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Cheapest car insurance in Calumet Park, Illinois (Nov 2024)
Cheapest car insurance in Calumet Park, Illinois (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Calumet Park, Illinois.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Jessica Barrett, Senior Car & Insurance Editor
What's on this page?
- Cheapest Car Insurance Quotes in Calumet Park
- Cheapest Calumet Park car insurance for good drivers
- Best car insurance companies in Calumet Park
- Best cheap car insurance quotes in Calumet Park
- Average cost of car insurance in Calumet Park
- Car insurance quotes in Calumet Park by rating factors
- How do different factors impact your car insurance costs in Calumet Park?
- Cheap car insurance quotes in Calumet Park after driving violations
- Cheap car insurance quotes in Calumet Park by age
- Cheap car insurance quotes in Calumet Park based on insurance history
- Cheap car insurance quotes in Calumet Park for popular cars
- How to lower car insurance costs in Calumet Park
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Cheapest Car Insurance Quotes in Calumet Park
Car insurance
in Calumet Park, Illinois
costs an average of $55 a month for minimum liability insurance and $201 a month for full coverage. That’s slightly higher than the Illinois state average, but a bit lower than the national average.When you’re looking for affordable auto insurance coverage in Calumet Park, it can be difficult to know where to turn. It seems like every insurance company claims to offer the lowest rates—so how do you know which ones really do?
The truth is, there’s not one single auto insurance provider that can provide the lowest premiums to all Calumet Park drivers. Your car insurance premiums are based on a highly individualized combination of factors. On top of that, each insurer calculates rates differently, so you could pay very different rates from one company to the next—even for the exact same coverage.
To find the cheapest car insurance quotes for you, use
Jerry
to quickly compare offers from over 55 insurance companies. In seconds, you’ll be able to browse quotes at varying coverage levels, so it’s fast and easy to find the best rate for your insurance needs.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Mercury | $317 | Oscar, 26 Zip: 60827 | KIA Forte FE | • 50,000/100,000 Liability • Comp / Collision |
| National General | $74 | Gary, 32 Zip: 60827 | Chevrolet Equinox LT | • State Minimum Liability |
Clearcover | $129 | Milton, 26 Zip: 60827 | Ford Fiesta SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 19, 2024Cheapest Calumet Park car insurance for good drivers
One of the easiest ways to keep your Illinois insurance costs low is to maintain a clean driving record.
If you’re looking for a fun way to practice good driving habits, try using Jerry’s DriveShield™. You’ll get personalized tips to improve your driving score, and you can unlock new car insurance discounts for your safe driving habits.
Check out how local drivers are saving with DriveShield™.
Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Nathaniel, 21 | 66 | 20% | No |
|
Roberto, 34 | 94 | 37% | No |
|
Angel, 44 | 70 | 19% | No |
|
Danny, 54 | 90 | 29% | No |
|
Michael, 64 | 85 | 24% | No |
|
Best car insurance companies in Calumet Park
Jerry wanted to make it easier to help drivers find the best car insurance companies where they live, so we conducted a groundbreaking survey of over 18,000 people to find out what they do and don’t like about their insurers.
Surprisingly, some of the companies with the biggest market share—like
State Farm
, Allstate
, Country Insurance, Travelers
, and Assurant—scored mixed reviews from customers in categories like price and customer satisfaction.Here’s how Calumet Park drivers rated some of the area’s largest insurance companies.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 3.9 | 4.1 | 4.4 |
| Allstate | 4.4 | 3.6 | 4.2 | 4.7 |
Liberty Mutual | 4.2 | 4 | N/A | 4.2 |
| State Farm | 3.9 | 3.7 | 2.8 | 4.1 |
| Geico | 3.7 | 2.9 | 4.2 | 3.7 |
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.
Best cheap car insurance quotes in Calumet Park
All Calumet Park drivers are legally required to carry at least the minimum amounts of
liability insurance
and uninsured/underinsured motorist coverage (UM/UIM)
established by Illinois car insurance laws
.Liability insurance will help pay for medical bills and vehicle repairs for others if you cause an accident, while UM/UIM will help cover medical expenses for you and your passengers if you’re in an accident with an uninsured driver or your medical costs exceed the at-fault driver’s liability limits.
Cheap minimum liability insurance quotes in Calumet Park
Illinois car insurance requirements are sometimes described as 25/50/20, which stands for:
- $50,000 of bodily injury liability coverage per accident
- $25,000 of UM/UIM bodily injury coverage per person
- $50,000 of UM/UIM bodily injury coverage per accident
You’ll pay the least for your car insurance policy if you only purchase the minimum required liability limits—but this could leave you under-protected in the event of an accident.
Clearcover
Milton (26 years old)
$129
per month
Gary (32 years old)
$74
per month
Do you need more than minimum coverage in Calumet Park?
It’s almost always a good idea for Calumet Park drivers to increase their liability to more than 25/50/20.
If you cause a serious accident with injuries, medical bills and repair costs could easily exceed your liability limits—and according to
Illinois’ car accident laws
, you can be sued in a personal injury lawsuit for up to two years following a serious accident.Most insurance experts recommend raising your liability limits to 50/100/50 or 100/300/100. That might sound like a big jump but it usually only costs a few extra dollars a month, and the added protection could be invaluable if you cause an accident.
Cheap full coverage car insurance quotes in Calumet Park
If you want your insurance policy to cover repairs to your own vehicle, you’ll need to invest in
full coverage car insurance
, which includes: - Collision coverageto cover the costs of repairing or replacing your car following an accident with another vehicle or stationary object.
- Comprehensive coverageto cover the costs of repairing or replacing your car from damage caused by theft, vandalism, or natural disasters.
Need to know: If you’re leasing or financing your vehicle, your lender will typically require you to carry full coverage as part of your lending terms.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Mercury | $317 | Oscar, 26 Zip: 60827 | KIA Forte FE |
• State Minimum Liability • Comp / Collision | National General | $191 | Virgie, 70 Zip: 60827 | Hyundai Elantra SE |
• State Minimum Liability • Comp / Collision | Clearcover | $129 | Milton, 26 Zip: 60827 | Ford Fiesta SE |
Last Updated Nov 19, 2024No matter what coverage levels you choose, the best way to find the cheapest car insurance is to get a quote from at least 3–5 insurance companies. And the easiest way to do that is to shop with Jerry. Jerry compares quotes from over 55 insurance companies and then sends the best offers straight to your phone.
"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 Calumet Park
In Calumet Park, IL, minimum liability insurance costs an average of $55 a month and full coverage costs an average of $201 a month.
But while you can get a general idea of what your car insurance might cost by looking at the average for your area, insurance rates are based on a complicated formula of individual factors—meaning your premiums could be higher or lower than the Calumet Park average.
Compare car insurance costs in other states
Car insurance quotes in Calumet Park by rating factors
Here are some of the factors Calumet Park insurance companies may consider when they’re
setting your insurance premiums
.- Driving history: Safe drivers pay less for car insurance than drivers who have accidents or tickets on their record.
- Age: You’ll pay more for your car insurance if you’re under the age of 25.
- Vehicle: Insurers charge more to insure cars that cost more to repair or replace, as well as vehicles that have lower safety ratings or higher theft rates.
- Location: Your car insurance rates will be higher if you live in a neighborhood neighborhood with more frequent auto thefts or higher rates of insurance claims.
- Credit score: If you have excellent credit, you’ll likely pay less for your car insurance than someone with poor credit.
How do different factors impact your car insurance costs in Calumet Park?
How do different factors impact your car insurance costs in Calumet Park?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Calumet Park currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Calumet Park:
Cheap car insurance quotes in Calumet Park after driving violations
Car insurance companies will consider your
Illinois driving record
when they’re calculating your insurance premiums. If you have a history of violations like speeding tickets, insurers will consider you a high-risk driver, and they’ll raise your rates as a result.Cheapest car insurance in Calumet Park after an at-fault accident
If you’re found to be at fault for an accident, you’ll probably notice a sharp rise in your car insurance costs.
While accident forgiveness can help you avoid a surcharge on your premium after your first at-fault accident, your rates may still go up due to the loss of a safe driver or accident-free discount.
It can take a few years for your rates to go back down following an at-fault accident. In the meantime, comparison shop with Jerry to try to find the lowest available rate.
Cheapest car insurance in Calumet Park after other driving violations
You can expect your car insurance costs to increase after almost any traffic violation—while more serious offenses like
reckless driving
will lead to higher rates, repeated minor offenses can cause your premiums to go up significantly as well.Cheap car insurance quotes in Calumet Park by age
Insurance companies consider age to be a good indicator of a driver’s experience and safety behind the wheel. Teen drivers pay the highest rates, with insurance costs staying high until a driver reaches about the age of 25. Rates stay low for safe drivers through adulthood, then tend to rise again as a driver reaches their senior years.
Cheapest car insurance in Calumet Park for senior drivers
Senior drivers may be more likely to get into car accidents due to slowed reaction times and vision and hearing changes. 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 safe on car insurance for seniors, but our expert customer service agents can help answer any questions you might have during the shopping process. The cards below show how much senior drivers pay each month for coverage with the Jerry app.
Virgie (70 years old)
$191
per month
Cheap car insurance quotes in Calumet Park based on insurance history
Letting your
insurance coverage lapse
for even a short time is a serious red flag for insurance companies—and that will lead them to raise your car insurance rates. Jerry can help you avoid an insurance lapse by reminding you when your payment is due. And we’ve helped Calumet Park drivers find affordable insurance, even if they’ve had an insurance lapse or were uninsured when they shopped for a new policy.
Sophie (69 years old)
$191
per month
Edwin (69 years old)
$191
per month
Clearcover
Ruth (69 years old)
$198
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Needed to make adjustments to my finances and expenses. Saved me money and time
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They have great pricing and coverage!
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Great insurance I've had so far great helpful employees
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Great coverage for a great price!
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Cheap car insurance quotes in Calumet Park for popular cars
Insurance companies also consider your vehicle when they’re setting your insurance rates. If you drive an expensive or rare car, it will cost more to repair or replace—and that means your insurer will have to pay more if you file a claim.
On the other hand, if you drive a practical car with excellent safety ratings, it will probably cost less to insure.
Here are the five most popular models on Calumet Park’s roads:
How to lower car insurance costs in Calumet Park
1. Shop around and compare quotes
Because every insurance company has its own method of setting rates, the only way to be sure you’re getting the lowest price on your car insurance is to compare free quotes from at least 3–5 companies. You should also
shop around for car insurance quotes
before your policy renews—usually every six months.That might sound like a hassle, but it’s easy with Jerry. We’ll compare rates from at least 55 insurance companies, then send the most competitive offers straight to your phone.
2. Hunt for car insurance discounts
One of the easiest ways to save on your car insurance is with discounts. Many providers will offer some or all of the following
car insurance discounts
, so check your provider’s website or ask your insurance agent about which ones are available: - Safe driving: You may get a discount on your premium for keeping aclean driving recordfor three years or more.
- Tracking your driving: If you’re a safe driver, you might save by using an app or telematics device to track your driving habits.
- Good student: You may be able to save on your car insurance if you’re a full-time high school or college student with a B average or better.
- Bundling: If youcombine your auto insurancewith your home insurance, renters insurance, or life insurance, you may be able to save on each policy.
3. Increase your deductible for comprehensive and collision coverage
Full coverage insurance requires a deductible, which you set when you purchase your policy. The higher your deductible, the lower your insurance premium will be—so as long as you can afford to pay it on short notice, raising your deductible is an easy way to lower your rate.
Why is car insurance in Calumet Park so expensive?
- Congestion: More cars on the road means you have a higher chance of getting into an accident every time you get behind the wheel—so insurance rates are higher in areas with more traffic.
- Theft: High auto theft rates in Calumet Park mean a higher chance of filing a comprehensive claim. Your rates will be higher as a result.
- Fatality rates: Many of the fatal crashes in Illinois happen in urban areas like Calumet Park, which is likely a factor in the higher-than-average insurance rates.
FAQ
How much is car insurance in Calumet Park?
People living in Calumet Park pay on average $55 per month – or $660 per year – on state-minimum liability coverage. Full coverage in Calumet Park costs on average $201 per month or $2,412 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Calumet Park?
Based on thousands of Calumet Park drivers Jerry has worked with, car insurance in Calumet Park costs an average of $55 per month for state-minimum coverage and $201 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Calumet Park?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Founders, State Auto, and Travelers receive good ratings from Calumet Park drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
What is the minimum car insurance in Calumet Park?
The state-minimum car insurance in Calumet Park, Illinois is as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
These coverages are commonly referred to as 25/50/20 coverage.
Additionally, Illinois drivers must also carry at least $25,000 per person / $50,000 per accident in uninsured/underinsured motorist coverage (UM/UIM).
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
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Jessica Barrett
Car Expert
Jessica Barrett is a senior insurance writer and editor with 10 years of experience in the automotive and travel industries. A specialist in car insurance, car loans, and car ownership, Jessica’s mission is to create comprehensive content that car owners can use to manage their costs and improve their lives. As a managing editor for a team of writers and insurance specialists, Jessica has edited over 2,000 articles for Jerry on topics ranging from local insurance shopping tips to refinancing car loans with bad credit.
Before joining Jerry as a senior content editor in 2021, Jessica created visual content for clients such as Expedia, Vivid Seats, Budget Direct Car Insurance, Angie’s List, and HomeAdvisor. Her content was published in Business Insider, Forbes, Apartment Therapy, and the BBC.
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.