Cheapest Car Insurance Quotes in Harvey

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Harvey Car Insurance

^$ 38

/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 Harvey

The car insurance rate in Harvey is $1312 for a six-month policy, which is $443 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $673, making it a popular choice for budget-conscious drivers. Rates in Harvey 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 Harvey

$1312

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Harvey

1st place: AutoOwners Insurance Co

At $673 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 $763 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 $799 for six months, making it the third cheapest auto insurance company in Harvey.

Harvey Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harvey, IL is AutoOwners Insurance Co, offering policies at just $673 for a six-month term. This is followed by Westfield, which has an average six-month premium of $763.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1220 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harvey drivers find the best deals.

Cheap Car Insurance Companies in Harvey, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$673	$115
Westfield	$763	$127
Country Financial	$799	$134
Travelers	$951	$160
American Family	$1104	$186
Erie	$1157	$193
USAA	$1364	$230
State Farm	$1373	$231
Progressive	$1507	$254
Auto-Owners	$1587	$264
Allstate	$2279	$384
Farmers	$2279	$384
Hanover	$1418	$236
Mercury	$1211	$202
Hastings Mutual	$1220	$207

Key Takeaways

Way's key takeaways about car insurance in Harvey

The auto insurance costs in Harvey fall around $673 for six months.
The cheapest auto insurance company in Harvey is Mercury.
Teen drivers pay the highest rate in Harvey at $88 per month.

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Cheapest Minimum Liability Car Insurance in Harvey

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 Harvey are given below.

Mercury provides the cheapest minimum car insurance coverage in Harvey. Their Average 6 Month Premium is $225. First Chicago is the most expensive at $296 for the same period.

Cheapest Liability Coverage in Harvey, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$225	$38
Westfield	$242	$41
Auto-Owners Insurance Co	$287	$48
Country Financial	$305	$51
Erie	$376	$63
Auto-Owners	$412	$69
Travelers	$412	$69
American Family	$476	$80
State Farm	$476	$80
USAA	$503	$85
Progressive	$583	$98
Allstate	$915	$154
Farmers	$1122	$190
Hanover	$269	$45
AAA	$385	$65
First Chicago	$296	$50

Cheapest Full Coverage Car Insurance in Harvey

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 Harvey is AutoOwners Insurance Co at $115 per month and $673 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harvey, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$673	$115
Westfield	$763	$127
Country Financial	$799	$134
Travelers	$951	$160
American Family	$1104	$186
Erie	$1157	$193
USAA	$1364	$230
State Farm	$1373	$231
Progressive	$1507	$254
Auto-Owners	$1587	$264
Allstate	$2279	$384
Farmers	$2279	$384
Hanover	$1418	$236
Mercury	$1211	$202
Hastings Mutual	$1220	$207

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Average Car Insurance in Harvey 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 Harvey, IL increasing?

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

Car Insurance Premiums by Age in Harvey

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	$1068
30s	Auto-Owners	$738
40s	Auto-Owners	$725
50s	Auto-Owners	$684
60s	Auto-Owners	$719
70s	Auto-Owners	$912

Cheapest Car Insurance Rates for Teen Drivers in Harvey,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Harvey at $48 per month. At $512 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$287	$48
Mercury	$332	$56
Auto-Owners Insurance Co	$359	$60
Country Financial	$1220	$205
Erie	$1498	$252
Travelers	$1587	$267
USAA	$2763	$465
American Family	$3310	$557
State Farm	$4763	$802
Progressive	$4772	$803
Allstate	$5543	$933
Farmers	$5641	$950
AAA	$512	$88

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 Harvey.

As young drivers face the highest rates in Harvey, AutoOwners offers the cheapest auto insurance rates at $1068 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 Harvey, Mercury is the cheapest car insurance provider. At $341 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 Harvey is State Farm, offering rates of around $4692 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$341	$57
Westfield	$448	$77
Hanover	$601	$100
Country Financial	$897	$151
Travelers	$995	$168
Progressive	$1425	$240
American Family	$1749	$294
USAA	$2322	$396
Allstate	$3813	$636
Farmers	$4387	$746
State Farm	$4692	$782

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Car Insurance Rates with An Accident in Harvey

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

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

The cheapest car insurance companies after an at-fault accident in Harvey include AutoOwners Insurance Co and Westfield, offering $376 and $385, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $448.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$376	$63
Westfield	$385	$65
Mercury	$494	$82
Travelers	$861	$145
Erie	$870	$146
Country Financial	$879	$148
State Farm	$1300	$219
USAA	$1336	$225
American Family	$1498	$252
Progressive	$2162	$364
Farmers	$2386	$402
Allstate	$3956	$666
AAA	$637	$109
First Chicago	$412	$69
Hastings Mutual	$448	$77

Harvey Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Harvey IL. For example, the car insurance in Harvey after a DUI increases to $1238 for a six month policy. While the rate increases by $332 for a six-month policy in the case of a speeding ticket.

Harvey auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1480	$246
One Med/PIP claim	$1489	$254
Not-at-fault accident	$1570	$261
One comp claim	$1605	$273
Two Med/PIP claims	$1605	$267
Failure to wear a seat belt	$1721	$293
Driving without lights	$1740	$290
Child safety restraint	$1749	$297
Two comp claims	$1749	$291
Failure to show documents	$1776	$302
Speeding 6 - 10 MPH over limit	$1812	$302
Driving with expired registration	$1821	$310
Speeding 11 - 15 MPH over limit	$1857	$310
Driving too slowly	$1866	$317
Failure to yield	$1866	$311
Illegal turn	$1866	$317
At-fault accident - less than $1000	$1883	$314
Failure to stop at a red light	$1883	$320
Following too closely	$1883	$314
Speeding 16 - 20 MPH over limit	$1892	$322
Speeding in school zone	$1892	$316
Improper passing	$1901	$323
Wrong way/wrong lane	$1901	$317
Cell phone violation	$1937	$329
Texting while driving	$1937	$323
Passing school bus	$1955	$332
In 65 MPH zone	$1965	$328
Speeding 21 - 25 MPH over limit	$1983	$337
Operating a vehicle without permission	$2019	$337
At-fault accident - $1000-$2000	$2144	$364
At-fault accident - greater than $2000	$2179	$364
Open container	$2251	$384
Reckless driving	$2611	$435
Racing	$2636	$448
Driving with a suspended license	$2691	$448
Refusal to submit to a chemical test	$2709	$461
DUI	$2718	$453
Leaving scene of an accident/hit and run	$2745	$467

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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 Harvey 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 Harvey.

The cheapest car insurance premiums in Harvey are offered by Mercury at $341 for a six-month policy. However, it can be as expensive as $3847 with companies like Farmers.

Harvey car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$341	$57
Travelers	$915	$154
Erie	$1059	$178
Progressive	$1104	$186
Country Financial	$1391	$234
American Family	$1696	$285
State Farm	$1839	$310
USAA	$2153	$362
Allstate	$3381	$569
Farmers	$3847	$654

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 Harvey are offered by Westfield at $287. However, it can be as expensive as $7050 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Harvey after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$287	$48
Auto-Owners Insurance Co	$323	$54
Mercury	$350	$59
Erie	$376	$63
Hanover	$430	$72
Country Financial	$906	$153
USAA	$1175	$196
State Farm	$1605	$273
Travelers	$1821	$304
Progressive	$1883	$320
American Family	$2090	$352
Allstate	$5992	$1019
Farmers	$7050	$1175

Car Insurance Price Trends in Harvey, Illinois

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

The average cost of full coverage in the Harvey rose by $291 in December compared to $288 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 Harvey rose to $80 in December, compared to $77 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Harvey?

The car insurance in Harvey is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Harvey?

The cheapest car insurance in Harvey is $115 per month for full coverage.

How much is car insurance in Harvey for teenagers?

Car insurance for teenagers costs $287 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 Harvey?

The average cost of car insurance is $869 for a six-month policy. It will cost around $219 per month to insure your car in Harvey.

Is car insurance expensive in Harvey?

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

Cheapest Car Insurance Quotes in Harvey

Why you can trust Way?

How Much Is Car Insurance in Harvey

Avg. Car Insurance in Harvey

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Harvey

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Harvey Car Insurance Rates by Company

Cheap Car Insurance Companies in Harvey, IL

Way's key takeaways about car insurance in Harvey

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Harvey

Cheapest Liability Coverage in Harvey, IL

Cheapest Full Coverage Car Insurance in Harvey

Cheapest Full Coverage Car Insurance Quotes in Harvey, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Harvey by Rating Factor

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

Car Insurance Premiums by Age in Harvey

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Harvey,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Harvey.

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 Harvey

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

Harvey Car Insurance Rates by Violation

Harvey auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Harvey after a DUI

Harvey car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Harvey after Speeding ticket

Car Insurance Price Trends in Harvey, Illinois

Average Car Insurance Cost in Harvey by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Harvey, IL

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

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