Cheapest Car Insurance Quotes in Country Club Hills

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Country Club Hills Car Insurance

^$ 32

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Country Club Hills

The car insurance rate in Country Club Hills is $1104 for a six-month policy, which is $235 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $566, making it a popular choice for budget-conscious drivers. Rates in Country Club Hills can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Country Club Hills

$1104

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Country Club Hills

1st place: AutoOwners Insurance Co

At $566 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $641 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Country Financial

Country Financial offers auto insurance rates at $672 for six months, making it the third cheapest auto insurance company in Country Club Hills.

Country Club Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Country Club Hills, IL is AutoOwners Insurance Co, offering policies at just $566 for a six-month term. This is followed by Westfield, which has an average six-month premium of $641.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1026 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Country Club Hills drivers find the best deals.

Cheap Car Insurance Companies in Country Club Hills, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$566	$97
Westfield	$641	$107
Country Financial	$672	$113
Travelers	$800	$135
American Family	$928	$156
Erie	$973	$163
USAA	$1147	$193
State Farm	$1154	$194
Progressive	$1267	$213
Auto-Owners	$1335	$222
Allstate	$1916	$323
Farmers	$1916	$323
Hanover	$1193	$198
Mercury	$1019	$170
Hastings Mutual	$1026	$174

Key Takeaways

Way's key takeaways about car insurance in Country Club Hills

The auto insurance costs in Country Club Hills fall around $566 for six months.
The cheapest auto insurance company in Country Club Hills is Mercury.
Teen drivers pay the highest rate in Country Club Hills at $74 per month.

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Cheapest Minimum Liability Car Insurance in Country Club Hills

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Country Club Hills are given below.

Mercury provides the cheapest minimum car insurance coverage in Country Club Hills. Their Average 6 Month Premium is $189. First Chicago is the most expensive at $249 for the same period.

Cheapest Liability Coverage in Country Club Hills, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$189	$32
Westfield	$203	$34
Auto-Owners Insurance Co	$241	$41
Country Financial	$257	$43
Erie	$316	$53
Auto-Owners	$347	$58
Travelers	$347	$58
American Family	$400	$67
State Farm	$400	$67
USAA	$423	$71
Progressive	$490	$83
Allstate	$770	$130
Farmers	$944	$160
Hanover	$226	$38
AAA	$324	$55
First Chicago	$249	$42

Cheapest Full Coverage Car Insurance in Country Club Hills

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Country Club Hills is AutoOwners Insurance Co at $97 per month and $566 for six months.

Cheapest Full Coverage Car Insurance Quotes in Country Club Hills, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$566	$97
Westfield	$641	$107
Country Financial	$672	$113
Travelers	$800	$135
American Family	$928	$156
Erie	$973	$163
USAA	$1147	$193
State Farm	$1154	$194
Progressive	$1267	$213
Auto-Owners	$1335	$222
Allstate	$1916	$323
Farmers	$1916	$323
Hanover	$1193	$198
Mercury	$1019	$170
Hastings Mutual	$1026	$174

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Average Car Insurance in Country Club Hills by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Country Club Hills, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Country Club Hills, Illinois, may be increasing due to several external factors. Illinois has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Country Club Hills's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Country Club Hills

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$898
30s	Auto-Owners	$621
40s	Auto-Owners	$610
50s	Auto-Owners	$575
60s	Auto-Owners	$605
70s	Auto-Owners	$767

Cheapest Car Insurance Rates for Teen Drivers in Country Club Hills,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Country Club Hills at $41 per month. At $431 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$241	$41
Mercury	$279	$47
Auto-Owners Insurance Co	$302	$51
Country Financial	$1026	$173
Erie	$1260	$212
Travelers	$1335	$225
USAA	$2324	$391
American Family	$2784	$469
State Farm	$4006	$674
Progressive	$4013	$676
Allstate	$4662	$785
Farmers	$4745	$799
AAA	$431	$74

Teen Car Insurance Rates in IL by Age

Way Tip

If you are in your twenties AutoOwners is the best choice for car insurance in Country Club Hills.

As young drivers face the highest rates in Country Club Hills, AutoOwners offers the cheapest auto insurance rates at $898 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Country Club Hills, Mercury is the cheapest car insurance provider. At $287 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Country Club Hills is State Farm, offering rates of around $3946 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$287	$48
Westfield	$377	$65
Hanover	$505	$84
Country Financial	$754	$127
Travelers	$837	$141
Progressive	$1199	$202
American Family	$1471	$248
USAA	$1953	$333
Allstate	$3207	$535
Farmers	$3689	$627
State Farm	$3946	$658

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Save up to $971/yr on car insurance rates in Country Club Hills.

Car Insurance Rates with An Accident in Country Club Hills

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Country Club Hills, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Country Club Hills

The cheapest car insurance companies after an at-fault accident in Country Club Hills include AutoOwners Insurance Co and Westfield, offering $316 and $324, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $377.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$316	$53
Westfield	$324	$55
Mercury	$415	$69
Travelers	$724	$122
Erie	$732	$123
Country Financial	$739	$124
State Farm	$1093	$184
USAA	$1124	$189
American Family	$1260	$212
Progressive	$1819	$306
Farmers	$2007	$338
Allstate	$3327	$560
AAA	$536	$91
First Chicago	$347	$58
Hastings Mutual	$377	$65

Country Club Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Country Club Hills IL. For example, the car insurance in Country Club Hills after a DUI increases to $1041 for a six month policy. While the rate increases by $279 for a six-month policy in the case of a speeding ticket.

Country Club Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1245	$207
One Med/PIP claim	$1252	$213
Not-at-fault accident	$1321	$220
One comp claim	$1350	$230
Two Med/PIP claims	$1350	$225
Failure to wear a seat belt	$1448	$246
Driving without lights	$1463	$244
Child safety restraint	$1471	$250
Two comp claims	$1471	$245
Failure to show documents	$1494	$254
Speeding 6 - 10 MPH over limit	$1524	$254
Driving with expired registration	$1532	$260
Speeding 11 - 15 MPH over limit	$1562	$260
Driving too slowly	$1570	$267
Failure to yield	$1570	$262
Illegal turn	$1570	$267
At-fault accident - less than $1000	$1584	$264
Failure to stop at a red light	$1584	$269
Following too closely	$1584	$264
Speeding 16 - 20 MPH over limit	$1591	$271
Speeding in school zone	$1591	$265
Improper passing	$1599	$272
Wrong way/wrong lane	$1599	$267
Cell phone violation	$1629	$277
Texting while driving	$1629	$272
Passing school bus	$1645	$279
In 65 MPH zone	$1652	$276
Speeding 21 - 25 MPH over limit	$1668	$283
Operating a vehicle without permission	$1698	$283
At-fault accident - $1000-$2000	$1803	$306
At-fault accident - greater than $2000	$1833	$306
Open container	$1894	$323
Reckless driving	$2196	$366
Racing	$2217	$377
Driving with a suspended license	$2263	$377
Refusal to submit to a chemical test	$2278	$387
DUI	$2286	$381
Leaving scene of an accident/hit and run	$2309	$392

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Country Club Hills after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Country Club Hills.

The cheapest car insurance premiums in Country Club Hills are offered by Mercury at $287 for a six-month policy. However, it can be as expensive as $3236 with companies like Farmers.

Country Club Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$287	$48
Travelers	$770	$130
Erie	$890	$150
Progressive	$928	$156
Country Financial	$1170	$197
American Family	$1426	$240
State Farm	$1547	$260
USAA	$1811	$305
Allstate	$2844	$479
Farmers	$3236	$550

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Country Club Hills are offered by Westfield at $241. However, it can be as expensive as $5930 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Country Club Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$241	$41
Auto-Owners Insurance Co	$272	$46
Mercury	$295	$50
Erie	$316	$53
Hanover	$362	$61
Country Financial	$762	$128
USAA	$988	$165
State Farm	$1350	$230
Travelers	$1532	$255
Progressive	$1584	$269
American Family	$1758	$296
Allstate	$5039	$857
Farmers	$5930	$988

Car Insurance Price Trends in Country Club Hills, Illinois

Car insurance rates in Country Club Hills have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Country Club Hills rose by $245 in December compared to $243 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Country Club Hills rose to $67 in December, compared to $65 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Country Club Hills?

The car insurance in Country Club Hills is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Country Club Hills?

The cheapest car insurance in Country Club Hills is $97 per month for full coverage.

How much is car insurance in Country Club Hills for teenagers?

Car insurance for teenagers costs $241 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Country Club Hills?

The average cost of car insurance is $869 for a six-month policy. It will cost around $184 per month to insure your car in Country Club Hills.

Is car insurance expensive in Country Club Hills?

Car insurance can be expensive in Country Club Hills if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Country Club Hills can be affordable.

Cheapest Car Insurance Quotes in Country Club Hills

Why you can trust Way?

How Much Is Car Insurance in Country Club Hills

Avg. Car Insurance in Country Club Hills

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Country Club Hills

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Country Club Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Country Club Hills, IL

Way's key takeaways about car insurance in Country Club Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Country Club Hills

Cheapest Liability Coverage in Country Club Hills, IL

Cheapest Full Coverage Car Insurance in Country Club Hills

Cheapest Full Coverage Car Insurance Quotes in Country Club Hills, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Country Club Hills by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Country Club Hills, IL increasing?

Car Insurance Premiums by Age in Country Club Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Country Club Hills,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Country Club Hills.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Country Club Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Country Club Hills

Country Club Hills Car Insurance Rates by Violation

Country Club Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Country Club Hills after a DUI

Country Club Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Country Club Hills after Speeding ticket

Car Insurance Price Trends in Country Club Hills, Illinois

Average Car Insurance Cost in Country Club Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Country Club Hills, IL

Car Insurance Rates by State in the USA (2025 Update)

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