Cheapest Car Insurance Quotes in Elmwood Park

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Elmwood Park Car Insurance

^$ 33

/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 Elmwood Park

The car insurance rate in Elmwood Park is $1156 for a six-month policy, which is $287 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $593, 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

$1156

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Elmwood Park

1st place: AutoOwners Insurance Co

At $593 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 $672 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 $704 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 AutoOwners Insurance Co, offering policies at just $593 for a six-month term. This is followed by Westfield, which has an average six-month premium of $672.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1075 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
Auto-Owners Insurance Co	$593	$101
Westfield	$672	$112
Country Financial	$704	$118
Travelers	$838	$141
American Family	$972	$164
Erie	$1019	$170
USAA	$1201	$202
State Farm	$1209	$203
Progressive	$1327	$223
Auto-Owners	$1398	$233
Allstate	$2007	$338
Farmers	$2007	$338
Hanover	$1249	$207
Mercury	$1067	$178
Hastings Mutual	$1075	$182

Key Takeaways

Way's key takeaways about car insurance in Elmwood Park

The auto insurance costs in Elmwood Park fall around $593 for six months.
The cheapest auto insurance company in Elmwood Park is Mercury.
Teen drivers pay the highest rate in Elmwood Park at $77 per month.

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Save up to $971/yr with our auto insurance quotes

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 $198. First Chicago is the most expensive at $261 for the same period.

Cheapest Liability Coverage in Elmwood Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$198	$33
Westfield	$213	$36
Auto-Owners Insurance Co	$253	$43
Country Financial	$269	$45
Erie	$331	$56
Auto-Owners	$363	$61
Travelers	$363	$61
American Family	$419	$70
State Farm	$419	$70
USAA	$443	$74
Progressive	$513	$86
Allstate	$806	$136
Farmers	$988	$168
Hanover	$237	$40
AAA	$339	$57
First Chicago	$261	$44

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 AutoOwners Insurance Co at $101 per month and $593 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elmwood Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$593	$101
Westfield	$672	$112
Country Financial	$704	$118
Travelers	$838	$141
American Family	$972	$164
Erie	$1019	$170
USAA	$1201	$202
State Farm	$1209	$203
Progressive	$1327	$223
Auto-Owners	$1398	$233
Allstate	$2007	$338
Farmers	$2007	$338
Hanover	$1249	$207
Mercury	$1067	$178
Hastings Mutual	$1075	$182

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$940
30s	Auto-Owners	$650
40s	Auto-Owners	$638
50s	Auto-Owners	$602
60s	Auto-Owners	$633
70s	Auto-Owners	$803

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 $43 per month. At $451 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$253	$43
Mercury	$293	$49
Auto-Owners Insurance Co	$317	$53
Country Financial	$1075	$181
Erie	$1319	$222
Travelers	$1398	$235
USAA	$2434	$410
American Family	$2915	$491
State Farm	$4195	$706
Progressive	$4203	$708
Allstate	$4882	$822
Farmers	$4969	$837
AAA	$451	$77

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 Elmwood Park.

As young drivers face the highest rates in Elmwood Park, AutoOwners offers the cheapest auto insurance rates at $940 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 Elmwood Park, Mercury is the cheapest car insurance provider. At $301 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 State Farm, offering rates of around $4132 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$301	$51
Westfield	$395	$68
Hanover	$529	$88
Country Financial	$790	$133
Travelers	$876	$148
Progressive	$1256	$211
American Family	$1540	$259
USAA	$2046	$348
Allstate	$3358	$560
Farmers	$3864	$657
State Farm	$4132	$689

Escape the Trap of Rising Insurance Costs.

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 AutoOwners Insurance Co and Westfield, offering $331 and $339, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $395.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$331	$56
Westfield	$339	$57
Mercury	$435	$72
Travelers	$758	$128
Erie	$766	$129
Country Financial	$774	$130
State Farm	$1145	$193
USAA	$1177	$198
American Family	$1319	$222
Progressive	$1905	$321
Farmers	$2101	$354
Allstate	$3485	$587
AAA	$561	$96
First Chicago	$363	$61
Hastings Mutual	$395	$68

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 $1091 for a six month policy. While the rate increases by $293 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	$1303	$217
One Med/PIP claim	$1311	$223
Not-at-fault accident	$1383	$230
One comp claim	$1414	$241
Two Med/PIP claims	$1414	$235
Failure to wear a seat belt	$1516	$258
Driving without lights	$1532	$255
Child safety restraint	$1540	$262
Two comp claims	$1540	$257
Failure to show documents	$1564	$266
Speeding 6 - 10 MPH over limit	$1596	$266
Driving with expired registration	$1604	$273
Speeding 11 - 15 MPH over limit	$1636	$273
Driving too slowly	$1644	$279
Failure to yield	$1644	$274
Illegal turn	$1644	$279
At-fault accident - less than $1000	$1659	$277
Failure to stop at a red light	$1659	$282
Following too closely	$1659	$277
Speeding 16 - 20 MPH over limit	$1666	$283
Speeding in school zone	$1666	$278
Improper passing	$1674	$285
Wrong way/wrong lane	$1674	$279
Cell phone violation	$1706	$290
Texting while driving	$1706	$285
Passing school bus	$1722	$293
In 65 MPH zone	$1730	$289
Speeding 21 - 25 MPH over limit	$1746	$297
Operating a vehicle without permission	$1778	$297
At-fault accident - $1000-$2000	$1889	$321
At-fault accident - greater than $2000	$1919	$321
Open container	$1983	$338
Reckless driving	$2300	$383
Racing	$2322	$395
Driving with a suspended license	$2370	$395
Refusal to submit to a chemical test	$2386	$406
DUI	$2394	$399
Leaving scene of an accident/hit and run	$2418	$411

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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 $301 for a six-month policy. However, it can be as expensive as $3389 with companies like Farmers.

Elmwood Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$301	$51
Travelers	$806	$136
Erie	$932	$157
Progressive	$972	$164
Country Financial	$1225	$206
American Family	$1494	$251
State Farm	$1620	$273
USAA	$1897	$319
Allstate	$2978	$501
Farmers	$3389	$576

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 $253. However, it can be as expensive as $6210 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	$253	$43
Auto-Owners Insurance Co	$285	$48
Mercury	$309	$52
Erie	$331	$56
Hanover	$379	$64
Country Financial	$798	$134
USAA	$1035	$173
State Farm	$1414	$241
Travelers	$1604	$267
Progressive	$1659	$282
American Family	$1841	$310
Allstate	$5277	$898
Farmers	$6210	$1035

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 rose by $257 in December compared to $254 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Elmwood Park rose to $70 in December, compared to $68 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 Elmwood Park?

The car insurance in Elmwood Park is $33 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 $101 per month for full coverage.

How much is car insurance in Elmwood Park for teenagers?

Car insurance for teenagers costs $253 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 $869 for a six-month policy. It will cost around $193 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: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

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 AutoOwners 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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