Cheapest Car Insurance Quotes in Elmwood Park

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Elmwood Park Car Insurance

^$ 35

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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 Elmwood Park

The car insurance rate in Elmwood Park is $1211 for a six-month policy, which is $340 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $495, making it a popular choice for budget-conscious drivers. Rates in Elmwood Park 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 Elmwood Park

$1211

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Elmwood Park

1st place: American Family

At $495 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 $620 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $702 for six months, making it the third cheapest auto insurance company in Elmwood Park.

Elmwood Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elmwood Park, IL is American Family, offering policies at just $495 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $620.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1305 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elmwood Park drivers find the best deals.

Cheap Car Insurance Companies in Elmwood Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$495	$85
Auto-Owners Insurance Co	$620	$103
Westfield	$702	$120
Travelers	$899	$152
Country Financial	$958	$161
Erie	$1115	$188
USAA	$1329	$224
Auto-Owners	$1371	$231
Progressive	$1404	$236
State Farm	$1511	$254
Farmers	$1660	$282
Allstate	$2387	$402
Hanover	$1305	$217

Key Takeaways

Way's key takeaways about car insurance in Elmwood Park

The auto insurance costs in Elmwood Park fall around $495 for six months.
The cheapest auto insurance company in Elmwood Park is Mercury.
Teen drivers pay the highest rate in Elmwood Park at $81 per month.

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Cheapest Minimum Liability Car Insurance in Elmwood Park

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 Elmwood Park are given below.

Mercury provides the cheapest minimum car insurance coverage in Elmwood Park. Their Average 6 Month Premium is $207. AAA is the most expensive at $354 for the same period.

Cheapest Liability Coverage in Elmwood Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$207	$35
Westfield	$222	$38
Auto-Owners Insurance Co	$264	$44
American Family	$281	$47
Erie	$346	$58
Travelers	$379	$64
Auto-Owners	$388	$65
Country Financial	$388	$65
USAA	$480	$81
State Farm	$512	$86
Progressive	$537	$90
Allstate	$792	$133
Farmers	$1033	$175
Hanover	$247	$42
AAA	$354	$60

Cheapest Full Coverage Car Insurance in Elmwood Park

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 Elmwood Park is American Family at $85 per month and $495 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elmwood Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$495	$85
Auto-Owners Insurance Co	$620	$103
Westfield	$702	$120
Travelers	$899	$152
Country Financial	$958	$161
Erie	$1115	$188
USAA	$1329	$224
Auto-Owners	$1371	$231
Progressive	$1404	$236
State Farm	$1511	$254
Farmers	$1660	$282
Allstate	$2387	$402
Hanover	$1305	$217

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Average Car Insurance in Elmwood Park 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 Elmwood Park, IL increasing?

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

Car Insurance Premiums by Age in Elmwood Park

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 Elmwood Park,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Elmwood Park at $44 per month. At $471 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$264	$44
American Family	$306	$51
Mercury	$306	$51
Auto-Owners Insurance Co	$331	$56
Farmers	$537	$89
Country Financial	$1503	$253
Travelers	$1569	$264
Erie	$1783	$300
USAA	$2708	$456
Auto-Owners	$2957	$503
Progressive	$4162	$701
State Farm	$5144	$866
Allstate	$5614	$945
AAA	$471	$81

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 Elmwood Park, Mercury is the cheapest car insurance provider. At $314 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 Elmwood Park is Farmers, offering rates of around $4038 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$314	$53
Westfield	$413	$70
American Family	$520	$89
Hanover	$553	$92
Travelers	$991	$167
Country Financial	$1115	$188
Progressive	$1379	$232
USAA	$2444	$407
Erie	$2659	$452
Auto-Owners	$3782	$630
Allstate	$4327	$735
State Farm	$6457	$1076
Farmers	$4038	$687

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

Car Insurance Rates with An Accident in Elmwood Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Elmwood Park

The cheapest car insurance companies after an at-fault accident in Elmwood Park include American Family and AutoOwners Insurance Co, offering $331 and $346, respectively. AAA is an expensive provider with an average six-month premium of $587.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$331	$56
Auto-Owners Insurance Co	$346	$58
Westfield	$354	$60
Mercury	$455	$78
Farmers	$677	$113
Travelers	$834	$140
Erie	$1033	$174
Country Financial	$1098	$185
State Farm	$1387	$234
USAA	$1486	$250
Auto-Owners	$1553	$259
Progressive	$2098	$353
Allstate	$4070	$685
AAA	$587	$100

Elmwood Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elmwood Park IL. For example, the car insurance in Elmwood Park after a DUI increases to $1140 for a six month policy. While the rate increases by $306 for a six-month policy in the case of a speeding ticket.

Elmwood Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1362	$227
One Med/PIP claim	$1371	$234
Not-at-fault accident	$1446	$240
One comp claim	$1478	$252
Two Med/PIP claims	$1478	$246
Failure to wear a seat belt	$1585	$270
Driving without lights	$1601	$267
Child safety restraint	$1610	$274
Two comp claims	$1610	$268
Failure to show documents	$1635	$278
Speeding 6 - 10 MPH over limit	$1668	$278
Driving with expired registration	$1676	$285
Speeding 11 - 15 MPH over limit	$1710	$285
Driving too slowly	$1718	$292
Failure to yield	$1718	$286
Illegal turn	$1718	$292
At-fault accident - less than $1000	$1733	$289
Failure to stop at a red light	$1733	$295
Following too closely	$1733	$289
Speeding 16 - 20 MPH over limit	$1742	$296
Speeding in school zone	$1742	$291
Improper passing	$1750	$297
Wrong way/wrong lane	$1750	$292
Cell phone violation	$1783	$303
Texting while driving	$1783	$297
Passing school bus	$1800	$306
In 65 MPH zone	$1808	$302
Speeding 21 - 25 MPH over limit	$1825	$310
Operating a vehicle without permission	$1858	$310
At-fault accident - $1000-$2000	$1974	$335
At-fault accident - greater than $2000	$2006	$335
Open container	$2072	$353
Reckless driving	$2403	$400
Racing	$2427	$413
Driving with a suspended license	$2477	$413
Refusal to submit to a chemical test	$2494	$424
DUI	$2502	$417
Leaving scene of an accident/hit and run	$2527	$430

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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 Elmwood Park 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 Elmwood Park.

The cheapest car insurance premiums in Elmwood Park are offered by Mercury at $314 for a six-month policy. However, it can be as expensive as $3542 with companies like Farmers.

Elmwood Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$314	$53
American Family	$331	$56
Travelers	$884	$149
Progressive	$1065	$179
Erie	$1272	$214
Country Financial	$1478	$249
USAA	$2031	$342
State Farm	$2089	$352
Auto-Owners	$2205	$375
Allstate	$3501	$589
Farmers	$3542	$602

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 Elmwood Park are offered by Westfield at $264. However, it can be as expensive as $6490 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Elmwood Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$264	$44
Auto-Owners Insurance Co	$297	$50
Mercury	$322	$54
American Family	$331	$56
Hanover	$396	$67
Erie	$826	$139
Country Financial	$991	$167
Travelers	$1255	$208
Auto-Owners	$1272	$217
State Farm	$1593	$265
USAA	$1758	$299
Progressive	$1800	$300
Allstate	$3749	$638
Farmers	$6490	$1081

Car Insurance Price Trends in Elmwood Park, Illinois

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

The average cost of full coverage in the Elmwood Park dipped by $235 in January compared to $268 of December. In other words, there has been an decrease by $33 when you compare January and December.

The average cost of liability insurance in the Elmwood Park dipped to $71 in January, compared to $74 in December. This represents an decrease of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Elmwood Park?

The car insurance in Elmwood Park is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Elmwood Park?

The cheapest car insurance in Elmwood Park is $85 per month for full coverage.

How much is car insurance in Elmwood Park for teenagers?

Car insurance for teenagers costs $264 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 Elmwood Park?

The average cost of car insurance is $871 for a six-month policy. It will cost around $203 per month to insure your car in Elmwood Park.

Is car insurance expensive in Elmwood Park?

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

Cheapest Car Insurance Quotes in Elmwood Park

Why you can trust Way?

How Much Is Car Insurance in Elmwood Park

Avg. Car Insurance in Elmwood Park

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Elmwood Park

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Elmwood Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Elmwood Park, IL

Way's key takeaways about car insurance in Elmwood Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elmwood Park

Cheapest Liability Coverage in Elmwood Park, IL

Cheapest Full Coverage Car Insurance in Elmwood Park

Cheapest Full Coverage Car Insurance Quotes in Elmwood Park, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elmwood Park by Rating Factor

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

Car Insurance Premiums by Age in Elmwood Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elmwood Park,IL

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

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 Elmwood Park

Cheapest Car Insurance Companies after an At-Fault Accident in Elmwood Park

Elmwood Park Car Insurance Rates by Violation

Elmwood Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elmwood Park after a DUI

Elmwood Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elmwood Park after Speeding ticket

Car Insurance Price Trends in Elmwood Park, Illinois

Average Car Insurance Cost in Elmwood Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elmwood Park, IL

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

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