Cheapest Car Insurance Quotes in Robbins

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406,175 Policies Sold

Robbins 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 Robbins

The car insurance rate in Robbins is $1272 for a six-month policy, which is $401 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $520, making it a popular choice for budget-conscious drivers. Rates in Robbins 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 Robbins

$1272

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Robbins

1st place: American Family

At $520 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 $651 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $737 for six months, making it the third cheapest auto insurance company in Robbins.

Robbins Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Robbins, IL is American Family, offering policies at just $520 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $651.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1371 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Robbins drivers find the best deals.

Cheap Car Insurance Companies in Robbins, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$520	$89
Auto-Owners Insurance Co	$651	$108
Westfield	$737	$126
Travelers	$945	$159
Country Financial	$1006	$169
Erie	$1171	$197
USAA	$1396	$235
Auto-Owners	$1440	$242
Progressive	$1475	$248
State Farm	$1587	$267
Farmers	$1743	$296
Allstate	$2507	$422
Hanover	$1371	$228

Key Takeaways

Way's key takeaways about car insurance in Robbins

The auto insurance costs in Robbins fall around $520 for six months.
The cheapest auto insurance company in Robbins is Mercury.
Teen drivers pay the highest rate in Robbins at $85 per month.

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

Cheapest Minimum Liability Car Insurance in Robbins

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 Robbins are given below.

Mercury provides the cheapest minimum car insurance coverage in Robbins. Their Average 6 Month Premium is $218. AAA is the most expensive at $372 for the same period.

Cheapest Liability Coverage in Robbins, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$218	$37
Westfield	$234	$39
Auto-Owners Insurance Co	$277	$47
American Family	$295	$50
Erie	$364	$61
Travelers	$399	$67
Auto-Owners	$407	$69
Country Financial	$407	$69
USAA	$504	$85
State Farm	$537	$91
Progressive	$564	$95
Allstate	$832	$140
Farmers	$1085	$184
Hanover	$260	$44
AAA	$372	$63

Cheapest Full Coverage Car Insurance in Robbins

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 Robbins is American Family at $89 per month and $520 for six months.

Cheapest Full Coverage Car Insurance Quotes in Robbins, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$520	$89
Auto-Owners Insurance Co	$651	$108
Westfield	$737	$126
Travelers	$945	$159
Country Financial	$1006	$169
Erie	$1171	$197
USAA	$1396	$235
Auto-Owners	$1440	$242
Progressive	$1475	$248
State Farm	$1587	$267
Farmers	$1743	$296
Allstate	$2507	$422
Hanover	$1371	$228

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Average Car Insurance in Robbins 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 Robbins, IL increasing?

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

Car Insurance Premiums by Age in Robbins

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 Robbins,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Robbins 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
American Family	$321	$54
Mercury	$321	$54
Auto-Owners Insurance Co	$347	$58
Farmers	$564	$93
Country Financial	$1578	$266
Travelers	$1648	$277
Erie	$1873	$315
USAA	$2844	$479
Auto-Owners	$3105	$529
Progressive	$4371	$736
State Farm	$5403	$910
Allstate	$5897	$993
AAA	$495	$85

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 Robbins, 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 Robbins is Farmers, offering rates of around $4241 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$330	$55
Westfield	$434	$73
American Family	$546	$93
Hanover	$581	$96
Travelers	$1041	$175
Country Financial	$1171	$197
Progressive	$1448	$244
USAA	$2567	$428
Erie	$2793	$475
Auto-Owners	$3973	$661
Allstate	$4545	$772
State Farm	$6782	$1130
Farmers	$4241	$721

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Car Insurance Rates with An Accident in Robbins

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

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

The cheapest car insurance companies after an at-fault accident in Robbins include American Family and AutoOwners Insurance Co, offering $347 and $364, respectively. AAA is an expensive provider with an average six-month premium of $616.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$347	$58
Auto-Owners Insurance Co	$364	$61
Westfield	$372	$63
Mercury	$477	$82
Farmers	$711	$118
Travelers	$876	$147
Erie	$1085	$183
Country Financial	$1153	$194
State Farm	$1457	$245
USAA	$1561	$263
Auto-Owners	$1631	$272
Progressive	$2203	$371
Allstate	$4275	$720
AAA	$616	$105

Robbins Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Robbins IL. For example, the car insurance in Robbins 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.

Robbins 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

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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 Robbins 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 Robbins.

The cheapest car insurance premiums in Robbins are offered by Mercury at $330 for a six-month policy. However, it can be as expensive as $3720 with companies like Farmers.

Robbins car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$330	$55
American Family	$347	$58
Travelers	$929	$156
Progressive	$1118	$188
Erie	$1336	$225
Country Financial	$1552	$261
USAA	$2133	$359
State Farm	$2194	$369
Auto-Owners	$2316	$394
Allstate	$3678	$619
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 Robbins 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 Robbins after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$277	$47
Auto-Owners Insurance Co	$312	$53
Mercury	$339	$57
American Family	$347	$58
Hanover	$416	$70
Erie	$867	$146
Country Financial	$1041	$175
Travelers	$1318	$219
Auto-Owners	$1336	$228
State Farm	$1673	$279
USAA	$1847	$314
Progressive	$1891	$315
Allstate	$3938	$670
Farmers	$6817	$1136

Car Insurance Price Trends in Robbins, Illinois

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

The average cost of full coverage in the Robbins dipped by $247 in January compared to $282 of December. In other words, there has been an decrease by $35 when you compare January and December.

The average cost of liability insurance in the Robbins dipped to $74 in January, compared to $77 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 Robbins?

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

What is the cheapest car insurance in Robbins?

The cheapest car insurance in Robbins is $89 per month for full coverage.

How much is car insurance in Robbins 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 Robbins?

The average cost of car insurance is $871 for a six-month policy. It will cost around $213 per month to insure your car in Robbins.

Is car insurance expensive in Robbins?

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

Cheapest Car Insurance Quotes in Robbins

Why you can trust Way?

How Much Is Car Insurance in Robbins

Avg. Car Insurance in Robbins

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Robbins

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Robbins Car Insurance Rates by Company

Cheap Car Insurance Companies in Robbins, IL

Way's key takeaways about car insurance in Robbins

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Robbins

Cheapest Liability Coverage in Robbins, IL

Cheapest Full Coverage Car Insurance in Robbins

Cheapest Full Coverage Car Insurance Quotes in Robbins, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Robbins by Rating Factor

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

Car Insurance Premiums by Age in Robbins

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Robbins,IL

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

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 Robbins

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

Robbins Car Insurance Rates by Violation

Robbins auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Robbins after a DUI

Robbins car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Robbins after Speeding ticket

Car Insurance Price Trends in Robbins, Illinois

Average Car Insurance Cost in Robbins by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Robbins, IL

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

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