Cheapest Car Insurance Quotes in Morton Grove

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Morton Grove 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 Morton Grove

The car insurance rate in Morton Grove is $1089 for a six-month policy, which is $218 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $445, making it a popular choice for budget-conscious drivers. Rates in Morton Grove 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 Morton Grove

$1089

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Morton Grove

1st place: American Family

At $445 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 $558 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $631 for six months, making it the third cheapest auto insurance company in Morton Grove.

Morton Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morton Grove, IL is American Family, offering policies at just $445 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $558.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1174 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morton Grove drivers find the best deals.

Cheap Car Insurance Companies in Morton Grove, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$445	$76
Auto-Owners Insurance Co	$558	$93
Westfield	$631	$108
Travelers	$809	$136
Country Financial	$861	$145
Erie	$1003	$169
USAA	$1195	$201
Auto-Owners	$1233	$208
Progressive	$1263	$213
State Farm	$1359	$229
Farmers	$1493	$254
Allstate	$2146	$361
Hanover	$1174	$195

Key Takeaways

Way's key takeaways about car insurance in Morton Grove

The auto insurance costs in Morton Grove fall around $445 for six months.
The cheapest auto insurance company in Morton Grove is Mercury.
Teen drivers pay the highest rate in Morton Grove at $73 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Morton Grove

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 Morton Grove are given below.

Mercury provides the cheapest minimum car insurance coverage in Morton Grove. Their Average 6 Month Premium is $186. AAA is the most expensive at $319 for the same period.

Cheapest Liability Coverage in Morton Grove, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$186	$31
Westfield	$200	$34
Auto-Owners Insurance Co	$238	$40
American Family	$253	$43
Erie	$311	$53
Travelers	$341	$58
Auto-Owners	$349	$59
Country Financial	$349	$59
USAA	$431	$73
State Farm	$460	$78
Progressive	$483	$81
Allstate	$713	$120
Farmers	$929	$158
Hanover	$223	$38
AAA	$319	$54

Cheapest Full Coverage Car Insurance in Morton Grove

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 Morton Grove is American Family at $76 per month and $445 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morton Grove, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$445	$76
Auto-Owners Insurance Co	$558	$93
Westfield	$631	$108
Travelers	$809	$136
Country Financial	$861	$145
Erie	$1003	$169
USAA	$1195	$201
Auto-Owners	$1233	$208
Progressive	$1263	$213
State Farm	$1359	$229
Farmers	$1493	$254
Allstate	$2146	$361
Hanover	$1174	$195

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Average Car Insurance in Morton Grove 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 Morton Grove, IL increasing?

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

Car Insurance Premiums by Age in Morton Grove

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 Morton Grove,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Morton Grove at $40 per month. At $424 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$238	$40
American Family	$275	$46
Mercury	$275	$46
Auto-Owners Insurance Co	$298	$50
Farmers	$483	$80
Country Financial	$1351	$228
Travelers	$1411	$238
Erie	$1604	$270
USAA	$2435	$410
Auto-Owners	$2659	$453
Progressive	$3743	$630
State Farm	$4626	$779
Allstate	$5049	$850
AAA	$424	$73

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 Morton Grove, Mercury is the cheapest car insurance provider. At $283 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 Morton Grove is Farmers, offering rates of around $3631 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$283	$48
Westfield	$371	$63
American Family	$468	$80
Hanover	$498	$83
Travelers	$891	$150
Country Financial	$1003	$169
Progressive	$1240	$209
USAA	$2198	$366
Erie	$2391	$406
Auto-Owners	$3401	$566
Allstate	$3891	$661
State Farm	$5806	$968
Farmers	$3631	$618

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

Car Insurance Rates with An Accident in Morton Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Morton Grove

The cheapest car insurance companies after an at-fault accident in Morton Grove include American Family and AutoOwners Insurance Co, offering $298 and $311, respectively. AAA is an expensive provider with an average six-month premium of $528.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$298	$50
Auto-Owners Insurance Co	$311	$53
Westfield	$319	$54
Mercury	$409	$70
Farmers	$609	$101
Travelers	$750	$126
Erie	$929	$156
Country Financial	$988	$166
State Farm	$1248	$210
USAA	$1336	$225
Auto-Owners	$1396	$233
Progressive	$1886	$318
Allstate	$3660	$616
AAA	$528	$90

Morton Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morton Grove IL. For example, the car insurance in Morton Grove after a DUI increases to $1025 for a six month policy. While the rate increases by $275 for a six-month policy in the case of a speeding ticket.

Morton Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1225	$204
One Med/PIP claim	$1233	$210
Not-at-fault accident	$1300	$216
One comp claim	$1329	$226
Two Med/PIP claims	$1329	$221
Failure to wear a seat belt	$1425	$243
Driving without lights	$1440	$240
Child safety restraint	$1448	$246
Two comp claims	$1448	$241
Failure to show documents	$1470	$250
Speeding 6 - 10 MPH over limit	$1500	$250
Driving with expired registration	$1508	$256
Speeding 11 - 15 MPH over limit	$1538	$256
Driving too slowly	$1545	$263
Failure to yield	$1545	$258
Illegal turn	$1545	$263
At-fault accident - less than $1000	$1559	$260
Failure to stop at a red light	$1559	$265
Following too closely	$1559	$260
Speeding 16 - 20 MPH over limit	$1566	$266
Speeding in school zone	$1566	$261
Improper passing	$1574	$268
Wrong way/wrong lane	$1574	$263
Cell phone violation	$1604	$273
Texting while driving	$1604	$268
Passing school bus	$1619	$275
In 65 MPH zone	$1626	$271
Speeding 21 - 25 MPH over limit	$1641	$279
Operating a vehicle without permission	$1671	$279
At-fault accident - $1000-$2000	$1775	$301
At-fault accident - greater than $2000	$1804	$301
Open container	$1864	$318
Reckless driving	$2161	$360
Racing	$2183	$371
Driving with a suspended license	$2228	$371
Refusal to submit to a chemical test	$2243	$381
DUI	$2250	$375
Leaving scene of an accident/hit and run	$2273	$386

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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 Morton Grove 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 Morton Grove.

The cheapest car insurance premiums in Morton Grove are offered by Mercury at $283 for a six-month policy. However, it can be as expensive as $3185 with companies like Farmers.

Morton Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$283	$48
American Family	$298	$50
Travelers	$795	$134
Progressive	$958	$161
Erie	$1144	$193
Country Financial	$1329	$224
USAA	$1826	$308
State Farm	$1879	$316
Auto-Owners	$1983	$338
Allstate	$3149	$530
Farmers	$3185	$541

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 Morton Grove are offered by Westfield at $238. However, it can be as expensive as $5836 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Morton Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$238	$40
Auto-Owners Insurance Co	$268	$45
Mercury	$290	$49
American Family	$298	$50
Hanover	$356	$60
Erie	$743	$125
Country Financial	$891	$150
Travelers	$1129	$188
Auto-Owners	$1144	$195
State Farm	$1433	$239
USAA	$1581	$269
Progressive	$1619	$270
Allstate	$3371	$574
Farmers	$5836	$973

Car Insurance Price Trends in Morton Grove, Illinois

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

The average cost of full coverage in the Morton Grove dipped by $211 in January compared to $241 of December. In other words, there has been an decrease by $30 when you compare January and December.

The average cost of liability insurance in the Morton Grove dipped to $64 in January, compared to $66 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Morton Grove?

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

What is the cheapest car insurance in Morton Grove?

The cheapest car insurance in Morton Grove is $76 per month for full coverage.

How much is car insurance in Morton Grove for teenagers?

Car insurance for teenagers costs $238 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 Morton Grove?

The average cost of car insurance is $871 for a six-month policy. It will cost around $183 per month to insure your car in Morton Grove.

Is car insurance expensive in Morton Grove?

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

Cheapest Car Insurance Quotes in Morton Grove

Why you can trust Way?

How Much Is Car Insurance in Morton Grove

Avg. Car Insurance in Morton Grove

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Morton Grove

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Morton Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Morton Grove, IL

Way's key takeaways about car insurance in Morton Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Morton Grove

Cheapest Liability Coverage in Morton Grove, IL

Cheapest Full Coverage Car Insurance in Morton Grove

Cheapest Full Coverage Car Insurance Quotes in Morton Grove, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Morton Grove by Rating Factor

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

Car Insurance Premiums by Age in Morton Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Morton Grove,IL

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

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 Morton Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Morton Grove

Morton Grove Car Insurance Rates by Violation

Morton Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Morton Grove after a DUI

Morton Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Morton Grove after Speeding ticket

Car Insurance Price Trends in Morton Grove, Illinois

Average Car Insurance Cost in Morton Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Morton Grove, IL

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

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