Cheapest Car Insurance Quotes in Ford Heights

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Ford Heights Car Insurance

^$ 35

/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 Ford Heights

The car insurance rate in Ford Heights is $1202 for a six-month policy, which is $331 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $491, making it a popular choice for budget-conscious drivers. Rates in Ford Heights 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 Ford Heights

$1202

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Ford Heights

1st place: American Family

At $491 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 $615 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $697 for six months, making it the third cheapest auto insurance company in Ford Heights.

Ford Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ford Heights, IL is American Family, offering policies at just $491 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $615.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1296 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ford Heights drivers find the best deals.

Cheap Car Insurance Companies in Ford Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$491	$84
Auto-Owners Insurance Co	$615	$102
Westfield	$697	$119
Travelers	$893	$150
Country Financial	$951	$160
Erie	$1107	$186
USAA	$1319	$222
Auto-Owners	$1361	$229
Progressive	$1394	$235
State Farm	$1500	$253
Farmers	$1648	$280
Allstate	$2369	$399
Hanover	$1296	$215

Key Takeaways

Way's key takeaways about car insurance in Ford Heights

The auto insurance costs in Ford Heights fall around $491 for six months.
The cheapest auto insurance company in Ford Heights is Mercury.
Teen drivers pay the highest rate in Ford Heights at $80 per month.

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

Cheapest Minimum Liability Car Insurance in Ford Heights

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 Ford Heights are given below.

Mercury provides the cheapest minimum car insurance coverage in Ford Heights. Their Average 6 Month Premium is $206. AAA is the most expensive at $352 for the same period.

Cheapest Liability Coverage in Ford Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$206	$35
Westfield	$221	$37
Auto-Owners Insurance Co	$262	$44
American Family	$279	$47
Erie	$344	$58
Travelers	$377	$63
Auto-Owners	$385	$65
Country Financial	$385	$65
USAA	$476	$80
State Farm	$508	$86
Progressive	$533	$90
Allstate	$787	$132
Farmers	$1025	$174
Hanover	$246	$41
AAA	$352	$59

Cheapest Full Coverage Car Insurance in Ford Heights

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 Ford Heights is American Family at $84 per month and $491 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ford Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$491	$84
Auto-Owners Insurance Co	$615	$102
Westfield	$697	$119
Travelers	$893	$150
Country Financial	$951	$160
Erie	$1107	$186
USAA	$1319	$222
Auto-Owners	$1361	$229
Progressive	$1394	$235
State Farm	$1500	$253
Farmers	$1648	$280
Allstate	$2369	$399
Hanover	$1296	$215

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Average Car Insurance in Ford Heights 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 Ford Heights, IL increasing?

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

Car Insurance Premiums by Age in Ford Heights

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 Ford Heights,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Ford Heights at $44 per month. At $468 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$262	$44
American Family	$304	$51
Mercury	$304	$51
Auto-Owners Insurance Co	$328	$55
Farmers	$533	$88
Country Financial	$1492	$251
Travelers	$1558	$262
Erie	$1771	$298
USAA	$2688	$453
Auto-Owners	$2935	$500
Progressive	$4132	$696
State Farm	$5107	$860
Allstate	$5574	$938
AAA	$468	$80

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 Ford Heights, Mercury is the cheapest car insurance provider. At $312 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 Ford Heights is Farmers, offering rates of around $4009 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$312	$52
Westfield	$410	$69
American Family	$516	$88
Hanover	$549	$91
Travelers	$984	$166
Country Financial	$1107	$186
Progressive	$1369	$230
USAA	$2426	$404
Erie	$2640	$448
Auto-Owners	$3755	$625
Allstate	$4296	$730
State Farm	$6410	$1068
Farmers	$4009	$682

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

Car Insurance Rates with An Accident in Ford Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Ford Heights

The cheapest car insurance companies after an at-fault accident in Ford Heights include American Family and AutoOwners Insurance Co, offering $328 and $344, respectively. AAA is an expensive provider with an average six-month premium of $582.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$328	$55
Auto-Owners Insurance Co	$344	$58
Westfield	$352	$59
Mercury	$451	$77
Farmers	$672	$112
Travelers	$828	$139
Erie	$1025	$173
Country Financial	$1090	$184
State Farm	$1377	$232
USAA	$1475	$248
Auto-Owners	$1541	$257
Progressive	$2082	$351
Allstate	$4041	$680
AAA	$582	$99

Ford Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ford Heights IL. For example, the car insurance in Ford Heights after a DUI increases to $1132 for a six month policy. While the rate increases by $304 for a six-month policy in the case of a speeding ticket.

Ford Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1352	$225
One Med/PIP claim	$1361	$232
Not-at-fault accident	$1435	$239
One comp claim	$1467	$250
Two Med/PIP claims	$1467	$244
Failure to wear a seat belt	$1573	$268
Driving without lights	$1590	$265
Child safety restraint	$1598	$272
Two comp claims	$1598	$266
Failure to show documents	$1623	$276
Speeding 6 - 10 MPH over limit	$1656	$276
Driving with expired registration	$1664	$283
Speeding 11 - 15 MPH over limit	$1697	$283
Driving too slowly	$1706	$290
Failure to yield	$1706	$284
Illegal turn	$1706	$290
At-fault accident - less than $1000	$1721	$287
Failure to stop at a red light	$1721	$293
Following too closely	$1721	$287
Speeding 16 - 20 MPH over limit	$1729	$294
Speeding in school zone	$1729	$288
Improper passing	$1737	$295
Wrong way/wrong lane	$1737	$290
Cell phone violation	$1771	$301
Texting while driving	$1771	$295
Passing school bus	$1787	$304
In 65 MPH zone	$1795	$299
Speeding 21 - 25 MPH over limit	$1812	$308
Operating a vehicle without permission	$1845	$308
At-fault accident - $1000-$2000	$1960	$333
At-fault accident - greater than $2000	$1991	$333
Open container	$2058	$351
Reckless driving	$2386	$397
Racing	$2409	$410
Driving with a suspended license	$2459	$410
Refusal to submit to a chemical test	$2476	$421
DUI	$2484	$414
Leaving scene of an accident/hit and run	$2509	$426

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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 Ford Heights 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 Ford Heights.

The cheapest car insurance premiums in Ford Heights are offered by Mercury at $312 for a six-month policy. However, it can be as expensive as $3516 with companies like Farmers.

Ford Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$312	$52
American Family	$328	$55
Travelers	$878	$148
Progressive	$1057	$178
Erie	$1263	$213
Country Financial	$1467	$247
USAA	$2016	$339
State Farm	$2074	$349
Auto-Owners	$2189	$373
Allstate	$3476	$585
Farmers	$3516	$598

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 Ford Heights are offered by Westfield at $262. However, it can be as expensive as $6443 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ford Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$262	$44
Auto-Owners Insurance Co	$295	$50
Mercury	$320	$54
American Family	$328	$55
Hanover	$393	$66
Erie	$820	$138
Country Financial	$984	$166
Travelers	$1246	$207
Auto-Owners	$1263	$215
State Farm	$1581	$264
USAA	$1746	$297
Progressive	$1787	$298
Allstate	$3722	$633
Farmers	$6443	$1074

Car Insurance Price Trends in Ford Heights, Illinois

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

The average cost of full coverage in the Ford Heights dipped by $233 in January compared to $266 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 Ford Heights dipped to $70 in January, compared to $73 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 Ford Heights?

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

What is the cheapest car insurance in Ford Heights?

The cheapest car insurance in Ford Heights is $84 per month for full coverage.

How much is car insurance in Ford Heights for teenagers?

Car insurance for teenagers costs $262 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 Ford Heights?

The average cost of car insurance is $871 for a six-month policy. It will cost around $201 per month to insure your car in Ford Heights.

Is car insurance expensive in Ford Heights?

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

Cheapest Car Insurance Quotes in Ford Heights

Why you can trust Way?

How Much Is Car Insurance in Ford Heights

Avg. Car Insurance in Ford Heights

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Ford Heights

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Ford Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Ford Heights, IL

Way's key takeaways about car insurance in Ford Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ford Heights

Cheapest Liability Coverage in Ford Heights, IL

Cheapest Full Coverage Car Insurance in Ford Heights

Cheapest Full Coverage Car Insurance Quotes in Ford Heights, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ford Heights by Rating Factor

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

Car Insurance Premiums by Age in Ford Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ford Heights,IL

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

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 Ford Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Ford Heights

Ford Heights Car Insurance Rates by Violation

Ford Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ford Heights after a DUI

Ford Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ford Heights after Speeding ticket

Car Insurance Price Trends in Ford Heights, Illinois

Average Car Insurance Cost in Ford Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ford Heights, IL

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

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