Cheapest Car Insurance Quotes in University Park

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University Park Car Insurance

^$ 31

/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 $1080 for a six-month policy, which is $209 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $441, 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

$1080

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in University Park

1st place: American Family

At $441 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 $553 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $626 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 American Family, offering policies at just $441 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $553.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1164 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
American Family	$441	$76
Auto-Owners Insurance Co	$553	$92
Westfield	$626	$107
Travelers	$802	$135
Country Financial	$854	$144
Erie	$994	$167
USAA	$1185	$200
Auto-Owners	$1223	$206
Progressive	$1252	$211
State Farm	$1348	$227
Farmers	$1481	$252
Allstate	$2129	$358
Hanover	$1164	$193

Key Takeaways

Way's key takeaways about car insurance in University Park

The auto insurance costs in University Park fall around $441 for six months.
The cheapest auto insurance company in University Park is Mercury.
Teen drivers pay the highest rate in University Park at $72 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 $185. AAA is the most expensive at $316 for the same period.

Cheapest Liability Coverage in University Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$185	$31
Westfield	$198	$33
Auto-Owners Insurance Co	$236	$40
American Family	$250	$42
Erie	$309	$52
Travelers	$339	$57
Auto-Owners	$346	$58
Country Financial	$346	$58
USAA	$428	$72
State Farm	$456	$77
Progressive	$479	$81
Allstate	$707	$119
Farmers	$921	$156
Hanover	$221	$37
AAA	$316	$53

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 American Family at $76 per month and $441 for six months.

Cheapest Full Coverage Car Insurance Quotes in University Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$441	$76
Auto-Owners Insurance Co	$553	$92
Westfield	$626	$107
Travelers	$802	$135
Country Financial	$854	$144
Erie	$994	$167
USAA	$1185	$200
Auto-Owners	$1223	$206
Progressive	$1252	$211
State Farm	$1348	$227
Farmers	$1481	$252
Allstate	$2129	$358
Hanover	$1164	$193

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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

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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 $40 per month. At $420 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$236	$40
American Family	$273	$46
Mercury	$273	$46
Auto-Owners Insurance Co	$295	$50
Farmers	$479	$79
Country Financial	$1340	$226
Travelers	$1400	$236
Erie	$1591	$268
USAA	$2416	$407
Auto-Owners	$2637	$449
Progressive	$3713	$625
State Farm	$4589	$773
Allstate	$5008	$843
AAA	$420	$72

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 University Park, Mercury is the cheapest car insurance provider. At $280 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 Farmers, offering rates of around $3602 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$280	$47
Westfield	$368	$62
American Family	$464	$79
Hanover	$494	$82
Travelers	$884	$149
Country Financial	$994	$167
Progressive	$1230	$207
USAA	$2180	$363
Erie	$2372	$403
Auto-Owners	$3374	$562
Allstate	$3860	$656
State Farm	$5760	$960
Farmers	$3602	$613

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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 American Family and AutoOwners Insurance Co, offering $295 and $309, respectively. AAA is an expensive provider with an average six-month premium of $523.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$295	$50
Auto-Owners Insurance Co	$309	$52
Westfield	$316	$53
Mercury	$405	$69
Farmers	$604	$100
Travelers	$744	$125
Erie	$921	$155
Country Financial	$980	$165
State Farm	$1238	$208
USAA	$1326	$223
Auto-Owners	$1385	$231
Progressive	$1871	$315
Allstate	$3631	$611
AAA	$523	$89

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 $1017 for a six month policy. While the rate increases by $273 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	$1215	$202
One Med/PIP claim	$1223	$208
Not-at-fault accident	$1290	$215
One comp claim	$1318	$224
Two Med/PIP claims	$1318	$219
Failure to wear a seat belt	$1414	$241
Driving without lights	$1428	$238
Child safety restraint	$1436	$244
Two comp claims	$1436	$239
Failure to show documents	$1458	$248
Speeding 6 - 10 MPH over limit	$1488	$248
Driving with expired registration	$1495	$254
Speeding 11 - 15 MPH over limit	$1525	$254
Driving too slowly	$1533	$260
Failure to yield	$1533	$255
Illegal turn	$1533	$260
At-fault accident - less than $1000	$1546	$258
Failure to stop at a red light	$1546	$263
Following too closely	$1546	$258
Speeding 16 - 20 MPH over limit	$1554	$264
Speeding in school zone	$1554	$259
Improper passing	$1561	$265
Wrong way/wrong lane	$1561	$260
Cell phone violation	$1591	$270
Texting while driving	$1591	$265
Passing school bus	$1606	$273
In 65 MPH zone	$1613	$269
Speeding 21 - 25 MPH over limit	$1628	$277
Operating a vehicle without permission	$1658	$277
At-fault accident - $1000-$2000	$1761	$299
At-fault accident - greater than $2000	$1789	$299
Open container	$1849	$315
Reckless driving	$2144	$357
Racing	$2165	$368
Driving with a suspended license	$2210	$368
Refusal to submit to a chemical test	$2225	$378
DUI	$2232	$372
Leaving scene of an accident/hit and run	$2254	$383

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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 $280 for a six-month policy. However, it can be as expensive as $3160 with companies like Farmers.

University Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$280	$47
American Family	$295	$50
Travelers	$789	$133
Progressive	$950	$160
Erie	$1135	$191
Country Financial	$1318	$222
USAA	$1812	$305
State Farm	$1864	$314
Auto-Owners	$1967	$335
Allstate	$3124	$526
Farmers	$3160	$537

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 $236. However, it can be as expensive as $5790 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	$236	$40
Auto-Owners Insurance Co	$265	$45
Mercury	$288	$48
American Family	$295	$50
Hanover	$353	$60
Erie	$737	$124
Country Financial	$884	$149
Travelers	$1120	$186
Auto-Owners	$1135	$193
State Farm	$1421	$237
USAA	$1569	$267
Progressive	$1606	$268
Allstate	$3344	$569
Farmers	$5790	$965

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 dipped by $210 in January compared to $239 of December. In other words, there has been an decrease by $29 when you compare January and December.

The average cost of liability insurance in the University Park dipped to $63 in January, compared to $66 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 University Park?

The car insurance in University Park is $31 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 $76 per month for full coverage.

How much is car insurance in University Park for teenagers?

Car insurance for teenagers costs $236 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 $871 for a six-month policy. It will cost around $181 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: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

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 N/A 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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