Cheapest Car Insurance Quotes in Stickney

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Stickney Car Insurance

^$ 33

/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 Stickney

The car insurance rate in Stickney is $1147 for a six-month policy, which is $278 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $589, making it a popular choice for budget-conscious drivers. Rates in Stickney 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 Stickney

$1147

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Stickney

1st place: AutoOwners Insurance Co

At $589 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 $667 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 $698 for six months, making it the third cheapest auto insurance company in Stickney.

Stickney Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stickney, IL is AutoOwners Insurance Co, offering policies at just $589 for a six-month term. This is followed by Westfield, which has an average six-month premium of $667.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1067 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stickney drivers find the best deals.

Cheap Car Insurance Companies in Stickney, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$589	$100
Westfield	$667	$111
Country Financial	$698	$117
Travelers	$832	$140
American Family	$965	$162
Erie	$1011	$169
USAA	$1192	$201
State Farm	$1200	$202
Progressive	$1317	$222
Auto-Owners	$1387	$231
Allstate	$1992	$335
Farmers	$1992	$335
Hanover	$1239	$206
Mercury	$1059	$177
Hastings Mutual	$1067	$181

Key Takeaways

Way's key takeaways about car insurance in Stickney

The auto insurance costs in Stickney fall around $589 for six months.
The cheapest auto insurance company in Stickney is Mercury.
Teen drivers pay the highest rate in Stickney at $77 per month.

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Cheapest Minimum Liability Car Insurance in Stickney

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 Stickney are given below.

Mercury provides the cheapest minimum car insurance coverage in Stickney. Their Average 6 Month Premium is $197. First Chicago is the most expensive at $259 for the same period.

Cheapest Liability Coverage in Stickney, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$197	$33
Westfield	$211	$36
Auto-Owners Insurance Co	$251	$42
Country Financial	$267	$45
Erie	$329	$55
Auto-Owners	$360	$61
Travelers	$360	$61
American Family	$416	$70
State Farm	$416	$70
USAA	$440	$74
Progressive	$510	$86
Allstate	$800	$135
Farmers	$981	$166
Hanover	$235	$40
AAA	$337	$57
First Chicago	$259	$44

Cheapest Full Coverage Car Insurance in Stickney

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 Stickney is AutoOwners Insurance Co at $100 per month and $589 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stickney, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$589	$100
Westfield	$667	$111
Country Financial	$698	$117
Travelers	$832	$140
American Family	$965	$162
Erie	$1011	$169
USAA	$1192	$201
State Farm	$1200	$202
Progressive	$1317	$222
Auto-Owners	$1387	$231
Allstate	$1992	$335
Farmers	$1992	$335
Hanover	$1239	$206
Mercury	$1059	$177
Hastings Mutual	$1067	$181

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Average Car Insurance in Stickney 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 Stickney, IL increasing?

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

Car Insurance Premiums by Age in Stickney

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	$933
30s	Auto-Owners	$645
40s	Auto-Owners	$634
50s	Auto-Owners	$598
60s	Auto-Owners	$628
70s	Auto-Owners	$797

Cheapest Car Insurance Rates for Teen Drivers in Stickney,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Stickney at $42 per month. At $447 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$251	$42
Mercury	$290	$49
Auto-Owners Insurance Co	$314	$53
Country Financial	$1067	$180
Erie	$1309	$220
Travelers	$1387	$234
USAA	$2416	$407
American Family	$2893	$487
State Farm	$4163	$701
Progressive	$4171	$702
Allstate	$4846	$816
Farmers	$4932	$830
AAA	$447	$77

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 Stickney.

As young drivers face the highest rates in Stickney, AutoOwners offers the cheapest auto insurance rates at $933 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 Stickney, Mercury is the cheapest car insurance provider. At $298 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 Stickney is State Farm, offering rates of around $4101 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$298	$50
Westfield	$392	$67
Hanover	$525	$87
Country Financial	$784	$132
Travelers	$870	$147
Progressive	$1246	$210
American Family	$1529	$257
USAA	$2030	$346
Allstate	$3333	$556
Farmers	$3835	$652
State Farm	$4101	$684

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Car Insurance Rates with An Accident in Stickney

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

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

The cheapest car insurance companies after an at-fault accident in Stickney include AutoOwners Insurance Co and Westfield, offering $329 and $337, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $392.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$329	$55
Westfield	$337	$57
Mercury	$432	$71
Travelers	$752	$127
Erie	$760	$128
Country Financial	$768	$129
State Farm	$1137	$191
USAA	$1168	$197
American Family	$1309	$220
Progressive	$1890	$318
Farmers	$2086	$351
Allstate	$3458	$582
AAA	$557	$95
First Chicago	$360	$61
Hastings Mutual	$392	$67

Stickney Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stickney IL. For example, the car insurance in Stickney after a DUI increases to $1082 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Stickney auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1294	$215
One Med/PIP claim	$1302	$222
Not-at-fault accident	$1373	$228
One comp claim	$1403	$239
Two Med/PIP claims	$1403	$234
Failure to wear a seat belt	$1505	$256
Driving without lights	$1521	$253
Child safety restraint	$1529	$260
Two comp claims	$1529	$255
Failure to show documents	$1552	$264
Speeding 6 - 10 MPH over limit	$1584	$264
Driving with expired registration	$1592	$271
Speeding 11 - 15 MPH over limit	$1624	$271
Driving too slowly	$1632	$277
Failure to yield	$1632	$272
Illegal turn	$1632	$277
At-fault accident - less than $1000	$1646	$275
Failure to stop at a red light	$1646	$280
Following too closely	$1646	$275
Speeding 16 - 20 MPH over limit	$1654	$281
Speeding in school zone	$1654	$276
Improper passing	$1662	$282
Wrong way/wrong lane	$1662	$277
Cell phone violation	$1694	$288
Texting while driving	$1694	$282
Passing school bus	$1709	$290
In 65 MPH zone	$1717	$286
Speeding 21 - 25 MPH over limit	$1733	$294
Operating a vehicle without permission	$1765	$294
At-fault accident - $1000-$2000	$1874	$318
At-fault accident - greater than $2000	$1905	$318
Open container	$1968	$335
Reckless driving	$2282	$380
Racing	$2305	$392
Driving with a suspended license	$2352	$392
Refusal to submit to a chemical test	$2368	$403
DUI	$2376	$396
Leaving scene of an accident/hit and run	$2400	$408

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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 Stickney 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 Stickney.

The cheapest car insurance premiums in Stickney are offered by Mercury at $298 for a six-month policy. However, it can be as expensive as $3363 with companies like Farmers.

Stickney car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$298	$50
Travelers	$800	$135
Erie	$925	$156
Progressive	$965	$162
Country Financial	$1216	$205
American Family	$1482	$249
State Farm	$1608	$271
USAA	$1882	$317
Allstate	$2955	$498
Farmers	$3363	$572

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 Stickney are offered by Westfield at $251. However, it can be as expensive as $6163 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Stickney after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$251	$42
Auto-Owners Insurance Co	$282	$48
Mercury	$306	$51
Erie	$329	$55
Hanover	$376	$63
Country Financial	$792	$133
USAA	$1027	$172
State Farm	$1403	$239
Travelers	$1592	$265
Progressive	$1646	$280
American Family	$1827	$308
Allstate	$5238	$891
Farmers	$6163	$1027

Car Insurance Price Trends in Stickney, Illinois

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

The average cost of full coverage in the Stickney rose by $255 in December compared to $252 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 Stickney rose to $70 in December, compared to $67 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 Stickney?

The car insurance in Stickney is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Stickney?

The cheapest car insurance in Stickney is $100 per month for full coverage.

How much is car insurance in Stickney for teenagers?

Car insurance for teenagers costs $251 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 Stickney?

The average cost of car insurance is $869 for a six-month policy. It will cost around $191 per month to insure your car in Stickney.

Is car insurance expensive in Stickney?

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

Cheapest Car Insurance Quotes in Stickney

Why you can trust Way?

How Much Is Car Insurance in Stickney

Avg. Car Insurance in Stickney

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Stickney

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Stickney Car Insurance Rates by Company

Cheap Car Insurance Companies in Stickney, IL

Way's key takeaways about car insurance in Stickney

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stickney

Cheapest Liability Coverage in Stickney, IL

Cheapest Full Coverage Car Insurance in Stickney

Cheapest Full Coverage Car Insurance Quotes in Stickney, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stickney by Rating Factor

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

Car Insurance Premiums by Age in Stickney

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stickney,IL

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

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 Stickney

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

Stickney Car Insurance Rates by Violation

Stickney auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stickney after a DUI

Stickney car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stickney after Speeding ticket

Car Insurance Price Trends in Stickney, Illinois

Average Car Insurance Cost in Stickney by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stickney, IL

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

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