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Finding the cheapest car insurance quotes in South Suburban 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.
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 South Suburban
The car insurance rate in South Suburban is $1121 for a six-month policy, which is $252 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $575, making it a popular choice for budget-conscious drivers. Rates in South Suburban 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.
Cheapest Car Insurance Companies in South Suburban
1st place: AutoOwners Insurance Co
At $575 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 $651 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 $682
for six months, making it
the third cheapest auto insurance company in South Suburban.
South Suburban Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in South Suburban, IL is AutoOwners Insurance Co, offering policies at just $575 for a six-month term. This is followed by Westfield, which has an average six-month premium of $651.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1042 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Suburban drivers find the best deals.
Cheap Car Insurance Companies in South Suburban, IL
Way's key takeaways about car insurance in South Suburban
The auto insurance costs in South Suburban fall around $575 for six
months.
The cheapest auto insurance company in South Suburban is Mercury.
Teen drivers pay the highest rate in South Suburban at $75 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 South Suburban
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 South Suburban are given below.
Mercury provides
the cheapest minimum car insurance
coverage in South Suburban. Their Average 6 Month Premium is $192.
First Chicago is the most
expensive at $253 for the same
period.
Cheapest Full Coverage Car Insurance in South Suburban
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 South Suburban is AutoOwners Insurance Co
at $98 per month and $575
for six months.
Cheapest Full Coverage Car Insurance Quotes in South Suburban,
IL
Get Your Car Insurance Quote in South Suburban
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Average Car Insurance in South Suburban 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 South Suburban, IL increasing?
Despite maintaining a clean driving record, your car insurance rates
in South Suburban, 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, South Suburban's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in South Suburban
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
$912
30s
Auto-Owners
$631
40s
Auto-Owners
$619
50s
Auto-Owners
$584
60s
Auto-Owners
$614
70s
Auto-Owners
$779
Cheapest Car Insurance Rates for Teen Drivers in
South Suburban,IL
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the South Suburban at $41
per
month. At $437 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties AutoOwners is
the best choice for car
insurance in South Suburban.
As young drivers face the highest rates in South Suburban, AutoOwners
offers the cheapest auto insurance rates at $912 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 South Suburban,
Mercury is
the cheapest car insurance provider. At $292 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
South Suburban is State Farm, offering
rates of around $4008 for six
months.
Save up to $971/yr on car insurance rates in South Suburban.
Car Insurance Rates with An Accident in South Suburban
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 South Suburban, IL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in South Suburban
The cheapest car insurance companies after an at-fault accident in
South Suburban include AutoOwners Insurance Co
and Westfield, offering $321
and $329,
respectively. Hastings Mutual is an expensive provider
with an average six-month premium of
$383.
Here is a list of driving violations that can increase your car
insurance rates in South Suburban IL. For example, the car
insurance in South Suburban
after a DUI increases to $1058 for a six
month policy. While the rate increases by $284 for a six-month policy in the case of
a speeding ticket.
South Suburban auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1264
$210
One Med/PIP claim
$1272
$217
Not-at-fault accident
$1342
$223
One comp claim
$1371
$233
Two Med/PIP claims
$1371
$228
Failure to wear a seat belt
$1471
$250
Driving without lights
$1486
$248
Child safety restraint
$1494
$254
Two comp claims
$1494
$249
Failure to show documents
$1517
$258
Speeding 6 - 10 MPH over limit
$1548
$258
Driving with expired registration
$1556
$264
Speeding 11 - 15 MPH over limit
$1587
$264
Driving too slowly
$1594
$271
Failure to yield
$1594
$266
Illegal turn
$1594
$271
At-fault accident - less than $1000
$1609
$268
Failure to stop at a red light
$1609
$273
Following too closely
$1609
$268
Speeding 16 - 20 MPH over limit
$1616
$275
Speeding in school zone
$1616
$270
Improper passing
$1624
$276
Wrong way/wrong lane
$1624
$271
Cell phone violation
$1655
$281
Texting while driving
$1655
$276
Passing school bus
$1671
$284
In 65 MPH zone
$1678
$280
Speeding 21 - 25 MPH over limit
$1694
$288
Operating a vehicle without permission
$1725
$288
At-fault accident - $1000-$2000
$1832
$311
At-fault accident - greater than $2000
$1861
$311
Open container
$1923
$328
Reckless driving
$2230
$372
Racing
$2252
$383
Driving with a suspended license
$2299
$383
Refusal to submit to a chemical test
$2314
$393
DUI
$2322
$387
Leaving scene of an accident/hit and run
$2345
$399
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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 South Suburban 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 South Suburban.
The cheapest car insurance premiums in
South Suburban are
offered by Mercury at $292 for a six-month policy.
However, it can be as
expensive as $3287 with companies
like Farmers.
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 South Suburban are offered by Westfield
at $245. However,
it can be as expensive as $6023
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in South Suburban after Speeding ticket
Car Insurance Price Trends in South Suburban,
Illinois
Car insurance rates in South Suburban have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the South Suburban rose by
$249 in December
compared to $246 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 South Suburban rose to $68 in December,
compared to $66 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in South Suburban by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
South Suburban. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in South Suburban?
The car insurance in South Suburban is $32 per month, which is lower than the national average.
What is the cheapest car insurance in South Suburban?
The cheapest car insurance in South Suburban
is $98 per month
for full coverage.
How much is car insurance in South Suburban for teenagers?
Car insurance for teenagers costs $245 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
South Suburban?
The average cost of car insurance is $869 for a six-month
policy. It will cost around $187 per month to insure your
car in South Suburban.
Is car insurance expensive in South Suburban?
Car insurance can be expensive in South Suburban if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in South Suburban can be
affordable.
What is the best car insurance in South Suburban,
IL?
The best car insurance company in South Suburban
IL is
AutoOwners Insurance Co, offering $575 for a
six-month policy.
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Find Car Insurance Rates in Cities Near South Suburban, IL
Car Insurance Rates by State in the USA (2025 Update)
South Suburban Car Insurance
