Cheapest Car Insurance Quotes in Flossmoor

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Flossmoor 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 Flossmoor

The car insurance rate in Flossmoor is $1124 for a six-month policy, which is $253 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $459, making it a popular choice for budget-conscious drivers. Rates in Flossmoor 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 Flossmoor

$1124

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Flossmoor

1st place: American Family

At $459 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 $575 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $651 for six months, making it the third cheapest auto insurance company in Flossmoor.

Flossmoor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Flossmoor, IL is American Family, offering policies at just $459 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $575.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1211 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Flossmoor drivers find the best deals.

Cheap Car Insurance Companies in Flossmoor, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$459	$79
Auto-Owners Insurance Co	$575	$95
Westfield	$651	$111
Travelers	$835	$141
Country Financial	$889	$150
Erie	$1035	$174
USAA	$1233	$208
Auto-Owners	$1272	$214
Progressive	$1303	$219
State Farm	$1402	$236
Farmers	$1540	$262
Allstate	$2215	$373
Hanover	$1211	$201

Key Takeaways

Way's key takeaways about car insurance in Flossmoor

The auto insurance costs in Flossmoor fall around $459 for six months.
The cheapest auto insurance company in Flossmoor is Mercury.
Teen drivers pay the highest rate in Flossmoor at $75 per month.

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Cheapest Minimum Liability Car Insurance in Flossmoor

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 Flossmoor are given below.

Mercury provides the cheapest minimum car insurance coverage in Flossmoor. Their Average 6 Month Premium is $192. AAA is the most expensive at $329 for the same period.

Cheapest Liability Coverage in Flossmoor, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$192	$32
Westfield	$206	$35
Auto-Owners Insurance Co	$245	$41
American Family	$261	$44
Erie	$321	$54
Travelers	$352	$59
Auto-Owners	$360	$61
Country Financial	$360	$61
USAA	$445	$75
State Farm	$475	$80
Progressive	$498	$84
Allstate	$735	$124
Farmers	$958	$163
Hanover	$230	$39
AAA	$329	$55

Cheapest Full Coverage Car Insurance in Flossmoor

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 Flossmoor is American Family at $79 per month and $459 for six months.

Cheapest Full Coverage Car Insurance Quotes in Flossmoor, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$459	$79
Auto-Owners Insurance Co	$575	$95
Westfield	$651	$111
Travelers	$835	$141
Country Financial	$889	$150
Erie	$1035	$174
USAA	$1233	$208
Auto-Owners	$1272	$214
Progressive	$1303	$219
State Farm	$1402	$236
Farmers	$1540	$262
Allstate	$2215	$373
Hanover	$1211	$201

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Average Car Insurance in Flossmoor 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 Flossmoor, IL increasing?

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

Car Insurance Premiums by Age in Flossmoor

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 Flossmoor,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Flossmoor at $41 per month. At $437 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$245	$41
American Family	$284	$48
Mercury	$284	$48
Auto-Owners Insurance Co	$307	$52
Farmers	$498	$83
Country Financial	$1394	$235
Travelers	$1456	$245
Erie	$1655	$279
USAA	$2513	$423
Auto-Owners	$2744	$467
Progressive	$3862	$650
State Farm	$4774	$804
Allstate	$5210	$877
AAA	$437	$75

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 Flossmoor, Mercury is the cheapest car insurance provider. At $292 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 Flossmoor is Farmers, offering rates of around $3747 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$292	$49
Westfield	$383	$65
American Family	$482	$83
Hanover	$513	$85
Travelers	$920	$155
Country Financial	$1035	$174
Progressive	$1280	$215
USAA	$2268	$378
Erie	$2468	$419
Auto-Owners	$3510	$584
Allstate	$4016	$682
State Farm	$5992	$998
Farmers	$3747	$637

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

Car Insurance Rates with An Accident in Flossmoor

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

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

The cheapest car insurance companies after an at-fault accident in Flossmoor include American Family and AutoOwners Insurance Co, offering $307 and $321, respectively. AAA is an expensive provider with an average six-month premium of $544.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$307	$52
Auto-Owners Insurance Co	$321	$54
Westfield	$329	$55
Mercury	$422	$72
Farmers	$628	$104
Travelers	$774	$130
Erie	$958	$161
Country Financial	$1019	$172
State Farm	$1287	$217
USAA	$1379	$232
Auto-Owners	$1441	$240
Progressive	$1947	$328
Allstate	$3777	$636
AAA	$544	$93

Flossmoor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Flossmoor IL. For example, the car insurance in Flossmoor after a DUI increases to $1058 for a six month policy. While the rate increases by $284 for a six-month policy in the case of a speeding ticket.

Flossmoor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1264	$210
One Med/PIP claim	$1272	$217
Not-at-fault accident	$1342	$223
One comp claim	$1371	$233
Two Med/PIP claims	$1371	$228
Failure to wear a seat belt	$1471	$250
Driving without lights	$1486	$248
Child safety restraint	$1494	$254
Two comp claims	$1494	$249
Failure to show documents	$1517	$258
Speeding 6 - 10 MPH over limit	$1548	$258
Driving with expired registration	$1556	$264
Speeding 11 - 15 MPH over limit	$1587	$264
Driving too slowly	$1594	$271
Failure to yield	$1594	$266
Illegal turn	$1594	$271
At-fault accident - less than $1000	$1609	$268
Failure to stop at a red light	$1609	$273
Following too closely	$1609	$268
Speeding 16 - 20 MPH over limit	$1616	$275
Speeding in school zone	$1616	$270
Improper passing	$1624	$276
Wrong way/wrong lane	$1624	$271
Cell phone violation	$1655	$281
Texting while driving	$1655	$276
Passing school bus	$1671	$284
In 65 MPH zone	$1678	$280
Speeding 21 - 25 MPH over limit	$1694	$288
Operating a vehicle without permission	$1725	$288
At-fault accident - $1000-$2000	$1832	$311
At-fault accident - greater than $2000	$1861	$311
Open container	$1923	$328
Reckless driving	$2230	$372
Racing	$2252	$383
Driving with a suspended license	$2299	$383
Refusal to submit to a chemical test	$2314	$393
DUI	$2322	$387
Leaving scene of an accident/hit and run	$2345	$399

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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 Flossmoor 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 Flossmoor.

The cheapest car insurance premiums in Flossmoor are offered by Mercury at $292 for a six-month policy. However, it can be as expensive as $3287 with companies like Farmers.

Flossmoor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$292	$49
American Family	$307	$52
Travelers	$820	$138
Progressive	$988	$166
Erie	$1180	$199
Country Financial	$1371	$231
USAA	$1885	$317
State Farm	$1939	$326
Auto-Owners	$2046	$348
Allstate	$3250	$547
Farmers	$3287	$559

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 Flossmoor are offered by Westfield at $245. However, it can be as expensive as $6023 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Flossmoor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$245	$41
Auto-Owners Insurance Co	$276	$46
Mercury	$299	$50
American Family	$307	$52
Hanover	$368	$62
Erie	$766	$129
Country Financial	$920	$155
Travelers	$1165	$194
Auto-Owners	$1180	$201
State Farm	$1478	$246
USAA	$1632	$277
Progressive	$1671	$279
Allstate	$3479	$592
Farmers	$6023	$1004

Car Insurance Price Trends in Flossmoor, Illinois

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

The average cost of full coverage in the Flossmoor dipped by $218 in January compared to $249 of December. In other words, there has been an decrease by $31 when you compare January and December.

The average cost of liability insurance in the Flossmoor dipped to $66 in January, compared to $68 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 Flossmoor?

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

What is the cheapest car insurance in Flossmoor?

The cheapest car insurance in Flossmoor is $79 per month for full coverage.

How much is car insurance in Flossmoor for teenagers?

Car insurance for teenagers costs $245 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 Flossmoor?

The average cost of car insurance is $871 for a six-month policy. It will cost around $188 per month to insure your car in Flossmoor.

Is car insurance expensive in Flossmoor?

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

Cheapest Car Insurance Quotes in Flossmoor

Why you can trust Way?

How Much Is Car Insurance in Flossmoor

Avg. Car Insurance in Flossmoor

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Flossmoor

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Flossmoor Car Insurance Rates by Company

Cheap Car Insurance Companies in Flossmoor, IL

Way's key takeaways about car insurance in Flossmoor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Flossmoor

Cheapest Liability Coverage in Flossmoor, IL

Cheapest Full Coverage Car Insurance in Flossmoor

Cheapest Full Coverage Car Insurance Quotes in Flossmoor, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Flossmoor by Rating Factor

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

Car Insurance Premiums by Age in Flossmoor

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Flossmoor,IL

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

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 Flossmoor

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

Flossmoor Car Insurance Rates by Violation

Flossmoor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Flossmoor after a DUI

Flossmoor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Flossmoor after Speeding ticket

Car Insurance Price Trends in Flossmoor, Illinois

Average Car Insurance Cost in Flossmoor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Flossmoor, IL

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

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