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Get Cheap Car Insurance in Chicago Heights, IL
We monitor insurance prices, helping the average driver in Chicago Heights save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Chicago Heights
The chart below shows the cheapest car insurance company in Chicago Heights for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Country Financial, Metromile, and American Family Insurance.
| Chicago Heights Insurer | Monthly Cost |
|---|---|
| State Farm | $60 |
| Country Financial | $66 |
| Metromile | $72 |
| American Family Insurance | $77 |
Savings for Every Kind of Chicago Heights Driver
Based on our extensive insurance data, we know the average Chicago Heights driver will save about 23% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $421 per year by choosing the right vehicle insurance company. Some Chicago Heights residents are paying out over $1,801 extra every year for auto insurance in Chicago Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Chicago Heights, IL Savings / Yr. |
|---|---|
$421 |
|
$791 |
|
$633 |
|
$664 |
|
$1,635 |
|
$471 |
|
$604 |
Chicago Heights Car Insurance vs. Illinois
People living in Chicago Heights pay an average of 19.20% more than the typical driver in the state. The average driver in Chicago Heights can expect to pay about $1,069 per year, or $1,801 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Chicago Heights for most people.
Car Insurance Prices by Chicago Heights Neighborhood
Insurance Prices
Where is insurance cheapest within Chicago Heights?
The map shows insurance prices in and around Chicago Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $426 per year within the city boundaries, with insurance premiums ranging from a high of $1,993 to a low of $1,567. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Southeast parts of Chicago Heights.Pick the Best Car Insurance Company for You in Chicago Heights
The best car insurance provider for most drivers in Chicago Heights
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $421 over the average Chicago Heights car insurance company.
The best car insurance provider for Chicago Heights drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $791 over the competition.
The best car insurance company for Chicago Heights drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $633 better than other car insurance companies.
The best auto insurance for Chicago Heights drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $664 less each year.
The least expensive car insurance company for new and young drivers in Chicago Heights
In Chicago Heights, State Farm costs young drivers $1,635 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Chicago Heights
State Farm gave the largest car insurance discounts to married couples, averaging $471 saved each year compared to an average Chicago Heights couple's premiums.
The cheapest car insurance in Chicago Heights for drivers with bad credit
The best Chicago Heights car insurance company for customer service
Nationwide was the best company for customer service in Chicago Heights according to the NAIC.
Recent price drops
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The cheapest large national provider in Chicago Heights
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Chicago Heights driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Chicago Heights, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, young drivers, drivers with bad credit, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Chicago Heights
What Influences the Cost of Car Insurance in Chicago Heights?
On average, car insurance in Chicago Heights is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Chicago Heights is 34 minutes, which is a little more than average for a driver in the state.
- Illinois state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Chicago Heights are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Chicago Heights is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Chicago Heights is $89 per month for minimum coverage and $150 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- South Chicago Heights: Insurance costs 5.16% less
- Olympia Fields: Insurance costs 6.72% more
- Park Forest: Insurance costs 3.16% more
- Flossmoor: Insurance costs 4.22% more
- Glenwood: Insurance costs 4.61% more
- Ford Heights: Insurance costs 3.66% more
- Steger: Insurance costs 5.11% less
- Homewood: Insurance costs 0.50% more
- East Hazel Crest: Insurance costs 1.33% more
- Sauk Village: Insurance costs 1.55% less
Cities with Similar Populations
- Arlington: Insurance costs 19.27% less
- Arroyo Grande: Insurance costs 3.55% more
- Horn Lake: Insurance costs 4.78% more
- Temescal Valley: Insurance costs 19.77% more
- Kihei: Insurance costs 22.49% less
- Temple Terrace: Insurance costs 64.24% more
- Jonesborough: Insurance costs 27.87% less
- Johnston: Insurance costs 28.04% more
- Jenison: Insurance costs 48.92% more
- Jeffersontown: Insurance costs 19.21% more