Cheapest Car Insurance Quotes in Rosewood Heights

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Rosewood Heights Car Insurance

^$ 27

/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 Rosewood Heights

The car insurance rate in Rosewood Heights is $941 for a six-month policy, which is $70 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $384, making it a popular choice for budget-conscious drivers. Rates in Rosewood Heights 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 Rosewood Heights

$941

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Rosewood Heights

1st place: American Family

At $384 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 $482 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $545 for six months, making it the third cheapest auto insurance company in Rosewood Heights.

Rosewood Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rosewood Heights, IL is American Family, offering policies at just $384 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $482.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1014 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rosewood Heights drivers find the best deals.

Cheap Car Insurance Companies in Rosewood Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$384	$66
Auto-Owners Insurance Co	$482	$80
Westfield	$545	$93
Travelers	$699	$118
Country Financial	$744	$125
Erie	$866	$146
USAA	$1032	$174
Auto-Owners	$1065	$179
Progressive	$1091	$184
State Farm	$1174	$198
Farmers	$1290	$219
Allstate	$1854	$312
Hanover	$1014	$168

Key Takeaways

Way's key takeaways about car insurance in Rosewood Heights

The auto insurance costs in Rosewood Heights fall around $384 for six months.
The cheapest auto insurance company in Rosewood Heights is Mercury.
Teen drivers pay the highest rate in Rosewood Heights at $63 per month.

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Cheapest Minimum Liability Car Insurance in Rosewood Heights

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 Rosewood Heights are given below.

Mercury provides the cheapest minimum car insurance coverage in Rosewood Heights. Their Average 6 Month Premium is $161. AAA is the most expensive at $275 for the same period.

Cheapest Liability Coverage in Rosewood Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$161	$27
Westfield	$173	$29
Auto-Owners Insurance Co	$205	$35
American Family	$218	$37
Erie	$269	$45
Travelers	$295	$50
Auto-Owners	$301	$51
Country Financial	$301	$51
USAA	$373	$63
State Farm	$397	$67
Progressive	$417	$70
Allstate	$616	$104
Farmers	$802	$136
Hanover	$192	$32
AAA	$275	$46

Cheapest Full Coverage Car Insurance in Rosewood Heights

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 Rosewood Heights is American Family at $66 per month and $384 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rosewood Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$384	$66
Auto-Owners Insurance Co	$482	$80
Westfield	$545	$93
Travelers	$699	$118
Country Financial	$744	$125
Erie	$866	$146
USAA	$1032	$174
Auto-Owners	$1065	$179
Progressive	$1091	$184
State Farm	$1174	$198
Farmers	$1290	$219
Allstate	$1854	$312
Hanover	$1014	$168

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Average Car Insurance in Rosewood Heights 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 Rosewood Heights, IL increasing?

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

Car Insurance Premiums by Age in Rosewood Heights

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 Rosewood Heights,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Rosewood Heights at $35 per month. At $366 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$205	$35
American Family	$238	$40
Mercury	$238	$40
Auto-Owners Insurance Co	$257	$43
Farmers	$417	$69
Country Financial	$1167	$197
Travelers	$1219	$205
Erie	$1386	$233
USAA	$2104	$354
Auto-Owners	$2297	$391
Progressive	$3234	$544
State Farm	$3997	$673
Allstate	$4362	$734
AAA	$366	$63

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 Rosewood Heights, Mercury is the cheapest car insurance provider. At $244 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 Rosewood Heights is Farmers, offering rates of around $3137 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$244	$41
Westfield	$321	$54
American Family	$404	$69
Hanover	$430	$71
Travelers	$770	$130
Country Financial	$866	$146
Progressive	$1071	$180
USAA	$1899	$316
Erie	$2066	$351
Auto-Owners	$2939	$489
Allstate	$3362	$571
State Farm	$5017	$836
Farmers	$3137	$534

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Car Insurance Rates with An Accident in Rosewood Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rosewood Heights

The cheapest car insurance companies after an at-fault accident in Rosewood Heights include American Family and AutoOwners Insurance Co, offering $257 and $269, respectively. AAA is an expensive provider with an average six-month premium of $456.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$257	$43
Auto-Owners Insurance Co	$269	$45
Westfield	$275	$46
Mercury	$353	$60
Farmers	$526	$87
Travelers	$648	$109
Erie	$802	$135
Country Financial	$853	$144
State Farm	$1078	$181
USAA	$1155	$194
Auto-Owners	$1206	$201
Progressive	$1630	$274
Allstate	$3162	$532
AAA	$456	$78

Rosewood Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rosewood Heights IL. For example, the car insurance in Rosewood Heights after a DUI increases to $886 for a six month policy. While the rate increases by $238 for a six-month policy in the case of a speeding ticket.

Rosewood Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1058	$176
One Med/PIP claim	$1065	$181
Not-at-fault accident	$1123	$187
One comp claim	$1148	$195
Two Med/PIP claims	$1148	$191
Failure to wear a seat belt	$1231	$210
Driving without lights	$1244	$207
Child safety restraint	$1251	$213
Two comp claims	$1251	$208
Failure to show documents	$1270	$216
Speeding 6 - 10 MPH over limit	$1296	$216
Driving with expired registration	$1302	$221
Speeding 11 - 15 MPH over limit	$1328	$221
Driving too slowly	$1335	$227
Failure to yield	$1335	$222
Illegal turn	$1335	$227
At-fault accident - less than $1000	$1347	$225
Failure to stop at a red light	$1347	$229
Following too closely	$1347	$225
Speeding 16 - 20 MPH over limit	$1353	$230
Speeding in school zone	$1353	$226
Improper passing	$1360	$231
Wrong way/wrong lane	$1360	$227
Cell phone violation	$1386	$235
Texting while driving	$1386	$231
Passing school bus	$1399	$238
In 65 MPH zone	$1405	$234
Speeding 21 - 25 MPH over limit	$1418	$241
Operating a vehicle without permission	$1444	$241
At-fault accident - $1000-$2000	$1534	$260
At-fault accident - greater than $2000	$1558	$260
Open container	$1610	$274
Reckless driving	$1867	$311
Racing	$1886	$321
Driving with a suspended license	$1925	$321
Refusal to submit to a chemical test	$1938	$329
DUI	$1944	$324
Leaving scene of an accident/hit and run	$1963	$334

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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 Rosewood Heights 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 Rosewood Heights.

The cheapest car insurance premiums in Rosewood Heights are offered by Mercury at $244 for a six-month policy. However, it can be as expensive as $2752 with companies like Farmers.

Rosewood Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$244	$41
American Family	$257	$43
Travelers	$687	$116
Progressive	$827	$139
Erie	$988	$166
Country Financial	$1148	$193
USAA	$1578	$266
State Farm	$1623	$273
Auto-Owners	$1713	$292
Allstate	$2721	$458
Farmers	$2752	$468

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 Rosewood Heights are offered by Westfield at $205. However, it can be as expensive as $5043 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rosewood Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$205	$35
Auto-Owners Insurance Co	$231	$39
Mercury	$251	$42
American Family	$257	$43
Hanover	$308	$52
Erie	$642	$108
Country Financial	$770	$130
Travelers	$975	$162
Auto-Owners	$988	$168
State Farm	$1238	$206
USAA	$1366	$232
Progressive	$1399	$233
Allstate	$2913	$496
Farmers	$5043	$840

Car Insurance Price Trends in Rosewood Heights, Illinois

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

The average cost of full coverage in the Rosewood Heights dipped by $183 in January compared to $208 of December. In other words, there has been an decrease by $25 when you compare January and December.

The average cost of liability insurance in the Rosewood Heights dipped to $55 in January, compared to $57 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Rosewood Heights?

The car insurance in Rosewood Heights is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Rosewood Heights?

The cheapest car insurance in Rosewood Heights is $66 per month for full coverage.

How much is car insurance in Rosewood Heights for teenagers?

Car insurance for teenagers costs $205 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 Rosewood Heights?

The average cost of car insurance is $871 for a six-month policy. It will cost around $158 per month to insure your car in Rosewood Heights.

Is car insurance expensive in Rosewood Heights?

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

Cheapest Car Insurance Quotes in Rosewood Heights

Why you can trust Way?

How Much Is Car Insurance in Rosewood Heights

Avg. Car Insurance in Rosewood Heights

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Rosewood Heights

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Rosewood Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Rosewood Heights, IL

Way's key takeaways about car insurance in Rosewood Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rosewood Heights

Cheapest Liability Coverage in Rosewood Heights, IL

Cheapest Full Coverage Car Insurance in Rosewood Heights

Cheapest Full Coverage Car Insurance Quotes in Rosewood Heights, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rosewood Heights by Rating Factor

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

Car Insurance Premiums by Age in Rosewood Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rosewood Heights,IL

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

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 Rosewood Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Rosewood Heights

Rosewood Heights Car Insurance Rates by Violation

Rosewood Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rosewood Heights after a DUI

Rosewood Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rosewood Heights after Speeding ticket

Car Insurance Price Trends in Rosewood Heights, Illinois

Average Car Insurance Cost in Rosewood Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rosewood Heights, IL

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

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