Cheapest Car Insurance Quotes in North Riverside

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North Riverside Car Insurance

^$ 28

/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 North Riverside

The car insurance rate in North Riverside is $982 for a six-month policy, which is $113 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $504, making it a popular choice for budget-conscious drivers. Rates in North Riverside 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 North Riverside

$982

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in North Riverside

1st place: AutoOwners Insurance Co

At $504 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 $571 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 $598 for six months, making it the third cheapest auto insurance company in North Riverside.

North Riverside Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Riverside, IL is AutoOwners Insurance Co, offering policies at just $504 for a six-month term. This is followed by Westfield, which has an average six-month premium of $571.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $913 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Riverside drivers find the best deals.

Cheap Car Insurance Companies in North Riverside, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$504	$86
Westfield	$571	$95
Country Financial	$598	$101
Travelers	$712	$120
American Family	$826	$139
Erie	$866	$145
USAA	$1020	$172
State Farm	$1027	$173
Progressive	$1128	$190
Auto-Owners	$1188	$198
Allstate	$1705	$287
Farmers	$1705	$287
Hanover	$1061	$176
Mercury	$906	$151
Hastings Mutual	$913	$155

Key Takeaways

Way's key takeaways about car insurance in North Riverside

The auto insurance costs in North Riverside fall around $504 for six months.
The cheapest auto insurance company in North Riverside is Mercury.
Teen drivers pay the highest rate in North Riverside at $66 per month.

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

Cheapest Minimum Liability Car Insurance in North Riverside

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 North Riverside are given below.

Mercury provides the cheapest minimum car insurance coverage in North Riverside. Their Average 6 Month Premium is $168. First Chicago is the most expensive at $221 for the same period.

Cheapest Liability Coverage in North Riverside, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$168	$28
Westfield	$181	$31
Auto-Owners Insurance Co	$215	$36
Country Financial	$228	$38
Erie	$281	$47
Auto-Owners	$308	$52
Travelers	$308	$52
American Family	$356	$60
State Farm	$356	$60
USAA	$376	$63
Progressive	$436	$73
Allstate	$685	$115
Farmers	$840	$142
Hanover	$201	$34
AAA	$288	$49
First Chicago	$221	$37

Cheapest Full Coverage Car Insurance in North Riverside

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 North Riverside is AutoOwners Insurance Co at $86 per month and $504 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Riverside, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$504	$86
Westfield	$571	$95
Country Financial	$598	$101
Travelers	$712	$120
American Family	$826	$139
Erie	$866	$145
USAA	$1020	$172
State Farm	$1027	$173
Progressive	$1128	$190
Auto-Owners	$1188	$198
Allstate	$1705	$287
Farmers	$1705	$287
Hanover	$1061	$176
Mercury	$906	$151
Hastings Mutual	$913	$155

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Average Car Insurance in North Riverside 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 North Riverside, IL increasing?

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

Car Insurance Premiums by Age in North Riverside

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	$799
30s	Auto-Owners	$553
40s	Auto-Owners	$542
50s	Auto-Owners	$512
60s	Auto-Owners	$538
70s	Auto-Owners	$683

Cheapest Car Insurance Rates for Teen Drivers in North Riverside,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the North Riverside at $36 per month. At $383 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$215	$36
Mercury	$249	$42
Auto-Owners Insurance Co	$269	$45
Country Financial	$913	$154
Erie	$1121	$189
Travelers	$1188	$200
USAA	$2068	$348
American Family	$2477	$417
State Farm	$3564	$600
Progressive	$3571	$601
Allstate	$4148	$698
Farmers	$4222	$711
AAA	$383	$66

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 North Riverside.

As young drivers face the highest rates in North Riverside, AutoOwners offers the cheapest auto insurance rates at $799 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 North Riverside, Mercury is the cheapest car insurance provider. At $255 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 North Riverside is State Farm, offering rates of around $3511 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$255	$43
Westfield	$336	$58
Hanover	$450	$75
Country Financial	$671	$113
Travelers	$745	$125
Progressive	$1067	$180
American Family	$1309	$220
USAA	$1738	$296
Allstate	$2853	$476
Farmers	$3283	$558
State Farm	$3511	$585

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

Car Insurance Rates with An Accident in North Riverside

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

Cheapest Car Insurance Companies after an At-Fault Accident in North Riverside

The cheapest car insurance companies after an at-fault accident in North Riverside include AutoOwners Insurance Co and Westfield, offering $281 and $288, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $336.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$281	$47
Westfield	$288	$49
Mercury	$370	$61
Travelers	$644	$108
Erie	$651	$110
Country Financial	$658	$111
State Farm	$973	$164
USAA	$1000	$168
American Family	$1121	$189
Progressive	$1618	$272
Farmers	$1785	$301
Allstate	$2961	$498
AAA	$477	$81
First Chicago	$308	$52
Hastings Mutual	$336	$58

North Riverside Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Riverside IL. For example, the car insurance in North Riverside after a DUI increases to $927 for a six month policy. While the rate increases by $249 for a six-month policy in the case of a speeding ticket.

North Riverside auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1107	$184
One Med/PIP claim	$1114	$190
Not-at-fault accident	$1175	$195
One comp claim	$1201	$205
Two Med/PIP claims	$1201	$200
Failure to wear a seat belt	$1288	$219
Driving without lights	$1302	$217
Child safety restraint	$1309	$223
Two comp claims	$1309	$218
Failure to show documents	$1329	$226
Speeding 6 - 10 MPH over limit	$1356	$226
Driving with expired registration	$1363	$232
Speeding 11 - 15 MPH over limit	$1390	$232
Driving too slowly	$1397	$237
Failure to yield	$1397	$233
Illegal turn	$1397	$237
At-fault accident - less than $1000	$1409	$235
Failure to stop at a red light	$1409	$240
Following too closely	$1409	$235
Speeding 16 - 20 MPH over limit	$1416	$241
Speeding in school zone	$1416	$236
Improper passing	$1423	$242
Wrong way/wrong lane	$1423	$237
Cell phone violation	$1450	$246
Texting while driving	$1450	$242
Passing school bus	$1463	$249
In 65 MPH zone	$1470	$245
Speeding 21 - 25 MPH over limit	$1484	$252
Operating a vehicle without permission	$1511	$252
At-fault accident - $1000-$2000	$1605	$272
At-fault accident - greater than $2000	$1631	$272
Open container	$1685	$287
Reckless driving	$1954	$325
Racing	$1973	$336
Driving with a suspended license	$2014	$336
Refusal to submit to a chemical test	$2027	$345
DUI	$2034	$339
Leaving scene of an accident/hit and run	$2054	$349

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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 North Riverside 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 North Riverside.

The cheapest car insurance premiums in North Riverside are offered by Mercury at $255 for a six-month policy. However, it can be as expensive as $2879 with companies like Farmers.

North Riverside car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$255	$43
Travelers	$685	$115
Erie	$792	$133
Progressive	$826	$139
Country Financial	$1041	$175
American Family	$1269	$214
State Farm	$1376	$232
USAA	$1611	$271
Allstate	$2530	$426
Farmers	$2879	$489

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 North Riverside are offered by Westfield at $215. However, it can be as expensive as $5276 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in North Riverside after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$215	$36
Auto-Owners Insurance Co	$242	$41
Mercury	$262	$44
Erie	$281	$47
Hanover	$322	$54
Country Financial	$678	$114
USAA	$879	$147
State Farm	$1201	$205
Travelers	$1363	$227
Progressive	$1409	$240
American Family	$1564	$263
Allstate	$4484	$763
Farmers	$5276	$879

Car Insurance Price Trends in North Riverside, Illinois

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

The average cost of full coverage in the North Riverside rose by $218 in December compared to $216 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 North Riverside rose to $60 in December, compared to $58 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 North Riverside?

The car insurance in North Riverside is $28 per month, which is lower than the national average.

What is the cheapest car insurance in North Riverside?

The cheapest car insurance in North Riverside is $86 per month for full coverage.

How much is car insurance in North Riverside for teenagers?

Car insurance for teenagers costs $215 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 North Riverside?

The average cost of car insurance is $869 for a six-month policy. It will cost around $164 per month to insure your car in North Riverside.

Is car insurance expensive in North Riverside?

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

Cheapest Car Insurance Quotes in North Riverside

Why you can trust Way?

How Much Is Car Insurance in North Riverside

Avg. Car Insurance in North Riverside

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in North Riverside

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

North Riverside Car Insurance Rates by Company

Cheap Car Insurance Companies in North Riverside, IL

Way's key takeaways about car insurance in North Riverside

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Riverside

Cheapest Liability Coverage in North Riverside, IL

Cheapest Full Coverage Car Insurance in North Riverside

Cheapest Full Coverage Car Insurance Quotes in North Riverside, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Riverside by Rating Factor

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

Car Insurance Premiums by Age in North Riverside

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North Riverside,IL

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

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 North Riverside

Cheapest Car Insurance Companies after an At-Fault Accident in North Riverside

North Riverside Car Insurance Rates by Violation

North Riverside auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Riverside after a DUI

North Riverside car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Riverside after Speeding ticket

Car Insurance Price Trends in North Riverside, Illinois

Average Car Insurance Cost in North Riverside by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Riverside, IL

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

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