Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Harwood Heights, IL
We monitor insurance prices, helping the average driver in Harwood Heights save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Harwood Heights
The chart below shows the cheapest car insurance company in Harwood 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.
| Harwood Heights Insurer | Monthly Cost |
|---|---|
| State Farm | $63 |
| Country Financial | $68 |
| Metromile | $74 |
| American Family Insurance | $80 |
Savings for Every Kind of Harwood Heights Driver
Based on our extensive insurance data, we know the average Harwood 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 $437 per year by choosing the right vehicle insurance company. Some Harwood Heights residents are paying out over $1,872 extra every year for auto insurance in Harwood Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Harwood Heights, IL Savings / Yr. |
|---|---|
$437 |
|
$823 |
|
$658 |
|
$690 |
|
$1,700 |
|
$489 |
|
$628 |
Harwood Heights Car Insurance vs. Illinois
People living in Harwood Heights pay an average of 23.92% more than the typical driver in the state. The average driver in Harwood Heights can expect to pay about $1,112 per year, or $1,872 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Harwood Heights for most people.
Car Insurance Prices by Harwood Heights Neighborhood
Insurance Prices
Where is insurance cheapest within Harwood Heights?
The map shows insurance prices in and around Harwood Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $157 per year within the city boundaries, with insurance premiums ranging from a high of $1,917 to a low of $1,760. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of Harwood Heights.Pick the Best Car Insurance Company for You in Harwood Heights
The best car insurance provider for most drivers in Harwood Heights
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $437 over the average Harwood Heights car insurance company.
The best car insurance provider for Harwood 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 $823 over the competition.
The best car insurance company for Harwood Heights drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $658 better than other car insurance companies.
The best auto insurance for Harwood Heights drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $690 less each year.
The least expensive car insurance company for new and young drivers in Harwood Heights
In Harwood Heights, State Farm costs young drivers $1,700 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Harwood Heights
State Farm gave the largest car insurance discounts to married couples, averaging $489 saved each year compared to an average Harwood Heights couple's premiums.
The cheapest car insurance in Harwood Heights for drivers with bad credit
The best Harwood Heights car insurance company for customer service
Nationwide was the best company for customer service in Harwood Heights according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Harwood Heights, which was better than other insurers.
The cheapest large national provider in Harwood Heights
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Harwood 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 Harwood 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 Harwood Heights
What Influences the Cost of Car Insurance in Harwood Heights?
On average, car insurance in Harwood 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 Harwood Heights is 42 minutes, which is far more than average for a driver in the state.
- Illinois state insurance regulations may allow for lower prices.
- An average of 15 to 16 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Harwood Heights are about average 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 D+ according to CrimeGrade.org.
- Harwood Heights is one of the least populated areas 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 Harwood Heights is $93 per month for minimum coverage and $156 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
- Norridge: Insurance costs 3.85% less
- Elmwood Park: Insurance costs 0.27% less
- River Grove: Insurance costs 5.24% less
- Schiller Park: Insurance costs 4.17% less
- Park Ridge: Insurance costs 11.00% less
- Franklin Park: Insurance costs 3.74% less
- Rosemont: Insurance costs 10.04% less
- Lincolnwood: Insurance costs 5.61% less
- Niles: Insurance costs 6.36% less
- River Forest: Insurance costs 10.52% less
Cities with Similar Populations
- Pompton Plains: Insurance costs 5.98% less
- Needville: Insurance costs 11.27% less
- Nellis Afb: Insurance costs 31.52% more
- New Hudson: Insurance costs 52.99% more
- Palos Park: Insurance costs 14.85% less
- Peru: Insurance costs 25.43% less
- Pine Bush: Insurance costs 24.73% more
- Pine Hill: Insurance costs 0.53% less
- Pinehurst: Insurance costs 9.51% less
- Pitman: Insurance costs 4.17% less