Cheapest Car Insurance Quotes in Prospect Heights

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Prospect Heights 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 Prospect Heights

The car insurance rate in Prospect Heights is $1019 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 $417, 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

$1019

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Prospect Heights

1st place: American Family

At $417 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 $522 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $591 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 American Family, offering policies at just $417 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $522.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1099 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
American Family	$417	$71
Auto-Owners Insurance Co	$522	$87
Westfield	$591	$101
Travelers	$757	$128
Country Financial	$806	$136
Erie	$938	$158
USAA	$1119	$188
Auto-Owners	$1154	$194
Progressive	$1182	$199
State Farm	$1272	$214
Farmers	$1397	$238
Allstate	$2009	$338
Hanover	$1099	$183

Key Takeaways

Way's key takeaways about car insurance in Prospect Heights

The auto insurance costs in Prospect Heights fall around $417 for six months.
The cheapest auto insurance company in Prospect Heights is Mercury.
Teen drivers pay the highest rate in Prospect Heights at $68 per month.

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

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 $174. AAA is the most expensive at $298 for the same period.

Cheapest Liability Coverage in Prospect Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$174	$29
Westfield	$187	$32
Auto-Owners Insurance Co	$222	$37
American Family	$236	$40
Erie	$291	$49
Travelers	$319	$54
Auto-Owners	$326	$55
Country Financial	$326	$55
USAA	$404	$68
State Farm	$431	$73
Progressive	$452	$76
Allstate	$667	$112
Farmers	$869	$147
Hanover	$208	$35
AAA	$298	$50

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 American Family at $71 per month and $417 for six months.

Cheapest Full Coverage Car Insurance Quotes in Prospect Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$417	$71
Auto-Owners Insurance Co	$522	$87
Westfield	$591	$101
Travelers	$757	$128
Country Financial	$806	$136
Erie	$938	$158
USAA	$1119	$188
Auto-Owners	$1154	$194
Progressive	$1182	$199
State Farm	$1272	$214
Farmers	$1397	$238
Allstate	$2009	$338
Hanover	$1099	$183

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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

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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 $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
American Family	$257	$43
Mercury	$257	$43
Auto-Owners Insurance Co	$278	$47
Farmers	$452	$75
Country Financial	$1265	$213
Travelers	$1321	$222
Erie	$1501	$253
USAA	$2279	$384
Auto-Owners	$2489	$424
Progressive	$3503	$590
State Farm	$4330	$729
Allstate	$4726	$796
AAA	$397	$68

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 Prospect Heights, 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 Prospect Heights is Farmers, offering rates of around $3399 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$264	$44
Westfield	$347	$59
American Family	$438	$75
Hanover	$466	$77
Travelers	$834	$140
Country Financial	$938	$158
Progressive	$1161	$195
USAA	$2057	$343
Erie	$2238	$380
Auto-Owners	$3184	$530
Allstate	$3642	$619
State Farm	$5435	$906
Farmers	$3399	$578

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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 American Family and AutoOwners Insurance Co, offering $278 and $291, respectively. AAA is an expensive provider with an average six-month premium of $494.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$278	$47
Auto-Owners Insurance Co	$291	$49
Westfield	$298	$50
Mercury	$383	$66
Farmers	$570	$95
Travelers	$702	$118
Erie	$869	$146
Country Financial	$924	$156
State Farm	$1168	$197
USAA	$1251	$211
Auto-Owners	$1307	$218
Progressive	$1766	$297
Allstate	$3426	$577
AAA	$494	$84

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 $959 for a six month policy. While the rate increases by $257 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	$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

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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 $264 for a six-month policy. However, it can be as expensive as $2981 with companies like Farmers.

Prospect Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$264	$44
American Family	$278	$47
Travelers	$744	$125
Progressive	$896	$151
Erie	$1071	$180
Country Financial	$1244	$209
USAA	$1709	$288
State Farm	$1759	$296
Auto-Owners	$1856	$316
Allstate	$2947	$496
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 Prospect Heights 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 Prospect Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$222	$37
Auto-Owners Insurance Co	$250	$42
Mercury	$271	$46
American Family	$278	$47
Hanover	$333	$56
Erie	$695	$117
Country Financial	$834	$140
Travelers	$1057	$176
Auto-Owners	$1071	$183
State Farm	$1341	$223
USAA	$1480	$252
Progressive	$1515	$253
Allstate	$3155	$537
Farmers	$5463	$910

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 dipped by $198 in January compared to $226 of December. In other words, there has been an decrease by $28 when you compare January and December.

The average cost of liability insurance in the Prospect Heights dipped to $60 in January, compared to $62 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Prospect Heights?

The car insurance in Prospect Heights is $29 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 $71 per month for full coverage.

How much is car insurance in Prospect Heights 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 Prospect Heights?

The average cost of car insurance is $871 for a six-month policy. It will cost around $171 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: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

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 N/A 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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