Cheapest Car Insurance Quotes in Steger

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Steger Car Insurance

^$ 30

/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 Steger

The car insurance rate in Steger is $1043 for a six-month policy, which is $174 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $535, making it a popular choice for budget-conscious drivers. Rates in Steger 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 Steger

$1043

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Steger

1st place: AutoOwners Insurance Co

At $535 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 $606 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 $635 for six months, making it the third cheapest auto insurance company in Steger.

Steger Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Steger, IL is AutoOwners Insurance Co, offering policies at just $535 for a six-month term. This is followed by Westfield, which has an average six-month premium of $606.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $970 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Steger drivers find the best deals.

Cheap Car Insurance Companies in Steger, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$535	$91
Westfield	$606	$101
Country Financial	$635	$107
Travelers	$756	$127
American Family	$877	$148
Erie	$919	$154
USAA	$1084	$182
State Farm	$1091	$184
Progressive	$1198	$202
Auto-Owners	$1261	$210
Allstate	$1811	$305
Farmers	$1811	$305
Hanover	$1127	$187
Mercury	$962	$161
Hastings Mutual	$970	$164

Key Takeaways

Way's key takeaways about car insurance in Steger

The auto insurance costs in Steger fall around $535 for six months.
The cheapest auto insurance company in Steger is Mercury.
Teen drivers pay the highest rate in Steger at $70 per month.

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Cheapest Minimum Liability Car Insurance in Steger

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 Steger are given below.

Mercury provides the cheapest minimum car insurance coverage in Steger. Their Average 6 Month Premium is $179. First Chicago is the most expensive at $235 for the same period.

Cheapest Liability Coverage in Steger, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$179	$30
Westfield	$192	$32
Auto-Owners Insurance Co	$228	$38
Country Financial	$242	$41
Erie	$299	$50
Auto-Owners	$328	$55
Travelers	$328	$55
American Family	$378	$64
State Farm	$378	$64
USAA	$400	$67
Progressive	$463	$78
Allstate	$727	$122
Farmers	$892	$151
Hanover	$214	$36
AAA	$306	$52
First Chicago	$235	$40

Cheapest Full Coverage Car Insurance in Steger

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 Steger is AutoOwners Insurance Co at $91 per month and $535 for six months.

Cheapest Full Coverage Car Insurance Quotes in Steger, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$535	$91
Westfield	$606	$101
Country Financial	$635	$107
Travelers	$756	$127
American Family	$877	$148
Erie	$919	$154
USAA	$1084	$182
State Farm	$1091	$184
Progressive	$1198	$202
Auto-Owners	$1261	$210
Allstate	$1811	$305
Farmers	$1811	$305
Hanover	$1127	$187
Mercury	$962	$161
Hastings Mutual	$970	$164

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Average Car Insurance in Steger 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 Steger, IL increasing?

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

Car Insurance Premiums by Age in Steger

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	$848
30s	Auto-Owners	$587
40s	Auto-Owners	$576
50s	Auto-Owners	$544
60s	Auto-Owners	$571
70s	Auto-Owners	$725

Cheapest Car Insurance Rates for Teen Drivers in Steger,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Steger at $38 per month. At $407 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$228	$38
Mercury	$264	$44
Auto-Owners Insurance Co	$286	$48
Country Financial	$970	$163
Erie	$1190	$200
Travelers	$1261	$212
USAA	$2196	$370
American Family	$2630	$443
State Farm	$3785	$637
Progressive	$3792	$638
Allstate	$4405	$742
Farmers	$4483	$755
AAA	$407	$70

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 Steger.

As young drivers face the highest rates in Steger, AutoOwners offers the cheapest auto insurance rates at $848 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 Steger, Mercury is the cheapest car insurance provider. At $271 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 Steger is State Farm, offering rates of around $3728 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$271	$46
Westfield	$356	$61
Hanover	$478	$79
Country Financial	$713	$120
Travelers	$791	$133
Progressive	$1133	$191
American Family	$1390	$234
USAA	$1846	$314
Allstate	$3030	$505
Farmers	$3486	$593
State Farm	$3728	$622

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Car Insurance Rates with An Accident in Steger

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

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

The cheapest car insurance companies after an at-fault accident in Steger include AutoOwners Insurance Co and Westfield, offering $299 and $306, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $356.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$299	$50
Westfield	$306	$52
Mercury	$392	$65
Travelers	$684	$115
Erie	$691	$116
Country Financial	$698	$118
State Farm	$1033	$174
USAA	$1062	$179
American Family	$1190	$200
Progressive	$1718	$289
Farmers	$1896	$319
Allstate	$3144	$529
AAA	$506	$86
First Chicago	$328	$55
Hastings Mutual	$356	$61

Steger Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Steger IL. For example, the car insurance in Steger after a DUI increases to $984 for a six month policy. While the rate increases by $264 for a six-month policy in the case of a speeding ticket.

Steger auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1176	$196
One Med/PIP claim	$1183	$202
Not-at-fault accident	$1248	$208
One comp claim	$1276	$217
Two Med/PIP claims	$1276	$212
Failure to wear a seat belt	$1368	$233
Driving without lights	$1382	$230
Child safety restraint	$1390	$236
Two comp claims	$1390	$232
Failure to show documents	$1411	$240
Speeding 6 - 10 MPH over limit	$1440	$240
Driving with expired registration	$1447	$246
Speeding 11 - 15 MPH over limit	$1476	$246
Driving too slowly	$1483	$252
Failure to yield	$1483	$247
Illegal turn	$1483	$252
At-fault accident - less than $1000	$1496	$250
Failure to stop at a red light	$1496	$254
Following too closely	$1496	$250
Speeding 16 - 20 MPH over limit	$1504	$256
Speeding in school zone	$1504	$251
Improper passing	$1511	$257
Wrong way/wrong lane	$1511	$252
Cell phone violation	$1540	$262
Texting while driving	$1540	$257
Passing school bus	$1554	$264
In 65 MPH zone	$1561	$260
Speeding 21 - 25 MPH over limit	$1576	$268
Operating a vehicle without permission	$1604	$268
At-fault accident - $1000-$2000	$1704	$289
At-fault accident - greater than $2000	$1732	$289
Open container	$1789	$305
Reckless driving	$2075	$346
Racing	$2095	$356
Driving with a suspended license	$2138	$356
Refusal to submit to a chemical test	$2153	$366
DUI	$2160	$360
Leaving scene of an accident/hit and run	$2182	$371

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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 Steger 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 Steger.

The cheapest car insurance premiums in Steger are offered by Mercury at $271 for a six-month policy. However, it can be as expensive as $3058 with companies like Farmers.

Steger car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$271	$46
Travelers	$727	$122
Erie	$841	$142
Progressive	$877	$148
Country Financial	$1105	$186
American Family	$1348	$227
State Farm	$1462	$246
USAA	$1711	$288
Allstate	$2687	$452
Farmers	$3058	$520

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 Steger are offered by Westfield at $228. However, it can be as expensive as $5603 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Steger after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$228	$38
Auto-Owners Insurance Co	$257	$43
Mercury	$278	$47
Erie	$299	$50
Hanover	$342	$58
Country Financial	$720	$121
USAA	$934	$156
State Farm	$1276	$217
Travelers	$1447	$241
Progressive	$1496	$254
American Family	$1661	$280
Allstate	$4762	$810
Farmers	$5603	$934

Car Insurance Price Trends in Steger, Illinois

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

The average cost of full coverage in the Steger rose by $232 in December compared to $229 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 Steger rose to $64 in December, compared to $61 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Steger?

The car insurance in Steger is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Steger?

The cheapest car insurance in Steger is $91 per month for full coverage.

How much is car insurance in Steger for teenagers?

Car insurance for teenagers costs $228 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 Steger?

The average cost of car insurance is $869 for a six-month policy. It will cost around $174 per month to insure your car in Steger.

Is car insurance expensive in Steger?

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

Cheapest Car Insurance Quotes in Steger

Why you can trust Way?

How Much Is Car Insurance in Steger

Avg. Car Insurance in Steger

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Steger

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Steger Car Insurance Rates by Company

Cheap Car Insurance Companies in Steger, IL

Way's key takeaways about car insurance in Steger

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Steger

Cheapest Liability Coverage in Steger, IL

Cheapest Full Coverage Car Insurance in Steger

Cheapest Full Coverage Car Insurance Quotes in Steger, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Steger by Rating Factor

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

Car Insurance Premiums by Age in Steger

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Steger,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Steger.

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 Steger

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

Steger Car Insurance Rates by Violation

Steger auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Steger after a DUI

Steger car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Steger after Speeding ticket

Car Insurance Price Trends in Steger, Illinois

Average Car Insurance Cost in Steger by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Steger, IL

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

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