Cheapest Car Insurance Quotes in Hawthorn Woods

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Hawthorn Woods Car Insurance

^$ 27

/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 Hawthorn Woods

The car insurance rate in Hawthorn Woods is $935 for a six-month policy, which is $69 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $384, making it a popular choice for budget-conscious drivers. Rates in Hawthorn Woods 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 Hawthorn Woods

$935

Avg. Car Insurance in Illinois

$866

National Average

$1278

Cheapest Car Insurance Companies in Hawthorn Woods

1st place: American Family

At $384 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 $482 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $545 for six months, making it the third cheapest auto insurance company in Hawthorn Woods.

Hawthorn Woods Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hawthorn Woods, IL is American Family, offering policies at just $384 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $482.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1854 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hawthorn Woods drivers find the best deals.

Cheap Car Insurance Companies in Hawthorn Woods, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$384	$66
Auto-Owners Insurance Co	$482	$80
Westfield	$545	$93
Travelers	$699	$118
Country Financial	$744	$125
Erie	$866	$146
USAA	$1032	$174
Auto-Owners	$1065	$179
Progressive	$1091	$184
State Farm	$1174	$198
Farmers	$1290	$219
Allstate	$1854	$312

Key Takeaways

Way's key takeaways about car insurance in Hawthorn Woods

The auto insurance costs in Hawthorn Woods fall around $384 for six months.
The cheapest auto insurance company in Hawthorn Woods is Mercury.
Teen drivers pay the highest rate in Hawthorn Woods at $734 per month.

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Cheapest Minimum Liability Car Insurance in Hawthorn Woods

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 Hawthorn Woods are given below.

Mercury provides the cheapest minimum car insurance coverage in Hawthorn Woods. Their Average 6 Month Premium is $161. Farmers is the most expensive at $802 for the same period.

Cheapest Liability Coverage in Hawthorn Woods, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$161	$27
Westfield	$173	$29
Auto-Owners Insurance Co	$205	$35
American Family	$218	$37
Erie	$269	$45
Travelers	$295	$50
Auto-Owners	$301	$51
Country Financial	$301	$51
USAA	$373	$63
State Farm	$397	$67
Progressive	$417	$70
Allstate	$616	$104
Farmers	$802	$136

Cheapest Full Coverage Car Insurance in Hawthorn Woods

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 Hawthorn Woods is American Family at $66 per month and $384 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hawthorn Woods, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$384	$66
Auto-Owners Insurance Co	$482	$80
Westfield	$545	$93
Travelers	$699	$118
Country Financial	$744	$125
Erie	$866	$146
USAA	$1032	$174
Auto-Owners	$1065	$179
Progressive	$1091	$184
State Farm	$1174	$198
Farmers	$1290	$219
Allstate	$1854	$312

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Average Car Insurance in Hawthorn Woods 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 Hawthorn Woods, IL increasing?

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

Car Insurance Premiums by Age in Hawthorn Woods

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 Hawthorn Woods,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hawthorn Woods at $35 per month. At $4362 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$205	$35
American Family	$238	$40
Mercury	$238	$40
Auto-Owners Insurance Co	$257	$43
Farmers	$417	$69
Country Financial	$1167	$197
Travelers	$1219	$205
Erie	$1386	$233
USAA	$2104	$354
Auto-Owners	$2297	$391
Progressive	$3234	$544
State Farm	$3997	$673
Allstate	$4362	$734

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 Hawthorn Woods, Mercury is the cheapest car insurance provider. At $244 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 Hawthorn Woods is Farmers, offering rates of around $3137 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$244	$41
Westfield	$321	$54
American Family	$404	$69
Hanover	$430	$71
Travelers	$770	$130
Country Financial	$866	$146
Progressive	$1071	$180
USAA	$1899	$316
Erie	$2066	$351
Auto-Owners	$2939	$489
Allstate	$3362	$571
State Farm	$5017	$836
Farmers	$3137	$534

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

Car Insurance Rates with An Accident in Hawthorn Woods

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hawthorn Woods

The cheapest car insurance companies after an at-fault accident in Hawthorn Woods include American Family and AutoOwners Insurance Co, offering $257 and $269, respectively. Allstate is an expensive provider with an average six-month premium of $3162.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$257	$43
Auto-Owners Insurance Co	$269	$45
Westfield	$275	$46
Mercury	$353	$60
Farmers	$526	$87
Travelers	$648	$109
Erie	$802	$135
Country Financial	$853	$144
State Farm	$1078	$181
USAA	$1155	$194
Auto-Owners	$1206	$201
Progressive	$1630	$274
Allstate	$3162	$532

Hawthorn Woods Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hawthorn Woods IL. For example, the car insurance in Hawthorn Woods after a DUI increases to $886 for a six month policy. While the rate increases by $238 for a six-month policy in the case of a speeding ticket.

Hawthorn Woods auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1058	$176
One Med/PIP claim	$1065	$181
Not-at-fault accident	$1123	$187
One comp claim	$1148	$195
Two Med/PIP claims	$1148	$191
Failure to wear a seat belt	$1231	$210
Driving without lights	$1244	$207
Child safety restraint	$1251	$213
Two comp claims	$1251	$208
Failure to show documents	$1270	$216
Speeding 6 - 10 MPH over limit	$1296	$216
Driving with expired registration	$1302	$221
Speeding 11 - 15 MPH over limit	$1328	$221
Driving too slowly	$1335	$227
Failure to yield	$1335	$222
Illegal turn	$1335	$227
At-fault accident - less than $1000	$1347	$225
Failure to stop at a red light	$1347	$229
Following too closely	$1347	$225
Speeding 16 - 20 MPH over limit	$1353	$230
Speeding in school zone	$1353	$226
Improper passing	$1360	$231
Wrong way/wrong lane	$1360	$227
Cell phone violation	$1386	$235
Texting while driving	$1386	$231
Passing school bus	$1399	$238
In 65 MPH zone	$1405	$234
Speeding 21 - 25 MPH over limit	$1418	$241
Operating a vehicle without permission	$1444	$241
At-fault accident - $1000-$2000	$1534	$260
At-fault accident - greater than $2000	$1558	$260
Open container	$1610	$274
Reckless driving	$1867	$311
Racing	$1886	$321
Driving with a suspended license	$1925	$321
Refusal to submit to a chemical test	$1938	$329
DUI	$1944	$324
Leaving scene of an accident/hit and run	$1963	$334

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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 Hawthorn Woods 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 Hawthorn Woods.

The cheapest car insurance premiums in Hawthorn Woods are offered by Mercury at $244 for a six-month policy. However, it can be as expensive as $2752 with companies like Farmers.

Hawthorn Woods car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$244	$41
American Family	$257	$43
Travelers	$687	$116
Progressive	$827	$139
Erie	$988	$166
Country Financial	$1148	$193
USAA	$1578	$266
State Farm	$1623	$273
Auto-Owners	$1713	$292
Allstate	$2721	$458
Farmers	$2752	$468

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 Hawthorn Woods are offered by Westfield at $205. However, it can be as expensive as $5043 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hawthorn Woods after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$205	$35
Auto-Owners Insurance Co	$231	$39
Mercury	$251	$42
American Family	$257	$43
Hanover	$308	$52
Erie	$642	$108
Country Financial	$770	$130
Travelers	$975	$162
Auto-Owners	$988	$168
State Farm	$1238	$206
USAA	$1366	$232
Progressive	$1399	$233
Allstate	$2913	$496
Farmers	$5043	$840

Car Insurance Price Trends in Hawthorn Woods, Illinois

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

The average cost of full coverage in the Hawthorn Woods remained steady at $183 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Hawthorn Woods remained steady at $55 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Hawthorn Woods?

The car insurance in Hawthorn Woods is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Hawthorn Woods?

The cheapest car insurance in Hawthorn Woods is $66 per month for full coverage.

How much is car insurance in Hawthorn Woods for teenagers?

Car insurance for teenagers costs $205 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 Hawthorn Woods?

The average cost of car insurance is $866 for a six-month policy. It will cost around $158 per month to insure your car in Hawthorn Woods.

Is car insurance expensive in Hawthorn Woods?

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

Cheapest Car Insurance Quotes in Hawthorn Woods

Why you can trust Way?

How Much Is Car Insurance in Hawthorn Woods

Avg. Car Insurance in Hawthorn Woods

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Hawthorn Woods

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Hawthorn Woods Car Insurance Rates by Company

Cheap Car Insurance Companies in Hawthorn Woods, IL

Way's key takeaways about car insurance in Hawthorn Woods

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hawthorn Woods

Cheapest Liability Coverage in Hawthorn Woods, IL

Cheapest Full Coverage Car Insurance in Hawthorn Woods

Cheapest Full Coverage Car Insurance Quotes in Hawthorn Woods, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hawthorn Woods by Rating Factor

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

Car Insurance Premiums by Age in Hawthorn Woods

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hawthorn Woods,IL

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

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 Hawthorn Woods

Cheapest Car Insurance Companies after an At-Fault Accident in Hawthorn Woods

Hawthorn Woods Car Insurance Rates by Violation

Hawthorn Woods auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hawthorn Woods after a DUI

Hawthorn Woods car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hawthorn Woods after Speeding ticket

Car Insurance Price Trends in Hawthorn Woods, Illinois

Average Car Insurance Cost in Hawthorn Woods by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hawthorn Woods, IL

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

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