Cheapest Car Insurance Quotes in Countryside

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406,175 Policies Sold

Countryside Car Insurance

^$ 29

/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 Countryside

The car insurance rate in Countryside is $1002 for a six-month policy, which is $131 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $409, making it a popular choice for budget-conscious drivers. Rates in Countryside 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 Countryside

$1002

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Countryside

1st place: American Family

At $409 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $513 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $581 for six months, making it the third cheapest auto insurance company in Countryside.

Countryside Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Countryside, IL is American Family, offering policies at just $409 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $513.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1080 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Countryside drivers find the best deals.

Cheap Car Insurance Companies in Countryside, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$409	$70
Auto-Owners Insurance Co	$513	$85
Westfield	$581	$99
Travelers	$744	$125
Country Financial	$792	$133
Erie	$922	$155
USAA	$1099	$185
Auto-Owners	$1134	$191
Progressive	$1162	$195
State Farm	$1250	$210
Farmers	$1373	$233
Allstate	$1975	$332
Hanover	$1080	$179

Key Takeaways

Way's key takeaways about car insurance in Countryside

The auto insurance costs in Countryside fall around $409 for six months.
The cheapest auto insurance company in Countryside is Mercury.
Teen drivers pay the highest rate in Countryside at $67 per month.

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Cheapest Minimum Liability Car Insurance in Countryside

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 Countryside are given below.

Mercury provides the cheapest minimum car insurance coverage in Countryside. Their Average 6 Month Premium is $171. AAA is the most expensive at $293 for the same period.

Cheapest Liability Coverage in Countryside, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$171	$29
Westfield	$184	$31
Auto-Owners Insurance Co	$218	$37
American Family	$232	$39
Erie	$286	$48
Travelers	$314	$53
Auto-Owners	$321	$54
Country Financial	$321	$54
USAA	$397	$67
State Farm	$423	$71
Progressive	$444	$75
Allstate	$656	$110
Farmers	$854	$145
Hanover	$205	$35
AAA	$293	$49

Cheapest Full Coverage Car Insurance in Countryside

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 Countryside is American Family at $70 per month and $409 for six months.

Cheapest Full Coverage Car Insurance Quotes in Countryside, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$409	$70
Auto-Owners Insurance Co	$513	$85
Westfield	$581	$99
Travelers	$744	$125
Country Financial	$792	$133
Erie	$922	$155
USAA	$1099	$185
Auto-Owners	$1134	$191
Progressive	$1162	$195
State Farm	$1250	$210
Farmers	$1373	$233
Allstate	$1975	$332
Hanover	$1080	$179

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Average Car Insurance in Countryside 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 Countryside, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Countryside, 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, Countryside's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Countryside

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

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Cheapest Car Insurance Rates for Teen Drivers in Countryside,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Countryside at $37 per month. At $390 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$218	$37
American Family	$253	$43
Mercury	$253	$43
Auto-Owners Insurance Co	$274	$46
Farmers	$444	$74
Country Financial	$1243	$209
Travelers	$1298	$218
Erie	$1475	$248
USAA	$2240	$377
Auto-Owners	$2446	$416
Progressive	$3443	$580
State Farm	$4256	$716
Allstate	$4645	$782
AAA	$390	$67

Teen Car Insurance Rates in IL by Age

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 Countryside, Mercury is the cheapest car insurance provider. At $260 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 Countryside is Farmers, offering rates of around $3341 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$260	$44
Westfield	$342	$57
American Family	$430	$74
Hanover	$458	$76
Travelers	$820	$138
Country Financial	$922	$155
Progressive	$1141	$192
USAA	$2022	$337
Erie	$2200	$374
Auto-Owners	$3129	$521
Allstate	$3580	$608
State Farm	$5342	$890
Farmers	$3341	$568

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Save up to $971/yr on car insurance rates in Countryside.

Car Insurance Rates with An Accident in Countryside

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 Countryside, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Countryside

The cheapest car insurance companies after an at-fault accident in Countryside include American Family and AutoOwners Insurance Co, offering $274 and $286, respectively. AAA is an expensive provider with an average six-month premium of $485.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$274	$46
Auto-Owners Insurance Co	$286	$48
Westfield	$293	$49
Mercury	$376	$64
Farmers	$560	$93
Travelers	$690	$116
Erie	$854	$144
Country Financial	$908	$153
State Farm	$1148	$193
USAA	$1229	$207
Auto-Owners	$1285	$214
Progressive	$1735	$292
Allstate	$3367	$567
AAA	$485	$83

Countryside Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Countryside IL. For example, the car insurance in Countryside after a DUI increases to $943 for a six month policy. While the rate increases by $253 for a six-month policy in the case of a speeding ticket.

Countryside auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1127	$187
One Med/PIP claim	$1134	$193
Not-at-fault accident	$1196	$199
One comp claim	$1222	$208
Two Med/PIP claims	$1222	$204
Failure to wear a seat belt	$1311	$223
Driving without lights	$1325	$221
Child safety restraint	$1332	$227
Two comp claims	$1332	$222
Failure to show documents	$1352	$230
Speeding 6 - 10 MPH over limit	$1380	$230
Driving with expired registration	$1387	$236
Speeding 11 - 15 MPH over limit	$1415	$236
Driving too slowly	$1421	$241
Failure to yield	$1421	$237
Illegal turn	$1421	$241
At-fault accident - less than $1000	$1434	$239
Failure to stop at a red light	$1434	$244
Following too closely	$1434	$239
Speeding 16 - 20 MPH over limit	$1441	$245
Speeding in school zone	$1441	$240
Improper passing	$1448	$246
Wrong way/wrong lane	$1448	$241
Cell phone violation	$1475	$251
Texting while driving	$1475	$246
Passing school bus	$1489	$253
In 65 MPH zone	$1496	$250
Speeding 21 - 25 MPH over limit	$1510	$256
Operating a vehicle without permission	$1538	$256
At-fault accident - $1000-$2000	$1633	$277
At-fault accident - greater than $2000	$1659	$277
Open container	$1715	$292
Reckless driving	$1988	$331
Racing	$2008	$342
Driving with a suspended license	$2049	$342
Refusal to submit to a chemical test	$2063	$351
DUI	$2070	$345
Leaving scene of an accident/hit and run	$2091	$355

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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 Countryside 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 Countryside.

The cheapest car insurance premiums in Countryside are offered by Mercury at $260 for a six-month policy. However, it can be as expensive as $2930 with companies like Farmers.

Countryside car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$260	$44
American Family	$274	$46
Travelers	$731	$123
Progressive	$881	$148
Erie	$1052	$177
Country Financial	$1222	$206
USAA	$1680	$283
State Farm	$1728	$291
Auto-Owners	$1824	$311
Allstate	$2897	$488
Farmers	$2930	$498

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 Countryside are offered by Westfield at $218. However, it can be as expensive as $5369 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Countryside after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$218	$37
Auto-Owners Insurance Co	$246	$41
Mercury	$267	$45
American Family	$274	$46
Hanover	$328	$55
Erie	$683	$115
Country Financial	$820	$138
Travelers	$1038	$173
Auto-Owners	$1052	$179
State Farm	$1318	$220
USAA	$1455	$247
Progressive	$1489	$248
Allstate	$3102	$528
Farmers	$5369	$895

Car Insurance Price Trends in Countryside, Illinois

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

The average cost of full coverage in the Countryside dipped by $194 in January compared to $222 of December. In other words, there has been an decrease by $28 when you compare January and December.

The average cost of liability insurance in the Countryside dipped to $59 in January, compared to $61 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Countryside?

The car insurance in Countryside is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Countryside?

The cheapest car insurance in Countryside is $70 per month for full coverage.

How much is car insurance in Countryside for teenagers?

Car insurance for teenagers costs $218 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 Countryside?

The average cost of car insurance is $871 for a six-month policy. It will cost around $168 per month to insure your car in Countryside.

Is car insurance expensive in Countryside?

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

Cheapest Car Insurance Quotes in Countryside

Why you can trust Way?

How Much Is Car Insurance in Countryside

Avg. Car Insurance in Countryside

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Countryside

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Countryside Car Insurance Rates by Company

Cheap Car Insurance Companies in Countryside, IL

Way's key takeaways about car insurance in Countryside

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Countryside

Cheapest Liability Coverage in Countryside, IL

Cheapest Full Coverage Car Insurance in Countryside

Cheapest Full Coverage Car Insurance Quotes in Countryside, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Countryside by Rating Factor

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

Car Insurance Premiums by Age in Countryside

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Countryside,IL

If you are in your twenties N/A is the best choice for car insurance in Countryside.

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 Countryside

Cheapest Car Insurance Companies after an At-Fault Accident in Countryside

Countryside Car Insurance Rates by Violation

Countryside auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Countryside after a DUI

Countryside car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Countryside after Speeding ticket

Car Insurance Price Trends in Countryside, Illinois

Average Car Insurance Cost in Countryside by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Countryside, IL

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

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