Compare Downers Grove, IL Car Insurance Rates (2021)

The average Downers Grove, Illinois, car insurance costs $285 per month or $3,428 annually. The cheapest Downers Grove, IL car insurance company is Liberty Mutual. However, Downers Grove, IL car insurance rates vary depending on your age, driving record, and coverage needs. Legally, all Downers Grove residents must carry the Illinois minimum car insurance requirements of 25/50/20 in liability coverage plus uninsured motorist protection.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 5, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest Downers Grove, IL car insurance company is Liberty Mutual
  • The city’s proximity to Chicago impacts your Downers Grove car insurance rates
  • Downers Grove car insurance premiums are average for the state of Illinois

Are you a Downers Grove resident looking for cheap Illinois car insurance? On Average, Downers Grove car insurance rates are $285 per month or $3,428 per year.

However, your rates depend on your age, driving record, and the level of coverage you require.

Below, compare average rates from the top providers in Downers Grove and learn how you can secure cheap car insurance in your city.

Monthly Downers Grove, IL Car Insurance Rates by ZIP Code

Find more info about the monthly Downers Grove, IL car insurance rates by ZIP Code below:

View as image

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Downers Grove, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Downers Grove, Illinois against other top US metro areas’ auto insurance rates.

View as image

Enter your ZIP code into our free quote tool above to find the most affordable Downers Grove, IL car insurance company for you.

What is the cheapest car insurance company in Downers Grove, IL?

Who are the best Illinois car insurance companies? In Downers Grove, the most affordable provider is Liberty Mutual.

The cheapest Downers Grove, IL auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Illinois auto insurance company rates?” We cover that as well.

View as image

See the average quoted rates from the top companies in your city from least to most expensive in the list below.

  • Liberty Mutual – $2,304.93
  • State Farm – $2,487.89
  • Travelers – $2,644.05
  • USAA – $2,743.19
  • Nationwide – $3,010.06
  • GEICO – $3,247.96
  • American Family – $3,730.46
  • Progressive – $3,764.39
  • Farmers – $4,872.18
  • Allstate – $5,482.95

Insurance companies use different calculations to determine rates. Your age, driving record, and coverage needs all influence your Downers Grove, IL car insurance quotes.

Compare rates from more than one of the providers listed above to secure your best prices.

Downers Grove, Illinois auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

View as image

Your coverage level will play a significant role in your Downers Grove, IL auto insurance rates. Find the Downers Grove, Illinois auto insurance rates by coverage level below:

View as image

Your credit score will play a major role in your Downers Grove, IL auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Downers Grove, Illinois auto insurance rates by credit score below.

View as image

Your driving record will affect your Downers Grove auto insurance rates. For example, a Downers Grove, Illinois DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Downers Grove, Illinois auto insurance rates by driving record.

View as image

Factors affecting auto insurance rates in Downers Grove, IL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Downers Grove, Illinois auto insurance.

View as image

These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Downers Grove. Illinois does use gender, so check out the average monthly auto insurance rates by age {and gender} in Downers Grove, IL.

View as image

What car insurance coverage is required in Downers Grove, IL?

By law, all Downers Grove residents must meet the Illinois car insurance requirements.

Currently, those minimum limits are:

  • $25,000 per person and $50,000 per incident in bodily injury liability coverage
  • $25,000 in property damage liability coverage
  • Additional $25,000 per person and $50,000 per incident in uninsured/underinsured motorist protection

Illinois is a tort or at-fault state. Should you ever cause an accident, your liability car insurance coverage pays for the damages to the other driver involved.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

What affects car insurance rates in Downers Grove, IL?

Regional Downers Grove, IL car insurance rates are impacted by weather patterns and little to no traffic congestion.

Your city’s proximity to Chicago also minorly influences your car insurance rates.

While there’s no data for Downers Grove specifically, INRIX ranks Chicago as the 3rd most congested city in America.

The average commute time for Downers Grove residents is 27.6 minutes, according to City-Data.

Driving daily in heavy traffic can cause insurance prices to increase because you’re at more risk of getting into an accident.

Fortunately, vehicle theft statistics in your city counterbalance any potential increases the overflow traffic from Chicago may cause.

The Federal Bureau of Investigation (FBI) recorded 22 car thefts in 2017, an incredibly low rate of 44.4 stolen vehicles per 100,000 residents.

Unfortunately, severe Downers Grove, IL weather patterns might hurt your rates. Illinois frequently experiences tornadoes, as well as cold, icy winters.

Downers Grove, IL Car Insurance: The Bottom Line

Downers Grove car insurance costs are average compared to the rest of Illinois.

Of the major cities, Chicago car insurance rates are substantially higher than Downers Grove.

By taking the time to research and compare prices online, you’ll quickly secure cheap rates. Remember to also ask about car insurance discounts for even more savings.

Now that you’re ready to buy Downers Grove, IL car insurance, enter your ZIP code into our free quote tool below to receive rates from reputable providers near you.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Monthly Downers Grove, IL Car Insurance Rates by ZIP Code
Downers Grove, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Downers Grove, IL Car Insurance Rates by Company vs. City Average
Downers Grove, IL Car Insurance Rates by Company and Age
The Cheapest Downers Grove, IL Car Insurance Rates by Coverage Level
The Cheapest Downers Grove, IL Car Insurance Rates by Credit Score
The Cheapest Downers Grove, IL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Downers Grove, IL
Average Monthly Car Insurance Rates by Age & Gender in Downers Grove, IL
Monthly Downers Grove, IL Car Insurance Rates by ZIP Code
Downers Grove, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Downers Grove, IL Car Insurance Rates by Company vs. City Average
Downers Grove, IL Car Insurance Rates by Company and Age
The Cheapest Downers Grove, IL Car Insurance Rates by Coverage Level
The Cheapest Downers Grove, IL Car Insurance Rates by Credit Score
The Cheapest Downers Grove, IL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Downers Grove, IL
Average Monthly Car Insurance Rates by Age & Gender in Downers Grove, IL