Cheapest Car Insurance Quotes in Northlake

Finding the cheapest car insurance quotes in Northlake shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Northlake 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 Northlake

The car insurance rate in Northlake is $1141 for a six-month policy, which is $270 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $466, making it a popular choice for budget-conscious drivers. Rates in Northlake 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 Northlake

$1141

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Northlake

1st place: American Family

At $466 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 $584 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $662 for six months, making it the third cheapest auto insurance company in Northlake.

Northlake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Northlake, IL is American Family, offering policies at just $466 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $584.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1230 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Northlake drivers find the best deals.

Cheap Car Insurance Companies in Northlake, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$466	$80
Auto-Owners Insurance Co	$584	$97
Westfield	$662	$113
Travelers	$848	$143
Country Financial	$903	$152
Erie	$1051	$177
USAA	$1252	$211
Auto-Owners	$1292	$217
Progressive	$1323	$223
State Farm	$1424	$240
Farmers	$1564	$266
Allstate	$2249	$379
Hanover	$1230	$204

Key Takeaways

Way's key takeaways about car insurance in Northlake

The auto insurance costs in Northlake fall around $466 for six months.
The cheapest auto insurance company in Northlake is Mercury.
Teen drivers pay the highest rate in Northlake at $76 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Northlake

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 Northlake are given below.

Mercury provides the cheapest minimum car insurance coverage in Northlake. Their Average 6 Month Premium is $195. AAA is the most expensive at $334 for the same period.

Cheapest Liability Coverage in Northlake, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$195	$33
Westfield	$210	$35
Auto-Owners Insurance Co	$249	$42
American Family	$265	$45
Erie	$326	$55
Travelers	$358	$60
Auto-Owners	$365	$62
Country Financial	$365	$62
USAA	$452	$76
State Farm	$482	$81
Progressive	$506	$85
Allstate	$747	$126
Farmers	$973	$165
Hanover	$233	$39
AAA	$334	$56

Cheapest Full Coverage Car Insurance in Northlake

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 Northlake is American Family at $80 per month and $466 for six months.

Cheapest Full Coverage Car Insurance Quotes in Northlake, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$466	$80
Auto-Owners Insurance Co	$584	$97
Westfield	$662	$113
Travelers	$848	$143
Country Financial	$903	$152
Erie	$1051	$177
USAA	$1252	$211
Auto-Owners	$1292	$217
Progressive	$1323	$223
State Farm	$1424	$240
Farmers	$1564	$266
Allstate	$2249	$379
Hanover	$1230	$204

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Northlake Instantly!

Average Car Insurance in Northlake 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 Northlake, IL increasing?

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

Car Insurance Premiums by Age in Northlake

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Northlake,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Northlake at $42 per month. At $444 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$249	$42
American Family	$288	$48
Mercury	$288	$48
Auto-Owners Insurance Co	$312	$52
Farmers	$506	$84
Country Financial	$1416	$238
Travelers	$1479	$249
Erie	$1681	$283
USAA	$2552	$430
Auto-Owners	$2786	$474
Progressive	$3922	$660
State Farm	$4848	$816
Allstate	$5291	$891
AAA	$444	$76

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 Northlake, Mercury is the cheapest car insurance provider. At $296 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 Northlake is Farmers, offering rates of around $3806 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$296	$50
Westfield	$389	$66
American Family	$490	$84
Hanover	$521	$86
Travelers	$934	$157
Country Financial	$1051	$177
Progressive	$1300	$219
USAA	$2303	$384
Erie	$2506	$426
Auto-Owners	$3565	$593
Allstate	$4078	$693
State Farm	$6085	$1014
Farmers	$3806	$647

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Northlake

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

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

The cheapest car insurance companies after an at-fault accident in Northlake include American Family and AutoOwners Insurance Co, offering $312 and $326, respectively. AAA is an expensive provider with an average six-month premium of $553.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$312	$52
Auto-Owners Insurance Co	$326	$55
Westfield	$334	$56
Mercury	$428	$73
Farmers	$638	$106
Travelers	$786	$132
Erie	$973	$164
Country Financial	$1035	$174
State Farm	$1307	$220
USAA	$1400	$236
Auto-Owners	$1463	$244
Progressive	$1977	$333
Allstate	$3836	$646
AAA	$553	$94

Northlake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Northlake IL. For example, the car insurance in Northlake after a DUI increases to $1074 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.

Northlake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1284	$214
One Med/PIP claim	$1292	$220
Not-at-fault accident	$1362	$227
One comp claim	$1393	$237
Two Med/PIP claims	$1393	$232
Failure to wear a seat belt	$1493	$254
Driving without lights	$1509	$252
Child safety restraint	$1517	$258
Two comp claims	$1517	$253
Failure to show documents	$1541	$262
Speeding 6 - 10 MPH over limit	$1572	$262
Driving with expired registration	$1580	$269
Speeding 11 - 15 MPH over limit	$1611	$269
Driving too slowly	$1619	$275
Failure to yield	$1619	$270
Illegal turn	$1619	$275
At-fault accident - less than $1000	$1634	$272
Failure to stop at a red light	$1634	$278
Following too closely	$1634	$272
Speeding 16 - 20 MPH over limit	$1641	$279
Speeding in school zone	$1641	$274
Improper passing	$1649	$280
Wrong way/wrong lane	$1649	$275
Cell phone violation	$1681	$286
Texting while driving	$1681	$280
Passing school bus	$1696	$288
In 65 MPH zone	$1704	$284
Speeding 21 - 25 MPH over limit	$1720	$292
Operating a vehicle without permission	$1751	$292
At-fault accident - $1000-$2000	$1860	$316
At-fault accident - greater than $2000	$1890	$316
Open container	$1953	$333
Reckless driving	$2265	$377
Racing	$2287	$389
Driving with a suspended license	$2334	$389
Refusal to submit to a chemical test	$2350	$400
DUI	$2358	$393
Leaving scene of an accident/hit and run	$2382	$405

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Northlake 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 Northlake.

The cheapest car insurance premiums in Northlake are offered by Mercury at $296 for a six-month policy. However, it can be as expensive as $3338 with companies like Farmers.

Northlake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$296	$50
American Family	$312	$52
Travelers	$833	$140
Progressive	$1003	$169
Erie	$1199	$202
Country Financial	$1393	$234
USAA	$1914	$322
State Farm	$1969	$331
Auto-Owners	$2078	$354
Allstate	$3300	$555
Farmers	$3338	$567

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 Northlake are offered by Westfield at $249. However, it can be as expensive as $6116 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Northlake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$249	$42
Auto-Owners Insurance Co	$280	$47
Mercury	$304	$51
American Family	$312	$52
Hanover	$373	$63
Erie	$778	$131
Country Financial	$934	$157
Travelers	$1183	$197
Auto-Owners	$1199	$204
State Farm	$1501	$250
USAA	$1657	$282
Progressive	$1696	$283
Allstate	$3533	$601
Farmers	$6116	$1019

Car Insurance Price Trends in Northlake, Illinois

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

The average cost of full coverage in the Northlake dipped by $221 in January compared to $253 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 Northlake dipped to $67 in January, compared to $69 in December. This represents an decrease of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Northlake?

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

What is the cheapest car insurance in Northlake?

The cheapest car insurance in Northlake is $80 per month for full coverage.

How much is car insurance in Northlake for teenagers?

Car insurance for teenagers costs $249 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 Northlake?

The average cost of car insurance is $871 for a six-month policy. It will cost around $191 per month to insure your car in Northlake.

Is car insurance expensive in Northlake?

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

Cheapest Car Insurance Quotes in Northlake

Why you can trust Way?

How Much Is Car Insurance in Northlake

Avg. Car Insurance in Northlake

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Northlake

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Northlake Car Insurance Rates by Company

Cheap Car Insurance Companies in Northlake, IL

Way's key takeaways about car insurance in Northlake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Northlake

Cheapest Liability Coverage in Northlake, IL

Cheapest Full Coverage Car Insurance in Northlake

Cheapest Full Coverage Car Insurance Quotes in Northlake, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Northlake by Rating Factor

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

Car Insurance Premiums by Age in Northlake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Northlake,IL

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

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 Northlake

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

Northlake Car Insurance Rates by Violation

Northlake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Northlake after a DUI

Northlake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Northlake after Speeding ticket

Car Insurance Price Trends in Northlake, Illinois

Average Car Insurance Cost in Northlake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Northlake, IL

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

Featured Blogs

Data Sources