Cheapest Car Insurance Quotes in Palos Park

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Palos Park 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 Palos Park

The car insurance rate in Palos Park is $1065 for a six-month policy, which is $199 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $438, 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

$1065

Avg. Car Insurance in Illinois

$866

National Average

$1278

Cheapest Car Insurance Companies in Palos Park

1st place: American Family

At $438 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 $549 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $621 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 American Family, offering policies at just $438 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $549.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2112 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
American Family	$438	$75
Auto-Owners Insurance Co	$549	$91
Westfield	$621	$106
Travelers	$796	$134
Country Financial	$847	$143
Erie	$986	$166
USAA	$1176	$198
Auto-Owners	$1213	$204
Progressive	$1242	$209
State Farm	$1337	$225
Farmers	$1469	$250
Allstate	$2112	$355

Key Takeaways

Way's key takeaways about car insurance in Palos Park

The auto insurance costs in Palos Park fall around $438 for six months.
The cheapest auto insurance company in Palos Park is Mercury.
Teen drivers pay the highest rate in Palos Park at $836 per month.

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

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 $183. Farmers is the most expensive at $914 for the same period.

Cheapest Liability Coverage in Palos Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$183	$31
Westfield	$197	$33
Auto-Owners Insurance Co	$234	$39
American Family	$248	$42
Erie	$306	$52
Travelers	$336	$57
Auto-Owners	$343	$58
Country Financial	$343	$58
USAA	$424	$71
State Farm	$453	$76
Progressive	$475	$80
Allstate	$701	$118
Farmers	$914	$155

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 American Family at $75 per month and $438 for six months.

Cheapest Full Coverage Car Insurance Quotes in Palos Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$438	$75
Auto-Owners Insurance Co	$549	$91
Westfield	$621	$106
Travelers	$796	$134
Country Financial	$847	$143
Erie	$986	$166
USAA	$1176	$198
Auto-Owners	$1213	$204
Progressive	$1242	$209
State Farm	$1337	$225
Farmers	$1469	$250
Allstate	$2112	$355

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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

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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 $39 per month. At $4968 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$234	$39
American Family	$271	$46
Mercury	$271	$46
Auto-Owners Insurance Co	$293	$49
Farmers	$475	$79
Country Financial	$1330	$224
Travelers	$1389	$234
Erie	$1578	$266
USAA	$2396	$403
Auto-Owners	$2616	$445
Progressive	$3683	$620
State Farm	$4552	$766
Allstate	$4968	$836

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 Palos Park, Mercury is the cheapest car insurance provider. At $278 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 Farmers, offering rates of around $3573 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$278	$47
Westfield	$365	$62
American Family	$460	$79
Hanover	$490	$81
Travelers	$877	$148
Country Financial	$986	$166
Progressive	$1220	$205
USAA	$2162	$360
Erie	$2353	$400
Auto-Owners	$3347	$557
Allstate	$3829	$651
State Farm	$5713	$952
Farmers	$3573	$608

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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 American Family and AutoOwners Insurance Co, offering $293 and $306, respectively. Allstate is an expensive provider with an average six-month premium of $3601.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$293	$49
Auto-Owners Insurance Co	$306	$52
Westfield	$314	$53
Mercury	$402	$69
Farmers	$599	$100
Travelers	$738	$124
Erie	$914	$154
Country Financial	$972	$164
State Farm	$1228	$207
USAA	$1315	$221
Auto-Owners	$1374	$229
Progressive	$1856	$312
Allstate	$3601	$606

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 $1009 for a six month policy. While the rate increases by $271 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	$1205	$200
One Med/PIP claim	$1213	$207
Not-at-fault accident	$1279	$213
One comp claim	$1307	$223
Two Med/PIP claims	$1307	$218
Failure to wear a seat belt	$1402	$239
Driving without lights	$1417	$236
Child safety restraint	$1424	$242
Two comp claims	$1424	$237
Failure to show documents	$1446	$246
Speeding 6 - 10 MPH over limit	$1476	$246
Driving with expired registration	$1483	$252
Speeding 11 - 15 MPH over limit	$1513	$252
Driving too slowly	$1520	$258
Failure to yield	$1520	$253
Illegal turn	$1520	$258
At-fault accident - less than $1000	$1534	$256
Failure to stop at a red light	$1534	$261
Following too closely	$1534	$256
Speeding 16 - 20 MPH over limit	$1541	$262
Speeding in school zone	$1541	$257
Improper passing	$1549	$263
Wrong way/wrong lane	$1549	$258
Cell phone violation	$1578	$268
Texting while driving	$1578	$263
Passing school bus	$1593	$271
In 65 MPH zone	$1600	$267
Speeding 21 - 25 MPH over limit	$1615	$274
Operating a vehicle without permission	$1645	$274
At-fault accident - $1000-$2000	$1747	$296
At-fault accident - greater than $2000	$1775	$296
Open container	$1834	$312
Reckless driving	$2127	$354
Racing	$2148	$365
Driving with a suspended license	$2192	$365
Refusal to submit to a chemical test	$2207	$375
DUI	$2214	$369
Leaving scene of an accident/hit and run	$2236	$380

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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 $278 for a six-month policy. However, it can be as expensive as $3134 with companies like Farmers.

Palos Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$278	$47
American Family	$293	$49
Travelers	$782	$132
Progressive	$942	$159
Erie	$1125	$189
Country Financial	$1307	$220
USAA	$1797	$303
State Farm	$1849	$311
Auto-Owners	$1951	$332
Allstate	$3098	$522
Farmers	$3134	$533

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 $234. However, it can be as expensive as $5743 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	$234	$39
Auto-Owners Insurance Co	$263	$44
Mercury	$285	$48
American Family	$293	$49
Hanover	$351	$59
Erie	$731	$123
Country Financial	$877	$148
Travelers	$1111	$185
Auto-Owners	$1125	$192
State Farm	$1410	$235
USAA	$1556	$264
Progressive	$1593	$266
Allstate	$3317	$565
Farmers	$5743	$957

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 remained steady at $208 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Palos Park remained steady at $63 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Palos Park?

The car insurance in Palos Park is $31 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 $75 per month for full coverage.

How much is car insurance in Palos Park for teenagers?

Car insurance for teenagers costs $234 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 $866 for a six-month policy. It will cost around $180 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: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

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 N/A 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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