Cheapest Car Insurance Quotes in Palos Hills

Finding the cheapest car insurance quotes in Palos Hills 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

399,755 Policies Sold

Palos Hills 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 Palos Hills

The car insurance rate in Palos Hills is $1017 for a six-month policy, which is $148 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $522, making it a popular choice for budget-conscious drivers. Rates in Palos Hills 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 Palos Hills

$1017

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Palos Hills

1st place: AutoOwners Insurance Co

At $522 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 $591 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 $619 for six months, making it the third cheapest auto insurance company in Palos Hills.

Palos Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Palos Hills, IL is AutoOwners Insurance Co, offering policies at just $522 for a six-month term. This is followed by Westfield, which has an average six-month premium of $591.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $945 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Palos Hills drivers find the best deals.

Cheap Car Insurance Companies in Palos Hills, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$522	$89
Westfield	$591	$98
Country Financial	$619	$104
Travelers	$737	$124
American Family	$855	$144
Erie	$896	$150
USAA	$1057	$178
State Farm	$1064	$179
Progressive	$1168	$197
Auto-Owners	$1230	$205
Allstate	$1766	$297
Farmers	$1766	$297
Hanover	$1099	$183
Mercury	$938	$157
Hastings Mutual	$945	$160

Key Takeaways

Way's key takeaways about car insurance in Palos Hills

The auto insurance costs in Palos Hills fall around $522 for six months.
The cheapest auto insurance company in Palos Hills is Mercury.
Teen drivers pay the highest rate in Palos Hills at $68 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 Palos Hills

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 Palos Hills are given below.

Mercury provides the cheapest minimum car insurance coverage in Palos Hills. Their Average 6 Month Premium is $174. First Chicago is the most expensive at $229 for the same period.

Cheapest Liability Coverage in Palos Hills, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$174	$29
Westfield	$187	$32
Auto-Owners Insurance Co	$222	$37
Country Financial	$236	$40
Erie	$291	$49
Auto-Owners	$319	$54
Travelers	$319	$54
American Family	$369	$62
State Farm	$369	$62
USAA	$390	$66
Progressive	$452	$76
Allstate	$709	$119
Farmers	$869	$147
Hanover	$208	$35
AAA	$298	$50
First Chicago	$229	$39

Cheapest Full Coverage Car Insurance in Palos Hills

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 Palos Hills is AutoOwners Insurance Co at $89 per month and $522 for six months.

Cheapest Full Coverage Car Insurance Quotes in Palos Hills, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$522	$89
Westfield	$591	$98
Country Financial	$619	$104
Travelers	$737	$124
American Family	$855	$144
Erie	$896	$150
USAA	$1057	$178
State Farm	$1064	$179
Progressive	$1168	$197
Auto-Owners	$1230	$205
Allstate	$1766	$297
Farmers	$1766	$297
Hanover	$1099	$183
Mercury	$938	$157
Hastings Mutual	$945	$160

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Palos Hills Instantly!

Average Car Insurance in Palos Hills 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 Palos Hills, IL increasing?

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

Car Insurance Premiums by Age in Palos Hills

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	$827
30s	Auto-Owners	$572
40s	Auto-Owners	$562
50s	Auto-Owners	$530
60s	Auto-Owners	$557
70s	Auto-Owners	$707

Cheapest Car Insurance Rates for Teen Drivers in Palos Hills,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Palos Hills at $37 per month. At $397 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$222	$37
Mercury	$257	$43
Auto-Owners Insurance Co	$278	$47
Country Financial	$945	$159
Erie	$1161	$195
Travelers	$1230	$207
USAA	$2141	$360
American Family	$2565	$432
State Farm	$3690	$621
Progressive	$3697	$622
Allstate	$4295	$723
Farmers	$4371	$736
AAA	$397	$68

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 Palos Hills.

As young drivers face the highest rates in Palos Hills, AutoOwners offers the cheapest auto insurance rates at $827 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 Palos Hills, Mercury is the cheapest car insurance provider. At $264 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 Palos Hills is State Farm, offering rates of around $3635 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$264	$44
Westfield	$347	$60
Hanover	$466	$77
Country Financial	$695	$117
Travelers	$771	$130
Progressive	$1104	$186
American Family	$1355	$228
USAA	$1799	$307
Allstate	$2954	$493
Farmers	$3399	$578
State Farm	$3635	$606

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Palos Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Palos Hills

The cheapest car insurance companies after an at-fault accident in Palos Hills include AutoOwners Insurance Co and Westfield, offering $291 and $298, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $347.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$291	$49
Westfield	$298	$50
Mercury	$383	$63
Travelers	$667	$112
Erie	$674	$113
Country Financial	$681	$115
State Farm	$1007	$170
USAA	$1035	$174
American Family	$1161	$195
Progressive	$1675	$282
Farmers	$1849	$311
Allstate	$3065	$516
AAA	$494	$84
First Chicago	$319	$54
Hastings Mutual	$347	$60

Palos Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Palos Hills IL. For example, the car insurance in Palos Hills after a DUI increases to $959 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.

Palos Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1147	$191
One Med/PIP claim	$1154	$197
Not-at-fault accident	$1217	$202
One comp claim	$1244	$212
Two Med/PIP claims	$1244	$207
Failure to wear a seat belt	$1334	$227
Driving without lights	$1348	$225
Child safety restraint	$1355	$230
Two comp claims	$1355	$226
Failure to show documents	$1376	$234
Speeding 6 - 10 MPH over limit	$1404	$234
Driving with expired registration	$1411	$240
Speeding 11 - 15 MPH over limit	$1439	$240
Driving too slowly	$1446	$246
Failure to yield	$1446	$241
Illegal turn	$1446	$246
At-fault accident - less than $1000	$1459	$243
Failure to stop at a red light	$1459	$248
Following too closely	$1459	$243
Speeding 16 - 20 MPH over limit	$1466	$249
Speeding in school zone	$1466	$245
Improper passing	$1473	$250
Wrong way/wrong lane	$1473	$246
Cell phone violation	$1501	$255
Texting while driving	$1501	$250
Passing school bus	$1515	$257
In 65 MPH zone	$1522	$254
Speeding 21 - 25 MPH over limit	$1536	$261
Operating a vehicle without permission	$1564	$261
At-fault accident - $1000-$2000	$1661	$282
At-fault accident - greater than $2000	$1688	$282
Open container	$1744	$297
Reckless driving	$2023	$337
Racing	$2043	$347
Driving with a suspended license	$2085	$347
Refusal to submit to a chemical test	$2099	$357
DUI	$2106	$351
Leaving scene of an accident/hit and run	$2127	$362

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 Palos Hills 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 Palos Hills.

The cheapest car insurance premiums in Palos Hills are offered by Mercury at $264 for a six-month policy. However, it can be as expensive as $2981 with companies like Farmers.

Palos Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$264	$44
Travelers	$709	$119
Erie	$820	$138
Progressive	$855	$144
Country Financial	$1078	$181
American Family	$1314	$221
State Farm	$1425	$240
USAA	$1668	$281
Allstate	$2620	$441
Farmers	$2981	$507

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 Palos Hills are offered by Westfield at $222. However, it can be as expensive as $5463 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Palos Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$222	$37
Auto-Owners Insurance Co	$250	$42
Mercury	$271	$46
Erie	$291	$49
Hanover	$333	$56
Country Financial	$702	$118
USAA	$910	$152
State Farm	$1244	$212
Travelers	$1411	$235
Progressive	$1459	$248
American Family	$1619	$273
Allstate	$4643	$790
Farmers	$5463	$910

Car Insurance Price Trends in Palos Hills, Illinois

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

The average cost of full coverage in the Palos Hills rose by $226 in December compared to $223 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Palos Hills rose to $62 in December, compared to $60 in November. This represents an increase of $2 when comparing December and November.

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 Palos Hills?

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

What is the cheapest car insurance in Palos Hills?

The cheapest car insurance in Palos Hills is $89 per month for full coverage.

How much is car insurance in Palos Hills for teenagers?

Car insurance for teenagers costs $222 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 Palos Hills?

The average cost of car insurance is $869 for a six-month policy. It will cost around $170 per month to insure your car in Palos Hills.

Is car insurance expensive in Palos Hills?

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

Cheapest Car Insurance Quotes in Palos Hills

Why you can trust Way?

How Much Is Car Insurance in Palos Hills

Avg. Car Insurance in Palos Hills

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Palos Hills

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Palos Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Palos Hills, IL

Way's key takeaways about car insurance in Palos Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Palos Hills

Cheapest Liability Coverage in Palos Hills, IL

Cheapest Full Coverage Car Insurance in Palos Hills

Cheapest Full Coverage Car Insurance Quotes in Palos Hills, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Palos Hills by Rating Factor

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

Car Insurance Premiums by Age in Palos Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Palos Hills,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Palos Hills.

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 Palos Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Palos Hills

Palos Hills Car Insurance Rates by Violation

Palos Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Palos Hills after a DUI

Palos Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Palos Hills after Speeding ticket

Car Insurance Price Trends in Palos Hills, Illinois

Average Car Insurance Cost in Palos Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Palos Hills, IL

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

Featured Blogs

Data Sources