Best Auto Insurance Rates in Berwyn, Illinois

On average your neighbors pay $67 a month.

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Berwyn, Illinois, may be a small suburb with a population of just 56,000, but with its proximity to Chicago, it still has a lot to offer. For instance, if you’re into live jazz and blues, Roosevelt Road may be the choice for you. If you're looking for cute retail shops and cafes, on the other hand, Cermak Road or the Depot District should be right up your alley.

However, if you’re a car enthusiast, head for Ogden Avenue, Berwyn's stretch of infamous Route 66. You can visit the Route 66 Museum or the Route 66 Car Show. Just remember: if you plan to get your kicks on Route 66, you're going to need affordable car insurance rates.

Average Berwyn Car Insurance Rates

How much is car insurance in Berwyn, IL? Rates here can be expensive. Many pay higher premiums than both the state and national average. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

Prices will vary depending on multiple factors including: your driving record and the number of points on your driver's license, your car, coverage, policy limits, and the number of claims filed in your zip code.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois' average insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Berwyn, Illinois and save up to 40% on your premium.

Last year, many people used QuoteWizard to compare car insurance quotes in Berwyn, IL from multiple companies.

Best Car Insurance Companies in Berwyn, IL

This is our list of the most common car insurance companies reported by QuoteWizard users in Berwyn, Illinois, last year.

Top 10 Vehicles

This is our list of the most common car makes and models owned by Berwyn, IL drivers who requested quotes through QuoteWizard last year.

  1. Ford Focus SE
  2. Jeep Grand Cherokee Laredo
  3. Ford F150
  4. Chevrolet Malibu LS
  5. Honda Civic EX/LX
  6. Honda CR-V EX
  7. Chevrolet Cruze LS
  8. Chevrolet Colorado
  9. Toyota Corolla CE/LE/S
  10. Buick Century Custom
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Berwyn, IL

Berwyn, Illinois, has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most insurance companies will pay in total for every person injured in an accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a crash.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence Berwyn insurance rates.

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Weather

Berwyn, Illinois, enjoys a fairly warm and humid climate, like many cities in the Midwest. Residents can expect an average of 190 days with complete or partial sunshine. They can also expect around 121 days of measurable precipitation. It frequently snows in winter, which can produce slick roads and cause accidents. In fact, Berwyn sees about 39 inches of snowfall each year.

Road Conditions

According to Tripnet.org, 67 percent of Illinois’ major roads are in poor or mediocre condition. These poorly maintained roads costs drivers $4.4 billion, or $540 per motorist, in extra vehicle operating costs per year. These costs are a direct result of driving on rough roads that can damage cars and contribute to car accidents.

Like much of Illinois, Berwyn's pothole problem can be attributed to severe winters. If you would like to report a pothole, contact the Public Works Department at 708-749-4700 or report it on SeeClickFix.

Moving Violations

Moving violations like speeding tickets, at-fault accidents, and drunk driving will add points to your driver's license and give you a bad driving record. If this happens, you'll need to purchase high-risk auto insurance for bad drivers.

Traffic Tickets

The Cook County Clerk of Courts website lets you pay traffic citations and tells drivers how to fight tickets.

Red Light Program

The city of Berwyn has equipped two of its busiest intersections with red light cameras. The location of the two cameras are:

  • Harlem Avenue and Cermak Road—for traffic traveling North on Harlem
  • Harlem Avenue and Cermak Road—for traveling west on Cermak

Drunk Driving Arrests

According to AAIM, 331 drivers were arrested for suspicion of driving under the influence in Cook County in 2015.   

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Berwyn DUI insurance.

Vehicle Theft Rates

Berwyn reported 79 motor vehicle thefts in 2015. That’s a theft rate of 1.39 per 1,000 residents—much lower than the national average theft rate 2.16 per 1,000 people.

Save With Car Insurance Discounts

Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in Berwyn, IL depending on your carrier.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  2. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  3. Are you married or getting married soon? Some insurers offer a discount to married couples
  4. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  5. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  6. Maintain at least a B grade point average in school to qualify for the good student discount
  7. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  8. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  9. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  10. Shop around and compare low-cost Berwyn car insurance quotes

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