Cheapest Car Insurance Quotes in Markham

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Markham Car Insurance

^$ 39

/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 Markham

The car insurance rate in Markham is $1367 for a six-month policy, which is $496 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $559, making it a popular choice for budget-conscious drivers. Rates in Markham 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 Markham

$1367

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Markham

1st place: American Family

At $559 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 $700 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $793 for six months, making it the third cheapest auto insurance company in Markham.

Markham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Markham, IL is American Family, offering policies at just $559 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $700.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1474 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Markham drivers find the best deals.

Cheap Car Insurance Companies in Markham, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$559	$96
Auto-Owners Insurance Co	$700	$116
Westfield	$793	$135
Travelers	$1016	$171
Country Financial	$1082	$182
Erie	$1259	$212
USAA	$1501	$253
Auto-Owners	$1548	$261
Progressive	$1586	$267
State Farm	$1707	$287
Farmers	$1875	$319
Allstate	$2696	$454
Hanover	$1474	$245

Key Takeaways

Way's key takeaways about car insurance in Markham

The auto insurance costs in Markham fall around $559 for six months.
The cheapest auto insurance company in Markham is Mercury.
Teen drivers pay the highest rate in Markham at $91 per month.

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Cheapest Minimum Liability Car Insurance in Markham

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 Markham are given below.

Mercury provides the cheapest minimum car insurance coverage in Markham. Their Average 6 Month Premium is $234. AAA is the most expensive at $400 for the same period.

Cheapest Liability Coverage in Markham, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$234	$39
Westfield	$251	$42
Auto-Owners Insurance Co	$298	$50
American Family	$317	$53
Erie	$391	$66
Travelers	$429	$72
Auto-Owners	$438	$74
Country Financial	$438	$74
USAA	$542	$91
State Farm	$578	$97
Progressive	$606	$102
Allstate	$895	$151
Farmers	$1167	$198
Hanover	$279	$47
AAA	$400	$68

Cheapest Full Coverage Car Insurance in Markham

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 Markham is American Family at $96 per month and $559 for six months.

Cheapest Full Coverage Car Insurance Quotes in Markham, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$559	$96
Auto-Owners Insurance Co	$700	$116
Westfield	$793	$135
Travelers	$1016	$171
Country Financial	$1082	$182
Erie	$1259	$212
USAA	$1501	$253
Auto-Owners	$1548	$261
Progressive	$1586	$267
State Farm	$1707	$287
Farmers	$1875	$319
Allstate	$2696	$454
Hanover	$1474	$245

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Average Car Insurance in Markham 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 Markham, IL increasing?

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

Car Insurance Premiums by Age in Markham

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 Markham,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Markham at $50 per month. At $532 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$298	$50
American Family	$345	$58
Mercury	$345	$58
Auto-Owners Insurance Co	$374	$63
Farmers	$606	$100
Country Financial	$1697	$286
Travelers	$1773	$298
Erie	$2014	$339
USAA	$3058	$515
Auto-Owners	$3339	$568
Progressive	$4701	$791
State Farm	$5811	$978
Allstate	$6341	$1068
AAA	$532	$91

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 Markham, Mercury is the cheapest car insurance provider. At $355 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 Markham is Farmers, offering rates of around $4561 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$355	$60
Westfield	$466	$79
American Family	$587	$100
Hanover	$625	$104
Travelers	$1119	$188
Country Financial	$1259	$212
Progressive	$1557	$262
USAA	$2760	$460
Erie	$3003	$510
Auto-Owners	$4272	$711
Allstate	$4887	$831
State Farm	$7293	$1215
Farmers	$4561	$776

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

Car Insurance Rates with An Accident in Markham

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

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

The cheapest car insurance companies after an at-fault accident in Markham include American Family and AutoOwners Insurance Co, offering $374 and $391, respectively. AAA is an expensive provider with an average six-month premium of $663.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$374	$63
Auto-Owners Insurance Co	$391	$66
Westfield	$400	$68
Mercury	$513	$88
Farmers	$765	$127
Travelers	$942	$159
Erie	$1167	$196
Country Financial	$1240	$209
State Farm	$1567	$264
USAA	$1678	$283
Auto-Owners	$1754	$292
Progressive	$2369	$399
Allstate	$4597	$774
AAA	$663	$113

Markham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Markham IL. For example, the car insurance in Markham after a DUI increases to $1287 for a six month policy. While the rate increases by $345 for a six-month policy in the case of a speeding ticket.

Markham auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1539	$256
One Med/PIP claim	$1548	$264
Not-at-fault accident	$1633	$272
One comp claim	$1669	$284
Two Med/PIP claims	$1669	$278
Failure to wear a seat belt	$1790	$305
Driving without lights	$1809	$301
Child safety restraint	$1818	$309
Two comp claims	$1818	$303
Failure to show documents	$1846	$314
Speeding 6 - 10 MPH over limit	$1884	$314
Driving with expired registration	$1893	$322
Speeding 11 - 15 MPH over limit	$1931	$322
Driving too slowly	$1941	$330
Failure to yield	$1941	$323
Illegal turn	$1941	$330
At-fault accident - less than $1000	$1958	$327
Failure to stop at a red light	$1958	$333
Following too closely	$1958	$327
Speeding 16 - 20 MPH over limit	$1967	$334
Speeding in school zone	$1967	$328
Improper passing	$1977	$336
Wrong way/wrong lane	$1977	$330
Cell phone violation	$2014	$342
Texting while driving	$2014	$336
Passing school bus	$2033	$345
In 65 MPH zone	$2043	$341
Speeding 21 - 25 MPH over limit	$2061	$350
Operating a vehicle without permission	$2099	$350
At-fault accident - $1000-$2000	$2229	$378
At-fault accident - greater than $2000	$2266	$378
Open container	$2341	$399
Reckless driving	$2715	$452
Racing	$2741	$466
Driving with a suspended license	$2798	$466
Refusal to submit to a chemical test	$2817	$479
DUI	$2826	$471
Leaving scene of an accident/hit and run	$2854	$485

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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 Markham 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 Markham.

The cheapest car insurance premiums in Markham are offered by Mercury at $355 for a six-month policy. However, it can be as expensive as $4000 with companies like Farmers.

Markham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$355	$60
American Family	$374	$63
Travelers	$999	$168
Progressive	$1203	$203
Erie	$1437	$242
Country Financial	$1669	$281
USAA	$2294	$386
State Farm	$2360	$397
Auto-Owners	$2490	$424
Allstate	$3955	$666
Farmers	$4000	$680

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 Markham are offered by Westfield at $298. However, it can be as expensive as $7330 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Markham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$298	$50
Auto-Owners Insurance Co	$336	$57
Mercury	$364	$61
American Family	$374	$63
Hanover	$447	$75
Erie	$933	$157
Country Financial	$1119	$188
Travelers	$1418	$236
Auto-Owners	$1437	$245
State Farm	$1799	$300
USAA	$1986	$338
Progressive	$2033	$339
Allstate	$4234	$721
Farmers	$7330	$1221

Car Insurance Price Trends in Markham, Illinois

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

The average cost of full coverage in the Markham dipped by $265 in January compared to $303 of December. In other words, there has been an decrease by $38 when you compare January and December.

The average cost of liability insurance in the Markham dipped to $80 in January, compared to $83 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 Markham?

The car insurance in Markham is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Markham?

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

How much is car insurance in Markham for teenagers?

Car insurance for teenagers costs $298 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 Markham?

The average cost of car insurance is $871 for a six-month policy. It will cost around $229 per month to insure your car in Markham.

Is car insurance expensive in Markham?

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

Cheapest Car Insurance Quotes in Markham

Why you can trust Way?

How Much Is Car Insurance in Markham

Avg. Car Insurance in Markham

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Markham

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Markham Car Insurance Rates by Company

Cheap Car Insurance Companies in Markham, IL

Way's key takeaways about car insurance in Markham

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Markham

Cheapest Liability Coverage in Markham, IL

Cheapest Full Coverage Car Insurance in Markham

Cheapest Full Coverage Car Insurance Quotes in Markham, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Markham by Rating Factor

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

Car Insurance Premiums by Age in Markham

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Markham,IL

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

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 Markham

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

Markham Car Insurance Rates by Violation

Markham auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Markham after a DUI

Markham car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Markham after Speeding ticket

Car Insurance Price Trends in Markham, Illinois

Average Car Insurance Cost in Markham by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Markham, IL

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

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