Best Cheap Auto Insurance in Downers Grove, IL (2021)

The cheapest Downers Grove, IL auto insurance is from Liberty Mutual, but rates will vary by driver. Auto insurance in Downers Grove must meet the Illinois minimum requirements of 25/50/20 in liability coverage and 25/50/15 in uninsured/underinsured motorist coverage. Compare Downers Grove, IL auto insurance quotes online to find your best deal.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 27, 2021

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Things to Remember

  • Liberty Mutual offers the cheapest average auto insurance in Downers Grove, IL
  • Downers Grove is near Chicago and shares a large volume of traffic with the city
  • Drivers in Downers Grove have long commute times

Downers Grove, IL auto insurance is more expensive than the average Illinois auto insurance rates. As a suburb of Chicago, drivers have to contend with a lot of traffic, in addition to higher than average car insurance rates.

However, you can still find affordable Downers Grove, IL auto insurance if you know where to look. Shop around and compare quotes to find the company that can offer you the cheapest coverage.

Enter your ZIP code now to compare Downers Grove, IL auto insurance rates from multiple companies near you for free.

What is the cheapest auto insurance company in Downers Grove, IL?

The cheapest Downers Grove, IL auto insurance company is Liberty Mutual, but rates will vary for each driver.

The top Downers Grove, IL auto insurance companies listed from least to most expensive:

  • Liberty Mutual – $2,304.93
  • State Farm – $2,487.89
  • Travelers – $2,644.05
  • USAA – $2,743.19
  • Nationwide – $3,010.06
  • GEICO – $3,247.96
  • American Family – $3,730.46
  • Progressive – $3,764.39
  • Farmers – $4,872.18
  • Allstate – $5,482.95

Your car insurance rates are affected by many different factors, such as your age, gender, credit history, and driving record.

Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, auto insurance in Chicago, IL is more expensive than coverage in Downers Grove.

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What auto insurance coverage is required in Downers Grove, IL?

Like most states, Illinois requires drivers to carry auto insurance. Downers Grove drivers must carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $20,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist bodily injury coverage
  • $15,000 uninsured/underinsured motorist property damage coverage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages, such as collision and comprehensive, so that any damages to your vehicle and bodily injuries are covered.

You should also note that you can waive the underinsured and uninsured motorist coverage if you choose.

What affects auto insurance rates in Downers Grove, IL?

Traffic can play a part in determining your auto insurance rates. More traffic means a greater chance of being in an accident.

Although INRIX doesn’t list data for Downers Grover, it does rank nearby Chicago, IL as the third most congested city in the U.S. and the seventh most congested city in the world.

City-Data shows that most drivers in Downers Grove commute around 35 minutes, but a large number of drivers commute an hour or more.

Theft can also raise your auto insurance rates. According to the FBI, there were only 22 motor vehicle thefts in Downers Grove in one year. For comparison, there were 11,578 thefts in Chicago during the same time period.

Downers Grove, IL Auto Insurance: The Bottom Line

Even though Downers Grove car insurance is expensive, you can still find cheap coverage. Before you buy Downers Grove, IL auto insurance, shop around to find the cheapest coverage for you.

Enter your ZIP code now to compare Downers Grove, IL auto insurance quotes from companies near you.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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