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.

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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...

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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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Founder & CFP®

UPDATED: Mar 26, 2021

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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.

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.

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.

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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.

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.

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

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