Cheapest Car Insurance Quotes in Arlington Heights

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Arlington Heights Car Insurance

^$ 23

/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 Arlington Heights

The car insurance rate in Arlington Heights is $802 for a six-month policy, which is $59 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $257, making it a popular choice for budget-conscious drivers. Rates in Arlington Heights 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 Arlington Heights

$802

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Arlington Heights

1st place: American Family

At $257 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 $410 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $642 for six months, making it the third cheapest auto insurance company in Arlington Heights.

Arlington Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Arlington Heights, OH is American Family, offering policies at just $257 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $410.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1231 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arlington Heights drivers find the best deals.

Cheap Car Insurance Companies in Arlington Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$257	$43
Auto-Owners Insurance Co	$410	$68
Travelers	$642	$109
State Farm	$654	$109
Hastings Mutual	$667	$113
USAA	$674	$113
Erie	$699	$118
Nationwide	$738	$124
Central Mutual	$777	$132
Progressive	$808	$136
Auto-Owners	$873	$148
Farmers	$949	$159
Westfield	$1117	$190
Cincinnati	$1167	$194
Grange	$1187	$202
Allstate	$1231	$207

Key Takeaways

Way's key takeaways about car insurance in Arlington Heights

The auto insurance costs in Arlington Heights fall around $257 for six months.
The cheapest auto insurance company in Arlington Heights is American Family.
Teen drivers pay the highest rate in Arlington Heights at $764 per month.

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

Cheapest Minimum Liability Car Insurance in Arlington Heights

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 Arlington Heights are given below.

American Family provides the cheapest minimum car insurance coverage in Arlington Heights. Their Average 6 Month Premium is $135. Allstate is the most expensive at $487 for the same period.

Cheapest Liability Coverage in Arlington Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$135	$23
Central Mutual	$148	$25
Auto-Owners Insurance Co	$161	$27
USAA	$186	$31
Erie	$199	$33
Westfield	$199	$33
State Farm	$212	$36
Progressive	$244	$41
Auto-Owners	$269	$45
Travelers	$269	$45
Nationwide	$327	$55
Farmers	$360	$59
Grange	$423	$72
Cincinnati	$449	$75
Allstate	$487	$82

Cheapest Full Coverage Car Insurance in Arlington Heights

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 Arlington Heights is American Family at $43 per month and $257 for six months.

Cheapest Full Coverage Car Insurance Quotes in Arlington Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$257	$43
Auto-Owners Insurance Co	$410	$68
Travelers	$642	$109
State Farm	$654	$109
Hastings Mutual	$667	$113
USAA	$674	$113
Erie	$699	$118
Nationwide	$738	$124
Central Mutual	$777	$132
Progressive	$808	$136
Auto-Owners	$873	$148
Farmers	$949	$159
Westfield	$1117	$190
Cincinnati	$1167	$194
Grange	$1187	$202
Allstate	$1231	$207

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Average Car Insurance in Arlington Heights 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 Arlington Heights, OH increasing?

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

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

Car Insurance Premiums by Age in Arlington Heights

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	USAA	$613
30s	USAA	$434
40s	USAA	$393
50s	USAA	$364
60s	USAA	$382
70s	USAA	$463

Cheapest Car Insurance Rates for Teen Drivers in Arlington Heights,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Arlington Heights at $24 per month. At $4491 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$141	$24
USAA	$866	$146
Erie	$995	$167
Travelers	$1161	$195
Westfield	$1296	$218
Progressive	$1867	$314
Nationwide	$2380	$401
Auto-Owners	$2540	$423
Allstate	$2598	$437
State Farm	$2662	$444
Cincinnati	$3374	$573
Grange	$3406	$568
Farmers	$4491	$764

Teen Car Insurance Rates in OH by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Arlington Heights.

As young drivers face the highest rates in Arlington Heights, USAA offers the cheapest auto insurance rates at $613 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 Arlington Heights, American Family is the cheapest car insurance provider. At $218 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 Arlington Heights is AutoOwners, offering rates of around $2438 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$218	$37
Progressive	$802	$135
Nationwide	$923	$156
USAA	$943	$158
Grange	$956	$161
Erie	$975	$164
Westfield	$1142	$192
Cincinnati	$1765	$294
Allstate	$2104	$357
Auto-Owners	$2438	$406

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Save up to $971/yr on car insurance rates in Arlington Heights.

Car Insurance Rates with An Accident in Arlington Heights

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 Arlington Heights, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Arlington Heights

The cheapest car insurance companies after an at-fault accident in Arlington Heights include Central Mutual and American Family, offering $148 and $166, respectively. State Farm is an expensive provider with an average six-month premium of $4927.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$148	$25
American Family	$166	$28
Auto-Owners Insurance Co	$257	$43
Erie	$456	$77
Westfield	$680	$114
Nationwide	$923	$156
Travelers	$988	$166
USAA	$1335	$225
Auto-Owners	$1386	$233
Grange	$1456	$247
Progressive	$2117	$356
Cincinnati	$2175	$369
Allstate	$2592	$436
State Farm	$4927	$838

Arlington Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Arlington Heights OH. For example, the car insurance in Arlington Heights after a DUI increases to $751 for a six month policy. While the rate increases by $167 for a six-month policy in the case of a speeding ticket.

Arlington Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$789	$132
One Med/PIP claim	$808	$137
Not-at-fault accident	$821	$137
One comp claim	$840	$143
Two Med/PIP claims	$840	$140
Two comp claims	$879	$149
Failure to show documents	$886	$148
Driving without lights	$905	$153
Failure to wear a seat belt	$905	$151
Child safety restraint	$923	$157
Driving with expired registration	$923	$154
Driving too slowly	$956	$162
Speeding 11 - 15 MPH over limit	$956	$160
Speeding 6 - 10 MPH over limit	$956	$162
Speeding in school zone	$956	$160
Cell phone violation	$962	$164
Failure to yield	$962	$161
Following too closely	$962	$164
Illegal turn	$962	$161
Texting while driving	$962	$164
Wrong way/wrong lane	$962	$161
Failure to stop at a red light	$969	$165
Improper passing	$975	$162
Speeding 16 - 20 MPH over limit	$975	$166
At-fault accident - less than $1000	$1008	$167
Passing school bus	$1014	$173
Speeding 21 - 25 MPH over limit	$1039	$173
In 65 MPH zone	$1052	$179
At-fault accident - $1000-$2000	$1161	$193
At-fault accident - greater than $2000	$1167	$199
Open container	$1167	$194
Operating a vehicle without permission	$1174	$200
Reckless driving	$1488	$248
Racing	$1514	$257
Refusal to submit to a chemical test	$1514	$253
Driving with a suspended license	$1527	$259
DUI	$1540	$257
Leaving scene of an accident/hit and run	$1584	$269

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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 Arlington Heights 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 Arlington Heights.

The cheapest car insurance premiums in Arlington Heights are offered by American Family at $166 for a six-month policy. However, it can be as expensive as $2854 with companies like Cincinnati.

Arlington Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$166	$28
Travelers	$532	$90
Progressive	$642	$108
Erie	$661	$111
USAA	$751	$126
State Farm	$1032	$176
Nationwide	$1180	$199
Farmers	$1283	$218
Auto-Owners	$1649	$274
Allstate	$1687	$284
Grange	$1905	$318
Westfield	$2476	$421
Cincinnati	$2854	$476

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 Arlington Heights are offered by American Family at $166. However, it can be as expensive as $1700 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Arlington Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$166	$28
Auto-Owners Insurance Co	$166	$28
Erie	$475	$80
Progressive	$661	$111
USAA	$680	$113
Westfield	$764	$129
Nationwide	$770	$130
Auto-Owners	$873	$148
Cincinnati	$1379	$230
Allstate	$1610	$274
Grange	$1700	$283

Car Insurance Price Trends in Arlington Heights, Ohio

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

The average cost of full coverage in the Arlington Heights rose by $161 in January compared to $129 of December. In other words, there has been an increase by $32 when you compare January and December.

The average cost of liability insurance in the Arlington Heights rose to $42 in January, compared to $39 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Arlington Heights?

The car insurance in Arlington Heights is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Arlington Heights?

The cheapest car insurance in Arlington Heights is $43 per month for full coverage.

How much is car insurance in Arlington Heights for teenagers?

Car insurance for teenagers costs $141 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 Arlington Heights?

The average cost of car insurance is $743 for a six-month policy. It will cost around $135 per month to insure your car in Arlington Heights.

Is car insurance expensive in Arlington Heights?

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

Cheapest Car Insurance Quotes in Arlington Heights

Why you can trust Way?

How Much Is Car Insurance in Arlington Heights

Avg. Car Insurance in Arlington Heights

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Arlington Heights

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Arlington Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Arlington Heights, OH

Way's key takeaways about car insurance in Arlington Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Arlington Heights

Cheapest Liability Coverage in Arlington Heights, OH

Cheapest Full Coverage Car Insurance in Arlington Heights

Cheapest Full Coverage Car Insurance Quotes in Arlington Heights, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Arlington Heights by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Arlington Heights, OH increasing?

Car Insurance Premiums by Age in Arlington Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Arlington Heights,OH

If you are in your twenties USAA is the best choice for car insurance in Arlington Heights.

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 Arlington Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Arlington Heights

Arlington Heights Car Insurance Rates by Violation

Arlington Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Arlington Heights after a DUI

Arlington Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Arlington Heights after Speeding ticket

Car Insurance Price Trends in Arlington Heights, Ohio

Average Car Insurance Cost in Arlington Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Arlington Heights, OH

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

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