Cheapest Car Insurance Quotes in Park Ridge

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Park Ridge 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 Park Ridge

The car insurance rate in Park Ridge is $1018 for a six-month policy, which is $140 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 Park Ridge 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 Park Ridge

$1018

Avg. Car Insurance in Illinois

$878

National Average

$1140

Cheapest Car Insurance Companies in Park Ridge

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 Park Ridge.

Park Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Park Ridge, 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, Hanover is the most expensive, with rates reaching $1089 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Park Ridge drivers find the best deals.

Cheap Car Insurance Companies in Park Ridge, 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

Key Takeaways

Way's key takeaways about car insurance in Park Ridge

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

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Cheapest Minimum Liability Car Insurance in Park Ridge

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 Park Ridge are given below.

Mercury provides the cheapest minimum car insurance coverage in Park Ridge. Their Average 6 Month Premium is $173. AAA is the most expensive at $296 for the same period.

Cheapest Liability Coverage in Park Ridge, 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

Cheapest Full Coverage Car Insurance in Park Ridge

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

Cheapest Full Coverage Car Insurance Quotes in Park Ridge, 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

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Average Car Insurance in Park Ridge 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 Park Ridge, IL increasing?

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

Car Insurance Premiums by Age in Park Ridge

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 Park Ridge,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Park Ridge 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 Park Ridge.

As young drivers face the highest rates in Park Ridge, 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 Park Ridge, 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 Park Ridge 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 Park Ridge.

Car Insurance Rates with An Accident in Park Ridge

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

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

The cheapest car insurance companies after an at-fault accident in Park Ridge include AutoOwners Insurance Co and Westfield, offering $289 and $296, respectively. AAA is an expensive provider with an average six-month premium of $490.

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

Park Ridge Car Insurance Rates by Violation

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

Park Ridge 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 Park Ridge 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 Park Ridge.

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

Park Ridge 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 Park Ridge 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 Park Ridge 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 Park Ridge, Illinois

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

The average cost of full coverage in the Park Ridge remained steady at $224 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Park Ridge remained steady at $61 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Park Ridge?

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

What is the cheapest car insurance in Park Ridge?

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

How much is car insurance in Park Ridge 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 Park Ridge?

The average cost of car insurance is $878 for a six-month policy. It will cost around $171 per month to insure your car in Park Ridge.

Is car insurance expensive in Park Ridge?

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

Cheapest Car Insurance Quotes in Park Ridge

Why you can trust Way?

How Much Is Car Insurance in Park Ridge

Avg. Car Insurance in Park Ridge

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Park Ridge

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Park Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Park Ridge, IL

Way's key takeaways about car insurance in Park Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Park Ridge

Cheapest Liability Coverage in Park Ridge, IL

Cheapest Full Coverage Car Insurance in Park Ridge

Cheapest Full Coverage Car Insurance Quotes in Park Ridge, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Park Ridge by Rating Factor

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

Car Insurance Premiums by Age in Park Ridge

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Park Ridge

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

Park Ridge Car Insurance Rates by Violation

Park Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Park Ridge after a DUI

Park Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Park Ridge after Speeding ticket

Car Insurance Price Trends in Park Ridge, Illinois

Average Car Insurance Cost in Park Ridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Park Ridge, IL

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

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