Compare Prospect Heights, IL Car Insurance Rates (2021)

Car insurance in Prospect Heights, IL averages $310 a month. Prospect Heights, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Prospect Heights car insurance rates, compare quotes from the top car insurance companies in Prospect Heights, IL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Prospect Heights is Liberty Mutual
  • The cheapest car insurance company in Prospect Heights for teen drivers is USAA
  • Average car insurance rates in Prospect Heights, IL after a DUI are $4,341/year

If you need to buy Prospect Heights, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Prospect Heights, IL is right here.

You’ll find Prospect Heights car insurance rates, the cheapest Prospect Heights, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Prospect Heights, Illinois car insurance rates to Rockford car insurance rates, Naperville car insurance rates, and Champaign car insurance rates.

Ready to find affordable Prospect Heights, IL car insurance today? Enter your ZIP code for fast, free Prospect Heights car insurance quotes.

Cheapest Prospect Heights, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Prospect Heights, IL car insurance rates? Every Prospect Heights, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Prospect 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 $3,758 $3,775 $3,942 $3,942 $9,928 $12,866 $4,518 $4,883
American Family $2,550 $2,550 $2,344 $2,344 $7,419 $10,214 $2,550 $3,302
Farmers $2,874 $2,870 $2,536 $2,694 $13,033 $13,607 $3,286 $3,414
GEICO $1,919 $1,977 $1,873 $2,108 $6,938 $7,166 $2,188 $2,275
Liberty Mutual $1,508 $1,623 $1,243 $1,390 $5,469 $6,082 $1,576 $1,655
Nationwide $1,927 $1,952 $1,721 $1,814 $5,363 $6,844 $2,253 $2,431
Progressive $2,299 $2,153 $1,908 $1,994 $8,664 $9,712 $2,737 $2,954
State Farm $1,782 $1,782 $1,618 $1,618 $5,793 $7,307 $2,025 $2,343
Travelers $1,780 $1,877 $1,652 $1,760 $5,510 $7,014 $1,883 $1,982
USAA $1,545 $1,563 $1,438 $1,406 $5,090 $5,598 $2,032 $2,216

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Minimum Car Insurance in Prospect Heights, IL

Every driver must carry the minimum car insurance in Prospect Heights, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car Insurance Coverage in Prospect 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

Cheapest Prospect Heights, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Prospect Heights, IL. Compare credit history car insurance rates in Prospect Heights from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Prospect Heights, Illinois

Insurance Company Poor Fair Good
Allstate $7,570 $5,484 $4,801
American Family $5,514 $3,770 $3,194
Farmers $6,263 $5,308 $5,048
GEICO $5,324 $2,585 $2,008
Liberty Mutual $3,625 $2,276 $1,804
Nationwide $3,621 $2,932 $2,562
Progressive $4,595 $3,925 $3,638
State Farm $4,416 $2,640 $2,045
Travelers $3,558 $2,898 $2,340
USAA $3,470 $2,391 $1,973

Cheapest Prospect Heights, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Prospect Heights, IL to rates for a clean record with top companies.

Annual Prospect Heights, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,187 $7,273 $6,773 $5,573
American Family $3,059 $4,327 $5,781 $3,469
Farmers $4,671 $6,047 $5,895 $5,544
GEICO $2,212 $3,653 $4,754 $2,602
Liberty Mutual $2,128 $3,055 $2,668 $2,422
Nationwide $2,459 $3,166 $3,711 $2,816
Progressive $3,328 $4,986 $3,694 $4,203
State Farm $2,746 $3,322 $3,034 $3,034
Travelers $2,319 $3,063 $3,431 $2,916
USAA $1,857 $2,681 $3,665 $2,241

Cheapest Prospect Heights, IL Car Insurance for Teen Drivers

Teen car insurance in Prospect Heights, IL can be expensive. Take a look at rates from the top car insurance companies in Prospect Heights for teenagers.

Annual Car Insurance Rates for Teen Drivers in Prospect Heights, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,928 $12,866
American Family $7,419 $10,214
Farmers $13,033 $13,607
GEICO $6,938 $7,166
Liberty Mutual $5,469 $6,082
Nationwide $5,363 $6,844
Progressive $8,664 $9,712
State Farm $5,793 $7,307
Travelers $5,510 $7,014
USAA $5,090 $5,598

Cheapest Prospect Heights, IL Car Insurance for Seniors

Take a look at Prospect Heights, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Prospect Heights, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,942 $3,942
American Family $2,344 $2,344
Farmers $2,536 $2,694
GEICO $1,873 $2,108
Liberty Mutual $1,243 $1,390
Nationwide $1,721 $1,814
Progressive $1,908 $1,994
State Farm $1,618 $1,618
Travelers $1,652 $1,760
USAA $1,438 $1,406

Cheapest Prospect Heights, IL Car Insurance Rates After a DUI

A DUI in Prospect Heights, IL increases car insurance rates. Compare Prospect Heights, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Prospect Heights, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,773
American Family $5,781
Farmers $5,895
GEICO $4,754
Liberty Mutual $2,668
Nationwide $3,711
Progressive $3,694
State Farm $3,034
Travelers $3,431
USAA $3,665

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Cheapest Prospect Heights, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Prospect Heights, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Prospect Heights, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,952 $5,952
American Family $4,106 $4,212
Farmers $5,539 $5,539
GEICO $3,251 $3,360
Liberty Mutual $2,568 $2,568
Nationwide $3,038 $3,038
Progressive $4,053 $4,053
State Farm $2,957 $3,110
Travelers $2,816 $3,049
USAA $2,538 $2,684

Cheapest Prospect Heights, IL Car Insurance Rates by ZIP Code

Prospect Heights car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Prospect Heights, IL.

Annual Car Insurance Rates by ZIP Code in Prospect Heights, Illinois

ZIP Code Average Annual Rates
60070 $3,667
60090 $3,712

The Best Cheap Car Insurance Companies in Prospect Heights, IL

Take a look at a side-by-side comparison of the top car insurance companies in Prospect Heights, IL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Prospect Heights, Illinois

Insurance Company Average Annual Rates
Allstate $5,952
American Family $4,159
Farmers $5,539
GEICO $3,305
Liberty Mutual $2,568
Nationwide $3,038
Progressive $4,053
State Farm $3,034
Travelers $2,932
USAA $2,611

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Category Winners: Cheapest Car Insurance in Prospect Heights, Illinois

Find the cheapest car insurance companies in Prospect Heights, IL for each category right here.

Best Annual Car Insurance Rates by Company in Prospect Heights, Illinois

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

Cheapest Prospect Heights, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Prospect Heights car insurance rates. Find the cheapest Prospect Heights, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Prospect Heights, Illinois

Insurance Company Low Medium High
Allstate $5,756 $5,946 $6,152
American Family $3,978 $4,312 $4,187
Farmers $5,245 $5,395 $5,978
GEICO $2,998 $3,308 $3,611
Liberty Mutual $2,422 $2,564 $2,719
Nationwide $2,979 $3,070 $3,065
Progressive $3,687 $4,041 $4,430
State Farm $2,844 $3,041 $3,215
Travelers $2,725 $2,929 $3,143
USAA $2,434 $2,609 $2,791

What affects car insurance rates in Prospect Heights, Illinois?

What factors can have an impact on Prospect Heights, IL car insurance? There are several reasons why Prospect Heights car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Prospect Heights, Illinois.

Commute Time in Prospect Heights

The more time you spend in your car the higher the risk of an accident. The average commute length in Prospect Heights, IL is 25.3 minutes according to City-Data.

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Compare Car Insurance Quotes in Prospect Heights, IL

Ready to find affordable Prospect Heights, Illinois car insurance today? Enter your ZIP code for fast, free Prospect Heights, IL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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