Compare Worth, IL Car Insurance Rates (2021)

On average, Liberty Mutual has the cheapest Worth, IL car insurance, but rates vary by driver. Auto insurance in Worth must meet the state's minimum liability coverage standards of 25/50/20 and uninsured/underinsured motorist coverage of 25/50. Compare Worth, IL auto insurance rates online to find the best deal for you.

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: Mar 19, 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...

  • Liberty Mutual offers the lowest Worth, IL car insurance rates, on average
  • Because it is so close to Chicago, Worth sees increased traffic
  • Worth, IL car insurance rates are nearly as high as rates in Chicago

Worth, IL car insurance costs almost as much as rates in Chicago. However, the Illinois car insurance rates, in general, are lower than the national average.

The good news is that you can still find affordable Worth, IL car insurance if you know where to look. Shop around to compare rates from multiple companies to find cheap car insurance in Worth.

Enter your ZIP code now to compare Worth, IL car insurance rates today.

What is the cheapest car insurance company in Worth, IL?

The cheapest auto insurance company in Worth is Liberty Mutual. It’s important to note though that rates will be different for each driver.

The top Worth, IL car insurance companies listed from least to most expensive are:

  • Liberty Mutual – $2,536.33
  • Travelers – $2,867.08
  • USAA – $3,139.82
  • State Farm – $3,151.14
  • GEICO – $3,379.56
  • Nationwide – $3,455.43
  • Progressive – $4,244.04
  • American Family – $4,436.29
  • Farmers – $5,830.48
  • Allstate – $6,688.87

Many different factors affect your car insurance rates. Your age, driving record, and credit history can all play a part in how much you pay.

Your ZIP code can also raise your rates. If you live in a large city with higher crime and traffic rates, you will pay more for your auto insurance. For example, Chicago car insurance rates are higher than rates in Worth, even though they are part of the same area.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

What car insurance coverage is required in Worth, IL?

Most states, including Illinois, required drivers to carry at least a minimum amount of car insurance.

Worth drivers must carry:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $20,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

This required coverage will be exhausted quickly in the event of a serious accident. Drivers should consider increasing these limits to avoid paying out of pocket for damages and injuries.

Consider adding additional coverages as well. Collision insurance covers damages to your vehicle if you cause an accident.

Comprehensive covers damages to your car that aren’t from an accident. For example, damages from Worth, IL weather, such as snow, hail, or falling tree limbs, would be covered by comprehensive insurance.

Increasing your limits and adding coverages will help you avoid costly out-of-pocket expenses down the road.

What affects car insurance rates in Worth, IL?

You might be surprised to learn that traffic can increase your auto insurance rates. High traffic volume means you are more likely to be in an accident.

As part of the greater Chicago area, Worth sees an increase in traffic. INRIX doesn’t have data for Worth, but it does rank Chicago, IL as the third most congested city in the U.S. and the seventh most congested city in the world.

In fact, City-Data reports that most Worth drivers commute around 30 minutes, and a large number commute an hour or more.

Car theft can also increase your insurance rates. According to the FBI, there were just 17 motor vehicle thefts in Worth, IL over the course of a year, compared to 11,578 in nearby Chicago.

Worth, IL Car Insurance: The Bottom Line

Auto insurance in the city is pretty expensive, so shop around before you buy Worth, IL car insurance. Each company will offer you different rates making comparison shopping is a must.

Enter your ZIP code now to compare free Worth, IL car insurance quotes today.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State