Cheapest Car Insurance Quotes in Riverdale

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Riverdale Car Insurance

^$ 39

/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 Riverdale

The car insurance rate in Riverdale is $1342 for a six-month policy, which is $476 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $552, making it a popular choice for budget-conscious drivers. Rates in Riverdale 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 Riverdale

$1342

Avg. Car Insurance in Illinois

$866

National Average

$1278

Cheapest Car Insurance Companies in Riverdale

1st place: American Family

At $552 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 $691 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $783 for six months, making it the third cheapest auto insurance company in Riverdale.

Riverdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Riverdale, IL is American Family, offering policies at just $552 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $691.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2661 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Riverdale drivers find the best deals.

Cheap Car Insurance Companies in Riverdale, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$552	$95
Auto-Owners Insurance Co	$691	$115
Westfield	$783	$133
Travelers	$1003	$169
Country Financial	$1068	$180
Erie	$1243	$209
USAA	$1482	$250
Auto-Owners	$1528	$257
Progressive	$1566	$264
State Farm	$1685	$284
Farmers	$1851	$315
Allstate	$2661	$448

Key Takeaways

Way's key takeaways about car insurance in Riverdale

The auto insurance costs in Riverdale fall around $552 for six months.
The cheapest auto insurance company in Riverdale is Mercury.
Teen drivers pay the highest rate in Riverdale at $1054 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Riverdale

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 Riverdale are given below.

Mercury provides the cheapest minimum car insurance coverage in Riverdale. Their Average 6 Month Premium is $231. Farmers is the most expensive at $1152 for the same period.

Cheapest Liability Coverage in Riverdale, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$231	$39
Westfield	$248	$42
Auto-Owners Insurance Co	$295	$50
American Family	$313	$53
Erie	$386	$65
Travelers	$423	$71
Auto-Owners	$432	$73
Country Financial	$432	$73
USAA	$535	$90
State Farm	$570	$96
Progressive	$598	$101
Allstate	$884	$149
Farmers	$1152	$195

Cheapest Full Coverage Car Insurance in Riverdale

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 Riverdale is American Family at $95 per month and $552 for six months.

Cheapest Full Coverage Car Insurance Quotes in Riverdale, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$552	$95
Auto-Owners Insurance Co	$691	$115
Westfield	$783	$133
Travelers	$1003	$169
Country Financial	$1068	$180
Erie	$1243	$209
USAA	$1482	$250
Auto-Owners	$1528	$257
Progressive	$1566	$264
State Farm	$1685	$284
Farmers	$1851	$315
Allstate	$2661	$448

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Average Car Insurance in Riverdale 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 Riverdale, IL increasing?

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

Car Insurance Premiums by Age in Riverdale

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 Riverdale,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Riverdale at $50 per month. At $6260 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$295	$50
American Family	$341	$57
Mercury	$341	$57
Auto-Owners Insurance Co	$369	$62
Farmers	$598	$99
Country Financial	$1676	$282
Travelers	$1750	$295
Erie	$1989	$335
USAA	$3019	$508
Auto-Owners	$3297	$561
Progressive	$4641	$781
State Farm	$5737	$966
Allstate	$6260	$1054

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 Riverdale, Mercury is the cheapest car insurance provider. At $350 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 Riverdale is Farmers, offering rates of around $4503 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$350	$59
Westfield	$460	$78
American Family	$580	$99
Hanover	$617	$102
Travelers	$1105	$186
Country Financial	$1243	$209
Progressive	$1538	$259
USAA	$2725	$454
Erie	$2965	$504
Auto-Owners	$4218	$702
Allstate	$4825	$820
State Farm	$7200	$1200
Farmers	$4503	$766

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

Car Insurance Rates with An Accident in Riverdale

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

Cheapest Car Insurance Companies after an At-Fault Accident in Riverdale

The cheapest car insurance companies after an at-fault accident in Riverdale include American Family and AutoOwners Insurance Co, offering $369 and $386, respectively. Allstate is an expensive provider with an average six-month premium of $4538.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$369	$62
Auto-Owners Insurance Co	$386	$65
Westfield	$395	$67
Mercury	$507	$87
Farmers	$755	$126
Travelers	$930	$157
Erie	$1152	$194
Country Financial	$1225	$206
State Farm	$1547	$260
USAA	$1657	$279
Auto-Owners	$1731	$288
Progressive	$2339	$394
Allstate	$4538	$764

Riverdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Riverdale IL. For example, the car insurance in Riverdale after a DUI increases to $1271 for a six month policy. While the rate increases by $341 for a six-month policy in the case of a speeding ticket.

Riverdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1519	$253
One Med/PIP claim	$1528	$260
Not-at-fault accident	$1612	$268
One comp claim	$1648	$281
Two Med/PIP claims	$1648	$274
Failure to wear a seat belt	$1767	$301
Driving without lights	$1786	$298
Child safety restraint	$1795	$305
Two comp claims	$1795	$299
Failure to show documents	$1823	$310
Speeding 6 - 10 MPH over limit	$1860	$310
Driving with expired registration	$1869	$318
Speeding 11 - 15 MPH over limit	$1907	$318
Driving too slowly	$1916	$326
Failure to yield	$1916	$319
Illegal turn	$1916	$326
At-fault accident - less than $1000	$1933	$322
Failure to stop at a red light	$1933	$329
Following too closely	$1933	$322
Speeding 16 - 20 MPH over limit	$1942	$330
Speeding in school zone	$1942	$324
Improper passing	$1951	$332
Wrong way/wrong lane	$1951	$326
Cell phone violation	$1989	$338
Texting while driving	$1989	$332
Passing school bus	$2007	$341
In 65 MPH zone	$2017	$336
Speeding 21 - 25 MPH over limit	$2035	$346
Operating a vehicle without permission	$2072	$346
At-fault accident - $1000-$2000	$2201	$374
At-fault accident - greater than $2000	$2237	$374
Open container	$2311	$394
Reckless driving	$2680	$446
Racing	$2706	$460
Driving with a suspended license	$2762	$460
Refusal to submit to a chemical test	$2781	$473
DUI	$2790	$465
Leaving scene of an accident/hit and run	$2818	$479

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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 Riverdale 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 Riverdale.

The cheapest car insurance premiums in Riverdale are offered by Mercury at $350 for a six-month policy. However, it can be as expensive as $3949 with companies like Farmers.

Riverdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$350	$59
American Family	$369	$62
Travelers	$986	$166
Progressive	$1187	$200
Erie	$1418	$239
Country Financial	$1648	$277
USAA	$2265	$381
State Farm	$2330	$392
Auto-Owners	$2458	$419
Allstate	$3904	$657
Farmers	$3949	$671

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 Riverdale are offered by Westfield at $295. However, it can be as expensive as $7237 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Riverdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$295	$50
Auto-Owners Insurance Co	$332	$56
Mercury	$360	$60
American Family	$369	$62
Hanover	$442	$74
Erie	$921	$155
Country Financial	$1105	$186
Travelers	$1400	$233
Auto-Owners	$1418	$242
State Farm	$1776	$296
USAA	$1961	$333
Progressive	$2007	$335
Allstate	$4180	$711
Farmers	$7237	$1206

Car Insurance Price Trends in Riverdale, Illinois

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

The average cost of full coverage in the Riverdale remained steady at $262 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Riverdale remained steady at $79 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 Riverdale?

The car insurance in Riverdale is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Riverdale?

The cheapest car insurance in Riverdale is $95 per month for full coverage.

How much is car insurance in Riverdale for teenagers?

Car insurance for teenagers costs $295 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 Riverdale?

The average cost of car insurance is $866 for a six-month policy. It will cost around $226 per month to insure your car in Riverdale.

Is car insurance expensive in Riverdale?

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

Cheapest Car Insurance Quotes in Riverdale

Why you can trust Way?

How Much Is Car Insurance in Riverdale

Avg. Car Insurance in Riverdale

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Riverdale

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Riverdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Riverdale, IL

Way's key takeaways about car insurance in Riverdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Riverdale

Cheapest Liability Coverage in Riverdale, IL

Cheapest Full Coverage Car Insurance in Riverdale

Cheapest Full Coverage Car Insurance Quotes in Riverdale, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Riverdale by Rating Factor

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

Car Insurance Premiums by Age in Riverdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Riverdale,IL

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

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 Riverdale

Cheapest Car Insurance Companies after an At-Fault Accident in Riverdale

Riverdale Car Insurance Rates by Violation

Riverdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Riverdale after a DUI

Riverdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Riverdale after Speeding ticket

Car Insurance Price Trends in Riverdale, Illinois

Average Car Insurance Cost in Riverdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Riverdale, IL

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

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