Cheapest Auto Insurance in Berwyn, Illinois (2025)

Berwyn, an Illinois suburb with more than 55,000 residents, sits about 10 miles west of downtown Chicago.1 Yet, in terms of car insurance costs, Berwyn drivers pay much less for coverage than their Cook County neighbors in Chicago. The average monthly cost of car insurance in Berwyn is $136, while Chicago drivers pay $156, on average.

Berwyn drivers also pay less on average than the overall national average of $144 per month and the state average of $117. Progressive, Auto-Owners, and State Farm offer the cheapest average quotes in Berwyn, but comparing quotes from multiple insurers is the best way to find the cheapest coverage for your needs.

Here’s what you need to know about finding cheap car insurance in Berwyn.

Cheapest car insurance companies in Berwyn

Drivers in Berwyn enjoy a number of options for cheap car insurance, including liability-only coverage and full coverage. The right auto insurance company for you depends on your budget, insurance needs, and life circumstances. This means the cheapest insurer you find might not be your best option.

Learn more about three of the city’s top insurers below. Rates shown in the table are for the state of Illinois.

Best insurer for full coverage: Auto-Owners

Best insurer for customer satisfaction: Erie

Best insurer for families: State Farm

How to get the cheapest car insurance in Berwyn

A number of factors affect how much you’ll pay for car insurance, including your driving record, location (even down to the ZIP code), age, gender, and vehicle make and model.6

Here are five tips for earning cheaper car insurance rates:

• Compare quotes. Before buying a policy, you should always compare quotes from at least three insurance companies to get a good sense of what’s available.

• Raise your deductible. Increasing your collision or comprehensive deductible typically results in lower monthly premiums. But before choosing a higher deductible, consider your ability to pay for repairs out of pocket if you cause an accident.

• Bundle insurance policies. Buying auto and home insurance from the same company can earn you a discount on both policies.

• Look into discounts. Most auto insurers offer discounts for maintaining a clean driving record, completing an approved defensive driving course, having anti-theft devices, and more.

• Reduce your mileage. You can potentially lower your car insurance rates if you decrease the annual number of miles you drive.

Cheapest liability-only car insurance in Berwyn: Progressive

Liability-only car insurance covers the bodily injuries and property damage you cause to others in a car accident. Like most states, Illinois requires motorists to carry a minimum amount of liability insurance. Progressive is the cheapest insurer for liability-only car insurance in Berwyn, with an average cost of $56 per month.

Liability-only coverage is the least expensive auto insurance, but it's not for everyone. Minimum coverage may make sense if you don't have a car loan, don't lease your vehicle, and drive an older car that's less expensive to repair. The table below includes some of Berwyn’s cheapest liability-only insurance options.

Cheapest full-coverage car insurance in Berwyn: Auto-Owners

Liability coverage only applies to bodily injuries and property damage you cause the other driver and their passengers in a car accident. As its name suggests, full-coverage car insurance extends this coverage further. It includes liability, comprehensive, and collision coverage.

Full-coverage insurance generally works well for drivers with new or high-value vehicles or people who must buy comprehensive and collision coverage to meet a lender’s or leasing company’s requirements.7 It's also good for anyone who wants a higher level of financial protection on the road. On average, drivers in Berwyn pay $183 per month for full-coverage insurance.

Begin your search for the cheapest full-coverage insurance quotes in Berwyn in the table below.

Car insurance requirements in Illinois

Illinois follows a fault-based system that requires the driver responsible for an auto accident to cover the other driver’s losses, including property damage and bodily injury.

The state requires drivers to purchase a minimum amount of liability coverage and uninsured motorist bodily injury coverage to drive in Illinois legally.8 This table below includes the state’s minimum car insurance requirements.

Optional coverage that an Illinois driver might consider for further protection includes the following:

Illinois Auto Insurance Plan

Cheapest car insurance for drivers with an incident

Incidents that might increase your car insurance premium include at-fault accidents, speeding tickets, and driving under the influence. An insurer may view you as a riskier driver if these and other incidents show up on your driving record.

On average, Berwyn drivers with an incident on their record pay $107 per month for liability-only car insurance.

Cheapest car insurance for drivers with a speeding ticket: Progressive

A speeding ticket typically causes your car insurance premiums to increase because an insurer considers you more likely to have an accident and file a claim. The average cost of liability car insurance for a Berwyn driver with a speeding ticket is $108 per month. Full coverage averages $220 monthly for Berwyn motorists with speeding tickets.

Compare the cheapest car insurance quotes for drivers with a past ticket in Berwyn.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

If you cause an accident, you’ll typically face increased premiums because insurers may see you as a high-risk driver. How much your premiums increase will depend on the severity of the accident and whether you have other offenses on your record. In Illinois, you can only collect money from an at-fault driver if you’re less than 50% responsible for the accident.9

Berwyn drivers with a past at-fault accident pay $119 per month for minimum coverage car insurance, on average. Full coverage averages $241 for Berwyn drivers who've caused an accident. Below, you can compare the cheapest car insurance quotes for drivers with a past accident.

Cheapest car insurance for drivers with a DUI: Auto-Owners

A DUI conviction will lead to higher car insurance rates because of the risks associated with driving under the influence of alcohol or drugs. The severity of the offense can lead to penalties, license suspension, and cancellation of coverage.

For drivers in Berwyn with a past DUI on their record, the average cost of car insurance is $145 per month for liability-only coverage and $295 for full coverage. Here are the cheapest options for drivers with a past DUI.

Cheapest car insurance for seniors: Auto-Owners

Your age affects how much you pay for auto coverage. In most states, drivers generally pay the lowest car insurance rates in their 50s and 60s. But premiums may increase for drivers 70 and older because older drivers have a greater risk of car accidents and serious injury due to aging-related factors.

On average, senior drivers in Berwyn pay $154 per month for full coverage and $75 for liability-only car insurance. Here are some of the cheapest quotes for older drivers in Berwyn.

Cheapest car insurance for teens: Auto-Owners

Car insurance for teen drivers tends to cost more than it does for adults. That’s because teens don’t have driving experience and have higher rates of car accidents. To help reduce the cost of your teen’s car insurance, you can add them to your insurance policy, encourage them to earn good grades for a good student discount, and have them drive a safe vehicle. Teens who complete an approved driver safety course may also qualify for a discount.

Teenagers in the city pay a monthly average of $190 for liability-only auto coverage and $387 for full coverage. Find the cheapest available options for Berwyn teens below.

Berwyn car insurance quotes by credit tier

Illinois is among the states that allow insurers to use credit-based insurance scores to help set rates. These scores rely on certain data from a driver’s credit history to predict the likelihood of the driver filing a car insurance claim. Generally, drivers with excellent or good credit scores pay less for coverage than drivers with poor credit scores.

The following table shows the average monthly car insurance rates for Berwyn drivers by credit tier.

Is car insurance more expensive in Berwyn?

Car insurance in Berwyn costs $136 per month, which is less expensive than average monthly rates in nearby Chicago ($156) and nationwide ($144). On average, Illinois drivers pay $117 per month for car insurance, which resembles costs in Berwyn. However, Berwyn drivers pay more than people in some other Illinois cities, like Decatur, Elgin, and Naperville.

Because Berwyn is a suburb, fewer drivers on the road can lead to lower rates of car accidents or damage to parked cars. Drivers in rural or suburban locations typically pay lower car insurance rates.

More cities in Illinois

The average cost of car insurance in Berwyn is $183 per month for full coverage and $90 for liability. You can see what drivers in other Illinois cities are paying for car insurance in the table below.