Cheapest Car Insurance Quotes in Riverdale

Finding the cheapest car insurance quotes in Riverdale shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Riverdale Car Insurance

^$ 37

/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 $1269 for a six-month policy, which is $400 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $651, 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

$1269

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Riverdale

1st place: AutoOwners Insurance Co

At $651 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 $737 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 $772 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 AutoOwners Insurance Co, offering policies at just $651 for a six-month term. This is followed by Westfield, which has an average six-month premium of $737.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1180 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
Auto-Owners Insurance Co	$651	$111
Westfield	$737	$123
Country Financial	$772	$130
Travelers	$920	$155
American Family	$1067	$180
Erie	$1118	$187
USAA	$1318	$222
State Farm	$1327	$223
Progressive	$1457	$245
Auto-Owners	$1534	$256
Allstate	$2203	$371
Farmers	$2203	$371
Hanover	$1371	$228
Mercury	$1171	$196
Hastings Mutual	$1180	$200

Key Takeaways

Way's key takeaways about car insurance in Riverdale

The auto insurance costs in Riverdale fall around $651 for six months.
The cheapest auto insurance company in Riverdale is Mercury.
Teen drivers pay the highest rate in Riverdale at $85 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 $218. First Chicago is the most expensive at $286 for the same period.

Cheapest Liability Coverage in Riverdale, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$218	$37
Westfield	$234	$39
Auto-Owners Insurance Co	$277	$47
Country Financial	$295	$50
Erie	$364	$61
Auto-Owners	$399	$67
Travelers	$399	$67
American Family	$460	$77
State Farm	$460	$77
USAA	$486	$82
Progressive	$564	$95
Allstate	$885	$149
Farmers	$1085	$184
Hanover	$260	$44
AAA	$372	$63
First Chicago	$286	$48

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 AutoOwners Insurance Co at $111 per month and $651 for six months.

Cheapest Full Coverage Car Insurance Quotes in Riverdale, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$651	$111
Westfield	$737	$123
Country Financial	$772	$130
Travelers	$920	$155
American Family	$1067	$180
Erie	$1118	$187
USAA	$1318	$222
State Farm	$1327	$223
Progressive	$1457	$245
Auto-Owners	$1534	$256
Allstate	$2203	$371
Farmers	$2203	$371
Hanover	$1371	$228
Mercury	$1171	$196
Hastings Mutual	$1180	$200

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Riverdale Instantly!

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$1032
30s	Auto-Owners	$714
40s	Auto-Owners	$701
50s	Auto-Owners	$661
60s	Auto-Owners	$695
70s	Auto-Owners	$882

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 $47 per month. At $495 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$277	$47
Mercury	$321	$54
Auto-Owners Insurance Co	$347	$58
Country Financial	$1180	$199
Erie	$1448	$244
Travelers	$1534	$258
USAA	$2672	$450
American Family	$3200	$539
State Farm	$4605	$775
Progressive	$4614	$777
Allstate	$5360	$902
Farmers	$5455	$918
AAA	$495	$85

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 Riverdale.

As young drivers face the highest rates in Riverdale, AutoOwners offers the cheapest auto insurance rates at $1032 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 Riverdale, Mercury is the cheapest car insurance provider. At $330 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 State Farm, offering rates of around $4536 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$330	$55
Westfield	$434	$74
Hanover	$581	$96
Country Financial	$867	$146
Travelers	$962	$162
Progressive	$1378	$232
American Family	$1691	$285
USAA	$2245	$383
Allstate	$3687	$615
Farmers	$4241	$721
State Farm	$4536	$756

Escape the Trap of Rising Insurance Costs.

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 AutoOwners Insurance Co and Westfield, offering $364 and $372, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $434.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$364	$61
Westfield	$372	$63
Mercury	$477	$79
Travelers	$832	$140
Erie	$841	$142
Country Financial	$850	$143
State Farm	$1257	$212
USAA	$1292	$218
American Family	$1448	$244
Progressive	$2091	$352
Farmers	$2307	$388
Allstate	$3825	$644
AAA	$616	$105
First Chicago	$399	$67
Hastings Mutual	$434	$74

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 $1197 for a six month policy. While the rate increases by $321 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	$1431	$238
One Med/PIP claim	$1440	$245
Not-at-fault accident	$1518	$253
One comp claim	$1552	$264
Two Med/PIP claims	$1552	$258
Failure to wear a seat belt	$1664	$283
Driving without lights	$1682	$280
Child safety restraint	$1691	$288
Two comp claims	$1691	$282
Failure to show documents	$1717	$292
Speeding 6 - 10 MPH over limit	$1752	$292
Driving with expired registration	$1761	$299
Speeding 11 - 15 MPH over limit	$1796	$299
Driving too slowly	$1805	$307
Failure to yield	$1805	$301
Illegal turn	$1805	$307
At-fault accident - less than $1000	$1821	$304
Failure to stop at a red light	$1821	$310
Following too closely	$1821	$304
Speeding 16 - 20 MPH over limit	$1829	$311
Speeding in school zone	$1829	$305
Improper passing	$1838	$312
Wrong way/wrong lane	$1838	$307
Cell phone violation	$1873	$318
Texting while driving	$1873	$312
Passing school bus	$1891	$321
In 65 MPH zone	$1899	$317
Speeding 21 - 25 MPH over limit	$1917	$326
Operating a vehicle without permission	$1952	$326
At-fault accident - $1000-$2000	$2073	$352
At-fault accident - greater than $2000	$2107	$352
Open container	$2177	$371
Reckless driving	$2524	$420
Racing	$2549	$434
Driving with a suspended license	$2602	$434
Refusal to submit to a chemical test	$2619	$445
DUI	$2628	$438
Leaving scene of an accident/hit and run	$2654	$451

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 $330 for a six-month policy. However, it can be as expensive as $3720 with companies like Farmers.

Riverdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$330	$55
Travelers	$885	$149
Erie	$1023	$172
Progressive	$1067	$180
Country Financial	$1345	$226
American Family	$1640	$276
State Farm	$1778	$299
USAA	$2082	$350
Allstate	$3269	$550
Farmers	$3720	$632

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 $277. However, it can be as expensive as $6817 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	$277	$47
Auto-Owners Insurance Co	$312	$53
Mercury	$339	$57
Erie	$364	$61
Hanover	$416	$70
Country Financial	$876	$147
USAA	$1136	$190
State Farm	$1552	$264
Travelers	$1761	$293
Progressive	$1821	$310
American Family	$2021	$340
Allstate	$5793	$986
Farmers	$6817	$1136

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 rose by $282 in December compared to $279 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Riverdale rose to $77 in December, compared to $74 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Riverdale?

The car insurance in Riverdale is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Riverdale?

The cheapest car insurance in Riverdale is $111 per month for full coverage.

How much is car insurance in Riverdale for teenagers?

Car insurance for teenagers costs $277 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 $869 for a six-month policy. It will cost around $212 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: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

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 AutoOwners 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)

Featured Blogs

Data Sources