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Cheapest Car Insurance Quotes in Country Club Hills

  • Finding the cheapest car insurance quotes in Country Club Hills shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
  • We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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406,175 Policies Sold
Country Club Hills Car Insurance
$ 44

/mo

Sara Sam
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.

How Much Is Car Insurance in Country Club Hills

The car insurance rate in Country Club Hills is $1746 for a six-month policy, which is $582 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $749, making it a popular choice for budget-conscious drivers. Rates in Country Club Hills 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 Country Club Hills

$1746

National Average

$1278

Cheapest Car Insurance Companies in Country Club Hills

1st place: American Family

At $749 for a six month policy, American Family offers the cheapest auto insurance rates in the city. 

2nd place: USAA

USAA offers auto insurance rates at $1007 for a six-month policy, making it one of the cheapest to insure with. 

3rd place: Travelers

Travelers offers auto insurance rates at $1034 for six months, making it the third cheapest auto insurance company in Country Club Hills.

Country Club Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Country Club Hills, MO is American Family, offering policies at just $749 for a six-month term. This is followed by USAA, which has an average six-month premium of $1007.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $4268 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Country Club Hills drivers find the best deals.

Cheap Car Insurance Companies in Country Club Hills, MO

Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $749 $128
USAA $1007 $170
Travelers $1034 $174
Encompass $1409 $234
Shelter $1452 $245
State Farm $1586 $267
Electric $1640 $279
Farm Bureau $1685 $281
Missouri Farm Bureau $1791 $305
Progressive $1854 $312
Allstate $1988 $335
Nationwide $2246 $374
Farmers $4268 $726
Key Takeaways

Way's key takeaways about car insurance in Country Club Hills

  • The auto insurance costs in Country Club Hills fall around $749 for six months. 
  • The cheapest auto insurance company in Country Club Hills is USAA.
  • Teen drivers pay the highest rate in Country Club Hills at $2330 per month.

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Cheapest Minimum Liability Car Insurance in Country Club Hills

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 Country Club Hills are given below. 

USAA provides the cheapest minimum car insurance coverage in Country Club Hills. Their Average 6 Month Premium is $258. Farmers is the most expensive at $1533 for the same period. 

Cheapest Liability Coverage in Country Club Hills, MO

Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $258 $44
Missouri Farm Bureau $285 $48
Electric $366 $62
Travelers $374 $63
Farm Bureau $383 $65
American Family $401 $68
Encompass $419 $71
Progressive $428 $72
Shelter $525 $89
State Farm $561 $95
Nationwide $900 $150
Allstate $936 $158
Farmers $1533 $255

Cheapest Full Coverage Car Insurance in Country Club Hills

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 Country Club Hills is American Family at $128 per month and $749 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Country Club Hills, MO

Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $749 $128
USAA $1007 $170
Travelers $1034 $174
Encompass $1409 $234
Shelter $1452 $245
State Farm $1586 $267
Electric $1640 $279
Farm Bureau $1685 $281
Missouri Farm Bureau $1791 $305
Progressive $1854 $312
Allstate $1988 $335
Nationwide $2246 $374
Farmers $4268 $726

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Average Car Insurance in Country Club Hills 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 Country Club Hills, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Country Club Hills, Missouri, may be increasing due to several external factors. Missouri has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Country Club Hills's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs. 

Cheapest Car Insurance Rates for Teen Drivers in Country Club Hills,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Country Club Hills at $63 per month. At $13980 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Missouri Farm Bureau $374 $63
American Family $428 $72
Travelers $1622 $273
USAA $1640 $276
Progressive $3128 $527
State Farm $3225 $543
Shelter $3600 $606
Farm Bureau $4376 $744
Allstate $5685 $957
Nationwide $6852 $1166
Farmers $13980 $2330

Teen Car Insurance Rates in MO by Age

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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 Country Club Hills, Kemper is the cheapest car insurance provider. At $686 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 Country Club Hills is Farmers, offering rates of around $8679 for six months. 

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Kemper $686 $117
American Family $731 $122
Nationwide $846 $144
Travelers $1364 $230
USAA $1577 $269
Progressive $1988 $335
Shelter $2282 $384
Farm Bureau $2834 $473
Allstate $3324 $560
State Farm $6015 $1002
Farmers $8679 $1476

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Save up to $971/yr on car insurance rates in Country Club Hills.

Car Insurance Rates with An Accident in Country Club Hills

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 Country Club Hills, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Country Club Hills

The cheapest car insurance companies after an at-fault accident in Country Club Hills include Missouri Farm Bureau and Electric, offering $312 and $446, respectively. Farmers is an expensive provider with an average six-month premium of $6086.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Missouri Farm Bureau $312 $53
Electric $446 $77
American Family $491 $81
Encompass $570 $98
USAA $812 $137
Travelers $918 $155
Progressive $1346 $227
State Farm $1400 $236
Shelter $1568 $264
Farm Bureau $2174 $369
Nationwide $3324 $554
Allstate $4037 $680
Farmers $6086 $1014

Country Club Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Country Club Hills MO. For example, the car insurance in Country Club Hills after a DUI increases to $1212 for a six month policy. While the rate increases by $419 for a six-month policy in the case of a speeding ticket.  

Country Club Hills auto insurance quotes by violations

Accident/Violation Avg. 6 Mo Premium Avg. Monthly Premium
None $2397 $399
One Med/PIP claim $2397 $408
Not-at-fault accident $2468 $411
One comp claim $2486 $423
Two Med/PIP claims $2486 $414
Two comp claims $2646 $450
Failure to wear a seat belt $2718 $453
Failure to show documents $2727 $464
Child safety restraint $2771 $462
Driving without lights $2771 $471
Driving with expired registration $2789 $465
Cell phone violation $2807 $477
Driving too slowly $2807 $468
Following too closely $2807 $477
Speeding in school zone $2807 $468
Failure to yield $2816 $479
Speeding 11 - 15 MPH over limit $2816 $470
Speeding 16 - 20 MPH over limit $2816 $479
Speeding 6 - 10 MPH over limit $2816 $470
Texting while driving $2816 $479
Illegal turn $2825 $471
Wrong way/wrong lane $2825 $480
Failure to stop at a red light $2834 $473
Improper passing $2834 $482
Speeding 21 - 25 MPH over limit $2834 $473
In 65 MPH zone $2852 $485
Passing school bus $2904 $485
Open container $2994 $509
Operating a vehicle without permission $3065 $512
At-fault accident - less than $1000 $3315 $564
At-fault accident - $1000-$2000 $3501 $584
At-fault accident - greater than $2000 $3501 $596
Refusal to submit to a chemical test $3546 $591
DUI $3609 $614
Driving with a suspended license $3689 $615
Racing $3779 $642
Leaving scene of an accident/hit and run $3831 $639
Reckless driving $3876 $659

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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 Country Club Hills 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 Country Club Hills.

The cheapest car insurance premiums in Country Club Hills are offered by Missouri Farm Bureau at $374 for a six-month policy. However, it can be as expensive as $7805 with companies like Farmers.

Country Club Hills car insurance quotes with a DUI

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Missouri Farm Bureau $374 $63
American Family $482 $80
Kemper $597 $102
Travelers $963 $162
USAA $1230 $207
Progressive $1292 $218
Shelter $1746 $294
State Farm $1898 $320
Farm Bureau $2049 $348
Allstate $3306 $557
Nationwide $4143 $705
Farmers $7805 $1301

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 Country Club Hills are offered by American Family at $482. However, it can be as expensive as $5418 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Country Club Hills after Speeding ticket

Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $482 $83
Travelers $998 $168
USAA $1034 $176
Shelter $1149 $194
State Farm $1230 $207
Progressive $1497 $252
Farm Bureau $1737 $296
Allstate $3003 $501
Farmers $5418 $921

Car Insurance Price Trends in Country Club Hills, Missouri

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

The average cost of full coverage in the Country Club Hills rose by $335 in January compared to $195 of December. In other words, there has been an increase by $140 when you compare January and December.

The average cost of liability insurance in the Country Club Hills rose to $84 in January, compared to $72 in December. This represents an increase of $12 when comparing January and December.


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Frequently Asked Questions

How much is car insurance in Country Club Hills?

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The car insurance in Country Club Hills is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Country Club Hills?

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The cheapest car insurance in Country Club Hills is $128 per month for full coverage.

How much is car insurance in Country Club Hills for teenagers?

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Car insurance for teenagers costs $374 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 Country Club Hills?

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The average cost of car insurance is $1164 for a six-month policy. It will cost around $294 per month to insure your car in Country Club Hills.

Is car insurance expensive in Country Club Hills?

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

What is the best car insurance in Country Club Hills, MO?

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The best car insurance company in Country Club Hills MO is American Family, offering $749 for a six-month policy.

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