Cheapest Car Insurance Quotes in Riverwoods

Finding the cheapest car insurance quotes in Riverwoods 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

406,175 Policies Sold

Riverwoods 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 Riverwoods

The car insurance rate in Riverwoods is $993 for a six-month policy, which is $122 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $406, making it a popular choice for budget-conscious drivers. Rates in Riverwoods 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 Riverwoods

$993

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Riverwoods

1st place: American Family

At $406 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 $508 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $576 for six months, making it the third cheapest auto insurance company in Riverwoods.

Riverwoods Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Riverwoods, IL is American Family, offering policies at just $406 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $508.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1070 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Riverwoods drivers find the best deals.

Cheap Car Insurance Companies in Riverwoods, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$406	$70
Auto-Owners Insurance Co	$508	$84
Westfield	$576	$98
Travelers	$738	$124
Country Financial	$785	$132
Erie	$914	$154
USAA	$1090	$184
Auto-Owners	$1124	$189
Progressive	$1151	$194
State Farm	$1239	$209
Farmers	$1361	$231
Allstate	$1957	$329
Hanover	$1070	$178

Key Takeaways

Way's key takeaways about car insurance in Riverwoods

The auto insurance costs in Riverwoods fall around $406 for six months.
The cheapest auto insurance company in Riverwoods is Mercury.
Teen drivers pay the highest rate in Riverwoods at $66 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 Riverwoods

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 Riverwoods are given below.

Mercury provides the cheapest minimum car insurance coverage in Riverwoods. Their Average 6 Month Premium is $170. AAA is the most expensive at $291 for the same period.

Cheapest Liability Coverage in Riverwoods, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$170	$28
Westfield	$182	$31
Auto-Owners Insurance Co	$217	$36
American Family	$230	$39
Erie	$284	$48
Travelers	$311	$52
Auto-Owners	$318	$54
Country Financial	$318	$54
USAA	$393	$66
State Farm	$420	$71
Progressive	$440	$74
Allstate	$650	$109
Farmers	$847	$144
Hanover	$203	$34
AAA	$291	$49

Cheapest Full Coverage Car Insurance in Riverwoods

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 Riverwoods is American Family at $70 per month and $406 for six months.

Cheapest Full Coverage Car Insurance Quotes in Riverwoods, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$406	$70
Auto-Owners Insurance Co	$508	$84
Westfield	$576	$98
Travelers	$738	$124
Country Financial	$785	$132
Erie	$914	$154
USAA	$1090	$184
Auto-Owners	$1124	$189
Progressive	$1151	$194
State Farm	$1239	$209
Farmers	$1361	$231
Allstate	$1957	$329
Hanover	$1070	$178

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Riverwoods Instantly!

Average Car Insurance in Riverwoods 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 Riverwoods, IL increasing?

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

Car Insurance Premiums by Age in Riverwoods

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Riverwoods,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Riverwoods at $36 per month. At $386 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$217	$36
American Family	$251	$42
Mercury	$251	$42
Auto-Owners Insurance Co	$271	$46
Farmers	$440	$73
Country Financial	$1232	$207
Travelers	$1287	$217
Erie	$1463	$246
USAA	$2221	$374
Auto-Owners	$2425	$413
Progressive	$3413	$575
State Farm	$4219	$710
Allstate	$4604	$775
AAA	$386	$66

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 Riverwoods, Mercury is the cheapest car insurance provider. At $258 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 Riverwoods is Farmers, offering rates of around $3312 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$258	$43
Westfield	$339	$57
American Family	$426	$73
Hanover	$454	$75
Travelers	$813	$137
Country Financial	$914	$154
Progressive	$1131	$190
USAA	$2004	$334
Erie	$2181	$370
Auto-Owners	$3102	$516
Allstate	$3549	$603
State Farm	$5295	$882
Farmers	$3312	$563

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Riverwoods

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

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

The cheapest car insurance companies after an at-fault accident in Riverwoods include American Family and AutoOwners Insurance Co, offering $271 and $284, respectively. AAA is an expensive provider with an average six-month premium of $481.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$271	$46
Auto-Owners Insurance Co	$284	$48
Westfield	$291	$49
Mercury	$373	$64
Farmers	$555	$92
Travelers	$684	$115
Erie	$847	$143
Country Financial	$901	$152
State Farm	$1138	$192
USAA	$1219	$205
Auto-Owners	$1273	$212
Progressive	$1720	$290
Allstate	$3338	$562
AAA	$481	$82

Riverwoods Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Riverwoods IL. For example, the car insurance in Riverwoods after a DUI increases to $935 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Riverwoods auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1117	$186
One Med/PIP claim	$1124	$192
Not-at-fault accident	$1186	$197
One comp claim	$1212	$206
Two Med/PIP claims	$1212	$202
Failure to wear a seat belt	$1300	$221
Driving without lights	$1313	$219
Child safety restraint	$1320	$225
Two comp claims	$1320	$220
Failure to show documents	$1341	$228
Speeding 6 - 10 MPH over limit	$1368	$228
Driving with expired registration	$1375	$234
Speeding 11 - 15 MPH over limit	$1402	$234
Driving too slowly	$1409	$239
Failure to yield	$1409	$235
Illegal turn	$1409	$239
At-fault accident - less than $1000	$1422	$237
Failure to stop at a red light	$1422	$242
Following too closely	$1422	$237
Speeding 16 - 20 MPH over limit	$1428	$243
Speeding in school zone	$1428	$238
Improper passing	$1435	$244
Wrong way/wrong lane	$1435	$239
Cell phone violation	$1463	$249
Texting while driving	$1463	$244
Passing school bus	$1476	$251
In 65 MPH zone	$1483	$247
Speeding 21 - 25 MPH over limit	$1497	$254
Operating a vehicle without permission	$1524	$254
At-fault accident - $1000-$2000	$1619	$275
At-fault accident - greater than $2000	$1645	$275
Open container	$1700	$290
Reckless driving	$1971	$328
Racing	$1990	$339
Driving with a suspended license	$2031	$339
Refusal to submit to a chemical test	$2045	$348
DUI	$2052	$342
Leaving scene of an accident/hit and run	$2073	$352

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 Riverwoods 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 Riverwoods.

The cheapest car insurance premiums in Riverwoods are offered by Mercury at $258 for a six-month policy. However, it can be as expensive as $2905 with companies like Farmers.

Riverwoods car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$258	$43
American Family	$271	$46
Travelers	$725	$122
Progressive	$873	$147
Erie	$1043	$176
Country Financial	$1212	$204
USAA	$1666	$280
State Farm	$1713	$288
Auto-Owners	$1808	$308
Allstate	$2872	$483
Farmers	$2905	$494

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 Riverwoods are offered by Westfield at $217. However, it can be as expensive as $5323 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Riverwoods after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$217	$36
Auto-Owners Insurance Co	$244	$41
Mercury	$264	$44
American Family	$271	$46
Hanover	$325	$55
Erie	$677	$114
Country Financial	$813	$137
Travelers	$1029	$171
Auto-Owners	$1043	$178
State Farm	$1306	$218
USAA	$1442	$245
Progressive	$1476	$246
Allstate	$3075	$523
Farmers	$5323	$887

Car Insurance Price Trends in Riverwoods, Illinois

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

The average cost of full coverage in the Riverwoods dipped by $193 in January compared to $220 of December. In other words, there has been an decrease by $27 when you compare January and December.

The average cost of liability insurance in the Riverwoods dipped to $58 in January, compared to $60 in December. This represents an decrease of $2 when comparing January and December.

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 Riverwoods?

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

What is the cheapest car insurance in Riverwoods?

The cheapest car insurance in Riverwoods is $70 per month for full coverage.

How much is car insurance in Riverwoods for teenagers?

Car insurance for teenagers costs $217 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 Riverwoods?

The average cost of car insurance is $871 for a six-month policy. It will cost around $166 per month to insure your car in Riverwoods.

Is car insurance expensive in Riverwoods?

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

Cheapest Car Insurance Quotes in Riverwoods

Why you can trust Way?

How Much Is Car Insurance in Riverwoods

Avg. Car Insurance in Riverwoods

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Riverwoods

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Riverwoods Car Insurance Rates by Company

Cheap Car Insurance Companies in Riverwoods, IL

Way's key takeaways about car insurance in Riverwoods

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Riverwoods

Cheapest Liability Coverage in Riverwoods, IL

Cheapest Full Coverage Car Insurance in Riverwoods

Cheapest Full Coverage Car Insurance Quotes in Riverwoods, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Riverwoods by Rating Factor

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

Car Insurance Premiums by Age in Riverwoods

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Riverwoods,IL

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

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 Riverwoods

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

Riverwoods Car Insurance Rates by Violation

Riverwoods auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Riverwoods after a DUI

Riverwoods car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Riverwoods after Speeding ticket

Car Insurance Price Trends in Riverwoods, Illinois

Average Car Insurance Cost in Riverwoods by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Riverwoods, IL

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

Featured Blogs

Data Sources