Cheapest Car Insurance Quotes in Northbrook

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Northbrook Car Insurance

^$ 29

/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 Northbrook

The car insurance rate in Northbrook is $1010 for a six-month policy, which is $139 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $413, making it a popular choice for budget-conscious drivers. Rates in Northbrook 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 Northbrook

$1010

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Northbrook

1st place: American Family

At $413 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 $517 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $586 for six months, making it the third cheapest auto insurance company in Northbrook.

Northbrook Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Northbrook, IL is American Family, offering policies at just $413 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $517.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1089 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Northbrook drivers find the best deals.

Cheap Car Insurance Companies in Northbrook, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$413	$71
Auto-Owners Insurance Co	$517	$86
Westfield	$586	$100
Travelers	$751	$126
Country Financial	$799	$135
Erie	$930	$157
USAA	$1109	$187
Auto-Owners	$1144	$193
Progressive	$1172	$197
State Farm	$1261	$212
Farmers	$1385	$235
Allstate	$1992	$335
Hanover	$1089	$181

Key Takeaways

Way's key takeaways about car insurance in Northbrook

The auto insurance costs in Northbrook fall around $413 for six months.
The cheapest auto insurance company in Northbrook is Mercury.
Teen drivers pay the highest rate in Northbrook at $67 per month.

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Cheapest Minimum Liability Car Insurance in Northbrook

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 Northbrook are given below.

Mercury provides the cheapest minimum car insurance coverage in Northbrook. Their Average 6 Month Premium is $173. AAA is the most expensive at $296 for the same period.

Cheapest Liability Coverage in Northbrook, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$173	$29
Westfield	$186	$31
Auto-Owners Insurance Co	$220	$37
American Family	$234	$39
Erie	$289	$49
Travelers	$317	$53
Auto-Owners	$324	$55
Country Financial	$324	$55
USAA	$400	$67
State Farm	$427	$72
Progressive	$448	$75
Allstate	$661	$111
Farmers	$862	$146
Hanover	$206	$35
AAA	$296	$50

Cheapest Full Coverage Car Insurance in Northbrook

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 Northbrook is American Family at $71 per month and $413 for six months.

Cheapest Full Coverage Car Insurance Quotes in Northbrook, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$413	$71
Auto-Owners Insurance Co	$517	$86
Westfield	$586	$100
Travelers	$751	$126
Country Financial	$799	$135
Erie	$930	$157
USAA	$1109	$187
Auto-Owners	$1144	$193
Progressive	$1172	$197
State Farm	$1261	$212
Farmers	$1385	$235
Allstate	$1992	$335
Hanover	$1089	$181

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Average Car Insurance in Northbrook 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 Northbrook, IL increasing?

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

Car Insurance Premiums by Age in Northbrook

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 Northbrook,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Northbrook at $37 per month. At $393 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$220	$37
American Family	$255	$43
Mercury	$255	$43
Auto-Owners Insurance Co	$276	$46
Farmers	$448	$74
Country Financial	$1254	$211
Travelers	$1310	$220
Erie	$1488	$251
USAA	$2260	$380
Auto-Owners	$2467	$420
Progressive	$3473	$585
State Farm	$4293	$723
Allstate	$4685	$789
AAA	$393	$67

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 Northbrook, Mercury is the cheapest car insurance provider. At $262 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 Northbrook is Farmers, offering rates of around $3370 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$262	$44
Westfield	$345	$58
American Family	$434	$74
Hanover	$462	$77
Travelers	$827	$139
Country Financial	$930	$157
Progressive	$1151	$194
USAA	$2039	$340
Erie	$2219	$377
Auto-Owners	$3156	$525
Allstate	$3611	$614
State Farm	$5388	$898
Farmers	$3370	$573

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

Car Insurance Rates with An Accident in Northbrook

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

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

The cheapest car insurance companies after an at-fault accident in Northbrook include American Family and AutoOwners Insurance Co, offering $276 and $289, respectively. AAA is an expensive provider with an average six-month premium of $490.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$276	$46
Auto-Owners Insurance Co	$289	$49
Westfield	$296	$50
Mercury	$379	$65
Farmers	$565	$94
Travelers	$696	$117
Erie	$862	$145
Country Financial	$916	$154
State Farm	$1158	$195
USAA	$1240	$209
Auto-Owners	$1296	$216
Progressive	$1750	$295
Allstate	$3396	$572
AAA	$490	$84

Northbrook Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Northbrook IL. For example, the car insurance in Northbrook after a DUI increases to $951 for a six month policy. While the rate increases by $255 for a six-month policy in the case of a speeding ticket.

Northbrook auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1137	$189
One Med/PIP claim	$1144	$195
Not-at-fault accident	$1206	$201
One comp claim	$1233	$210
Two Med/PIP claims	$1233	$205
Failure to wear a seat belt	$1322	$225
Driving without lights	$1336	$223
Child safety restraint	$1343	$229
Two comp claims	$1343	$224
Failure to show documents	$1364	$232
Speeding 6 - 10 MPH over limit	$1392	$232
Driving with expired registration	$1399	$238
Speeding 11 - 15 MPH over limit	$1427	$238
Driving too slowly	$1434	$244
Failure to yield	$1434	$239
Illegal turn	$1434	$244
At-fault accident - less than $1000	$1447	$241
Failure to stop at a red light	$1447	$246
Following too closely	$1447	$241
Speeding 16 - 20 MPH over limit	$1453	$247
Speeding in school zone	$1453	$242
Improper passing	$1460	$248
Wrong way/wrong lane	$1460	$244
Cell phone violation	$1488	$253
Texting while driving	$1488	$248
Passing school bus	$1502	$255
In 65 MPH zone	$1509	$252
Speeding 21 - 25 MPH over limit	$1523	$259
Operating a vehicle without permission	$1551	$259
At-fault accident - $1000-$2000	$1647	$280
At-fault accident - greater than $2000	$1674	$280
Open container	$1730	$295
Reckless driving	$2006	$334
Racing	$2025	$345
Driving with a suspended license	$2067	$345
Refusal to submit to a chemical test	$2081	$354
DUI	$2088	$348
Leaving scene of an accident/hit and run	$2109	$358

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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 Northbrook 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 Northbrook.

The cheapest car insurance premiums in Northbrook are offered by Mercury at $262 for a six-month policy. However, it can be as expensive as $2956 with companies like Farmers.

Northbrook car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$262	$44
American Family	$276	$46
Travelers	$738	$124
Progressive	$889	$150
Erie	$1061	$179
Country Financial	$1233	$208
USAA	$1695	$285
State Farm	$1743	$293
Auto-Owners	$1840	$313
Allstate	$2922	$492
Farmers	$2956	$502

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 Northbrook are offered by Westfield at $220. However, it can be as expensive as $5416 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Northbrook after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$220	$37
Auto-Owners Insurance Co	$248	$42
Mercury	$269	$45
American Family	$276	$46
Hanover	$331	$56
Erie	$689	$116
Country Financial	$827	$139
Travelers	$1047	$174
Auto-Owners	$1061	$181
State Farm	$1329	$222
USAA	$1467	$249
Progressive	$1502	$251
Allstate	$3129	$532
Farmers	$5416	$902

Car Insurance Price Trends in Northbrook, Illinois

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

The average cost of full coverage in the Northbrook dipped by $196 in January compared to $224 of December. In other words, there has been an decrease by $28 when you compare January and December.

The average cost of liability insurance in the Northbrook dipped to $59 in January, compared to $61 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 Northbrook?

The car insurance in Northbrook is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Northbrook?

The cheapest car insurance in Northbrook is $71 per month for full coverage.

How much is car insurance in Northbrook for teenagers?

Car insurance for teenagers costs $220 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 Northbrook?

The average cost of car insurance is $871 for a six-month policy. It will cost around $169 per month to insure your car in Northbrook.

Is car insurance expensive in Northbrook?

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

Cheapest Car Insurance Quotes in Northbrook

Why you can trust Way?

How Much Is Car Insurance in Northbrook

Avg. Car Insurance in Northbrook

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Northbrook

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Northbrook Car Insurance Rates by Company

Cheap Car Insurance Companies in Northbrook, IL

Way's key takeaways about car insurance in Northbrook

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Northbrook

Cheapest Liability Coverage in Northbrook, IL

Cheapest Full Coverage Car Insurance in Northbrook

Cheapest Full Coverage Car Insurance Quotes in Northbrook, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Northbrook by Rating Factor

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

Car Insurance Premiums by Age in Northbrook

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Northbrook,IL

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

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 Northbrook

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

Northbrook Car Insurance Rates by Violation

Northbrook auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Northbrook after a DUI

Northbrook car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Northbrook after Speeding ticket

Car Insurance Price Trends in Northbrook, Illinois

Average Car Insurance Cost in Northbrook by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Northbrook, IL

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

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