Cheapest Car Insurance Quotes in Northbrook

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Northbrook 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 Northbrook

The car insurance rate in Northbrook is $741 for a six-month policy, which is $73 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $264, making it a popular choice for budget-conscious drivers. Rates in Northbrook 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 Northbrook

$741

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Northbrook

1st place: American Family

At $264 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 $422 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $659 for six months, making it the third cheapest auto insurance company in Northbrook.

Northbrook Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Northbrook, OH is American Family, offering policies at just $264 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $422.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $844 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Northbrook drivers find the best deals.

Cheap Car Insurance Companies in Northbrook, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$264	$44
Auto-Owners Insurance Co	$422	$70
Travelers	$659	$112
Erie	$666	$112
State Farm	$673	$114
USAA	$673	$113
Hastings Mutual	$686	$117
Nationwide	$693	$117
Central Mutual	$798	$135
Progressive	$805	$135
Farmers	$976	$165
Grange	$1042	$173
Allstate	$1193	$201
Westfield	$844	$143

Key Takeaways

Way's key takeaways about car insurance in Northbrook

The auto insurance costs in Northbrook fall around $264 for six months.
The cheapest auto insurance company in Northbrook is American Family.
Teen drivers pay the highest rate in Northbrook at $785 per month.

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Cheapest Minimum Liability Car Insurance in Northbrook

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 Northbrook are given below.

American Family provides the cheapest minimum car insurance coverage in Northbrook. Their Average 6 Month Premium is $139. Allstate is the most expensive at $501 for the same period.

Cheapest Liability Coverage in Northbrook, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$139	$23
Central Mutual	$152	$26
Auto-Owners Insurance Co	$165	$28
Westfield	$171	$29
USAA	$178	$30
Erie	$198	$33
State Farm	$218	$37
Progressive	$238	$40
Nationwide	$264	$44
Travelers	$276	$47
Auto-Owners	$290	$49
Farmers	$370	$63
Grange	$402	$67
Allstate	$501	$84

Cheapest Full Coverage Car Insurance in Northbrook

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 Northbrook is American Family at $44 per month and $264 for six months.

Cheapest Full Coverage Car Insurance Quotes in Northbrook, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$264	$44
Auto-Owners Insurance Co	$422	$70
Travelers	$659	$112
Erie	$666	$112
State Farm	$673	$114
USAA	$673	$113
Hastings Mutual	$686	$117
Nationwide	$693	$117
Central Mutual	$798	$135
Progressive	$805	$135
Farmers	$976	$165
Grange	$1042	$173
Allstate	$1193	$201
Westfield	$844	$143

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Average Car Insurance in Northbrook 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 Northbrook, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Northbrook, 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, Northbrook's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Northbrook

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	$598
30s	USAA	$423
40s	USAA	$384
50s	USAA	$355
60s	USAA	$373
70s	USAA	$452

Cheapest Car Insurance Rates for Teen Drivers in Northbrook,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Northbrook at $24 per month. At $4615 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$145	$24
Westfield	$178	$30
USAA	$917	$154
Erie	$976	$164
Travelers	$1193	$201
Nationwide	$1859	$313
Progressive	$1866	$314
Allstate	$2539	$427
State Farm	$2736	$465
Grange	$3020	$503
Farmers	$4615	$785

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 Northbrook.

As young drivers face the highest rates in Northbrook, USAA offers the cheapest auto insurance rates at $598 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 Northbrook, American Family is the cheapest car insurance provider. At $224 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 Northbrook is Allstate, offering rates of around $1906 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$224	$38
Westfield	$283	$48
Nationwide	$751	$127
Erie	$778	$131
Progressive	$778	$131
USAA	$844	$141
Grange	$864	$145
Allstate	$1906	$317

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Car Insurance Rates with An Accident in Northbrook

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

Cheapest Car Insurance Companies after an At-Fault Accident in Northbrook

The cheapest car insurance companies after an at-fault accident in Northbrook include Central Mutual and American Family, offering $152 and $171, respectively. Frankenmuth is an expensive provider with an average six-month premium of $271.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$152	$26
American Family	$171	$29
Auto-Owners Insurance Co	$264	$44
Westfield	$264	$44
Erie	$363	$61
Nationwide	$758	$128
Travelers	$1016	$171
Grange	$1272	$216
USAA	$1339	$225
Auto-Owners	$1510	$254
Progressive	$2137	$360
Allstate	$2519	$424
State Farm	$5064	$844
Frankenmuth	$271	$46

Northbrook Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Northbrook OH. For example, the car insurance in Northbrook after a DUI increases to $772 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Northbrook auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$811	$135
One Med/PIP claim	$830	$141
Not-at-fault accident	$844	$141
One comp claim	$864	$147
Two Med/PIP claims	$864	$144
Two comp claims	$904	$153
Failure to show documents	$910	$152
Driving without lights	$930	$158
Failure to wear a seat belt	$930	$155
Child safety restraint	$949	$161
Driving with expired registration	$949	$159
Driving too slowly	$982	$167
Speeding 11 - 15 MPH over limit	$982	$164
Speeding 6 - 10 MPH over limit	$982	$167
Speeding in school zone	$982	$164
Cell phone violation	$989	$169
Failure to yield	$989	$165
Following too closely	$989	$169
Illegal turn	$989	$165
Texting while driving	$989	$169
Wrong way/wrong lane	$989	$165
Failure to stop at a red light	$996	$170
Improper passing	$1002	$167
Speeding 16 - 20 MPH over limit	$1002	$171
At-fault accident - less than $1000	$1036	$172
Passing school bus	$1042	$178
Speeding 21 - 25 MPH over limit	$1068	$178
In 65 MPH zone	$1081	$184
At-fault accident - $1000-$2000	$1193	$199
At-fault accident - greater than $2000	$1200	$204
Open container	$1200	$200
Operating a vehicle without permission	$1207	$205
Reckless driving	$1530	$255
Racing	$1556	$264
Refusal to submit to a chemical test	$1556	$260
Driving with a suspended license	$1570	$266
DUI	$1583	$264
Leaving scene of an accident/hit and run	$1628	$276

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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 Northbrook 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 Northbrook.

The cheapest car insurance premiums in Northbrook are offered by American Family at $171 for a six-month policy. However, it can be as expensive as $1668 with companies like Grange.

Northbrook car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$171	$29
Erie	$514	$87
Travelers	$547	$92
Progressive	$639	$108
USAA	$666	$112
Nationwide	$969	$163
State Farm	$1061	$181
Farmers	$1319	$220
Allstate	$1615	$272
Grange	$1668	$278

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 Northbrook are offered by American Family at $171. However, it can be as expensive as $1496 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Northbrook after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$171	$29
Auto-Owners Insurance Co	$171	$29
Westfield	$184	$31
Erie	$383	$64
USAA	$606	$101
Nationwide	$633	$107
Progressive	$666	$112
Allstate	$1451	$246
Grange	$1496	$250

Car Insurance Price Trends in Northbrook, Ohio

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

The average cost of full coverage in the Northbrook rose by $132 in December compared to $129 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 Northbrook rose to $40 in December, compared to $39 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Northbrook?

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

What is the cheapest car insurance in Northbrook?

The cheapest car insurance in Northbrook is $44 per month for full coverage.

How much is car insurance in Northbrook for teenagers?

Car insurance for teenagers costs $145 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 Northbrook?

The average cost of car insurance is $668 for a six-month policy. It will cost around $124 per month to insure your car in Northbrook.

Is car insurance expensive in Northbrook?

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

Cheapest Car Insurance Quotes in Northbrook

Why you can trust Way?

How Much Is Car Insurance in Northbrook

Avg. Car Insurance in Northbrook

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Northbrook

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Northbrook Car Insurance Rates by Company

Cheap Car Insurance Companies in Northbrook, OH

Way's key takeaways about car insurance in Northbrook

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Northbrook

Cheapest Liability Coverage in Northbrook, OH

Cheapest Full Coverage Car Insurance in Northbrook

Cheapest Full Coverage Car Insurance Quotes in Northbrook, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Northbrook by Rating Factor

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

Car Insurance Premiums by Age in Northbrook

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Northbrook,OH

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

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 Northbrook

Cheapest Car Insurance Companies after an At-Fault Accident in Northbrook

Northbrook Car Insurance Rates by Violation

Northbrook auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Northbrook after a DUI

Northbrook car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Northbrook after Speeding ticket

Car Insurance Price Trends in Northbrook, Ohio

Average Car Insurance Cost in Northbrook by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Northbrook, OH

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

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