Cheapest Car Insurance Quotes in Richton Park

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Richton Park Car Insurance

^$ 33

/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 Richton Park

The car insurance rate in Richton Park is $1150 for a six-month policy, which is $279 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $470, making it a popular choice for budget-conscious drivers. Rates in Richton 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 Richton Park

$1150

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Richton Park

1st place: American Family

At $470 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 $589 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $667 for six months, making it the third cheapest auto insurance company in Richton Park.

Richton Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Richton Park, IL is American Family, offering policies at just $470 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $589.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1239 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Richton Park drivers find the best deals.

Cheap Car Insurance Companies in Richton Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$470	$81
Auto-Owners Insurance Co	$589	$98
Westfield	$667	$114
Travelers	$854	$144
Country Financial	$909	$153
Erie	$1059	$178
USAA	$1262	$213
Auto-Owners	$1302	$219
Progressive	$1333	$224
State Farm	$1435	$242
Farmers	$1576	$268
Allstate	$2266	$381
Hanover	$1239	$206

Key Takeaways

Way's key takeaways about car insurance in Richton Park

The auto insurance costs in Richton Park fall around $470 for six months.
The cheapest auto insurance company in Richton Park is Mercury.
Teen drivers pay the highest rate in Richton Park at $77 per month.

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

Cheapest Minimum Liability Car Insurance in Richton 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 Richton Park are given below.

Mercury provides the cheapest minimum car insurance coverage in Richton Park. Their Average 6 Month Premium is $197. AAA is the most expensive at $337 for the same period.

Cheapest Liability Coverage in Richton Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$197	$33
Westfield	$211	$36
Auto-Owners Insurance Co	$251	$42
American Family	$267	$45
Erie	$329	$55
Travelers	$360	$61
Auto-Owners	$368	$62
Country Financial	$368	$62
USAA	$455	$77
State Farm	$486	$82
Progressive	$510	$86
Allstate	$752	$127
Farmers	$981	$166
Hanover	$235	$40
AAA	$337	$57

Cheapest Full Coverage Car Insurance in Richton 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 Richton Park is American Family at $81 per month and $470 for six months.

Cheapest Full Coverage Car Insurance Quotes in Richton Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$470	$81
Auto-Owners Insurance Co	$589	$98
Westfield	$667	$114
Travelers	$854	$144
Country Financial	$909	$153
Erie	$1059	$178
USAA	$1262	$213
Auto-Owners	$1302	$219
Progressive	$1333	$224
State Farm	$1435	$242
Farmers	$1576	$268
Allstate	$2266	$381
Hanover	$1239	$206

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Average Car Insurance in Richton 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 Richton Park, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Richton 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, Richton 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 Richton 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 Richton Park,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Richton Park at $42 per month. At $447 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$251	$42
American Family	$290	$49
Mercury	$290	$49
Auto-Owners Insurance Co	$314	$53
Farmers	$510	$84
Country Financial	$1427	$240
Travelers	$1490	$251
Erie	$1694	$285
USAA	$2571	$433
Auto-Owners	$2808	$478
Progressive	$3952	$665
State Farm	$4885	$822
Allstate	$5331	$898
AAA	$447	$77

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 Richton Park, Mercury is the cheapest car insurance provider. At $298 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 Richton Park is Farmers, offering rates of around $3835 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$298	$50
Westfield	$392	$66
American Family	$494	$84
Hanover	$525	$87
Travelers	$941	$158
Country Financial	$1059	$178
Progressive	$1309	$220
USAA	$2321	$387
Erie	$2525	$429
Auto-Owners	$3592	$598
Allstate	$4109	$698
State Farm	$6131	$1022
Farmers	$3835	$652

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

Car Insurance Rates with An Accident in Richton 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 Richton Park, IL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Richton Park include American Family and AutoOwners Insurance Co, offering $314 and $329, respectively. AAA is an expensive provider with an average six-month premium of $557.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$314	$53
Auto-Owners Insurance Co	$329	$55
Westfield	$337	$57
Mercury	$432	$74
Farmers	$643	$107
Travelers	$792	$133
Erie	$981	$165
Country Financial	$1043	$176
State Farm	$1317	$222
USAA	$1411	$238
Auto-Owners	$1474	$246
Progressive	$1992	$335
Allstate	$3865	$651
AAA	$557	$95

Richton Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Richton Park IL. For example, the car insurance in Richton Park after a DUI increases to $1082 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Richton Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1294	$215
One Med/PIP claim	$1302	$222
Not-at-fault accident	$1373	$228
One comp claim	$1403	$239
Two Med/PIP claims	$1403	$234
Failure to wear a seat belt	$1505	$256
Driving without lights	$1521	$253
Child safety restraint	$1529	$260
Two comp claims	$1529	$255
Failure to show documents	$1552	$264
Speeding 6 - 10 MPH over limit	$1584	$264
Driving with expired registration	$1592	$271
Speeding 11 - 15 MPH over limit	$1624	$271
Driving too slowly	$1632	$277
Failure to yield	$1632	$272
Illegal turn	$1632	$277
At-fault accident - less than $1000	$1646	$275
Failure to stop at a red light	$1646	$280
Following too closely	$1646	$275
Speeding 16 - 20 MPH over limit	$1654	$281
Speeding in school zone	$1654	$276
Improper passing	$1662	$282
Wrong way/wrong lane	$1662	$277
Cell phone violation	$1694	$288
Texting while driving	$1694	$282
Passing school bus	$1709	$290
In 65 MPH zone	$1717	$286
Speeding 21 - 25 MPH over limit	$1733	$294
Operating a vehicle without permission	$1765	$294
At-fault accident - $1000-$2000	$1874	$318
At-fault accident - greater than $2000	$1905	$318
Open container	$1968	$335
Reckless driving	$2282	$380
Racing	$2305	$392
Driving with a suspended license	$2352	$392
Refusal to submit to a chemical test	$2368	$403
DUI	$2376	$396
Leaving scene of an accident/hit and run	$2400	$408

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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 Richton 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 Richton Park.

The cheapest car insurance premiums in Richton Park are offered by Mercury at $298 for a six-month policy. However, it can be as expensive as $3363 with companies like Farmers.

Richton Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$298	$50
American Family	$314	$53
Travelers	$840	$141
Progressive	$1011	$170
Erie	$1208	$203
Country Financial	$1403	$236
USAA	$1929	$325
State Farm	$1984	$334
Auto-Owners	$2094	$356
Allstate	$3325	$560
Farmers	$3363	$572

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 Richton Park are offered by Westfield at $251. However, it can be as expensive as $6163 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Richton Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$251	$42
Auto-Owners Insurance Co	$282	$48
Mercury	$306	$51
American Family	$314	$53
Hanover	$376	$63
Erie	$784	$132
Country Financial	$941	$158
Travelers	$1192	$198
Auto-Owners	$1208	$206
State Farm	$1513	$252
USAA	$1670	$284
Progressive	$1709	$285
Allstate	$3560	$606
Farmers	$6163	$1027

Car Insurance Price Trends in Richton Park, Illinois

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

The average cost of full coverage in the Richton Park dipped by $223 in January compared to $255 of December. In other words, there has been an decrease by $32 when you compare January and December.

The average cost of liability insurance in the Richton Park dipped to $67 in January, compared to $70 in December. This represents an decrease of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Richton Park?

The car insurance in Richton Park is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Richton Park?

The cheapest car insurance in Richton Park is $81 per month for full coverage.

How much is car insurance in Richton Park for teenagers?

Car insurance for teenagers costs $251 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 Richton Park?

The average cost of car insurance is $871 for a six-month policy. It will cost around $193 per month to insure your car in Richton Park.

Is car insurance expensive in Richton Park?

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

Cheapest Car Insurance Quotes in Richton Park

Why you can trust Way?

How Much Is Car Insurance in Richton Park

Avg. Car Insurance in Richton Park

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Richton Park

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Richton Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Richton Park, IL

Way's key takeaways about car insurance in Richton Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Richton Park

Cheapest Liability Coverage in Richton Park, IL

Cheapest Full Coverage Car Insurance in Richton Park

Cheapest Full Coverage Car Insurance Quotes in Richton Park, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Richton Park by Rating Factor

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

Car Insurance Premiums by Age in Richton Park

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties N/A is the best choice for car insurance in Richton 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 Richton Park

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

Richton Park Car Insurance Rates by Violation

Richton Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Richton Park after a DUI

Richton Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Richton Park after Speeding ticket

Car Insurance Price Trends in Richton Park, Illinois

Average Car Insurance Cost in Richton Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Richton Park, IL

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

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