Buy Cheap Harwood Heights, IL Auto Insurance (2021)

Harwood Heights, IL auto insurance rates average $359 a month. Minimum auto insurance requirements in Harwood Heights, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Harwood Heights, IL, compare Harwood Heights auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Harwood Heights after a DUI is Allstate
  • Average auto insurance rates in Harwood Heights, IL are $359/month
  • Average auto insurance rates in Harwood Heights, IL for teens drivers are $8,385/year

Finding affordable Harwood Heights, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Harwood Heights, IL auto insurance with confidence is right here. Auto insurance rates in Harwood Heights are affected by local factors as well as personal ones like your driving record.

See how Harwood Heights, IL car insurance rates compare to Naperville auto insurance rates, Elgin auto insurance rates, and Champaign auto insurance rates before you read more about the cost of auto insurance in Harwood Heights.

Don’t buy Harwood Heights, IL auto insurance until you’ve compared rates. Get free Harwood Heights, Illinois auto insurance quotes when you enter your ZIP code above.

Harwood Heights, IL Minimum Auto Insurance Requirements

The required auto insurance in Harwood Heights, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Harwood Heights, Illinois is outlined here.

Minimum Required Auto Insurance Coverage in Harwood Heights, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Find Cheap Harwood Heights, IL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Harwood Heights, IL. Take a look at Harwood Heights, Illinois auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Harwood Heights, Illinois

Insurance Company Poor Fair Good
Allstate $8,827 $6,367 $5,588
American Family $6,114 $4,165 $3,523
Farmers $6,865 $5,767 $5,482
GEICO $6,190 $2,993 $2,320
Liberty Mutual $3,945 $2,458 $1,949
Nationwide $5,927 $4,761 $4,143
Progressive $5,401 $4,597 $4,259
State Farm $4,300 $2,577 $2,000
Travelers $3,941 $3,202 $2,587
USAA $3,932 $2,712 $2,240

Buy Cheap Harwood Heights, IL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Harwood Heights, Illinois auto insurance rates? Find out how car insurance rates in Harwood Heights, IL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Harwood Heights, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,418 $4,438 $4,629 $4,629 $11,460 $14,828 $5,299 $5,718
American Family $2,844 $2,844 $2,607 $2,607 $8,134 $11,248 $2,844 $3,677
Farmers $3,178 $3,176 $2,816 $2,995 $14,081 $14,649 $3,631 $3,779
GEICO $2,207 $2,273 $2,146 $2,408 $8,019 $8,365 $2,568 $2,689
Liberty Mutual $1,701 $1,838 $1,423 $1,597 $5,736 $6,377 $1,760 $1,838
Nationwide $3,102 $3,151 $2,755 $2,916 $8,782 $11,261 $3,639 $3,941
Progressive $2,701 $2,532 $2,234 $2,347 $10,138 $11,366 $3,220 $3,480
State Farm $1,756 $1,756 $1,592 $1,592 $5,610 $7,080 $1,991 $2,295
Travelers $1,981 $2,089 $1,825 $1,945 $6,086 $7,703 $2,102 $2,214
USAA $1,738 $1,759 $1,620 $1,586 $5,804 $6,380 $2,297 $2,507

Buy Cheap Harwood Heights, IL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Harwood Heights can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Harwood Heights, IL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Harwood Heights, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,460 $14,828
American Family $8,134 $11,248
Farmers $14,081 $14,649
GEICO $8,019 $8,365
Liberty Mutual $5,736 $6,377
Nationwide $8,782 $11,261
Progressive $10,138 $11,366
State Farm $5,610 $7,080
Travelers $6,086 $7,703
USAA $5,804 $6,380

Buy Cheap Harwood Heights, IL Auto Insurance for Seniors

You can save on senior auto insurance rates in Harwood Heights, Illinois by comparing Harwood Heights senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Harwood Heights, IL here.

Annual Auto Insurance Rates for Senior Drivers in Harwood Heights, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,629 $4,629
American Family $2,607 $2,607
Farmers $2,816 $2,995
GEICO $2,146 $2,408
Liberty Mutual $1,423 $1,597
Nationwide $2,755 $2,916
Progressive $2,234 $2,347
State Farm $1,592 $1,592
Travelers $1,825 $1,945
USAA $1,620 $1,586

Find Cheap Auto Insurance Rates in Harwood Heights, IL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Harwood Heights, Illinois auto insurance. Compare Harwood Heights, IL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Harwood Heights, Illinois

Insurance Company Low Medium High
Allstate $6,650 $6,917 $7,216
American Family $4,434 $4,769 $4,599
Farmers $5,707 $5,879 $6,528
GEICO $3,491 $3,828 $4,183
Liberty Mutual $2,595 $2,776 $2,980
Nationwide $4,863 $4,990 $4,977
Progressive $4,353 $4,728 $5,176
State Farm $2,767 $2,964 $3,146
Travelers $3,030 $3,239 $3,461
USAA $2,750 $2,958 $3,175

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Find Cheap Harwood Heights, IL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Harwood Heights. Compare auto insurance rates in Harwood Heights, IL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Harwood Heights, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,927 $6,927
American Family $4,542 $4,660
Farmers $6,038 $6,038
GEICO $3,768 $3,901
Liberty Mutual $2,784 $2,784
Nationwide $4,943 $4,943
Progressive $4,752 $4,752
State Farm $2,884 $3,034
Travelers $3,113 $3,373
USAA $2,878 $3,044

Find Cheap Harwood Heights, IL Auto Insurance Rates by Driving Record

Auto insurance rates in Harwood Heights, Illinois are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Harwood Heights, IL, take a look at the average cost for various violations versus rates for a clean driving record in Harwood Heights.

Annual Harwood Heights, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,919 $8,467 $7,823 $6,501
American Family $3,388 $4,773 $6,398 $3,843
Farmers $5,088 $6,582 $6,421 $6,060
GEICO $2,585 $4,010 $5,702 $3,040
Liberty Mutual $2,312 $3,304 $2,890 $2,629
Nationwide $3,973 $5,158 $6,071 $4,572
Progressive $3,899 $5,847 $4,327 $4,936
State Farm $2,683 $3,235 $2,959 $2,959
Travelers $2,565 $3,390 $3,786 $3,231
USAA $2,098 $3,042 $4,169 $2,535

Find Cheap Harwood Heights, IL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Harwood Heights, Illinois is higher than for a clean driving record. You can buy auto insurance after a DUI in Harwood Heights for less when you shop around and compare rates from multiple Harwood Heights, IL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Harwood Heights, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,823
American Family $6,398
Farmers $6,421
GEICO $5,702
Liberty Mutual $2,890
Nationwide $6,071
Progressive $4,327
State Farm $2,959
Travelers $3,786
USAA $4,169

Winners by Category: Where to Buy Cheap Auto Insurance in Harwood Heights, IL

Compare rates from the cheapest auto insurance companies in Harwood Heights, IL for your needs. Take a look at how Harwood Heights, Illinois auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Harwood Heights, Illinois

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Find Cheap Harwood Heights, Illinois Auto Insurance Companies

If you’re looking for the cheapest Harwood Heights, IL auto insurance companies overall, you can compare them here. Find the best price for Harwood Heights, Illinois car insurance by company.

Average Annual Auto Insurance Rates by Company in Harwood Heights, Illinois

Insurance Company Average Annual Rates
Allstate $6,927
American Family $4,601
Farmers $6,038
GEICO $3,834
Liberty Mutual $2,784
Nationwide $4,943
Progressive $4,752
State Farm $2,959
Travelers $3,243
USAA $2,961

What affects Harwood Heights, Illinois auto insurance rates?

Local factors affect auto insurance rates in Harwood Heights, IL, including traffic, theft statistics, and commute length. Take a look at the things that impact Harwood Heights auto insurance rates.

Commute Times in Harwood Heights

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Harwood Heights, IL is 34.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Harwood Heights, IL

You can buy cheap Harwood Heights, IL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Harwood Heights, Illinois auto insurance quotes from top companies.

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