Cheapest Car Insurance Quotes in Steger

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Steger Car Insurance

^$ 32

/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 $1115 for a six-month policy, which is $244 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $456, 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

$1115

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Steger

1st place: American Family

At $456 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 $571 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $646 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 American Family, offering policies at just $456 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $571.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1202 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
American Family	$456	$78
Auto-Owners Insurance Co	$571	$95
Westfield	$646	$110
Travelers	$828	$140
Country Financial	$882	$148
Erie	$1027	$173
USAA	$1224	$206
Auto-Owners	$1262	$212
Progressive	$1293	$218
State Farm	$1391	$234
Farmers	$1528	$260
Allstate	$2198	$370
Hanover	$1202	$200

Key Takeaways

Way's key takeaways about car insurance in Steger

The auto insurance costs in Steger fall around $456 for six months.
The cheapest auto insurance company in Steger is Mercury.
Teen drivers pay the highest rate in Steger at $74 per month.

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

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 $191. AAA is the most expensive at $326 for the same period.

Cheapest Liability Coverage in Steger, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$191	$32
Westfield	$205	$35
Auto-Owners Insurance Co	$243	$41
American Family	$259	$44
Erie	$319	$54
Travelers	$349	$59
Auto-Owners	$357	$60
Country Financial	$357	$60
USAA	$442	$74
State Farm	$471	$79
Progressive	$494	$83
Allstate	$730	$123
Farmers	$951	$161
Hanover	$228	$38
AAA	$326	$55

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 American Family at $78 per month and $456 for six months.

Cheapest Full Coverage Car Insurance Quotes in Steger, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$456	$78
Auto-Owners Insurance Co	$571	$95
Westfield	$646	$110
Travelers	$828	$140
Country Financial	$882	$148
Erie	$1027	$173
USAA	$1224	$206
Auto-Owners	$1262	$212
Progressive	$1293	$218
State Farm	$1391	$234
Farmers	$1528	$260
Allstate	$2198	$370
Hanover	$1202	$200

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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

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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 $41 per month. At $434 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$243	$41
American Family	$282	$47
Mercury	$282	$47
Auto-Owners Insurance Co	$305	$51
Farmers	$494	$82
Country Financial	$1384	$233
Travelers	$1445	$243
Erie	$1642	$276
USAA	$2493	$420
Auto-Owners	$2723	$463
Progressive	$3832	$645
State Farm	$4737	$797
Allstate	$5170	$870
AAA	$434	$74

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 Steger, Mercury is the cheapest car insurance provider. At $289 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 Farmers, offering rates of around $3718 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$289	$49
Westfield	$380	$64
American Family	$479	$82
Hanover	$509	$84
Travelers	$913	$154
Country Financial	$1027	$173
Progressive	$1270	$214
USAA	$2250	$375
Erie	$2449	$416
Auto-Owners	$3483	$580
Allstate	$3985	$677
State Farm	$5946	$991
Farmers	$3718	$632

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

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 American Family and AutoOwners Insurance Co, offering $305 and $319, respectively. AAA is an expensive provider with an average six-month premium of $540.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$305	$51
Auto-Owners Insurance Co	$319	$54
Westfield	$326	$55
Mercury	$419	$72
Farmers	$623	$104
Travelers	$768	$129
Erie	$951	$160
Country Financial	$1011	$170
State Farm	$1277	$215
USAA	$1368	$230
Auto-Owners	$1430	$238
Progressive	$1932	$325
Allstate	$3748	$631
AAA	$540	$92

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 $1050 for a six month policy. While the rate increases by $282 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	$1254	$209
One Med/PIP claim	$1262	$215
Not-at-fault accident	$1331	$221
One comp claim	$1361	$232
Two Med/PIP claims	$1361	$227
Failure to wear a seat belt	$1459	$248
Driving without lights	$1475	$246
Child safety restraint	$1482	$252
Two comp claims	$1482	$247
Failure to show documents	$1505	$256
Speeding 6 - 10 MPH over limit	$1536	$256
Driving with expired registration	$1544	$262
Speeding 11 - 15 MPH over limit	$1574	$262
Driving too slowly	$1582	$269
Failure to yield	$1582	$264
Illegal turn	$1582	$269
At-fault accident - less than $1000	$1596	$266
Failure to stop at a red light	$1596	$271
Following too closely	$1596	$266
Speeding 16 - 20 MPH over limit	$1604	$273
Speeding in school zone	$1604	$268
Improper passing	$1612	$274
Wrong way/wrong lane	$1612	$269
Cell phone violation	$1642	$279
Texting while driving	$1642	$274
Passing school bus	$1658	$282
In 65 MPH zone	$1665	$278
Speeding 21 - 25 MPH over limit	$1681	$285
Operating a vehicle without permission	$1711	$285
At-fault accident - $1000-$2000	$1818	$308
At-fault accident - greater than $2000	$1847	$308
Open container	$1908	$325
Reckless driving	$2213	$369
Racing	$2235	$380
Driving with a suspended license	$2281	$380
Refusal to submit to a chemical test	$2296	$390
DUI	$2304	$384
Leaving scene of an accident/hit and run	$2327	$396

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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 $289 for a six-month policy. However, it can be as expensive as $3261 with companies like Farmers.

Steger car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$289	$49
American Family	$305	$51
Travelers	$814	$137
Progressive	$980	$165
Erie	$1171	$197
Country Financial	$1361	$229
USAA	$1870	$315
State Farm	$1924	$324
Auto-Owners	$2030	$346
Allstate	$3224	$543
Farmers	$3261	$554

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 $243. However, it can be as expensive as $5976 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	$243	$41
Auto-Owners Insurance Co	$274	$46
Mercury	$297	$50
American Family	$305	$51
Hanover	$365	$61
Erie	$760	$128
Country Financial	$913	$154
Travelers	$1156	$192
Auto-Owners	$1171	$200
State Farm	$1467	$244
USAA	$1619	$275
Progressive	$1658	$276
Allstate	$3452	$588
Farmers	$5976	$996

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 dipped by $216 in January compared to $247 of December. In other words, there has been an decrease by $31 when you compare January and December.

The average cost of liability insurance in the Steger dipped to $65 in January, compared to $68 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 Steger?

The car insurance in Steger is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Steger?

The cheapest car insurance in Steger is $78 per month for full coverage.

How much is car insurance in Steger for teenagers?

Car insurance for teenagers costs $243 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 $871 for a six-month policy. It will cost around $187 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: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

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 N/A 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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