Cheapest Car Insurance Quotes in Palos Park

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Palos Park 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 Park

The car insurance rate in Palos Park is $1008 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 $517, making it a popular choice for budget-conscious drivers. Rates in Palos Park 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 Park

$1008

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Palos Park

1st place: AutoOwners Insurance Co

At $517 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 $586 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 $614 for six months, making it the third cheapest auto insurance company in Palos Park.

Palos Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Palos Park, IL is AutoOwners Insurance Co, offering policies at just $517 for a six-month term. This is followed by Westfield, which has an average six-month premium of $586.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $937 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Palos Park drivers find the best deals.

Cheap Car Insurance Companies in Palos Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$517	$88
Westfield	$586	$97
Country Financial	$614	$103
Travelers	$731	$123
American Family	$848	$143
Erie	$889	$148
USAA	$1047	$176
State Farm	$1054	$177
Progressive	$1158	$195
Auto-Owners	$1219	$203
Allstate	$1750	$295
Farmers	$1750	$295
Hanover	$1089	$181
Mercury	$930	$155
Hastings Mutual	$937	$159

Key Takeaways

Way's key takeaways about car insurance in Palos Park

The auto insurance costs in Palos Park fall around $517 for six months.
The cheapest auto insurance company in Palos Park is Mercury.
Teen drivers pay the highest rate in Palos Park at $67 per month.

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Cheapest Minimum Liability Car Insurance in Palos Park

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 Park are given below.

Mercury provides the cheapest minimum car insurance coverage in Palos Park. Their Average 6 Month Premium is $173. First Chicago is the most expensive at $227 for the same period.

Cheapest Liability Coverage in Palos Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$173	$29
Westfield	$186	$31
Auto-Owners Insurance Co	$220	$37
Country Financial	$234	$39
Erie	$289	$49
Auto-Owners	$317	$53
Travelers	$317	$53
American Family	$365	$61
State Farm	$365	$61
USAA	$386	$65
Progressive	$448	$75
Allstate	$703	$118
Farmers	$862	$146
Hanover	$206	$35
AAA	$296	$50
First Chicago	$227	$38

Cheapest Full Coverage Car Insurance in Palos Park

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 Park is AutoOwners Insurance Co at $88 per month and $517 for six months.

Cheapest Full Coverage Car Insurance Quotes in Palos Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$517	$88
Westfield	$586	$97
Country Financial	$614	$103
Travelers	$731	$123
American Family	$848	$143
Erie	$889	$148
USAA	$1047	$176
State Farm	$1054	$177
Progressive	$1158	$195
Auto-Owners	$1219	$203
Allstate	$1750	$295
Farmers	$1750	$295
Hanover	$1089	$181
Mercury	$930	$155
Hastings Mutual	$937	$159

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Average Car Insurance in Palos Park 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 Park, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Palos Park, 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 Park'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 Park

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	$820
30s	Auto-Owners	$567
40s	Auto-Owners	$557
50s	Auto-Owners	$525
60s	Auto-Owners	$552
70s	Auto-Owners	$701

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Palos Park 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
Mercury	$255	$43
Auto-Owners Insurance Co	$276	$46
Country Financial	$937	$158
Erie	$1151	$194
Travelers	$1219	$205
USAA	$2123	$357
American Family	$2543	$428
State Farm	$3659	$616
Progressive	$3666	$617
Allstate	$4258	$717
Farmers	$4334	$730
AAA	$393	$67

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 Park.

As young drivers face the highest rates in Palos Park, AutoOwners offers the cheapest auto insurance rates at $820 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 Park, 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 Palos Park is State Farm, offering rates of around $3604 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$262	$44
Westfield	$345	$59
Hanover	$462	$77
Country Financial	$689	$116
Travelers	$764	$129
Progressive	$1095	$184
American Family	$1343	$226
USAA	$1784	$304
Allstate	$2929	$488
Farmers	$3370	$573
State Farm	$3604	$601

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

Car Insurance Rates with An Accident in Palos Park

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

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

The cheapest car insurance companies after an at-fault accident in Palos Park include AutoOwners Insurance Co and Westfield, offering $289 and $296, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $345.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$289	$49
Westfield	$296	$50
Mercury	$379	$63
Travelers	$661	$111
Erie	$668	$113
Country Financial	$675	$114
State Farm	$999	$168
USAA	$1027	$173
American Family	$1151	$194
Progressive	$1661	$280
Farmers	$1833	$309
Allstate	$3039	$512
AAA	$490	$84
First Chicago	$317	$53
Hastings Mutual	$345	$59

Palos Park Car Insurance Rates by Violation

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

Palos Park 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 Palos Park 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 Park.

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

Palos Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$262	$44
Travelers	$703	$118
Erie	$813	$137
Progressive	$848	$143
Country Financial	$1068	$180
American Family	$1303	$219
State Farm	$1413	$238
USAA	$1654	$278
Allstate	$2597	$437
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 Palos Park 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 Palos Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$220	$37
Auto-Owners Insurance Co	$248	$42
Mercury	$269	$45
Erie	$289	$49
Hanover	$331	$56
Country Financial	$696	$117
USAA	$902	$151
State Farm	$1233	$210
Travelers	$1399	$233
Progressive	$1447	$246
American Family	$1605	$270
Allstate	$4603	$783
Farmers	$5416	$902

Car Insurance Price Trends in Palos Park, Illinois

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

The average cost of full coverage in the Palos Park rose by $224 in December compared to $222 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 Palos Park rose to $61 in December, compared to $59 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 Palos Park?

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

What is the cheapest car insurance in Palos Park?

The cheapest car insurance in Palos Park is $88 per month for full coverage.

How much is car insurance in Palos Park 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 Palos Park?

The average cost of car insurance is $869 for a six-month policy. It will cost around $168 per month to insure your car in Palos Park.

Is car insurance expensive in Palos Park?

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

Cheapest Car Insurance Quotes in Palos Park

Why you can trust Way?

How Much Is Car Insurance in Palos Park

Avg. Car Insurance in Palos Park

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Palos Park

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Palos Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Palos Park, IL

Way's key takeaways about car insurance in Palos Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Palos Park

Cheapest Liability Coverage in Palos Park, IL

Cheapest Full Coverage Car Insurance in Palos Park

Cheapest Full Coverage Car Insurance Quotes in Palos Park, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Palos Park by Rating Factor

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

Car Insurance Premiums by Age in Palos Park

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Park

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

Palos Park Car Insurance Rates by Violation

Palos Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Palos Park after a DUI

Palos Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Palos Park after Speeding ticket

Car Insurance Price Trends in Palos Park, Illinois

Average Car Insurance Cost in Palos Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Palos Park, IL

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

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