Cheapest Car Insurance Quotes in Homewood

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Homewood Car Insurance

^$ 31

/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 Homewood

The car insurance rate in Homewood is $1069 for a six-month policy, which is $200 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $549, making it a popular choice for budget-conscious drivers. Rates in Homewood 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 Homewood

$1069

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Homewood

1st place: AutoOwners Insurance Co

At $549 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 $621 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 $651 for six months, making it the third cheapest auto insurance company in Homewood.

Homewood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Homewood, IL is AutoOwners Insurance Co, offering policies at just $549 for a six-month term. This is followed by Westfield, which has an average six-month premium of $621.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $994 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Homewood drivers find the best deals.

Cheap Car Insurance Companies in Homewood, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$549	$93
Westfield	$621	$103
Country Financial	$651	$109
Travelers	$775	$130
American Family	$899	$151
Erie	$942	$157
USAA	$1111	$187
State Farm	$1118	$188
Progressive	$1228	$207
Auto-Owners	$1293	$215
Allstate	$1856	$312
Farmers	$1856	$312
Hanover	$1155	$192
Mercury	$986	$165
Hastings Mutual	$994	$169

Key Takeaways

Way's key takeaways about car insurance in Homewood

The auto insurance costs in Homewood fall around $549 for six months.
The cheapest auto insurance company in Homewood is Mercury.
Teen drivers pay the highest rate in Homewood at $71 per month.

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Cheapest Minimum Liability Car Insurance in Homewood

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 Homewood are given below.

Mercury provides the cheapest minimum car insurance coverage in Homewood. Their Average 6 Month Premium is $183. First Chicago is the most expensive at $241 for the same period.

Cheapest Liability Coverage in Homewood, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$183	$31
Westfield	$197	$33
Auto-Owners Insurance Co	$234	$39
Country Financial	$248	$42
Erie	$306	$52
Auto-Owners	$336	$57
Travelers	$336	$57
American Family	$387	$65
State Farm	$387	$65
USAA	$410	$69
Progressive	$475	$80
Allstate	$745	$125
Farmers	$914	$155
Hanover	$219	$37
AAA	$314	$53
First Chicago	$241	$41

Cheapest Full Coverage Car Insurance in Homewood

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 Homewood is AutoOwners Insurance Co at $93 per month and $549 for six months.

Cheapest Full Coverage Car Insurance Quotes in Homewood, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$549	$93
Westfield	$621	$103
Country Financial	$651	$109
Travelers	$775	$130
American Family	$899	$151
Erie	$942	$157
USAA	$1111	$187
State Farm	$1118	$188
Progressive	$1228	$207
Auto-Owners	$1293	$215
Allstate	$1856	$312
Farmers	$1856	$312
Hanover	$1155	$192
Mercury	$986	$165
Hastings Mutual	$994	$169

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Average Car Insurance in Homewood 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 Homewood, IL increasing?

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

Car Insurance Premiums by Age in Homewood

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	$870
30s	Auto-Owners	$601
40s	Auto-Owners	$590
50s	Auto-Owners	$557
60s	Auto-Owners	$585
70s	Auto-Owners	$743

Cheapest Car Insurance Rates for Teen Drivers in Homewood,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Homewood at $39 per month. At $417 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$234	$39
Mercury	$271	$46
Auto-Owners Insurance Co	$293	$49
Country Financial	$994	$167
Erie	$1220	$205
Travelers	$1293	$218
USAA	$2251	$379
American Family	$2696	$454
State Farm	$3879	$653
Progressive	$3887	$654
Allstate	$4515	$760
Farmers	$4595	$774
AAA	$417	$71

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 Homewood.

As young drivers face the highest rates in Homewood, AutoOwners offers the cheapest auto insurance rates at $870 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 Homewood, Mercury is the cheapest car insurance provider. At $278 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 Homewood is State Farm, offering rates of around $3822 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$278	$47
Westfield	$365	$63
Hanover	$490	$81
Country Financial	$731	$123
Travelers	$811	$137
Progressive	$1161	$196
American Family	$1424	$240
USAA	$1892	$322
Allstate	$3106	$518
Farmers	$3573	$608
State Farm	$3822	$637

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Car Insurance Rates with An Accident in Homewood

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

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

The cheapest car insurance companies after an at-fault accident in Homewood include AutoOwners Insurance Co and Westfield, offering $306 and $314, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $365.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$306	$52
Westfield	$314	$53
Mercury	$402	$66
Travelers	$701	$118
Erie	$708	$119
Country Financial	$716	$121
State Farm	$1059	$178
USAA	$1089	$183
American Family	$1220	$205
Progressive	$1761	$296
Farmers	$1943	$327
Allstate	$3223	$542
AAA	$519	$89
First Chicago	$336	$57
Hastings Mutual	$365	$63

Homewood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Homewood IL. For example, the car insurance in Homewood after a DUI increases to $1009 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Homewood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1205	$200
One Med/PIP claim	$1213	$207
Not-at-fault accident	$1279	$213
One comp claim	$1307	$223
Two Med/PIP claims	$1307	$218
Failure to wear a seat belt	$1402	$239
Driving without lights	$1417	$236
Child safety restraint	$1424	$242
Two comp claims	$1424	$237
Failure to show documents	$1446	$246
Speeding 6 - 10 MPH over limit	$1476	$246
Driving with expired registration	$1483	$252
Speeding 11 - 15 MPH over limit	$1513	$252
Driving too slowly	$1520	$258
Failure to yield	$1520	$253
Illegal turn	$1520	$258
At-fault accident - less than $1000	$1534	$256
Failure to stop at a red light	$1534	$261
Following too closely	$1534	$256
Speeding 16 - 20 MPH over limit	$1541	$262
Speeding in school zone	$1541	$257
Improper passing	$1549	$263
Wrong way/wrong lane	$1549	$258
Cell phone violation	$1578	$268
Texting while driving	$1578	$263
Passing school bus	$1593	$271
In 65 MPH zone	$1600	$267
Speeding 21 - 25 MPH over limit	$1615	$274
Operating a vehicle without permission	$1645	$274
At-fault accident - $1000-$2000	$1747	$296
At-fault accident - greater than $2000	$1775	$296
Open container	$1834	$312
Reckless driving	$2127	$354
Racing	$2148	$365
Driving with a suspended license	$2192	$365
Refusal to submit to a chemical test	$2207	$375
DUI	$2214	$369
Leaving scene of an accident/hit and run	$2236	$380

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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 Homewood 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 Homewood.

The cheapest car insurance premiums in Homewood are offered by Mercury at $278 for a six-month policy. However, it can be as expensive as $3134 with companies like Farmers.

Homewood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$278	$47
Travelers	$745	$125
Erie	$862	$145
Progressive	$899	$151
Country Financial	$1133	$191
American Family	$1381	$232
State Farm	$1498	$252
USAA	$1754	$295
Allstate	$2754	$464
Farmers	$3134	$533

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 Homewood are offered by Westfield at $234. However, it can be as expensive as $5743 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Homewood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$234	$39
Auto-Owners Insurance Co	$263	$44
Mercury	$285	$48
Erie	$306	$52
Hanover	$351	$59
Country Financial	$738	$124
USAA	$957	$160
State Farm	$1307	$223
Travelers	$1483	$247
Progressive	$1534	$261
American Family	$1702	$287
Allstate	$4881	$830
Farmers	$5743	$957

Car Insurance Price Trends in Homewood, Illinois

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

The average cost of full coverage in the Homewood rose by $237 in December compared to $235 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 Homewood rose to $65 in December, compared to $63 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Homewood?

The car insurance in Homewood is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Homewood?

The cheapest car insurance in Homewood is $93 per month for full coverage.

How much is car insurance in Homewood for teenagers?

Car insurance for teenagers costs $234 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 Homewood?

The average cost of car insurance is $869 for a six-month policy. It will cost around $178 per month to insure your car in Homewood.

Is car insurance expensive in Homewood?

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

Cheapest Car Insurance Quotes in Homewood

Why you can trust Way?

How Much Is Car Insurance in Homewood

Avg. Car Insurance in Homewood

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Homewood

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Homewood Car Insurance Rates by Company

Cheap Car Insurance Companies in Homewood, IL

Way's key takeaways about car insurance in Homewood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Homewood

Cheapest Liability Coverage in Homewood, IL

Cheapest Full Coverage Car Insurance in Homewood

Cheapest Full Coverage Car Insurance Quotes in Homewood, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Homewood by Rating Factor

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

Car Insurance Premiums by Age in Homewood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Homewood,IL

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

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 Homewood

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

Homewood Car Insurance Rates by Violation

Homewood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Homewood after a DUI

Homewood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Homewood after Speeding ticket

Car Insurance Price Trends in Homewood, Illinois

Average Car Insurance Cost in Homewood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Homewood, IL

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

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