Buy Cheap Palos Heights, IL Auto Insurance (2021)

Palos Heights, IL auto insurance rates average $315 a month. Minimum auto insurance requirements in Palos Heights, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Palos Heights, IL, compare Palos 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 ...

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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
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UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Palos Heights, IL are $315/month
  • Average auto insurance rates in Palos Heights, IL after a DUI are $4,439/year
  • The most expensive auto insurance company in Palos Heights after a DUI is Allstate

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

See how Palos Heights, IL car insurance rates compare to Chicago auto insurance rates, Aurora auto insurance rates, and Joliet auto insurance rates before you read more about the cost of auto insurance in Palos Heights.

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

Palos Heights, IL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Palos 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 Palos Heights, IL Auto Insurance by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $8,526 $6,153 $5,390
American Family $5,463 $3,726 $3,153
Farmers $6,136 $5,190 $4,935
GEICO $5,445 $2,642 $2,051
Liberty Mutual $3,350 $2,097 $1,666
Nationwide $4,127 $3,332 $2,907
Progressive $4,513 $3,832 $3,545
State Farm $4,087 $2,448 $1,899
Travelers $3,303 $2,686 $2,171
USAA $3,814 $2,641 $2,184

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Palos 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 $4,229 $4,248 $4,438 $4,438 $11,142 $14,441 $5,086 $5,496
American Family $2,537 $2,537 $2,327 $2,327 $7,294 $10,074 $2,537 $3,278
Farmers $2,820 $2,820 $2,491 $2,644 $12,718 $13,283 $3,227 $3,360
GEICO $1,971 $2,030 $1,925 $2,161 $7,023 $7,304 $2,262 $2,360
Liberty Mutual $1,422 $1,534 $1,181 $1,323 $4,956 $5,516 $1,481 $1,555
Nationwide $2,180 $2,213 $1,941 $2,051 $6,119 $7,828 $2,552 $2,759
Progressive $2,261 $2,109 $1,876 $1,976 $8,477 $9,475 $2,677 $2,856
State Farm $1,665 $1,665 $1,509 $1,509 $5,338 $6,736 $1,889 $2,181
Travelers $1,662 $1,752 $1,541 $1,640 $5,097 $6,465 $1,757 $1,849
USAA $1,684 $1,696 $1,572 $1,531 $5,689 $6,235 $2,220 $2,411

Buy Cheap Palos Heights, IL Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,142 $14,441
American Family $7,294 $10,074
Farmers $12,718 $13,283
GEICO $7,023 $7,304
Liberty Mutual $4,956 $5,516
Nationwide $6,119 $7,828
Progressive $8,477 $9,475
State Farm $5,338 $6,736
Travelers $5,097 $6,465
USAA $5,689 $6,235

Buy Cheap Palos Heights, IL Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,438 $4,438
American Family $2,327 $2,327
Farmers $2,491 $2,644
GEICO $1,925 $2,161
Liberty Mutual $1,181 $1,323
Nationwide $1,941 $2,051
Progressive $1,876 $1,976
State Farm $1,509 $1,509
Travelers $1,541 $1,640
USAA $1,572 $1,531

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

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

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

Insurance Company Low Medium High
Allstate $6,453 $6,683 $6,933
American Family $3,940 $4,265 $4,136
Farmers $5,131 $5,277 $5,853
GEICO $3,056 $3,369 $3,713
Liberty Mutual $2,220 $2,365 $2,528
Nationwide $3,413 $3,487 $3,466
Progressive $3,576 $3,932 $4,383
State Farm $2,633 $2,817 $2,984
Travelers $2,535 $2,717 $2,910
USAA $2,664 $2,877 $3,098

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Find Cheap Palos Heights, IL Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,690 $6,690
American Family $4,062 $4,166
Farmers $5,420 $5,420
GEICO $3,320 $3,439
Liberty Mutual $2,371 $2,371
Nationwide $3,455 $3,455
Progressive $3,964 $3,964
State Farm $2,741 $2,882
Travelers $2,613 $2,828
USAA $2,799 $2,960

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

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

Annual Palos Heights, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,712 $8,189 $7,589 $6,268
American Family $3,026 $4,282 $5,715 $3,432
Farmers $4,571 $5,914 $5,766 $5,431
GEICO $2,284 $3,583 $4,964 $2,687
Liberty Mutual $1,969 $2,814 $2,462 $2,239
Nationwide $2,788 $3,603 $4,232 $3,199
Progressive $3,255 $4,872 $3,617 $4,110
State Farm $2,549 $3,074 $2,812 $2,812
Travelers $2,155 $2,841 $3,178 $2,708
USAA $2,037 $2,963 $4,056 $2,463

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

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,589
American Family $5,715
Farmers $5,766
GEICO $4,964
Liberty Mutual $2,462
Nationwide $4,232
Progressive $3,617
State Farm $2,812
Travelers $3,178
USAA $4,056

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

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

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

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

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Find Cheap Palos Heights, Illinois Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $6,690
American Family $4,114
Farmers $5,420
GEICO $3,380
Liberty Mutual $2,371
Nationwide $3,455
Progressive $3,963
State Farm $2,812
Travelers $2,720
USAA $2,880

What affects Palos Heights, Illinois auto insurance rates?

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

Commute Times in Palos Heights

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Palos Heights, IL is 33.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Palos Heights, IL

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

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