Average car insurance cost in Arlington Heights
The average cost of full coverage car insurance in Arlington Heights is $1,659 per year, or about $138 per month. This rate is based on 100/300/100 liability limits and $500 deductibles. State minimum insurance averages $521 annually but offers substantially less coverage.
The required state minimum liability limits are 25/50/20. A minimum-coverage policy pays for injuries or property damage you cause to others, up to the policy limits. It does not include comprehensive or collision insurance for damage to your own car.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $829 |
| Average annual premium | $1,659 |
| State minimum premium | $521 |
Cheapest car insurance companies in Arlington Heights
GEICO offers the cheapest full coverage car insurance in Arlington Heights at $1,368 per year. Travelers has the next-lowest average rate. Since insurance companies use different pricing methods, the most affordable carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. varies significantly from one driver to another.
Your location, driving record, vehicle, selected limits, and insurance company all influence your premium. When comparing insurers, request quotes with matching coverage limits and deductibles to ensure the price comparison is accurate.
Below are the companies that offer cheap car insurance to drivers in Arlington Heights.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $684 | $1,368 |
| Travelers | $717 | $1,434 |
| Auto Club Group - ACG (AAA) | $818 | $1,635 |
| Erie Insurance | $860 | $1,721 |
| Progressive | $908 | $1,816 |
| Auto-Owners | $910 | $1,819 |
| Country Financial | $946 | $1,891 |
| USAA | $793 | $1,586 |
Cheapest car insurance cost in Arlington Heights by age group
Car insurance prices in Arlington Heights differ by age because insurers consider how driving experience impacts expected accident risk. Erie Insurance is the cheapest company for teens, Travelers for young adults, GEICO for adults, and GEICO for seniors, based on the rates in our analysis.
Take a look at the cheapest companies in Arlington Heights by age below:.
- Cheapest for teens: Erie Insurance
- Cheapest for young adults: Travelers
- Cheapest for adults: GEICO
- Cheapest for seniors: GEICO
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Erie Insurance offers the cheapest car insurance for teens at $3,738 per year.
For young adults, Travelers offers the lowest average rate at $2,278 annually. Young adults pay less than teenagers as they gain experience, but their premiums remain higher than rates for older adult drivers.
GEICO is the least expensive insurer for adult drivers in Arlington Heights, with an average annual premium of $1,421. Adults benefit from greater driving experience and a lower likelihood of filing an accident claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing..
Senior drivers can find the cheapest average car insurance from GEICO at $1,248 per year. Premiums may increase for some older drivers when insurers account for changes in reaction time, vision and accident risk.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| GEICO | $5,061 | $2,284 | $1,421 | $1,248 |
| Travelers | $5,855 | $2,278 | $1,467 | $1,534 |
| Auto Club Group - ACG (AAA) | $5,820 | $2,805 | $1,648 | $1,630 |
| Erie Insurance | $3,738 | $2,812 | $1,744 | $1,840 |
| Progressive | $7,671 | $3,171 | $1,830 | $1,712 |
| Auto-Owners | $5,012 | $3,075 | $1,844 | $1,907 |
| Country Financial | $4,716 | $2,841 | $1,939 | $1,898 |
| Allstate | $9,663 | $3,815 | NA | NA |
| USAA | $6,452 | $2,827 | $1,602 | $1,565 |
Cheapest car insurance companies in Arlington Heights by driver profile
The cheapest car insurance provider in Arlington Heights varies based on driving history and credit-based insurance information. Travelers has the lowest rate after an at-fault accident, Progressive after a DUI, and Erie Insurance after a speeding ticket. Shopping around becomes particularly valuable after a violation.
Below are some of the cheapest car insurance companies in Arlington Heights by driver profile.
- Cheapest for poor credit: Travelers
- Cheapest for an at-fault accident: Travelers
- Cheapest for a DUI: Progressive
- Cheapest for a driver with a speeding ticket: Erie Insurance
Cheapest for a driver with poor credit: Travelers
Travelers is the most affordable car insurance for drivers with poor credit. On average, drivers in Arlington Heights pay about $2,249 per year for it.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Arlington Heights.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Travelers | $1,125 | $2,249 |
| Auto Club Group - ACG (AAA) | $1,352 | $2,704 |
| GEICO | $1,430 | $2,860 |
| Progressive | $1,535 | $3,070 |
| Erie Insurance | $1,982 | $3,964 |
| Auto-Owners | $2,706 | $5,413 |
| USAA | $1,358 | $2,716 |
Cheapest auto insurance after an at-fault accident: Travelers
In Arlington Heights, Travelers offers the cheapest car insurance for drivers with an at-fault accident at $2,091 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Arlington Heights.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| Travelers | $1,045 | $2,091 |
| Auto Club Group - ACG (AAA) | $1,059 | $2,117 |
| Auto-Owners | $1,182 | $2,364 |
| Erie Insurance | $1,188 | $2,377 |
| GEICO | $1,214 | $2,428 |
| Progressive | $1,451 | $2,902 |
| USAA | $1,215 | $2,431 |
Cheapest auto insurance after a DUI: Progressive
Progressive offers the cheapest average car insurance after a first-offense DUI/DWI in Arlington Heights, with a rate of $2,238 per year. A DUI will cause a major premium increase because insurers classify the driver as a higher risk, but shopping around can help you find lower rates.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Arlington Heights.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $1,119 | $2,238 |
| Travelers | $1,130 | $2,260 |
| Erie Insurance | $1,424 | $2,849 |
| GEICO | $1,616 | $3,231 |
| Auto Club Group - ACG (AAA) | $1,784 | $3,568 |
| Auto-Owners | $1,806 | $3,612 |
| USAA | $1,703 | $3,406 |
Cheapest for drivers with a speeding ticket: Erie Insurance
Erie Insurance offers the cheapest car insurance at $1,906 in Arlington Heights for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies offering cheap auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Erie Insurance | $953 | $1,906 |
| Auto Club Group - ACG (AAA) | $1,021 | $2,042 |
| Travelers | $1,031 | $2,062 |
| GEICO | $1,266 | $2,533 |
| Progressive | $1,274 | $2,549 |
| Auto-Owners | $1,501 | $3,002 |
| USAA | $1,014 | $2,028 |
Car insurance discounts for Arlington Heights drivers
The biggest car insurance discount available in Arlington Heights is for the Years Insured category at 36%, offered by Pekin Insurance.
Additional discounts include those for safe drivers, good students, and bundling your home and auto insurance.
Here are some of the car insurance discounts insurers offer to Arlington Heights drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Anti-Theft Device | Travelers | $1,455 | $1,440 | 1% | $15 |
| Anti-Theft Device | GEICO | $1,451 | $1,442 | 1% | $9 |
| Anti-Theft Device | Auto Club Group - ACG (AAA) | $1,834 | $1,796 | 2% | $38 |
| Anti-Theft Device | Auto-Owners | $2,031 | $1,996 | 2% | $35 |
| Anti-Theft Device | Erie Insurance | $2,018 | $2,000 | 1% | $18 |
| Anti-Theft Device | Country Financial | $2,060 | $2,005 | 3% | $55 |
| Anti-Theft Device | Allstate | $2,869 | $2,852 | 1% | $17 |
| Comp and Coll Deductibles | Travelers | $1,455 | $1,310 | 10% | $145 |
| Comp and Coll Deductibles | GEICO | $1,451 | $1,326 | 9% | $125 |
| Comp and Coll Deductibles | Auto Club Group - ACG (AAA) | $1,834 | $1,658 | 10% | $177 |
| Comp and Coll Deductibles | Erie Insurance | $2,018 | $1,668 | 17% | $350 |
| Comp and Coll Deductibles | Auto-Owners | $2,031 | $1,833 | 10% | $198 |
| Comp and Coll Deductibles | Country Financial | $2,060 | $1,961 | 5% | $98 |
| Comp and Coll Deductibles | Progressive | $2,166 | $1,994 | 8% | $172 |
| Comp and Coll Deductibles | Allstate | $2,869 | $2,468 | 14% | $401 |
| Daily Commute | Auto Club Group - ACG (AAA) | $1,834 | $1,798 | 2% | $36 |
| Daily Commute | Erie Insurance | $2,018 | $1,850 | 8% | $168 |
| Daily Commute | Auto-Owners | $2,031 | $1,863 | 8% | $168 |
| Daily Commute | Country Financial | $2,060 | $2,011 | 2% | $49 |
| Days Advanced Purchase | Travelers | $1,455 | $1,380 | 5% | $75 |
| Days Advanced Purchase | Auto Club Group - ACG (AAA) | $1,834 | $1,663 | 9% | $171 |
| Days Advanced Purchase | Erie Insurance | $2,018 | $1,817 | 10% | $201 |
| Days Advanced Purchase | Auto-Owners | $2,031 | $1,879 | 7% | $152 |
| Days Advanced Purchase | Country Financial | $2,060 | $1,963 | 5% | $96 |
| Days Advanced Purchase | Progressive | $2,166 | $2,103 | 3% | $63 |
| Days Advanced Purchase | Allstate | $2,869 | $2,308 | 20% | $561 |
| Days Per Week Driven | Country Financial | $2,060 | $2,011 | 2% | $49 |
| Education | GEICO | $1,451 | $1,382 | 5% | $69 |
| Education | Auto Club Group - ACG (AAA) | $1,834 | $1,789 | 2% | $45 |
| Education | Progressive | $2,166 | $2,147 | 1% | $19 |
| Electronic Funds Transfer | Travelers | $1,455 | $1,427 | 2% | $28 |
| Electronic Funds Transfer | Auto Club Group - ACG (AAA) | $1,834 | $1,749 | 5% | $86 |
| Electronic Funds Transfer | Allstate | $2,869 | $2,726 | 5% | $143 |
| Electronic Signature | Progressive | $2,166 | $1,951 | 10% | $215 |
| Homeowner | Auto Club Group - ACG (AAA) | $1,834 | $1,641 | 11% | $193 |
| Homeowner | Auto-Owners | $2,031 | $1,888 | 7% | $143 |
| Homeowner | Progressive | $2,166 | $2,084 | 4% | $82 |
| Lower Annual Mileage | Travelers | $1,455 | $1,326 | 9% | $129 |
| Lower Annual Mileage | GEICO | $1,451 | $1,403 | 3% | $48 |
| Lower Annual Mileage | Auto Club Group - ACG (AAA) | $1,834 | $1,801 | 2% | $34 |
| Lower Annual Mileage | Erie Insurance | $2,018 | $1,850 | 8% | $168 |
| Lower Annual Mileage | Progressive | $2,166 | $2,115 | 2% | $51 |
| Loyalty - Years Renewal With Company | Erie Insurance | $2,018 | $1,850 | 8% | $168 |
| Loyalty - Years Renewal With Company | Progressive | $2,166 | $2,147 | 1% | $19 |
| Marital Status | GEICO | $1,451 | $1,357 | 6% | $94 |
| Marital Status | Auto Club Group - ACG (AAA) | $1,834 | $1,666 | 9% | $169 |
| Marital Status | Country Financial | $2,060 | $1,816 | 12% | $243 |
| Marital Status | Erie Insurance | $2,018 | $1,822 | 10% | $196 |
| Marital Status | Progressive | $2,166 | $1,871 | 14% | $295 |
| Marital Status | Allstate | $2,869 | $2,818 | 2% | $52 |
| Multi Policy | Travelers | $1,455 | $1,344 | 8% | $111 |
| Multi Policy | GEICO | $1,451 | $1,391 | 4% | $60 |
| Multi Policy | Auto Club Group - ACG (AAA) | $1,834 | $1,631 | 11% | $203 |
| Multi Policy | Erie Insurance | $2,018 | $1,832 | 9% | $187 |
| Multi Policy | Country Financial | $2,060 | $1,851 | 10% | $208 |
| Multi Policy | Auto-Owners | $2,031 | $1,859 | 8% | $172 |
| Multi Policy | Progressive | $2,166 | $1,978 | 9% | $188 |
| Multi Policy | Allstate | $2,869 | $2,451 | 15% | $418 |
| Paperless/Electornic Documents | Auto Club Group - ACG (AAA) | $1,834 | $1,818 | 1% | $17 |
| Paperless/Electornic Documents | Progressive | $2,166 | $2,149 | 1% | $17 |
| Paperless/Electornic Documents | Allstate | $2,869 | $2,729 | 5% | $140 |
| Payment Type | Travelers | $1,455 | $1,325 | 9% | $130 |
| Payment Type | Auto Club Group - ACG (AAA) | $1,834 | $1,749 | 5% | $86 |
| Payment Type | Auto-Owners | $2,031 | $1,767 | 13% | $264 |
| Payment Type | Erie Insurance | $2,018 | $1,795 | 11% | $223 |
| Payment Type | Country Financial | $2,060 | $1,839 | 11% | $221 |
| Payment Type | Allstate | $2,869 | $2,589 | 10% | $280 |
| Primary Use | Travelers | $1,455 | $1,399 | 4% | $56 |
| Primary Use | Erie Insurance | $2,018 | $1,683 | 17% | $335 |
| Primary Use | Auto-Owners | $2,031 | $1,757 | 14% | $274 |
| Primary Use | Auto Club Group - ACG (AAA) | $1,834 | $1,766 | 4% | $69 |
| Primary Use | Country Financial | $2,060 | $2,011 | 2% | $49 |
| Primary Use | Progressive | $2,166 | $2,107 | 3% | $59 |
| Primary Use | Allstate | $2,869 | $2,628 | 8% | $242 |
| Profession | GEICO | $1,451 | $1,360 | 6% | $91 |
| Profession | Auto Club Group - ACG (AAA) | $1,834 | $1,779 | 3% | $55 |
| Profession | Progressive | $2,166 | $1,793 | 17% | $373 |
| Profession | Country Financial | $2,060 | $1,867 | 9% | $193 |
| Safety Devices | GEICO | $1,451 | $1,417 | 2% | $34 |
| Safety Devices | Travelers | $1,455 | $1,422 | 2% | $32 |
| Safety Devices | Auto Club Group - ACG (AAA) | $1,834 | $1,790 | 2% | $45 |
| Safety Devices | Auto-Owners | $2,031 | $1,955 | 4% | $76 |
| Safety Devices | Allstate | $2,869 | $2,628 | 8% | $242 |
| Telematics | Progressive | $2,166 | $1,860 | 14% | $306 |
| Telematics | Allstate | $2,869 | $2,589 | 10% | $280 |
| Years Insured | Travelers | $1,455 | $936 | 36% | $519 |
| Years Insured | GEICO | $1,451 | $972 | 33% | $478 |
| Years Insured | Progressive | $2,166 | $1,563 | 28% | $603 |
| Years Insured | Auto Club Group - ACG (AAA) | $1,834 | $1,724 | 6% | $110 |
| Years Insured | Country Financial | $2,060 | $1,916 | 7% | $144 |
| Years Insured | Auto-Owners | $2,031 | $2,011 | 1% | $19 |
| Years Insured | Allstate | $2,869 | $2,023 | 29% | $846 |
How to get cheap car insurance in Arlington Heights in 2026
To find cheap car insurance in Arlington Heights in 2026, compare several insurers using the same limits and deductibles, request every eligible discount, and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. that you can afford. A clean driving history, an affordable vehicle, and regular policy reviews can also help keep premiums under control.
Find affordable car insurance in Arlington Heights by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Arlington Heights.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Arlington Heights
How much does car insurance cost in Arlington Heights?
Car insurance costs $1,659 per year on average, or about $138 monthly for full coverage in Arlington Heights. This average is based on 100/300/100 liability limits with $500 deductibles, but your final price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in IL?
No, you don't legally need full coverage in IL, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Arlington Heights?
You can reduce your car insurance costs in Arlington Heights by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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