Cheapest Car Insurance Quotes in Merrionette Park

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Merrionette Park Car Insurance

^$ 33

/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 Merrionette Park

The car insurance rate in Merrionette Park is $1132 for a six-month policy, which is $261 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $463, making it a popular choice for budget-conscious drivers. Rates in Merrionette 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 Merrionette Park

$1132

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Merrionette Park

1st place: American Family

At $463 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 $580 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $657 for six months, making it the third cheapest auto insurance company in Merrionette Park.

Merrionette Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Merrionette Park, IL is American Family, offering policies at just $463 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $580.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1221 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Merrionette Park drivers find the best deals.

Cheap Car Insurance Companies in Merrionette Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$463	$79
Auto-Owners Insurance Co	$580	$96
Westfield	$657	$112
Travelers	$841	$142
Country Financial	$896	$151
Erie	$1043	$176
USAA	$1243	$209
Auto-Owners	$1282	$216
Progressive	$1313	$221
State Farm	$1413	$238
Farmers	$1552	$264
Allstate	$2232	$376
Hanover	$1221	$203

Key Takeaways

Way's key takeaways about car insurance in Merrionette Park

The auto insurance costs in Merrionette Park fall around $463 for six months.
The cheapest auto insurance company in Merrionette Park is Mercury.
Teen drivers pay the highest rate in Merrionette Park at $75 per month.

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Cheapest Minimum Liability Car Insurance in Merrionette 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 Merrionette Park are given below.

Mercury provides the cheapest minimum car insurance coverage in Merrionette Park. Their Average 6 Month Premium is $194. AAA is the most expensive at $332 for the same period.

Cheapest Liability Coverage in Merrionette Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$194	$33
Westfield	$208	$35
Auto-Owners Insurance Co	$247	$42
American Family	$263	$44
Erie	$324	$55
Travelers	$355	$60
Auto-Owners	$363	$61
Country Financial	$363	$61
USAA	$449	$75
State Farm	$478	$81
Progressive	$502	$85
Allstate	$741	$125
Farmers	$966	$164
Hanover	$231	$39
AAA	$332	$56

Cheapest Full Coverage Car Insurance in Merrionette 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 Merrionette Park is American Family at $79 per month and $463 for six months.

Cheapest Full Coverage Car Insurance Quotes in Merrionette Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$463	$79
Auto-Owners Insurance Co	$580	$96
Westfield	$657	$112
Travelers	$841	$142
Country Financial	$896	$151
Erie	$1043	$176
USAA	$1243	$209
Auto-Owners	$1282	$216
Progressive	$1313	$221
State Farm	$1413	$238
Farmers	$1552	$264
Allstate	$2232	$376
Hanover	$1221	$203

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Average Car Insurance in Merrionette 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 Merrionette Park, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Merrionette 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, Merrionette 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 Merrionette 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 Merrionette Park,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Merrionette Park at $42 per month. At $441 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$247	$42
American Family	$286	$48
Mercury	$286	$48
Auto-Owners Insurance Co	$309	$52
Farmers	$502	$83
Country Financial	$1405	$237
Travelers	$1468	$247
Erie	$1668	$281
USAA	$2532	$426
Auto-Owners	$2765	$471
Progressive	$3892	$655
State Farm	$4811	$810
Allstate	$5251	$884
AAA	$441	$75

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 Merrionette Park, Mercury is the cheapest car insurance provider. At $294 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 Merrionette Park is Farmers, offering rates of around $3777 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$294	$49
Westfield	$386	$65
American Family	$486	$83
Hanover	$517	$86
Travelers	$927	$156
Country Financial	$1043	$176
Progressive	$1290	$217
USAA	$2285	$381
Erie	$2487	$423
Auto-Owners	$3537	$589
Allstate	$4047	$688
State Farm	$6039	$1006
Farmers	$3777	$642

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

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

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

The cheapest car insurance companies after an at-fault accident in Merrionette Park include American Family and AutoOwners Insurance Co, offering $309 and $324, respectively. AAA is an expensive provider with an average six-month premium of $549.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$309	$52
Auto-Owners Insurance Co	$324	$55
Westfield	$332	$56
Mercury	$425	$73
Farmers	$633	$105
Travelers	$780	$131
Erie	$966	$163
Country Financial	$1027	$173
State Farm	$1297	$218
USAA	$1390	$234
Auto-Owners	$1452	$242
Progressive	$1962	$330
Allstate	$3806	$641
AAA	$549	$94

Merrionette Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Merrionette Park IL. For example, the car insurance in Merrionette Park after a DUI increases to $1066 for a six month policy. While the rate increases by $286 for a six-month policy in the case of a speeding ticket.

Merrionette Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1274	$212
One Med/PIP claim	$1282	$218
Not-at-fault accident	$1352	$225
One comp claim	$1382	$235
Two Med/PIP claims	$1382	$230
Failure to wear a seat belt	$1482	$252
Driving without lights	$1498	$250
Child safety restraint	$1505	$256
Two comp claims	$1505	$251
Failure to show documents	$1529	$260
Speeding 6 - 10 MPH over limit	$1560	$260
Driving with expired registration	$1568	$267
Speeding 11 - 15 MPH over limit	$1599	$267
Driving too slowly	$1607	$273
Failure to yield	$1607	$268
Illegal turn	$1607	$273
At-fault accident - less than $1000	$1621	$270
Failure to stop at a red light	$1621	$276
Following too closely	$1621	$270
Speeding 16 - 20 MPH over limit	$1629	$277
Speeding in school zone	$1629	$272
Improper passing	$1637	$278
Wrong way/wrong lane	$1637	$273
Cell phone violation	$1668	$283
Texting while driving	$1668	$278
Passing school bus	$1684	$286
In 65 MPH zone	$1691	$282
Speeding 21 - 25 MPH over limit	$1707	$290
Operating a vehicle without permission	$1738	$290
At-fault accident - $1000-$2000	$1846	$313
At-fault accident - greater than $2000	$1876	$313
Open container	$1938	$330
Reckless driving	$2248	$374
Racing	$2270	$386
Driving with a suspended license	$2317	$386
Refusal to submit to a chemical test	$2332	$397
DUI	$2340	$390
Leaving scene of an accident/hit and run	$2363	$402

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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 Merrionette 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 Merrionette Park.

The cheapest car insurance premiums in Merrionette Park are offered by Mercury at $294 for a six-month policy. However, it can be as expensive as $3312 with companies like Farmers.

Merrionette Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$294	$49
American Family	$309	$52
Travelers	$827	$139
Progressive	$996	$168
Erie	$1190	$200
Country Financial	$1382	$233
USAA	$1899	$320
State Farm	$1954	$329
Auto-Owners	$2062	$351
Allstate	$3275	$551
Farmers	$3312	$563

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 Merrionette Park are offered by Westfield at $247. However, it can be as expensive as $6070 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Merrionette Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$247	$42
Auto-Owners Insurance Co	$278	$47
Mercury	$302	$51
American Family	$309	$52
Hanover	$371	$62
Erie	$772	$130
Country Financial	$927	$156
Travelers	$1174	$195
Auto-Owners	$1190	$203
State Farm	$1490	$248
USAA	$1645	$280
Progressive	$1684	$281
Allstate	$3506	$597
Farmers	$6070	$1011

Car Insurance Price Trends in Merrionette Park, Illinois

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

The average cost of full coverage in the Merrionette Park dipped by $220 in January compared to $251 of December. In other words, there has been an decrease by $31 when you compare January and December.

The average cost of liability insurance in the Merrionette Park dipped to $66 in January, compared to $69 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 Merrionette Park?

The car insurance in Merrionette Park is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Merrionette Park?

The cheapest car insurance in Merrionette Park is $79 per month for full coverage.

How much is car insurance in Merrionette Park for teenagers?

Car insurance for teenagers costs $247 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 Merrionette Park?

The average cost of car insurance is $871 for a six-month policy. It will cost around $190 per month to insure your car in Merrionette Park.

Is car insurance expensive in Merrionette Park?

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

Cheapest Car Insurance Quotes in Merrionette Park

Why you can trust Way?

How Much Is Car Insurance in Merrionette Park

Avg. Car Insurance in Merrionette Park

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Merrionette Park

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Merrionette Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Merrionette Park, IL

Way's key takeaways about car insurance in Merrionette Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Merrionette Park

Cheapest Liability Coverage in Merrionette Park, IL

Cheapest Full Coverage Car Insurance in Merrionette Park

Cheapest Full Coverage Car Insurance Quotes in Merrionette Park, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Merrionette Park by Rating Factor

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

Car Insurance Premiums by Age in Merrionette Park

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Merrionette Park Car Insurance Rates by Violation

Merrionette Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Merrionette Park after a DUI

Merrionette Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Merrionette Park after Speeding ticket

Car Insurance Price Trends in Merrionette Park, Illinois

Average Car Insurance Cost in Merrionette Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Merrionette Park, IL

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

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