Cheapest Car Insurance Quotes in Washington Park

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Washington Park Car Insurance

^$ 35

/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 Washington Park

The car insurance rate in Washington Park is $1219 for a six-month policy, which is $348 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $498, making it a popular choice for budget-conscious drivers. Rates in Washington 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 Washington Park

$1219

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Washington Park

1st place: American Family

At $498 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 $624 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $707 for six months, making it the third cheapest auto insurance company in Washington Park.

Washington Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Washington Park, IL is American Family, offering policies at just $498 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $624.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1315 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Washington Park drivers find the best deals.

Cheap Car Insurance Companies in Washington Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$498	$85
Auto-Owners Insurance Co	$624	$104
Westfield	$707	$120
Travelers	$906	$153
Country Financial	$965	$162
Erie	$1123	$189
USAA	$1338	$225
Auto-Owners	$1380	$232
Progressive	$1414	$238
State Farm	$1522	$256
Farmers	$1672	$284
Allstate	$2404	$405
Hanover	$1315	$218

Key Takeaways

Way's key takeaways about car insurance in Washington Park

The auto insurance costs in Washington Park fall around $498 for six months.
The cheapest auto insurance company in Washington Park is Mercury.
Teen drivers pay the highest rate in Washington Park at $81 per month.

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

Mercury provides the cheapest minimum car insurance coverage in Washington Park. Their Average 6 Month Premium is $209. AAA is the most expensive at $357 for the same period.

Cheapest Liability Coverage in Washington Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$209	$35
Westfield	$224	$38
Auto-Owners Insurance Co	$266	$45
American Family	$283	$48
Erie	$349	$59
Travelers	$382	$64
Auto-Owners	$391	$66
Country Financial	$391	$66
USAA	$483	$81
State Farm	$515	$87
Progressive	$540	$91
Allstate	$798	$134
Farmers	$1040	$176
Hanover	$249	$42
AAA	$357	$60

Cheapest Full Coverage Car Insurance in Washington 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 Washington Park is American Family at $85 per month and $498 for six months.

Cheapest Full Coverage Car Insurance Quotes in Washington Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$498	$85
Auto-Owners Insurance Co	$624	$104
Westfield	$707	$120
Travelers	$906	$153
Country Financial	$965	$162
Erie	$1123	$189
USAA	$1338	$225
Auto-Owners	$1380	$232
Progressive	$1414	$238
State Farm	$1522	$256
Farmers	$1672	$284
Allstate	$2404	$405
Hanover	$1315	$218

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Average Car Insurance in Washington 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 Washington Park, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Washington 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, Washington 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 Washington 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 Washington Park,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Washington Park at $45 per month. At $475 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$266	$45
American Family	$308	$52
Mercury	$308	$52
Auto-Owners Insurance Co	$333	$56
Farmers	$540	$90
Country Financial	$1513	$255
Travelers	$1581	$266
Erie	$1796	$302
USAA	$2727	$459
Auto-Owners	$2978	$507
Progressive	$4192	$706
State Farm	$5181	$872
Allstate	$5655	$952
AAA	$475	$81

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 Washington Park, Mercury is the cheapest car insurance provider. At $316 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 Washington Park is Farmers, offering rates of around $4067 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$316	$53
Westfield	$416	$70
American Family	$524	$90
Hanover	$557	$92
Travelers	$998	$168
Country Financial	$1123	$189
Progressive	$1389	$234
USAA	$2461	$410
Erie	$2678	$455
Auto-Owners	$3809	$634
Allstate	$4358	$741
State Farm	$6503	$1084
Farmers	$4067	$692

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

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

The cheapest car insurance companies after an at-fault accident in Washington Park include American Family and AutoOwners Insurance Co, offering $333 and $349, respectively. AAA is an expensive provider with an average six-month premium of $591.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$333	$56
Auto-Owners Insurance Co	$349	$59
Westfield	$357	$60
Mercury	$458	$78
Farmers	$682	$113
Travelers	$840	$141
Erie	$1040	$175
Country Financial	$1106	$186
State Farm	$1397	$235
USAA	$1497	$252
Auto-Owners	$1564	$260
Progressive	$2113	$356
Allstate	$4099	$690
AAA	$591	$101

Washington Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Washington Park IL. For example, the car insurance in Washington Park after a DUI increases to $1148 for a six month policy. While the rate increases by $308 for a six-month policy in the case of a speeding ticket.

Washington Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1372	$228
One Med/PIP claim	$1380	$235
Not-at-fault accident	$1456	$242
One comp claim	$1488	$253
Two Med/PIP claims	$1488	$248
Failure to wear a seat belt	$1596	$272
Driving without lights	$1613	$269
Child safety restraint	$1621	$276
Two comp claims	$1621	$270
Failure to show documents	$1646	$280
Speeding 6 - 10 MPH over limit	$1680	$280
Driving with expired registration	$1688	$287
Speeding 11 - 15 MPH over limit	$1722	$287
Driving too slowly	$1730	$294
Failure to yield	$1730	$288
Illegal turn	$1730	$294
At-fault accident - less than $1000	$1746	$291
Failure to stop at a red light	$1746	$297
Following too closely	$1746	$291
Speeding 16 - 20 MPH over limit	$1754	$298
Speeding in school zone	$1754	$293
Improper passing	$1763	$300
Wrong way/wrong lane	$1763	$294
Cell phone violation	$1796	$305
Texting while driving	$1796	$300
Passing school bus	$1813	$308
In 65 MPH zone	$1821	$304
Speeding 21 - 25 MPH over limit	$1838	$312
Operating a vehicle without permission	$1872	$312
At-fault accident - $1000-$2000	$1988	$337
At-fault accident - greater than $2000	$2020	$337
Open container	$2087	$356
Reckless driving	$2421	$403
Racing	$2444	$416
Driving with a suspended license	$2495	$416
Refusal to submit to a chemical test	$2512	$427
DUI	$2520	$420
Leaving scene of an accident/hit and run	$2545	$433

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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 Washington 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 Washington Park.

The cheapest car insurance premiums in Washington Park are offered by Mercury at $316 for a six-month policy. However, it can be as expensive as $3567 with companies like Farmers.

Washington Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$316	$53
American Family	$333	$56
Travelers	$890	$150
Progressive	$1072	$181
Erie	$1281	$216
Country Financial	$1488	$251
USAA	$2045	$344
State Farm	$2104	$354
Auto-Owners	$2220	$378
Allstate	$3527	$594
Farmers	$3567	$606

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 Washington Park are offered by Westfield at $266. However, it can be as expensive as $6537 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Washington Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$266	$45
Auto-Owners Insurance Co	$300	$50
Mercury	$325	$55
American Family	$333	$56
Hanover	$399	$67
Erie	$832	$140
Country Financial	$998	$168
Travelers	$1264	$210
Auto-Owners	$1281	$218
State Farm	$1604	$267
USAA	$1771	$301
Progressive	$1813	$302
Allstate	$3776	$643
Farmers	$6537	$1089

Car Insurance Price Trends in Washington Park, Illinois

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

The average cost of full coverage in the Washington Park dipped by $237 in January compared to $270 of December. In other words, there has been an decrease by $33 when you compare January and December.

The average cost of liability insurance in the Washington Park dipped to $71 in January, compared to $74 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 Washington Park?

The car insurance in Washington Park is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Washington Park?

The cheapest car insurance in Washington Park is $85 per month for full coverage.

How much is car insurance in Washington Park for teenagers?

Car insurance for teenagers costs $266 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 Washington Park?

The average cost of car insurance is $871 for a six-month policy. It will cost around $204 per month to insure your car in Washington Park.

Is car insurance expensive in Washington Park?

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

Cheapest Car Insurance Quotes in Washington Park

Why you can trust Way?

How Much Is Car Insurance in Washington Park

Avg. Car Insurance in Washington Park

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Washington Park

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Washington Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Washington Park, IL

Way's key takeaways about car insurance in Washington Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Washington Park

Cheapest Liability Coverage in Washington Park, IL

Cheapest Full Coverage Car Insurance in Washington Park

Cheapest Full Coverage Car Insurance Quotes in Washington Park, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Washington Park by Rating Factor

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

Car Insurance Premiums by Age in Washington Park

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Washington Park Car Insurance Rates by Violation

Washington Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Washington Park after a DUI

Washington Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Washington Park after Speeding ticket

Car Insurance Price Trends in Washington Park, Illinois

Average Car Insurance Cost in Washington Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Washington Park, IL

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

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