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Get Cheap Car Insurance in Prospect Heights, IL

We monitor insurance prices, helping the average driver in Prospect Heights save up to 28.8% on car insurance.

 

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The Cheapest Minimum Coverage in Prospect Heights

The chart below shows the cheapest car insurance company in Prospect 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.

 
Prospect Heights Insurer Monthly Cost
State Farm $54
Country Financial $59
Metromile $64
American Family Insurance $69

Savings for Every Kind of Prospect Heights Driver

The table shows how much the average auto insurance customer in Prospect Heights might save by following our recommendations.

Based on our extensive insurance data, we know the average Prospect 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 $378 per year by choosing the right vehicle insurance company. Some Prospect Heights residents are paying out over $1,617 extra every year for auto insurance in Prospect Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Prospect Heights, IL Savings / Yr.
Drivers with good records
$378
Drivers with accidents
$711
Drivers with speeding tickets
$568
Drivers with a DUI conviction
$596
Young drivers
$1,468
Married drivers
$423
Drivers with bad credit
$543

Prospect Heights Car Insurance vs. Illinois

People living in Prospect Heights pay an average of 7.03% more than the typical driver in the state. The average driver in Prospect Heights can expect to pay about $960 per year, or $1,617 for full coverage.

Based on our analysis, Lighthouse will be the cheapest provider in Prospect Heights for most people.

Car Insurance Prices by Prospect Heights Neighborhood

Prospect Heights, IL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Prospect Heights?

The map shows insurance prices in and around Prospect Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $308 per year within the city boundaries, with insurance premiums ranging from a high of $1,731 to a low of $1,423. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of Prospect Heights.

Pick the Best Car Insurance Company for You in Prospect Heights

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Prospect Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Prospect Heights

For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $378 over the average Prospect Heights car insurance company.

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We use the average good driver, paying $103 per month, as our baseline for pricing in Prospect Heights. State Farm, Lighthouse, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Prospect Heights drivers with accidents on their records

In Prospect Heights getting into an accident will raise premiums an average 34% for a yearly cost of $2,465. That's $848 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Country Financial, and Metromile are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $711 over the competition.

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The best car insurance company for Prospect Heights drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $568 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Prospect Heights, tickets raise premiums on new quotes about $585. If you have a speeding ticket, we recommend State Farm, Geico, and Country Financial for savings that beat the average insurance cost of $2,203 per year.

The best auto insurance for Prospect Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,440 per year in auto insurance premiums, which was $823 more than a driver with no major issues. State Farm, Kemper, and Country Financial penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $596 less each year.

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The least expensive car insurance company for new and young drivers in Prospect Heights

In Prospect Heights, State Farm costs young drivers $1,468 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 68% more for insurance than more mature drivers in Prospect Heights. With an average cost of $5,100 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Country Financial try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Prospect Heights

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $140. State Farm, Travelers, and Country Financial provided the largest discounts to couples living in Prospect Heights.

State Farm gave the largest car insurance discounts to married couples, averaging $423 saved each year compared to an average Prospect Heights couple's premiums.

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The cheapest car insurance in Prospect Heights for drivers with bad credit

People with poor credit saved an average of $543 with Country Financial.

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Many people are surprised that their poor credit score can cost them an average of $1,011 every year. Premiums for people with poor credit were about $2,629 in Prospect Heights. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Nationwide, and Country Financial.

The best Prospect Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Prospect Heights, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Prospect Heights.

Nationwide was the best company for customer service in Prospect Heights according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Prospect Heights, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Prospect Heights. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Prospect Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 35% of Prospect Heights residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Prospect Heights driver can expect to pay about $98 per month.

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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 Prospect 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.
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Auto Insurance Prices in and Around Prospect Heights

What Influences the Cost of Car Insurance in Prospect Heights?

On average, car insurance in Prospect 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 Prospect Heights is 32 minutes, which is about the national 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 Prospect Heights are lower than 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 A- according to CrimeGrade.org.
  • Prospect 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 Prospect Heights is $80 per month for minimum coverage and $135 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

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* Who is the average Prospect Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Prospect Heights with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.