Cheapest Car Insurance Quotes in Harwood Heights

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Harwood Heights 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 Harwood Heights

The car insurance rate in Harwood Heights is $1095 for a six-month policy, which is $226 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $562, making it a popular choice for budget-conscious drivers. Rates in Harwood 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 Harwood Heights

$1095

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Harwood Heights

1st place: AutoOwners Insurance Co

At $562 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 $636 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 $667 for six months, making it the third cheapest auto insurance company in Harwood Heights.

Harwood Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harwood Heights, IL is AutoOwners Insurance Co, offering policies at just $562 for a six-month term. This is followed by Westfield, which has an average six-month premium of $636.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1018 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harwood Heights drivers find the best deals.

Cheap Car Insurance Companies in Harwood Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$562	$96
Westfield	$636	$106
Country Financial	$667	$112
Travelers	$794	$134
American Family	$921	$155
Erie	$965	$161
USAA	$1138	$192
State Farm	$1145	$193
Progressive	$1257	$212
Auto-Owners	$1324	$221
Allstate	$1901	$320
Farmers	$1901	$320
Hanover	$1183	$197
Mercury	$1011	$169
Hastings Mutual	$1018	$173

Key Takeaways

Way's key takeaways about car insurance in Harwood Heights

The auto insurance costs in Harwood Heights fall around $562 for six months.
The cheapest auto insurance company in Harwood Heights is Mercury.
Teen drivers pay the highest rate in Harwood Heights at $73 per month.

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Cheapest Minimum Liability Car Insurance in Harwood 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 Harwood Heights are given below.

Mercury provides the cheapest minimum car insurance coverage in Harwood Heights. Their Average 6 Month Premium is $188. First Chicago is the most expensive at $247 for the same period.

Cheapest Liability Coverage in Harwood Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$188	$32
Westfield	$202	$34
Auto-Owners Insurance Co	$239	$40
Country Financial	$255	$43
Erie	$314	$53
Auto-Owners	$344	$58
Travelers	$344	$58
American Family	$397	$67
State Farm	$397	$67
USAA	$420	$71
Progressive	$486	$82
Allstate	$764	$129
Farmers	$936	$159
Hanover	$224	$38
AAA	$321	$54
First Chicago	$247	$42

Cheapest Full Coverage Car Insurance in Harwood 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 Harwood Heights is AutoOwners Insurance Co at $96 per month and $562 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harwood Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$562	$96
Westfield	$636	$106
Country Financial	$667	$112
Travelers	$794	$134
American Family	$921	$155
Erie	$965	$161
USAA	$1138	$192
State Farm	$1145	$193
Progressive	$1257	$212
Auto-Owners	$1324	$221
Allstate	$1901	$320
Farmers	$1901	$320
Hanover	$1183	$197
Mercury	$1011	$169
Hastings Mutual	$1018	$173

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Average Car Insurance in Harwood 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 Harwood Heights, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Harwood 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, Harwood 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 Harwood 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$891
30s	Auto-Owners	$616
40s	Auto-Owners	$605
50s	Auto-Owners	$571
60s	Auto-Owners	$600
70s	Auto-Owners	$761

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Harwood Heights at $40 per month. At $427 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$239	$40
Mercury	$277	$47
Auto-Owners Insurance Co	$300	$50
Country Financial	$1018	$171
Erie	$1250	$210
Travelers	$1324	$223
USAA	$2306	$388
American Family	$2762	$465
State Farm	$3974	$669
Progressive	$3982	$670
Allstate	$4625	$779
Farmers	$4707	$793
AAA	$427	$73

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 Harwood Heights.

As young drivers face the highest rates in Harwood Heights, AutoOwners offers the cheapest auto insurance rates at $891 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 Harwood Heights, Mercury is the cheapest car insurance provider. At $285 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 Harwood Heights is State Farm, offering rates of around $3915 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$285	$48
Westfield	$374	$64
Hanover	$501	$83
Country Financial	$748	$126
Travelers	$830	$140
Progressive	$1189	$200
American Family	$1459	$246
USAA	$1938	$330
Allstate	$3182	$530
Farmers	$3660	$622
State Farm	$3915	$653

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

Car Insurance Rates with An Accident in Harwood 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 Harwood Heights, IL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Harwood Heights include AutoOwners Insurance Co and Westfield, offering $314 and $321, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $374.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$314	$53
Westfield	$321	$54
Mercury	$412	$68
Travelers	$718	$121
Erie	$726	$122
Country Financial	$733	$123
State Farm	$1085	$183
USAA	$1115	$188
American Family	$1250	$210
Progressive	$1804	$304
Farmers	$1991	$335
Allstate	$3301	$556
AAA	$532	$91
First Chicago	$344	$58
Hastings Mutual	$374	$64

Harwood Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Harwood Heights IL. For example, the car insurance in Harwood Heights after a DUI increases to $1033 for a six month policy. While the rate increases by $277 for a six-month policy in the case of a speeding ticket.

Harwood Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1235	$205
One Med/PIP claim	$1242	$212
Not-at-fault accident	$1310	$218
One comp claim	$1339	$228
Two Med/PIP claims	$1339	$223
Failure to wear a seat belt	$1436	$244
Driving without lights	$1452	$242
Child safety restraint	$1459	$248
Two comp claims	$1459	$243
Failure to show documents	$1482	$252
Speeding 6 - 10 MPH over limit	$1512	$252
Driving with expired registration	$1520	$258
Speeding 11 - 15 MPH over limit	$1550	$258
Driving too slowly	$1557	$265
Failure to yield	$1557	$260
Illegal turn	$1557	$265
At-fault accident - less than $1000	$1571	$262
Failure to stop at a red light	$1571	$267
Following too closely	$1571	$262
Speeding 16 - 20 MPH over limit	$1579	$268
Speeding in school zone	$1579	$263
Improper passing	$1586	$270
Wrong way/wrong lane	$1586	$265
Cell phone violation	$1617	$275
Texting while driving	$1617	$270
Passing school bus	$1632	$277
In 65 MPH zone	$1639	$273
Speeding 21 - 25 MPH over limit	$1654	$281
Operating a vehicle without permission	$1685	$281
At-fault accident - $1000-$2000	$1789	$304
At-fault accident - greater than $2000	$1818	$304
Open container	$1879	$320
Reckless driving	$2179	$363
Racing	$2200	$374
Driving with a suspended license	$2245	$374
Refusal to submit to a chemical test	$2260	$384
DUI	$2268	$378
Leaving scene of an accident/hit and run	$2291	$389

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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 Harwood 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 Harwood Heights.

The cheapest car insurance premiums in Harwood Heights are offered by Mercury at $285 for a six-month policy. However, it can be as expensive as $3210 with companies like Farmers.

Harwood Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$285	$48
Travelers	$764	$129
Erie	$883	$149
Progressive	$921	$155
Country Financial	$1160	$195
American Family	$1415	$238
State Farm	$1535	$258
USAA	$1797	$302
Allstate	$2821	$475
Farmers	$3210	$546

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 Harwood Heights are offered by Westfield at $239. However, it can be as expensive as $5883 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Harwood Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$239	$40
Auto-Owners Insurance Co	$270	$45
Mercury	$292	$49
Erie	$314	$53
Hanover	$359	$60
Country Financial	$756	$127
USAA	$980	$164
State Farm	$1339	$228
Travelers	$1520	$253
Progressive	$1571	$267
American Family	$1744	$294
Allstate	$5000	$851
Farmers	$5883	$980

Car Insurance Price Trends in Harwood Heights, Illinois

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

The average cost of full coverage in the Harwood Heights rose by $243 in December compared to $241 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Harwood Heights rose to $67 in December, compared to $64 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 Harwood Heights?

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

What is the cheapest car insurance in Harwood Heights?

The cheapest car insurance in Harwood Heights is $96 per month for full coverage.

How much is car insurance in Harwood Heights for teenagers?

Car insurance for teenagers costs $239 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 Harwood Heights?

The average cost of car insurance is $869 for a six-month policy. It will cost around $183 per month to insure your car in Harwood Heights.

Is car insurance expensive in Harwood Heights?

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

Cheapest Car Insurance Quotes in Harwood Heights

Why you can trust Way?

How Much Is Car Insurance in Harwood Heights

Avg. Car Insurance in Harwood Heights

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Harwood Heights

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Harwood Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Harwood Heights, IL

Way's key takeaways about car insurance in Harwood Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Harwood Heights

Cheapest Liability Coverage in Harwood Heights, IL

Cheapest Full Coverage Car Insurance in Harwood Heights

Cheapest Full Coverage Car Insurance Quotes in Harwood Heights, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Harwood Heights by Rating Factor

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

Car Insurance Premiums by Age in Harwood Heights

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties AutoOwners is the best choice for car insurance in Harwood 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 Harwood Heights

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

Harwood Heights Car Insurance Rates by Violation

Harwood Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Harwood Heights after a DUI

Harwood Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Harwood Heights after Speeding ticket

Car Insurance Price Trends in Harwood Heights, Illinois

Average Car Insurance Cost in Harwood Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Harwood Heights, IL

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

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