Cheapest Car Insurance Quotes in Arlington Heights

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Arlington Heights Car Insurance

^$ 32

/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 $776 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $414, 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

$776

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Arlington Heights

1st place: Kemper

At $414 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $558 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $576 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, WA is Kemper, offering policies at just $414 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $558.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $804 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, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$414	$69
Nationwide	$558	$95
Auto-Owners Insurance Co	$576	$96
Chubb	$653	$111
Capital Insurance Group	$666	$111
State Farm	$696	$117
USAA	$720	$121
Progressive	$774	$130
PEMCO	$792	$133
American Family	$816	$137
Travelers	$882	$148
Farmers	$936	$158
Allstate	$1092	$184
Granwest P&C	$1355	$230
California Causality	$684	$116
Mutual of Enumclaw	$804	$136

Key Takeaways

Way's key takeaways about car insurance in Arlington Heights

The auto insurance costs in Arlington Heights fall around $414 for six months.
The cheapest auto insurance company in Arlington Heights is USAA.
Teen drivers pay the highest rate in Arlington Heights at $125 per month.

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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.

USAA provides the cheapest minimum car insurance coverage in Arlington Heights. Their Average 6 Month Premium is $192. California Causality is the most expensive at $240 for the same period.

Cheapest Liability Coverage in Arlington Heights, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$192	$32
California Casualty	$216	$36
Granwest P&C	$222	$37
PEMCO	$228	$38
Auto-Owners Insurance Co	$234	$39
Chubb	$276	$46
Travelers	$282	$47
Nationwide	$288	$48
Capital Insurance Group	$306	$51
State Farm	$306	$52
Progressive	$318	$54
American Family	$360	$61
Mutual of Enumclaw	$366	$61
Farmers	$384	$65
Allstate	$648	$109
Encompass	$210	$35
Grange	$216	$36
California Causality	$240	$40

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 Kemper at $69 per month and $414 for six months.

Cheapest Full Coverage Car Insurance Quotes in Arlington Heights, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$414	$69
Nationwide	$558	$95
Auto-Owners Insurance Co	$576	$96
Chubb	$653	$111
Capital Insurance Group	$666	$111
State Farm	$696	$117
USAA	$720	$121
Progressive	$774	$130
PEMCO	$792	$133
American Family	$816	$137
Travelers	$882	$148
Farmers	$936	$158
Allstate	$1092	$184
Granwest P&C	$1355	$230
California Causality	$684	$116
Mutual of Enumclaw	$804	$136

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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, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Arlington Heights, Washington, may be increasing due to several external factors. Washington 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	PEMCO	$684
30s	PEMCO	$479
40s	PEMCO	$484
50s	PEMCO	$460
60s	PEMCO	$484
70s	PEMCO	$601

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

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Arlington Heights at $57 per month. At $738 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$336	$57
Auto-Owners Insurance Co	$342	$59
Chubb	$384	$64
State Farm	$780	$131
American Family	$1026	$173
Progressive	$1176	$198
USAA	$1236	$208
Pemco	$1259	$212
Farmers	$1788	$301
Allstate	$2063	$347
California Causality	$738	$125

Teen Car Insurance Rates in WA by Age

Way Tip

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

As young drivers face the highest rates in Arlington Heights, PEMCO offers the cheapest auto insurance rates at $684 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, AutoOwners Insurance Co is the cheapest car insurance provider. At $234 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 California Causality, offering rates of around $551 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$234	$39
Chubb	$276	$46
Travelers	$282	$47
Nationwide	$330	$55
Kemper	$360	$62
American Family	$546	$92
Progressive	$636	$107
State Farm	$738	$124
Farmers	$816	$137
Pemco	$942	$159
USAA	$972	$166
Allstate	$1944	$324
National General	$396	$66
California Causality	$551	$94

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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, WA, 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 AutoOwners Insurance Co and Encompass, offering $300 and $342, respectively. California Causality is an expensive provider with an average six-month premium of $414.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$300	$51
Encompass	$342	$59
Chubb	$354	$60
Travelers	$426	$72
USAA	$456	$77
Kemper	$498	$85
State Farm	$672	$113
PEMCO	$738	$124
American Family	$804	$135
Capital Insurance Group	$888	$150
Progressive	$1062	$179
Farmers	$1146	$193
Allstate	$1848	$311
California Causality	$414	$69

Arlington Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Arlington Heights WA. For example, the car insurance in Arlington Heights after a DUI increases to $822 for a six month policy. While the rate increases by $234 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	$1080	$180
One Med/PIP claim	$1080	$184
Not-at-fault accident	$1116	$186
Two Med/PIP claims	$1116	$190
One comp claim	$1122	$187
Two comp claims	$1170	$199
Failure to show documents	$1290	$215
Child safety restraint	$1302	$221
Driving without lights	$1314	$219
Failure to wear a seat belt	$1314	$223
Speeding 11 - 15 MPH over limit	$1314	$219
Speeding 16 - 20 MPH over limit	$1314	$223
Speeding 6 - 10 MPH over limit	$1314	$219
Driving too slowly	$1326	$225
Driving with expired registration	$1326	$221
Cell phone violation	$1332	$226
Failure to yield	$1332	$222
Improper passing	$1332	$226
Texting while driving	$1332	$222
Wrong way/wrong lane	$1332	$226
Failure to stop at a red light	$1338	$223
Following too closely	$1338	$227
Illegal turn	$1338	$223
Speeding in school zone	$1398	$237
Passing school bus	$1404	$234
At-fault accident - less than $1000	$1422	$241
Speeding 21 - 25 MPH over limit	$1422	$237
Open container	$1428	$242
In 65 MPH zone	$1482	$247
At-fault accident - $1000-$2000	$1536	$262
At-fault accident - greater than $2000	$1542	$257
Operating a vehicle without permission	$1553	$265
Refusal to submit to a chemical test	$1859	$310
Reckless driving	$1865	$317
Driving with a suspended license	$1884	$314
DUI	$1902	$323
Racing	$1967	$328
Leaving scene of an accident/hit and run	$1980	$336

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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 Chubb at $342 for a six-month policy. However, it can be as expensive as $366 with companies like National General.

Arlington Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$342	$59
Auto-Owners Insurance Co	$432	$72
Travelers	$468	$79
American Family	$672	$113
Progressive	$744	$125
Pemco	$755	$127
USAA	$828	$139
State Farm	$870	$146
Farmers	$1188	$200
Allstate	$1751	$295
Grange	$1836	$312
Cal Casualty	$2051	$342
National General	$366	$63

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 Chubb at $300. However, it can be as expensive as $336 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Arlington Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$300	$51
Auto-Owners Insurance Co	$312	$54
Travelers	$384	$64
State Farm	$468	$79
American Family	$672	$113
USAA	$732	$124
Pemco	$738	$124
Progressive	$876	$147
Farmers	$1020	$172
Allstate	$1350	$229
California Causality	$336	$58

Car Insurance Price Trends in Arlington Heights, Washington

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 $153 in December compared to $149 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Arlington Heights rose to $52 in December, compared to $51 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 Arlington Heights?

The car insurance in Arlington Heights is $32 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 $69 per month for full coverage.

How much is car insurance in Arlington Heights for teenagers?

Car insurance for teenagers costs $336 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 $768 for a six-month policy. It will cost around $130 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 Washington

National Average

Cheapest Car Insurance Companies in Arlington Heights

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Arlington Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Arlington Heights, WA

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, WA

Cheapest Full Coverage Car Insurance in Arlington Heights

Cheapest Full Coverage Car Insurance Quotes in Arlington Heights, WA

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, WA 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,WA

If you are in your twenties PEMCO 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, Washington

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, WA

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

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