Cheapest Car Insurance Quotes in University Park

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University Park 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 University Park

The car insurance rate in University Park is $1025 for a six-month policy, which is $156 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $526, making it a popular choice for budget-conscious drivers. Rates in University 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 University Park

$1025

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in University Park

1st place: AutoOwners Insurance Co

At $526 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 $596 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 $624 for six months, making it the third cheapest auto insurance company in University Park.

University Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in University Park, IL is AutoOwners Insurance Co, offering policies at just $526 for a six-month term. This is followed by Westfield, which has an average six-month premium of $596.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $953 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help University Park drivers find the best deals.

Cheap Car Insurance Companies in University Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$526	$90
Westfield	$596	$99
Country Financial	$624	$105
Travelers	$743	$125
American Family	$863	$145
Erie	$904	$151
USAA	$1066	$179
State Farm	$1073	$181
Progressive	$1178	$198
Auto-Owners	$1240	$207
Allstate	$1781	$300
Farmers	$1781	$300
Hanover	$1108	$184
Mercury	$946	$158
Hastings Mutual	$953	$162

Key Takeaways

Way's key takeaways about car insurance in University Park

The auto insurance costs in University Park fall around $526 for six months.
The cheapest auto insurance company in University Park is Mercury.
Teen drivers pay the highest rate in University Park at $68 per month.

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

Cheapest Minimum Liability Car Insurance in University 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 University Park are given below.

Mercury provides the cheapest minimum car insurance coverage in University Park. Their Average 6 Month Premium is $176. First Chicago is the most expensive at $231 for the same period.

Cheapest Liability Coverage in University Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$176	$30
Westfield	$189	$32
Auto-Owners Insurance Co	$224	$38
Country Financial	$238	$40
Erie	$294	$50
Auto-Owners	$322	$54
Travelers	$322	$54
American Family	$372	$63
State Farm	$372	$63
USAA	$393	$66
Progressive	$455	$77
Allstate	$715	$120
Farmers	$877	$149
Hanover	$210	$35
AAA	$301	$51
First Chicago	$231	$39

Cheapest Full Coverage Car Insurance in University 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 University Park is AutoOwners Insurance Co at $90 per month and $526 for six months.

Cheapest Full Coverage Car Insurance Quotes in University Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$526	$90
Westfield	$596	$99
Country Financial	$624	$105
Travelers	$743	$125
American Family	$863	$145
Erie	$904	$151
USAA	$1066	$179
State Farm	$1073	$181
Progressive	$1178	$198
Auto-Owners	$1240	$207
Allstate	$1781	$300
Farmers	$1781	$300
Hanover	$1108	$184
Mercury	$946	$158
Hastings Mutual	$953	$162

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Average Car Insurance in University 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 University Park, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in University 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, University 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 University 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$834
30s	Auto-Owners	$577
40s	Auto-Owners	$566
50s	Auto-Owners	$535
60s	Auto-Owners	$562
70s	Auto-Owners	$713

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the University Park at $38 per month. At $400 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$224	$38
Mercury	$260	$44
Auto-Owners Insurance Co	$281	$47
Country Financial	$953	$160
Erie	$1171	$197
Travelers	$1240	$209
USAA	$2159	$363
American Family	$2587	$435
State Farm	$3722	$627
Progressive	$3729	$628
Allstate	$4332	$729
Farmers	$4408	$742
AAA	$400	$68

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 University Park.

As young drivers face the highest rates in University Park, AutoOwners offers the cheapest auto insurance rates at $834 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 University Park, Mercury is the cheapest car insurance provider. At $267 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 University Park is State Farm, offering rates of around $3666 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$267	$45
Westfield	$350	$60
Hanover	$470	$78
Country Financial	$701	$118
Travelers	$778	$131
Progressive	$1114	$188
American Family	$1366	$230
USAA	$1815	$309
Allstate	$2980	$497
Farmers	$3428	$583
State Farm	$3666	$611

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

Car Insurance Rates with An Accident in University 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 University Park, IL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in University Park include AutoOwners Insurance Co and Westfield, offering $294 and $301, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $350.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$294	$50
Westfield	$301	$51
Mercury	$386	$64
Travelers	$673	$113
Erie	$680	$114
Country Financial	$687	$116
State Farm	$1016	$171
USAA	$1044	$176
American Family	$1171	$197
Progressive	$1690	$284
Farmers	$1864	$314
Allstate	$3092	$520
AAA	$498	$85
First Chicago	$322	$54
Hastings Mutual	$350	$60

University Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in University Park IL. For example, the car insurance in University Park after a DUI increases to $968 for a six month policy. While the rate increases by $260 for a six-month policy in the case of a speeding ticket.

University Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1156	$192
One Med/PIP claim	$1163	$198
Not-at-fault accident	$1227	$204
One comp claim	$1254	$214
Two Med/PIP claims	$1254	$209
Failure to wear a seat belt	$1345	$229
Driving without lights	$1359	$227
Child safety restraint	$1366	$232
Two comp claims	$1366	$228
Failure to show documents	$1388	$236
Speeding 6 - 10 MPH over limit	$1416	$236
Driving with expired registration	$1423	$242
Speeding 11 - 15 MPH over limit	$1451	$242
Driving too slowly	$1458	$248
Failure to yield	$1458	$243
Illegal turn	$1458	$248
At-fault accident - less than $1000	$1471	$245
Failure to stop at a red light	$1471	$250
Following too closely	$1471	$245
Speeding 16 - 20 MPH over limit	$1479	$251
Speeding in school zone	$1479	$247
Improper passing	$1486	$253
Wrong way/wrong lane	$1486	$248
Cell phone violation	$1514	$257
Texting while driving	$1514	$253
Passing school bus	$1528	$260
In 65 MPH zone	$1535	$256
Speeding 21 - 25 MPH over limit	$1549	$263
Operating a vehicle without permission	$1578	$263
At-fault accident - $1000-$2000	$1676	$284
At-fault accident - greater than $2000	$1703	$284
Open container	$1759	$300
Reckless driving	$2040	$340
Racing	$2060	$350
Driving with a suspended license	$2103	$350
Refusal to submit to a chemical test	$2117	$360
DUI	$2124	$354
Leaving scene of an accident/hit and run	$2145	$365

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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 University 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 University Park.

The cheapest car insurance premiums in University Park are offered by Mercury at $267 for a six-month policy. However, it can be as expensive as $3007 with companies like Farmers.

University Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$267	$45
Travelers	$715	$120
Erie	$827	$139
Progressive	$863	$145
Country Financial	$1087	$183
American Family	$1325	$223
State Farm	$1437	$242
USAA	$1683	$283
Allstate	$2642	$445
Farmers	$3007	$511

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 University Park are offered by Westfield at $224. However, it can be as expensive as $5509 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in University Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$224	$38
Auto-Owners Insurance Co	$253	$42
Mercury	$274	$46
Erie	$294	$50
Hanover	$336	$57
Country Financial	$708	$119
USAA	$918	$153
State Farm	$1254	$214
Travelers	$1423	$237
Progressive	$1471	$250
American Family	$1633	$275
Allstate	$4682	$797
Farmers	$5509	$918

Car Insurance Price Trends in University Park, Illinois

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

The average cost of full coverage in the University Park rose by $228 in December compared to $225 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 University Park rose to $63 in December, compared to $60 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 University Park?

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

What is the cheapest car insurance in University Park?

The cheapest car insurance in University Park is $90 per month for full coverage.

How much is car insurance in University Park for teenagers?

Car insurance for teenagers costs $224 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 University Park?

The average cost of car insurance is $869 for a six-month policy. It will cost around $171 per month to insure your car in University Park.

Is car insurance expensive in University Park?

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

Cheapest Car Insurance Quotes in University Park

Why you can trust Way?

How Much Is Car Insurance in University Park

Avg. Car Insurance in University Park

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in University Park

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

University Park Car Insurance Rates by Company

Cheap Car Insurance Companies in University Park, IL

Way's key takeaways about car insurance in University Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in University Park

Cheapest Liability Coverage in University Park, IL

Cheapest Full Coverage Car Insurance in University Park

Cheapest Full Coverage Car Insurance Quotes in University Park, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in University Park by Rating Factor

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

Car Insurance Premiums by Age in University Park

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties AutoOwners is the best choice for car insurance in University 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 University Park

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

University Park Car Insurance Rates by Violation

University Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in University Park after a DUI

University Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in University Park after Speeding ticket

Car Insurance Price Trends in University Park, Illinois

Average Car Insurance Cost in University Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near University Park, IL

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

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