Cheapest Car Insurance Quotes in Stone Park

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Stone Park Car Insurance

^$ 36

/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 Stone Park

The car insurance rate in Stone Park is $1246 for a six-month policy, which is $375 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $509, making it a popular choice for budget-conscious drivers. Rates in Stone Park 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 Stone Park

$1246

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Stone Park

1st place: American Family

At $509 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 $638 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $722 for six months, making it the third cheapest auto insurance company in Stone Park.

Stone Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stone Park, IL is American Family, offering policies at just $509 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $638.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1343 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stone Park drivers find the best deals.

Cheap Car Insurance Companies in Stone Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$509	$87
Auto-Owners Insurance Co	$638	$106
Westfield	$722	$123
Travelers	$925	$156
Country Financial	$985	$166
Erie	$1147	$193
USAA	$1367	$230
Auto-Owners	$1410	$237
Progressive	$1444	$243
State Farm	$1554	$262
Farmers	$1707	$290
Allstate	$2455	$413
Hanover	$1343	$223

Key Takeaways

Way's key takeaways about car insurance in Stone Park

The auto insurance costs in Stone Park fall around $509 for six months.
The cheapest auto insurance company in Stone Park is Mercury.
Teen drivers pay the highest rate in Stone Park at $83 per month.

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

Cheapest Minimum Liability Car Insurance in Stone Park

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 Stone Park are given below.

Mercury provides the cheapest minimum car insurance coverage in Stone Park. Their Average 6 Month Premium is $213. AAA is the most expensive at $365 for the same period.

Cheapest Liability Coverage in Stone Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$213	$36
Westfield	$229	$39
Auto-Owners Insurance Co	$272	$46
American Family	$289	$49
Erie	$356	$60
Travelers	$390	$66
Auto-Owners	$399	$67
Country Financial	$399	$67
USAA	$493	$83
State Farm	$526	$89
Progressive	$552	$93
Allstate	$815	$137
Farmers	$1062	$180
Hanover	$255	$43
AAA	$365	$61

Cheapest Full Coverage Car Insurance in Stone Park

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 Stone Park is American Family at $87 per month and $509 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stone Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$509	$87
Auto-Owners Insurance Co	$638	$106
Westfield	$722	$123
Travelers	$925	$156
Country Financial	$985	$166
Erie	$1147	$193
USAA	$1367	$230
Auto-Owners	$1410	$237
Progressive	$1444	$243
State Farm	$1554	$262
Farmers	$1707	$290
Allstate	$2455	$413
Hanover	$1343	$223

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Average Car Insurance in Stone Park 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 Stone Park, IL increasing?

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

Car Insurance Premiums by Age in Stone Park

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 Stone Park,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Stone Park at $46 per month. At $485 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$272	$46
American Family	$315	$53
Mercury	$315	$53
Auto-Owners Insurance Co	$340	$57
Farmers	$552	$92
Country Financial	$1546	$260
Travelers	$1614	$272
Erie	$1835	$309
USAA	$2786	$469
Auto-Owners	$3042	$518
Progressive	$4281	$721
State Farm	$5292	$891
Allstate	$5776	$972
AAA	$485	$83

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 Stone Park, Mercury is the cheapest car insurance provider. At $323 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 Stone Park is Farmers, offering rates of around $4154 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$323	$54
Westfield	$425	$72
American Family	$535	$92
Hanover	$569	$94
Travelers	$1020	$172
Country Financial	$1147	$193
Progressive	$1419	$239
USAA	$2514	$419
Erie	$2736	$465
Auto-Owners	$3891	$648
Allstate	$4452	$756
State Farm	$6642	$1107
Farmers	$4154	$706

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Car Insurance Rates with An Accident in Stone Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Stone Park

The cheapest car insurance companies after an at-fault accident in Stone Park include American Family and AutoOwners Insurance Co, offering $340 and $356, respectively. AAA is an expensive provider with an average six-month premium of $603.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$340	$57
Auto-Owners Insurance Co	$356	$60
Westfield	$365	$61
Mercury	$468	$80
Farmers	$696	$116
Travelers	$858	$144
Erie	$1062	$179
Country Financial	$1130	$190
State Farm	$1427	$240
USAA	$1529	$257
Auto-Owners	$1597	$266
Progressive	$2158	$363
Allstate	$4187	$705
AAA	$603	$103

Stone Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stone Park IL. For example, the car insurance in Stone Park after a DUI increases to $1173 for a six month policy. While the rate increases by $315 for a six-month policy in the case of a speeding ticket.

Stone Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1401	$233
One Med/PIP claim	$1410	$240
Not-at-fault accident	$1487	$247
One comp claim	$1520	$259
Two Med/PIP claims	$1520	$253
Failure to wear a seat belt	$1630	$277
Driving without lights	$1647	$275
Child safety restraint	$1656	$282
Two comp claims	$1656	$276
Failure to show documents	$1682	$286
Speeding 6 - 10 MPH over limit	$1716	$286
Driving with expired registration	$1725	$293
Speeding 11 - 15 MPH over limit	$1759	$293
Driving too slowly	$1767	$300
Failure to yield	$1767	$295
Illegal turn	$1767	$300
At-fault accident - less than $1000	$1783	$297
Failure to stop at a red light	$1783	$303
Following too closely	$1783	$297
Speeding 16 - 20 MPH over limit	$1792	$305
Speeding in school zone	$1792	$299
Improper passing	$1800	$306
Wrong way/wrong lane	$1800	$300
Cell phone violation	$1835	$312
Texting while driving	$1835	$306
Passing school bus	$1852	$315
In 65 MPH zone	$1860	$310
Speeding 21 - 25 MPH over limit	$1878	$319
Operating a vehicle without permission	$1912	$319
At-fault accident - $1000-$2000	$2031	$345
At-fault accident - greater than $2000	$2063	$345
Open container	$2132	$363
Reckless driving	$2472	$412
Racing	$2497	$425
Driving with a suspended license	$2548	$425
Refusal to submit to a chemical test	$2565	$436
DUI	$2574	$429
Leaving scene of an accident/hit and run	$2600	$442

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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 Stone Park 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 Stone Park.

The cheapest car insurance premiums in Stone Park are offered by Mercury at $323 for a six-month policy. However, it can be as expensive as $3644 with companies like Farmers.

Stone Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$323	$54
American Family	$340	$57
Travelers	$909	$153
Progressive	$1095	$184
Erie	$1308	$220
Country Financial	$1520	$256
USAA	$2089	$352
State Farm	$2149	$362
Auto-Owners	$2268	$386
Allstate	$3602	$606
Farmers	$3644	$619

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 Stone Park are offered by Westfield at $272. However, it can be as expensive as $6677 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Stone Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$272	$46
Auto-Owners Insurance Co	$306	$51
Mercury	$332	$56
American Family	$340	$57
Hanover	$408	$69
Erie	$849	$143
Country Financial	$1020	$172
Travelers	$1291	$215
Auto-Owners	$1308	$223
State Farm	$1639	$273
USAA	$1809	$307
Progressive	$1852	$309
Allstate	$3857	$656
Farmers	$6677	$1113

Car Insurance Price Trends in Stone Park, Illinois

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

The average cost of full coverage in the Stone Park dipped by $242 in January compared to $276 of December. In other words, there has been an decrease by $34 when you compare January and December.

The average cost of liability insurance in the Stone Park dipped to $73 in January, compared to $76 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 Stone Park?

The car insurance in Stone Park is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Stone Park?

The cheapest car insurance in Stone Park is $87 per month for full coverage.

How much is car insurance in Stone Park for teenagers?

Car insurance for teenagers costs $272 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 Stone Park?

The average cost of car insurance is $871 for a six-month policy. It will cost around $209 per month to insure your car in Stone Park.

Is car insurance expensive in Stone Park?

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

Cheapest Car Insurance Quotes in Stone Park

Why you can trust Way?

How Much Is Car Insurance in Stone Park

Avg. Car Insurance in Stone Park

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Stone Park

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Stone Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Stone Park, IL

Way's key takeaways about car insurance in Stone Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stone Park

Cheapest Liability Coverage in Stone Park, IL

Cheapest Full Coverage Car Insurance in Stone Park

Cheapest Full Coverage Car Insurance Quotes in Stone Park, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stone Park by Rating Factor

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

Car Insurance Premiums by Age in Stone Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stone Park,IL

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

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 Stone Park

Cheapest Car Insurance Companies after an At-Fault Accident in Stone Park

Stone Park Car Insurance Rates by Violation

Stone Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stone Park after a DUI

Stone Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stone Park after Speeding ticket

Car Insurance Price Trends in Stone Park, Illinois

Average Car Insurance Cost in Stone Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stone Park, IL

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

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