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Cheapest car insurance in La Grange, Illinois (Apr 2024)
Cheapest car insurance in La Grange, Illinois (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in La Grange, Illinois.
Find Insurance Savings
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Quotes from top insurance companies
Andrea Barrett
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- Cheapest car insurance quotes in La Grange
- Best car insurance companies in La Grange
- Best cheap car insurance quotes in La Grange
- Average cost of car insurance in La Grange
- Car insurance quotes in La Grange by rating factors
- How do different factors impact your car insurance costs in La Grange?
- Cheap car insurance quotes in La Grange after driving violations
- Cheap car insurance quotes in La Grange by age
- Cheap car insurance quotes in La Grange based on insurance history
- Cheap car insurance quotes in La Grange for popular cars
- How to lower car insurance costs in La Grange
- FAQs
- Sources
- Methodology
- Meet our experts
Load full table of contents
Cheapest car insurance quotes in La Grange
Chicago (and the surrounding area) is known for their museums and architecture—not to mention Chicago-style hot dogs and deep-dish pizza—but residents also know it for its high
auto insurance
rates.While La Grange and other areas within the Chicago boundaries might not take the cake for the most expensive insurance rates in the nation, La Grange drivers pay an average of $128 per month for full coverage auto insurance and $91 per month for state minimum insurance coverage—about 9% higher than the state average.
Treacherous winter driving conditions, skyrocketing auto theft rates, and a lack of oversight for insurance rates all contribute to La Grange’s high car insurance prices. But finding cheap insurance isn’t impossible. Shopping around and comparing quotes with a broker like
Jerry
can give you instant access to the cheapest rates for La Grange car insurance.Check out the table below to see real quotes that drivers found from La Grange-area car insurance providers in the past month using the Jerry app.
Coverage type | La Grange, IL | Illinois | United States |
|---|---|---|---|
State minimum | $91 | $63 | $77 |
Full coverage | $128 | $138 | $165 |
Best car insurance companies in La Grange
No single insurance provider will offer the best rates for every La Grange driver—and when it comes to finding the right policy, it’s not all about price. Other factors, such as customer service and claims handling, are also important when searching for a provider.
To take the stress away from insurance shopping for La Grange drivers, Jerry conducted a nationwide survey of over 18,000 drivers, asking policyholders to rate their current insurance provider on policy costs, claims handling, customer service, and the purchase and renewal process.
We combined our findings from the survey with real quote data from La Grange-area drivers and found the top companies that charge less than the citywide average for state minimum coverage and receive an overall score of 4 stars or higher in our customer survey’s overall rating.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$56 | $109 | 3.8 | 4.2 | |
$58 | $100 | 4.2 | 4.4 | |
$59 | $112 | 4.2 | 4.5 | |
$83 | $98 | 4.0 | 4.2 | |
$67 | $133 | 4.8 | 4.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
While larger insurance providers like State Farm, Allstate, and Progressive dominate the market share in Illinois, policy costs tend to be more expensive, and La Grange drivers prefer other companies like Nationwide, Safeco, and National General that can focus on the customers’ insurance needs.
Best cheap car insurance quotes in La Grange
Finding the cheapest car insurance quotes in La Grange isn’t as simple as settling for the first policy you find—it’s about deciding between state minimum insurance or a full coverage policy.
While state minimum coverage is the cheapest option for La Grange auto insurance, our insurance experts at Jerry typically recommend purchasing liability coverage that exceeds your state’s requirements—50/100/50 is recommended, but 100/300/100 is even better—and adding full coverage (collision and comprehensive).
Cheap minimum liability insurance quotes in La Grange
Illinois drivers are required to carry liability coverage that meets or exceeds the 25/50/20 requirements.
- $50,000 of bodily injury liability coverage per accident
- $25,000 of uninsured/underinsured (UM/UIM) motorist bodily injury coverage per person
- $50,000 of UM/UIM bodily injury coverage per accident
Minimum coverage is the cheapest option for La Grange drivers at $91 per month, or $1,092 every year—though rates can vary across different providers.
Insurance company | Monthly minimum coverage cost |
|---|---|
Clearcover | $36 |
$46 | |
$56 | |
$57 | |
$59 |
Do you need more than minimum coverage in La Grange?
In most cases, yes. La Grange's minimum coverage requirements are similar to most states, but drivers can benefit from topping up their liability coverage beyond the state's minimum requirement of 25/50/20.
The reason: Liability coverage and UM/UIM will cover third-party costs if you cause an accident or are involved in a collision with an uninsured driver, but they won’t cover your costs, including damage from snow and ice. It can also leave you vulnerable to severe financial penalties if you cause property damage that exceeds $20,000.
The bottom line: Doubling your liability and UM/UIM coverage limits won’t double your rates, but it’ll provide better financial protection in the event of a serious car accident.
Cheap full coverage car insurance quotes in La Grange
Full-coverage auto insurance
isn't required by law in Illinois, but it’s essential to protect yourself from repair or replacement costs for your vehicle. A full coverage policy includes collision coverage
and comprehensive coverage
. - Collision coverage pays for repairing or replacing your car following an accident with another vehicle or stationary object.
- Comprehensive coverage pays for the repair or replacement of your car for non-collision-related incidents, such as theft, vandalism, or natural disasters.
Also note that if you loan or lease your vehicle, your lender may require you to maintain collision and comprehensive coverage for the duration of your loan or lease.
Have a look at how much you can expect to pay for full coverage as a La Grange motorist.
Insurance company | Monthly full coverage cost |
|---|---|
$59 | |
Clearcover | $97 |
$97 | |
$98 | |
$100 |
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in La Grange
Illinois drivers typically pay less than the national average for auto insurance, but with its proximity to Chicago, one of the biggest (and busiest) cities in the country, La Grange drivers’ insurance rates don’t always align with the rest of the state. On average, drivers in La Grange pay about $1,314 per year for insurance—roughly 11% less than the national average, but 8% more than the state average.
Illinois auto insurance isn’t regulated
Illinois is one of only two states that doesn’t have any form of oversight on auto insurance2, and some drivers have seen exponential increases for no apparent reason. According to an auto insurance report by Illinois PIRG and the Consumer Federation of America, Illinois car insurance rates climbed by more than $500 million3 only halfway through 2023, thanks to five of the largest providers.
Although some rates have increased for legitimate reasons, Illinois doesn't have a regulatory body that looks at increases to determine if they’re excessive or unfair. PIRG and the Consumer Federation of America have backed a proposed legislation that would make the Illinois Department of Insurance responsible for overseeing auto insurance rates. This legislation would also put an end to allowing non-driving factors, such as education level, gender, and credit scores, to influence insurance rates.
Winter driving conditions are hazardous
Illinois is one of a handful of states that experiences hazardous winter weather that can be havoc for insurance providers. Located on the south-eastern tip of Lake Michigan, Illinois experiences low-pressure systems that strike hard, leaving much of the state covered in thick snow and ice—prime conditions for winter collisions.
According to the State Climatologist Office for Illinois, severe winter storms in Illinois cause more damage than any other short-term severe weather event.
According to the State Climatologist Office for Illinois, severe winter storms in Illinois cause more damage than any other short-term severe weather event.
While Illinois drivers have become pros at navigating through treacherous winter driving conditions, major snow and ice storms are a big threat to property—including your vehicles. Icy, snow-covered roads drastically also increase the risk of car accidents, adding to the cost of both liability and full coverage insurance policies in La Grange.
Auto theft rates have soared
Chicago area car thefts reach an unprecedented rate in 2023. Chicagoans reported 7 victims for every 1,000 residents in 2022, but that rate has already increased by 9 vehicle thefts per 1,000 in 2023—compare that to both the state and national averages, which are about 3 thefts per 1,000 residents.5
Here’s a look at how car theft rates have changed in the Chicago area by year from 2020 through October 2023.6
Year | Auto thefts |
|---|---|
2020 | 9,959 |
2021 | 10,603 |
2022 | 21,446 |
2023 | 24,709 |
Compare car insurance costs in other states
Car insurance quotes in La Grange by rating factors
Every insurance company in La Grange uses a different algorithm to
calculate auto insurance premiums
, meaning quotes will vary between providers, even for the exact driving profile.Some of the most important factors influencing your auto insurance rates include:
- Your driving record and claims history: A history of accidents and moving violations leads to higher insurance rates than drivers with a clean record.
- Your age: Insurers consider young drivers a higher risk due to minimal driving experience and, therefore, charge higher premiums.
- Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.
- Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.
- Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.
How do different factors impact your car insurance costs in La Grange?
How do different factors impact your car insurance costs in La Grange?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): La Grange currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in La Grange:
Cheap car insurance quotes in La Grange after driving violations
Your
Illinois driving record
is one of the most significant influencing factors when insurers determine your car insurance premium. The more driver violation points and tickets you have against your driver’s license, the more you’ll pay to insure your car.Some car insurance companies will work with a high-risk driver profile, while others won't—especially if you received a serious conviction, like a DUI or
reckless driving
charge. Cheapest car insurance in La Grange after a speeding ticket
The repercussions for speeding tickets in La Grange vary based on the severity of the offense. While a single
Illinois speeding ticket
for driving 5 mph over the limit can increase rates, a more severe conviction, such as reckless driving, can send your premiums through the roof. Thankfully, some providers are more forgiving of violations like speeding tickets. By working with a broker like Jerry, you’re more likely to come across an insurer that will offer you more affordable car insurance after a ticket.
Let’s take a look at how much it costs the average Illinois driver for insurance after a speeding ticket charge.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Speeding | $145 | 33% |
Cheapest car insurance in La Grange after DUI
- A fine of up to $2,500
- Jail sentence of up to one year
- Driver’s license suspension of at least one year
- Community service sentence of up to 100 hours
The penalties become more severe for subsequent DUI offenses.
On top of the legal consequences, you’ll also see significantly higher car insurance costs—but Jerry may still be able to help.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
DUI | $192 | 76% |
Cheapest car insurance in La Grange after an at-fault accident
If you need another reason to keep a
clean driving record
, keep in mind that high-risk drivers pay higher car insurance rates. Even multiple small, at-fault car accidents can add up to a significant price premium.Here’s how much your rates can increase from an at-fault accident charge.
Driving record | Monthly coverage cost | Rate increase (%) |
|---|---|---|
At-fault accident | $134 | 23% |
So if you’re wondering why your rates are so high, first check your
Illinois driving record
—and then download Jerry to compare quotes and find a better plan.Cheapest car insurance in La Grange after other driving violations
Most traffic violations increase your insurance rates, such as driving without a license, stunt driving, or
reckless driving in Illinois
. If you’re stuck with a ticket and unaffordable coverage, here’s where to look in Illinois.Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Improper passing | $138 | 21% |
Failure to obey signal | $168 | 35% |
Illegal turn | $170 | 36% |
Leaving scene of an accident | $174 | 37% |
Cheap car insurance quotes in La Grange by age
Car insurance rates are partially determined by how much driving experience you have, along with the risk you pose to an insurer. Teen drivers aged 16 to 19 pay some of the highest premiums of any age group, while seniors also pay more due to increased vulnerability.
If you fall outside the ideal bracket for car insurance savings (25 to 75), here’s what you can do:
Cheapest car insurance in La Grange for young drivers
Teen drivers between the ages of 16 and 19 are statistically more likely to get into an accident, so they pay the highest rates of any age group.
The best way to keep costs low for
young drivers
is to keep them on their parents’ policy for as long as possible—and shop with Jerry to find the most affordable coverage for teen drivers in Illinois. Here’s how much car insurance costs on average for young motorists in IL.
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
<18 | $249 | $505 |
18-21 | $157 | $376 |
Cheapest car insurance in La Grange for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+.
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
22-25 | $109 | $266 |
26-34 | $80 | $190 |
35-44 | $67 | $162 |
45-54 | $66 | $148 |
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.
Cheapest car insurance in La Grange for senior drivers
Senior drivers may be more likely to get into car accidents due to slower reaction times and vision and hearing changes that increase the risk of collisions. They’re also more likely to be seriously injured if they do get into a collision. Because of that, insurance companies often charge higher rates for senior drivers.
To find the
best senior car insurance
, look for a company that rewards drivers for safe driving or keeping low mileage on their vehicles. Also, prioritize a company with good customer service.With Jerry, not only can you save on car insurance for seniors, but our expert customer service agents can help answer any questions you might have during the shopping process.
Here’s how much insurance costs the average senior motorist in Illinois.
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
55-64 | $66 | $137 |
65+ | $73 | $141 |
Cheap car insurance quotes in La Grange based on insurance history
Insurers want to see you’ve had a continuous insurance history, which signals you’re not a high-risk driver. If you’ve been uninsured or had a
coverage lapse
in the past, it could lead to higher insurance premiums. With Jerry's automatic reminders, you can find a fresh start at a new company and remember your payments. You'll receive a detailed price comparison when it's time to renew so you can see if your current rates are still the most competitive in La Grange.
Benjamin (30 years old)
$98
per month
Polly (36 years old)
Currently Insured
CoverageState Minimum
La Grange, IL (Zip Code: 60525)
$66
per month
Clearcover
Todd (36 years old)
Currently Insured
CoverageState Minimum
La Grange, IL (Zip Code: 60525)
$116
per month
Clearcover
Jane (36 years old)
Currently Insured
CoverageState Minimum
La Grange, IL (Zip Code: 60525)
$116
per month
Finding cheap car insurance in La Grange: Hear from real drivers
We asked drivers in Illinois to review their car insurance providers—and share their 5-star experience shopping with Jerry. Here’s what we found.
I absolutely love Bristol West. They are a great insurance company. VERY affordable. They work well with people who don't have the best driving record.
Megan, Taylorville, IL
Whenever I need an adjustment to my plan, or have any questions, the representatives on online chat are quick, clear, and helpful. The rates are super! We'll definitely continue using them.
Chana, Skokie, IL
The sales rep that I talked to was an absolute delight and was happy to answer all of my questions! They got me more coverage for the same price I was paying with my previous provider!
Meghan, Roanoke, IL
Cheap car insurance quotes in La Grange for popular cars
The type of car you drive helps determine your annual insurance premiums. When calculating premiums, insurers consider your car’s value, safety ratings, likelihood of theft, and cost of repairs. Safer and cheaper cars tend to mean lower insurance rates.
Here are the five most popular models on La Grange’s roads:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 | Nationwide | $53 | Jeremy, 31 Zip: 60525 | • State Minimum Liability • Comp / Collision |
| Chevrolet Silverado | Progressive | $65 | Bessie, 43 Zip: 60525 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 19, 2024How to lower car insurance costs in La Grange
1. Shop around and compare quotes
Dangerous winter driving conditions, rising car theft rates, and a lack of insurance rate oversight mean La Grange drivers are seeing higher-than-average insurance costs—but the only way to ensure you’re getting the cheapest rate is to
shop around and compare quotes
.Comparison shopping can be a tedious task, but with help from an independent broker like Jerry, it becomes easy. In under a minute, Jerry compares auto insurance quotes from the most popular La Grande-area insurance providers using your unique driving profile.
2. Hunt for car insurance discounts
Car insurance discounts
are one of the easiest ways to save on your auto insurance premium in La Grange. While all insurers offer them, what’s available will vary based on your location and the provider.Here’s a look at some of the most popular car insurance discounts:
- Good drivers. If you’ve held aclean driving recordfor at least three years, you’re due for some sweet discounts.
- Telematics device users. Telematics devices are designed to track your driving habits—the safer you drive, the more you could save on your premium.
- Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
- Insurance bundlers. Bundle your car and homeowners insurance (or auto and renters insurance) and you could pay less for each of them.
3. Increase your deductible for comprehensive and collision coverage
If you have a full coverage auto insurance policy with collision and comprehensive, increasing your deductible to the highest amount you can afford upfront is the easiest way to reduce your monthly payments. The higher your deductible, the lower your payments.
Just remember that this is often a last resort, and should only be considered if you can reasonably afford to
FAQs
How much is car insurance in La Grange?
Drivers in La Grange pay an average of $91 per month or $1,092 per year for state minimum liability coverage, while a full coverage policy in La Grange costs an average of $128 per month or $1,536 per year.
What is the cheapest car insurance in La Grange?
State minimum coverage, which costs about $91 per month and includes bodily injury liability, property damage liability, and UM/UIM bodily injury coverage, is the cheapest option for affordable car insurance in Illinois.
What is the best car insurance in La Grange?
Finding the best rate on auto insurance is important, but claims handling and customer service are also important when choosing an insurance provider. Progressive, Safeco, and Travelers received good ratings from La Grange drivers, according to the largest car insurance survey in the nation conducted by Jerry.
What is the minimum car insurance in La Grange, Illinois?
Drivers in Illinois are required to carry auto insurance that meets or exceeds the state's 25/50/20 limits—$25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $20,000 in property damage liability per accident. Drivers are also required to carry equal amounts of uninsured/underinsured (UM/UIM) motorist bodily injury coverage per person/per accident.
Sources
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
