Cheapest Car Insurance Quotes in Melrose Park

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Melrose Park Car Insurance

^$ 34

/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 Melrose Park

The car insurance rate in Melrose Park is $1193 for a six-month policy, which is $322 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $488, making it a popular choice for budget-conscious drivers. Rates in Melrose Park 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 Melrose Park

$1193

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Melrose Park

1st place: American Family

At $488 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 $611 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $692 for six months, making it the third cheapest auto insurance company in Melrose Park.

Melrose Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Melrose Park, IL is American Family, offering policies at just $488 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $611.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1286 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Melrose Park drivers find the best deals.

Cheap Car Insurance Companies in Melrose Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$488	$84
Auto-Owners Insurance Co	$611	$101
Westfield	$692	$118
Travelers	$886	$149
Country Financial	$944	$159
Erie	$1099	$185
USAA	$1310	$221
Auto-Owners	$1351	$227
Progressive	$1384	$233
State Farm	$1489	$251
Farmers	$1636	$278
Allstate	$2352	$396
Hanover	$1286	$214

Key Takeaways

Way's key takeaways about car insurance in Melrose Park

The auto insurance costs in Melrose Park fall around $488 for six months.
The cheapest auto insurance company in Melrose Park is Mercury.
Teen drivers pay the highest rate in Melrose Park at $79 per month.

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Cheapest Minimum Liability Car Insurance in Melrose Park

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 Melrose Park are given below.

Mercury provides the cheapest minimum car insurance coverage in Melrose Park. Their Average 6 Month Premium is $204. AAA is the most expensive at $349 for the same period.

Cheapest Liability Coverage in Melrose Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$204	$34
Westfield	$219	$37
Auto-Owners Insurance Co	$260	$44
American Family	$277	$47
Erie	$341	$58
Travelers	$374	$63
Auto-Owners	$382	$64
Country Financial	$382	$64
USAA	$473	$79
State Farm	$504	$85
Progressive	$529	$89
Allstate	$781	$132
Farmers	$1018	$173
Hanover	$244	$41
AAA	$349	$59

Cheapest Full Coverage Car Insurance in Melrose Park

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 Melrose Park is American Family at $84 per month and $488 for six months.

Cheapest Full Coverage Car Insurance Quotes in Melrose Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$488	$84
Auto-Owners Insurance Co	$611	$101
Westfield	$692	$118
Travelers	$886	$149
Country Financial	$944	$159
Erie	$1099	$185
USAA	$1310	$221
Auto-Owners	$1351	$227
Progressive	$1384	$233
State Farm	$1489	$251
Farmers	$1636	$278
Allstate	$2352	$396
Hanover	$1286	$214

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Average Car Insurance in Melrose Park 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 Melrose Park, IL increasing?

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

Car Insurance Premiums by Age in Melrose Park

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 Melrose Park,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Melrose Park at $44 per month. At $464 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$260	$44
American Family	$301	$51
Mercury	$301	$51
Auto-Owners Insurance Co	$326	$55
Farmers	$529	$88
Country Financial	$1481	$249
Travelers	$1547	$260
Erie	$1758	$296
USAA	$2669	$449
Auto-Owners	$2914	$496
Progressive	$4102	$690
State Farm	$5070	$854
Allstate	$5533	$932
AAA	$464	$79

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 Melrose Park, Mercury is the cheapest car insurance provider. At $310 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 Melrose Park is Farmers, offering rates of around $3980 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$310	$52
Westfield	$407	$69
American Family	$512	$88
Hanover	$545	$90
Travelers	$977	$164
Country Financial	$1099	$185
Progressive	$1359	$229
USAA	$2408	$401
Erie	$2621	$445
Auto-Owners	$3728	$621
Allstate	$4265	$725
State Farm	$6364	$1060
Farmers	$3980	$677

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

Car Insurance Rates with An Accident in Melrose Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Melrose Park

The cheapest car insurance companies after an at-fault accident in Melrose Park include American Family and AutoOwners Insurance Co, offering $326 and $341, respectively. AAA is an expensive provider with an average six-month premium of $578.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$326	$55
Auto-Owners Insurance Co	$341	$58
Westfield	$349	$59
Mercury	$448	$77
Farmers	$667	$111
Travelers	$822	$138
Erie	$1018	$171
Country Financial	$1082	$182
State Farm	$1367	$230
USAA	$1465	$247
Auto-Owners	$1530	$255
Progressive	$2067	$348
Allstate	$4011	$675
AAA	$578	$99

Melrose Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Melrose Park IL. For example, the car insurance in Melrose Park after a DUI increases to $1123 for a six month policy. While the rate increases by $301 for a six-month policy in the case of a speeding ticket.

Melrose Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1343	$223
One Med/PIP claim	$1351	$230
Not-at-fault accident	$1425	$237
One comp claim	$1456	$248
Two Med/PIP claims	$1456	$242
Failure to wear a seat belt	$1562	$266
Driving without lights	$1578	$263
Child safety restraint	$1586	$270
Two comp claims	$1586	$264
Failure to show documents	$1611	$274
Speeding 6 - 10 MPH over limit	$1644	$274
Driving with expired registration	$1652	$281
Speeding 11 - 15 MPH over limit	$1685	$281
Driving too slowly	$1693	$288
Failure to yield	$1693	$282
Illegal turn	$1693	$288
At-fault accident - less than $1000	$1708	$285
Failure to stop at a red light	$1708	$290
Following too closely	$1708	$285
Speeding 16 - 20 MPH over limit	$1717	$292
Speeding in school zone	$1717	$286
Improper passing	$1725	$293
Wrong way/wrong lane	$1725	$288
Cell phone violation	$1758	$299
Texting while driving	$1758	$293
Passing school bus	$1774	$301
In 65 MPH zone	$1782	$297
Speeding 21 - 25 MPH over limit	$1799	$306
Operating a vehicle without permission	$1832	$306
At-fault accident - $1000-$2000	$1945	$330
At-fault accident - greater than $2000	$1977	$330
Open container	$2043	$348
Reckless driving	$2369	$395
Racing	$2392	$407
Driving with a suspended license	$2441	$407
Refusal to submit to a chemical test	$2458	$418
DUI	$2466	$411
Leaving scene of an accident/hit and run	$2491	$423

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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 Melrose Park 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 Melrose Park.

The cheapest car insurance premiums in Melrose Park are offered by Mercury at $310 for a six-month policy. However, it can be as expensive as $3491 with companies like Farmers.

Melrose Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$310	$52
American Family	$326	$55
Travelers	$871	$147
Progressive	$1049	$177
Erie	$1254	$211
Country Financial	$1456	$245
USAA	$2002	$337
State Farm	$2059	$347
Auto-Owners	$2173	$370
Allstate	$3451	$581
Farmers	$3491	$593

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 Melrose Park are offered by Westfield at $260. However, it can be as expensive as $6397 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Melrose Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$260	$44
Auto-Owners Insurance Co	$293	$49
Mercury	$318	$53
American Family	$326	$55
Hanover	$390	$66
Erie	$814	$137
Country Financial	$977	$164
Travelers	$1237	$206
Auto-Owners	$1254	$214
State Farm	$1570	$262
USAA	$1733	$295
Progressive	$1774	$296
Allstate	$3695	$629
Farmers	$6397	$1066

Car Insurance Price Trends in Melrose Park, Illinois

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

The average cost of full coverage in the Melrose Park dipped by $232 in January compared to $264 of December. In other words, there has been an decrease by $32 when you compare January and December.

The average cost of liability insurance in the Melrose Park dipped to $70 in January, compared to $73 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 Melrose Park?

The car insurance in Melrose Park is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Melrose Park?

The cheapest car insurance in Melrose Park is $84 per month for full coverage.

How much is car insurance in Melrose Park for teenagers?

Car insurance for teenagers costs $260 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 Melrose Park?

The average cost of car insurance is $871 for a six-month policy. It will cost around $200 per month to insure your car in Melrose Park.

Is car insurance expensive in Melrose Park?

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

Cheapest Car Insurance Quotes in Melrose Park

Why you can trust Way?

How Much Is Car Insurance in Melrose Park

Avg. Car Insurance in Melrose Park

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Melrose Park

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Melrose Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Melrose Park, IL

Way's key takeaways about car insurance in Melrose Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Melrose Park

Cheapest Liability Coverage in Melrose Park, IL

Cheapest Full Coverage Car Insurance in Melrose Park

Cheapest Full Coverage Car Insurance Quotes in Melrose Park, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Melrose Park by Rating Factor

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

Car Insurance Premiums by Age in Melrose Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Melrose Park,IL

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

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 Melrose Park

Cheapest Car Insurance Companies after an At-Fault Accident in Melrose Park

Melrose Park Car Insurance Rates by Violation

Melrose Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Melrose Park after a DUI

Melrose Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Melrose Park after Speeding ticket

Car Insurance Price Trends in Melrose Park, Illinois

Average Car Insurance Cost in Melrose Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Melrose Park, IL

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

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