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Cheapest car insurance in Palos Hills, Illinois (Nov 2024)
Cheapest car insurance in Palos Hills, Illinois (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Palos Hills, Illinois.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- Cheapest car insurance quotes in Palos Hills
- Cheapest Palos Hills car insurance for good drivers
- Best car insurance companies in Palos Hills
- Best cheap car insurance quotes in Palos Hills
- Average cost of car insurance in Palos Hills
- Car insurance quotes in Palos Hills by rating factors
- How do different factors impact your car insurance costs in Palos Hills?
- Cheap car insurance quotes in Palos Hills after driving violations
- Cheap car insurance quotes in Palos Hills by age
- Cheap car insurance quotes in Palos Hills based on insurance history
- Cheap car insurance quotes in Palos Hills for popular cars
- How to lower car insurance costs in Palos Hills
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Cheapest car insurance quotes in Palos Hills
Drivers in Palos Hills pay about $90 per month for liability-only coverage, and $200 per month for full coverage. That’s approximately 43% more than the state average.
If there was a single best car insurance company in Palos Hills, everyone would know it by now. The truth is that the best auto insurance policy varies from driver to driver, and you need to
compare tons of quotes
to find the coverage and the price you want for insurance in Illinois
.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $139 | Angel, 45 Zip: 60465 | Mercedes-Benz GL 63 AMG | • State Minimum Liability • Comp / Collision |
| Bristol West | $189 | Katharine, 45 Zip: 60465 | GMC Sierra K1500 SLE | • State Minimum Liability • Comp / Collision |
| National General | $178 | Bruce, 33 Zip: 60465 | Honda Civic EX | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 19, 2024Cheapest Palos Hills car insurance for good drivers
Good drivers tend to get the lowest rates for coverage. That’s because they present the lowest level of risk for future accidents and claims.
Jerry
's DriveShield™ can help you monitor your driving habits so you can save on auto coverage (up to 40%) in Illinois.Local drivers are using DriveShield™ right now to cut costs on car insurance in Palos Hills.
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 Palos Hills
To find the best rates in Palos Hills, you have to compare quotes and coverage options with multiple providers. Jerry’s mobile app is the best wingman for comparison shopping.
In a recent Jerry survey, real policyholders rated insurance companies on a scale of 0 to 5 across a variety of criteria.
State Farm
, Allstate
, Country Insurance, Travelers
, and Assurant dominate the market in Illinois. But when it comes to ratings from real customers, not every company earned a good grade.Here’s what Palos Hills drivers think about major providers in your area.
| 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 Palos Hills
All drivers in Palos Hills are required to follow
Illinois’ car insurance laws
, which mandate minimum liability coverage
and uninsured motorist/underinsured motorist (UM/UIM)
coverage for all drivers in the state.Liability insurance is required in Palos Hills. This type of coverage pays for the costs (up to your limits) associated with damaged property or injuries you cause in an accident. UM/UIM bodily injury coverage will pay for your own medical bills—and your passengers’—if the costs exceed the limit of the at-fault driver.
Cheap minimum liability insurance quotes in Palos Hills
In Palos Hills, drivers need to purchase at least 25/50/20 in liability insurance. Here’s what that means:
You’re also required to have at least $25,000 per person and $50,000 per accident in UIM/UM
Minimum coverage means low rates—but it also means minimum protection. If you want the cheapest rate and you’re fine with no-frills coverage, check out these rates from real Palos Hills drivers who found minimum coverage with Jerry.
Angel (45 years old)
$139
per month
Clearcover
Carolyn (28 years old)
$76
per month
Katharine (45 years old)
CoverageState Minimum
Palos Hills, IL (Zip Code: 60465)
GMC Sierra K1500 SLE$189
per month
Do you need more than minimum coverage in Palos Hills?
In the eyes of the law, you don’t need more coverage—but your bank account might disagree.
With a minimum liability policy, you’re required to pay for damages that you cause, even if your policy limit doesn’t cover all the costs. In Illinois, drivers only receive $20,000 per accident in property damage liability.
If there is $40,000 worth of damage to the other party’s vehicle, then you’ll be liable to pay the other $20,000 out of pocket. Keep in mind that in Palos Hills, you’re liable for up to two years after the accident, under this state’s
car accident laws
.As a result, most drivers benefit from increasing their liability limits. Try limits of 50/100/50 or 100/300/100—while this will increase your rate, the tradeoff is worth the peace of mind and additional financial protection.
Cheap full coverage car insurance quotes in Palos Hills
Full coverage car insurance
is the only way to cover your own vehicle’s repair costs in the event of an accident. Liability only pays for other people’s damages. With a full coverage policy, you’ll receive liability insurance, along with add-on coverages, such as- Collision coverage: Pays to repair or replace your car after collision-related damages, whether you hit a car or a stationary object.
- Comprehensive coverage: Pays to repair or replace your car due to non-collision causes, like theft, vandalism, or extreme weather.
Illinois doesn’t mandate full coverage, but be aware that lenders can require borrowers to carry full coverage until the loan is paid off. For further car insurance coverage, also consider looking into add-on policies, such as roadside assistance or rental reimbursement.
Cheap full coverage car insurance in Palos Hills is possible! See example rates below.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $139 | Angel, 45 Zip: 60465 | Mercedes-Benz GL 63 AMG |
• State Minimum Liability • Comp / Collision | Bristol West | $189 | Katharine, 45 Zip: 60465 | GMC Sierra K1500 SLE |
• 50,000/100,000 Liability • Comp / Collision | National General | $178 | Bruce, 33 Zip: 60465 | Honda Civic EX |
Last Updated Nov 19, 2024You need insurance, you want to save money, and you need it done right now. Jerry can help on all three counts. Get the free app and find a great policy in seconds.
"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 Palos Hills
On average, drivers in Palos Hills pay approximately $90 per month, or $1,080 annually for liability-only insurance. Those with a full coverage policy often pay around $200 per month, or $2,400 per year for their policies.
It’s possible your cost will be higher or lower, however. Your premium depends on more than your zip code. Your driving history, your age, and your vehicle model all play a role in calculating your rate. Your actual costs could be hundreds of dollars higher than the average—or, if you use a quote-comparison app, hundreds of dollars less.
Compare car insurance costs in other states
Car insurance quotes in Palos Hills by rating factors
To
calculate your rates
, companies use proprietary private formulas that weigh a variety of factors. Here are some of the most important factors:- Parking location: If you live in a zip code with high theft and accident rates, expect to pay more for coverage. For example, high-density areas, like Chicago, tend to have higher rates.
- Age: With less experience behind the wheel, young drivers pay higher prices for coverage—that’s true in Palos Hills and across the country.
- Vehicle: Luxury and sports cars cost more to repair, so they cost more to insure.
- Claims history: A history of claims and accidents predicts future risk. You’ll pay more for insurance if you have violations on record.
- Credit score: Low credit drivers tend to file more claims, which costs companies more. As a result, they pay higher insurance premiums.
How do different factors impact your car insurance costs in Palos Hills?
How do different factors impact your car insurance costs in Palos Hills?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Palos Hills currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Palos Hills:
Cheap car insurance quotes in Palos Hills after driving violations
Any violations on your
Illinois driving record
can drive up your rates significantly. If you’re a Palos Hills driver and you have points on your license, you’ll be tagged a “high-risk driver” and can expect to pay higher-than-average rates in Illinois.Cheapest car insurance in Palos Hills after speeding ticket
You can expect a rate hike of around 13% if you get a single
speeding ticket in Illinois
. If you accumulate multiple tickets or if you were going way over the limit
, expect even higher rates.The good news is that some companies care less about speeding tickets—but they won’t say so publicly. Pull quotes for yourself from a variety of companies to find out which ones offer the lowest rates after a speeding ticket in Palos Hills.
Last Updated Nov 21, 2024Cheapest car insurance in Palos Hills after DUI
A
DUI in Illinois
carries major consequences, like fines (up to $2,500), jail time (up to one year), a driver’s license suspension (at least one year), and community service time (up to 100 hours).DUIs also trigger sky-high insurance rates in Illinois. If you’re struggling to find coverage after a DUI, shop around with Jerry like the Illinois drivers below.
Hallie (33 years old)
$71
per month
Cheapest car insurance in Palos Hills after an at-fault accident
Causing an accident is a red flag for insurance companies. High-risk drivers who file a claim tend to pay higher-than-average rates for coverage, so try to keep a
clean Illinois driving record
.Local drivers with at-fault accidents have found car insurance in Palos Hills with Jerry—see below.
Last Updated Nov 21, 2024Cheapest car insurance in Palos Hills after other driving violations
Even relatively minor violations can bump up your rates, from blowing through a stop sign to driving without a license or stunt driving. If you’re stuck with a ticket and unaffordable coverage, here’s where to look in Palos Hills:
Last Updated Nov 21, 2024Cheap car insurance quotes in Palos Hills by age
Insurance rates track your age as a key risk factor. Rates start high when you’re young, drop down when you reach age 25, and rise again when you reach age 65.
Cheapest car insurance in Palos Hills for young drivers
Teens have the least experience behind the wheel. Even good drivers, if they’re young, are statistically more likely to get into an accident.
Young drivers between 16 and 19
pay the highest auto insurance rates of any group. Try cutting costs by unlocking a good student discount and staying on a parent’s policy as long as possible. Check out these rates in Palos Hills for young drivers, and get a quote for yourself with Jerry.
Alvin (19 years old)
$70
per month
Eunice (23 years old)
$71
per month
Cheapest car insurance in Palos Hills for senior drivers
Drivers 55+ tend to enjoy affordable rates—until they turn 65. With slower reflexes and worsening vision and hearing, older drivers are more vulnerable to accidents. They also tend to need longer and more expensive hospital stays after an accident.
To find the best
senior car insurance in Illinois
, choose a company that rewards low-mileage drivers and safe drivers with discounts. Here are some sample rates for older drivers in Palos Hills.
Cheap car insurance quotes in Palos Hills based on insurance history
Lapses
indicate that you may be a risky driver—even if you currently have coverage. Companies may think you were driving without insurance, which can raise rates.Whether you do or don’t have coverage at the moment, you can find a fresh start at a new company with Jerry. You also get automatic reminders to pay and detailed price comparisons at your renewal date to avoid future lapses and confirm whether your current rates are still the most competitive in Palos Hills.
Lilly (44 years old)
$139
per month
Annie (32 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Palos Hills, IL (Zip Code: 60465)
$178
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
Joann
They have great pricing and coverage!
Christina
Great insurance I've had so far great helpful employees
Sallie
Great coverage for a great price!
Jaime
Cheap car insurance quotes in Palos Hills for drivers with poor credit
On-time payments are important to insurance companies, and poor credit drivers have shown that they haven’t always paid on time.
Illinois drivers with credit scores below 600 can expect higher-than-average rates, even if they’re good drivers. On the flip side, drivers with high credit scores can save about 20% on their premium. Make up the difference by shopping around with Jerry’s quick quote-comparing app.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $139 | Lilly, 44 Zip: 60465 | Mercedes-Benz GL 63 AMG | • State Minimum Liability • Comp / Collision |
550 - 659 | Bristol West | $189 | Teresa, 45 Zip: 60465 | GMC Sierra K1500 SLE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Palos Hills for popular cars
Cars with anti-theft systems, safety features, and cheap replacement parts cost less to insure. That’s why your make and model have a major impact on your annual insurance premiums.
Here are the five most popular models on the roads of Palos Hills:
And here are the rates real drivers with popular cars in Palos Hills received after using the Jerry app
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 | Nationwide | $61 | Nannie, 36 Zip: 60465 | • 50,000/100,000 Liability • Comp / Collision |
| Chevrolet Chevrolet_silverado | Travelers | $70 | Brett, 32 Zip: 60465 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Why is car insurance in Palos Hills so expensive?
Compared to other cities nearby, Palos Hills has some unique characteristics:
- Theft rates: Palos Hills has higher motor vehicle theft rates which trigger higher premiums for policyholders.
- Congestion: Lots of traffic means lots of chances to get into an accident, which is why city drivers pay more than rural drivers.
- Fatality rates: Highways were the site of 25% of fatalcar crashes in Illinoisin 2021, which is why urban drivers pay a bit more for coverage.
How to lower car insurance costs in Palos Hills
1. Shop around and compare quotes
Every six months, your policy is up for renewal. Are you certain that your current company offers the lowest possible rate? Formulas change often, so there’s no guarantee.
Pulling quotes from multiple companies can ensure that you don’t overpay for coverage. Jerry is a mobile app with a five-star rating that simplifies
insurance shopping
. 2. Hunt for car insurance discounts
Several providers offer insurance products and insurance services to help drivers lower their premiums. A good rate can become a great rate if you qualify for discounts. Sometimes, you can even stack multiple
discounts
to get bigger cost savings.Ask your insurance agent about these programs:
- Good students: Translate scholastic success into savings by showing proof of a B average (or more!). This is available for full-time high school and college students.
- Good drivers: With three years of accident-free driving, you’re eligible for a discount.
- Telematics: Enroll in a program that tracks your driving habits and you’ll get rewarded for safe habits. You usually get a discount just for signing up, too.
- Bundling:Bundleyour auto with home insurance or renters insurance and pay less for all of them. It’s usually easy to transfer homeowners insurance to another company with help from an insurance agency. You can typically bundle with life insurance, too.
3. Increase your deductible for comprehensive and collision coverage
Full coverage includes a deductible, which the policyholder must pay before coverage kicks in. If you can comfortably pay a higher deductible, you can lower your monthly rate without losing any insurance coverage.
FAQ
How much is car insurance in Palos Hills?
Most drivers in Palos Hills pay an average of $90 per month for liability-only coverage, and $200 per month for full coverage.
Average rates don’t tell you much about what your own rate will be, though. To get an accurate estimate, pull custom quotes with Jerry to get personalized rates from top companies.
What is the cheapest car insurance in Palos Hills?
Expect to pay about $90 for minimum coverage in Palos Hills—or less, depending on your driver profile. For instance, a driver with no traffic violations, lots of discounts, minimum coverage, and an extremely safe model will pay the lowest rates of all.
Find out who offers the cheapest rate for your insurance needs using Jerry, the legit way to shop around and find car insurance in Illinois.
What is the best car insurance in Palos Hills?
Founders, State Auto, and Travelers all earned good ratings from Palos Hills drivers. But “best” could mean a lot of things—what does “best” mean to you? Think about price, claims handling, customer service, and Spanish or English-speaking agents.
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 Palos Hills, Illinois?
25/50/20 is the minimum liability coverage level for all Illinois drivers. This means $25,000 per person and $50,000 per accident of bodily injury coverage, plus $20,000 in property damage.
In Illinois, the minimum coverage must also include UM/UIM coverage with the same bodily injury limits.
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
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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.