Cheapest Car Insurance Quotes in Olympia Fields

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Olympia Fields 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 Olympia Fields

The car insurance rate in Olympia Fields is $1086 for a six-month policy, which is $217 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $558, making it a popular choice for budget-conscious drivers. Rates in Olympia Fields 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 Olympia Fields

$1086

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Olympia Fields

1st place: AutoOwners Insurance Co

At $558 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 $631 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 $661 for six months, making it the third cheapest auto insurance company in Olympia Fields.

Olympia Fields Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Olympia Fields, IL is AutoOwners Insurance Co, offering policies at just $558 for a six-month term. This is followed by Westfield, which has an average six-month premium of $631.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1010 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Olympia Fields drivers find the best deals.

Cheap Car Insurance Companies in Olympia Fields, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$558	$95
Westfield	$631	$105
Country Financial	$661	$111
Travelers	$788	$133
American Family	$914	$154
Erie	$958	$160
USAA	$1129	$190
State Farm	$1136	$191
Progressive	$1248	$210
Auto-Owners	$1314	$219
Allstate	$1886	$318
Farmers	$1886	$318
Hanover	$1174	$195
Mercury	$1003	$168
Hastings Mutual	$1010	$171

Key Takeaways

Way's key takeaways about car insurance in Olympia Fields

The auto insurance costs in Olympia Fields fall around $558 for six months.
The cheapest auto insurance company in Olympia Fields is Mercury.
Teen drivers pay the highest rate in Olympia Fields at $73 per month.

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Cheapest Minimum Liability Car Insurance in Olympia Fields

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 Olympia Fields are given below.

Mercury provides the cheapest minimum car insurance coverage in Olympia Fields. Their Average 6 Month Premium is $186. First Chicago is the most expensive at $245 for the same period.

Cheapest Liability Coverage in Olympia Fields, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$186	$31
Westfield	$200	$34
Auto-Owners Insurance Co	$238	$40
Country Financial	$253	$43
Erie	$311	$53
Auto-Owners	$341	$58
Travelers	$341	$58
American Family	$394	$66
State Farm	$394	$66
USAA	$416	$70
Progressive	$483	$81
Allstate	$758	$128
Farmers	$929	$158
Hanover	$223	$38
AAA	$319	$54
First Chicago	$245	$41

Cheapest Full Coverage Car Insurance in Olympia Fields

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 Olympia Fields is AutoOwners Insurance Co at $95 per month and $558 for six months.

Cheapest Full Coverage Car Insurance Quotes in Olympia Fields, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$558	$95
Westfield	$631	$105
Country Financial	$661	$111
Travelers	$788	$133
American Family	$914	$154
Erie	$958	$160
USAA	$1129	$190
State Farm	$1136	$191
Progressive	$1248	$210
Auto-Owners	$1314	$219
Allstate	$1886	$318
Farmers	$1886	$318
Hanover	$1174	$195
Mercury	$1003	$168
Hastings Mutual	$1010	$171

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Average Car Insurance in Olympia Fields 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 Olympia Fields, IL increasing?

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

Car Insurance Premiums by Age in Olympia Fields

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	$884
30s	Auto-Owners	$611
40s	Auto-Owners	$600
50s	Auto-Owners	$566
60s	Auto-Owners	$595
70s	Auto-Owners	$755

Cheapest Car Insurance Rates for Teen Drivers in Olympia Fields,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Olympia Fields 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
Mercury	$275	$46
Auto-Owners Insurance Co	$298	$50
Country Financial	$1010	$170
Erie	$1240	$209
Travelers	$1314	$221
USAA	$2288	$385
American Family	$2740	$461
State Farm	$3943	$664
Progressive	$3950	$665
Allstate	$4589	$773
Farmers	$4670	$786
AAA	$424	$73

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 Olympia Fields.

As young drivers face the highest rates in Olympia Fields, AutoOwners offers the cheapest auto insurance rates at $884 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 Olympia Fields, 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 Olympia Fields is State Farm, offering rates of around $3884 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$283	$48
Westfield	$371	$64
Hanover	$498	$83
Country Financial	$743	$125
Travelers	$824	$139
Progressive	$1180	$199
American Family	$1448	$244
USAA	$1923	$328
Allstate	$3156	$526
Farmers	$3631	$618
State Farm	$3884	$648

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Car Insurance Rates with An Accident in Olympia Fields

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

Cheapest Car Insurance Companies after an At-Fault Accident in Olympia Fields

The cheapest car insurance companies after an at-fault accident in Olympia Fields include AutoOwners Insurance Co and Westfield, offering $311 and $319, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $371.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$311	$53
Westfield	$319	$54
Mercury	$409	$68
Travelers	$713	$120
Erie	$720	$121
Country Financial	$728	$123
State Farm	$1076	$181
USAA	$1106	$186
American Family	$1240	$209
Progressive	$1790	$301
Farmers	$1975	$333
Allstate	$3275	$551
AAA	$528	$90
First Chicago	$341	$58
Hastings Mutual	$371	$64

Olympia Fields Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Olympia Fields IL. For example, the car insurance in Olympia Fields 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.

Olympia Fields 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 Olympia Fields 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 Olympia Fields.

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

Olympia Fields car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$283	$48
Travelers	$758	$128
Erie	$876	$148
Progressive	$914	$154
Country Financial	$1151	$194
American Family	$1404	$236
State Farm	$1523	$256
USAA	$1783	$300
Allstate	$2799	$471
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 Olympia Fields 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 Olympia Fields after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$238	$40
Auto-Owners Insurance Co	$268	$45
Mercury	$290	$49
Erie	$311	$53
Hanover	$356	$60
Country Financial	$750	$126
USAA	$973	$163
State Farm	$1329	$226
Travelers	$1508	$251
Progressive	$1559	$265
American Family	$1730	$291
Allstate	$4960	$844
Farmers	$5836	$973

Car Insurance Price Trends in Olympia Fields, Illinois

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

The average cost of full coverage in the Olympia Fields rose by $241 in December compared to $239 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 Olympia Fields rose to $66 in December, compared to $64 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 Olympia Fields?

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

What is the cheapest car insurance in Olympia Fields?

The cheapest car insurance in Olympia Fields is $95 per month for full coverage.

How much is car insurance in Olympia Fields 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 Olympia Fields?

The average cost of car insurance is $869 for a six-month policy. It will cost around $181 per month to insure your car in Olympia Fields.

Is car insurance expensive in Olympia Fields?

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

Cheapest Car Insurance Quotes in Olympia Fields

Why you can trust Way?

How Much Is Car Insurance in Olympia Fields

Avg. Car Insurance in Olympia Fields

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Olympia Fields

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Olympia Fields Car Insurance Rates by Company

Cheap Car Insurance Companies in Olympia Fields, IL

Way's key takeaways about car insurance in Olympia Fields

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Olympia Fields

Cheapest Liability Coverage in Olympia Fields, IL

Cheapest Full Coverage Car Insurance in Olympia Fields

Cheapest Full Coverage Car Insurance Quotes in Olympia Fields, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Olympia Fields by Rating Factor

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

Car Insurance Premiums by Age in Olympia Fields

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Olympia Fields,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Olympia Fields.

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 Olympia Fields

Cheapest Car Insurance Companies after an At-Fault Accident in Olympia Fields

Olympia Fields Car Insurance Rates by Violation

Olympia Fields auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Olympia Fields after a DUI

Olympia Fields car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Olympia Fields after Speeding ticket

Car Insurance Price Trends in Olympia Fields, Illinois

Average Car Insurance Cost in Olympia Fields by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Olympia Fields, IL

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

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