Cheapest Car Insurance Quotes in Prospect Heights

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Prospect Heights Car Insurance

^$ 28

/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 Prospect Heights

The car insurance rate in Prospect Heights is $965 for a six-month policy, which is $96 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $495, making it a popular choice for budget-conscious drivers. Rates in Prospect Heights 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 Prospect Heights

$965

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Prospect Heights

1st place: AutoOwners Insurance Co

At $495 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 $561 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 $587 for six months, making it the third cheapest auto insurance company in Prospect Heights.

Prospect Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Prospect Heights, IL is AutoOwners Insurance Co, offering policies at just $495 for a six-month term. This is followed by Westfield, which has an average six-month premium of $561.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $897 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Prospect Heights drivers find the best deals.

Cheap Car Insurance Companies in Prospect Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$495	$84
Westfield	$561	$93
Country Financial	$587	$99
Travelers	$699	$118
American Family	$811	$137
Erie	$850	$142
USAA	$1002	$169
State Farm	$1009	$170
Progressive	$1108	$186
Auto-Owners	$1167	$194
Allstate	$1675	$282
Farmers	$1675	$282
Hanover	$1042	$173
Mercury	$890	$149
Hastings Mutual	$897	$152

Key Takeaways

Way's key takeaways about car insurance in Prospect Heights

The auto insurance costs in Prospect Heights fall around $495 for six months.
The cheapest auto insurance company in Prospect Heights is Mercury.
Teen drivers pay the highest rate in Prospect Heights at $64 per month.

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Cheapest Minimum Liability Car Insurance in Prospect Heights

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 Prospect Heights are given below.

Mercury provides the cheapest minimum car insurance coverage in Prospect Heights. Their Average 6 Month Premium is $165. First Chicago is the most expensive at $218 for the same period.

Cheapest Liability Coverage in Prospect Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$165	$28
Westfield	$178	$30
Auto-Owners Insurance Co	$211	$36
Country Financial	$224	$38
Erie	$276	$47
Auto-Owners	$303	$51
Travelers	$303	$51
American Family	$350	$59
State Farm	$350	$59
USAA	$370	$62
Progressive	$428	$72
Allstate	$673	$113
Farmers	$825	$140
Hanover	$198	$33
AAA	$283	$48
First Chicago	$218	$37

Cheapest Full Coverage Car Insurance in Prospect Heights

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 Prospect Heights is AutoOwners Insurance Co at $84 per month and $495 for six months.

Cheapest Full Coverage Car Insurance Quotes in Prospect Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$495	$84
Westfield	$561	$93
Country Financial	$587	$99
Travelers	$699	$118
American Family	$811	$137
Erie	$850	$142
USAA	$1002	$169
State Farm	$1009	$170
Progressive	$1108	$186
Auto-Owners	$1167	$194
Allstate	$1675	$282
Farmers	$1675	$282
Hanover	$1042	$173
Mercury	$890	$149
Hastings Mutual	$897	$152

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Average Car Insurance in Prospect Heights 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 Prospect Heights, IL increasing?

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

Car Insurance Premiums by Age in Prospect Heights

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	$785
30s	Auto-Owners	$543
40s	Auto-Owners	$533
50s	Auto-Owners	$503
60s	Auto-Owners	$528
70s	Auto-Owners	$670

Cheapest Car Insurance Rates for Teen Drivers in Prospect Heights,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Prospect Heights at $36 per month. At $376 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$211	$36
Mercury	$244	$41
Auto-Owners Insurance Co	$264	$44
Country Financial	$897	$151
Erie	$1101	$185
Travelers	$1167	$196
USAA	$2031	$342
American Family	$2433	$410
State Farm	$3501	$589
Progressive	$3508	$591
Allstate	$4075	$686
Farmers	$4147	$698
AAA	$376	$64

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 Prospect Heights.

As young drivers face the highest rates in Prospect Heights, AutoOwners offers the cheapest auto insurance rates at $785 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 Prospect Heights, Mercury is the cheapest car insurance provider. At $251 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 Prospect Heights is State Farm, offering rates of around $3449 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$251	$42
Westfield	$330	$57
Hanover	$442	$73
Country Financial	$659	$111
Travelers	$731	$123
Progressive	$1048	$176
American Family	$1285	$216
USAA	$1707	$291
Allstate	$2803	$467
Farmers	$3225	$548
State Farm	$3449	$575

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Save up to $971/yr on car insurance rates in Prospect Heights.

Car Insurance Rates with An Accident in Prospect Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Prospect Heights

The cheapest car insurance companies after an at-fault accident in Prospect Heights include AutoOwners Insurance Co and Westfield, offering $276 and $283, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $330.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$276	$47
Westfield	$283	$48
Mercury	$363	$60
Travelers	$633	$107
Erie	$639	$108
Country Financial	$646	$109
State Farm	$956	$161
USAA	$982	$165
American Family	$1101	$185
Progressive	$1590	$268
Farmers	$1754	$295
Allstate	$2908	$490
AAA	$468	$80
First Chicago	$303	$51
Hastings Mutual	$330	$57

Prospect Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Prospect Heights IL. For example, the car insurance in Prospect Heights after a DUI increases to $910 for a six month policy. While the rate increases by $244 for a six-month policy in the case of a speeding ticket.

Prospect Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1088	$181
One Med/PIP claim	$1094	$186
Not-at-fault accident	$1154	$192
One comp claim	$1180	$201
Two Med/PIP claims	$1180	$196
Failure to wear a seat belt	$1265	$215
Driving without lights	$1279	$213
Child safety restraint	$1285	$219
Two comp claims	$1285	$214
Failure to show documents	$1305	$222
Speeding 6 - 10 MPH over limit	$1332	$222
Driving with expired registration	$1339	$228
Speeding 11 - 15 MPH over limit	$1365	$228
Driving too slowly	$1372	$233
Failure to yield	$1372	$229
Illegal turn	$1372	$233
At-fault accident - less than $1000	$1384	$231
Failure to stop at a red light	$1384	$235
Following too closely	$1384	$231
Speeding 16 - 20 MPH over limit	$1391	$236
Speeding in school zone	$1391	$232
Improper passing	$1397	$238
Wrong way/wrong lane	$1397	$233
Cell phone violation	$1424	$242
Texting while driving	$1424	$238
Passing school bus	$1437	$244
In 65 MPH zone	$1444	$241
Speeding 21 - 25 MPH over limit	$1457	$248
Operating a vehicle without permission	$1484	$248
At-fault accident - $1000-$2000	$1576	$268
At-fault accident - greater than $2000	$1602	$268
Open container	$1655	$282
Reckless driving	$1919	$320
Racing	$1938	$330
Driving with a suspended license	$1978	$330
Refusal to submit to a chemical test	$1991	$339
DUI	$1998	$333
Leaving scene of an accident/hit and run	$2018	$343

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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 Prospect Heights 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 Prospect Heights.

The cheapest car insurance premiums in Prospect Heights are offered by Mercury at $251 for a six-month policy. However, it can be as expensive as $2828 with companies like Farmers.

Prospect Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$251	$42
Travelers	$673	$113
Erie	$778	$131
Progressive	$811	$137
Country Financial	$1022	$172
American Family	$1247	$210
State Farm	$1352	$228
USAA	$1583	$266
Allstate	$2485	$418
Farmers	$2828	$481

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 Prospect Heights are offered by Westfield at $211. However, it can be as expensive as $5183 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Prospect Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$211	$36
Auto-Owners Insurance Co	$238	$40
Mercury	$258	$43
Erie	$276	$47
Hanover	$316	$53
Country Financial	$666	$112
USAA	$864	$144
State Farm	$1180	$201
Travelers	$1339	$223
Progressive	$1384	$235
American Family	$1536	$259
Allstate	$4404	$749
Farmers	$5183	$864

Car Insurance Price Trends in Prospect Heights, Illinois

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

The average cost of full coverage in the Prospect Heights rose by $214 in December compared to $212 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 Prospect Heights rose to $59 in December, compared to $57 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 Prospect Heights?

The car insurance in Prospect Heights is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Prospect Heights?

The cheapest car insurance in Prospect Heights is $84 per month for full coverage.

How much is car insurance in Prospect Heights for teenagers?

Car insurance for teenagers costs $211 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 Prospect Heights?

The average cost of car insurance is $869 for a six-month policy. It will cost around $161 per month to insure your car in Prospect Heights.

Is car insurance expensive in Prospect Heights?

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

Cheapest Car Insurance Quotes in Prospect Heights

Why you can trust Way?

How Much Is Car Insurance in Prospect Heights

Avg. Car Insurance in Prospect Heights

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Prospect Heights

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Prospect Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Prospect Heights, IL

Way's key takeaways about car insurance in Prospect Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Prospect Heights

Cheapest Liability Coverage in Prospect Heights, IL

Cheapest Full Coverage Car Insurance in Prospect Heights

Cheapest Full Coverage Car Insurance Quotes in Prospect Heights, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Prospect Heights by Rating Factor

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

Car Insurance Premiums by Age in Prospect Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Prospect Heights,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Prospect Heights.

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 Prospect Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Prospect Heights

Prospect Heights Car Insurance Rates by Violation

Prospect Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Prospect Heights after a DUI

Prospect Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Prospect Heights after Speeding ticket

Car Insurance Price Trends in Prospect Heights, Illinois

Average Car Insurance Cost in Prospect Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Prospect Heights, IL

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

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