Cheapest Auto Insurance in Berwyn, Illinois (2025)
Progressive offers the cheapest liability-only insurance coverage in Berwyn, at $56 per month.
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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 $143 per month and the state average of $116. 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.
Quick Facts
Berwyn drivers pay $90 per month for liability coverage and $183 for full-coverage insurance, on average.
Illinois auto insurers can consider your credit-based insurance score as one factor when determining insurance premiums.2
Illinois is an at-fault state, which means the driver who caused an accident is responsible for the cost of all injuries and damage resulting from the accident.3
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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 $106 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 $221 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 $118 per month for minimum coverage car insurance, on average. Full coverage averages $240 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 $153 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 ($143). On average, Illinois drivers pay $116 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Berwyn car insurance FAQs
Before you start shopping around for coverage, you should decide how much car insurance you need. The information below should help you navigate finding the lowest rates for car insurance in Berwyn.
How much is car insurance in Berwyn, Illinois?
Berwyn drivers pay $90 per month for liability coverage and $183 for full-coverage insurance. The overall cost of car insurance in the city is $136. How much you end up paying for coverage depends on your driving record, credit history, age, ZIP code, and more.
Which company has the cheapest car insurance in Berwyn?
With an average cost of $56 for liability coverage, Progressive is the cheapest car insurance company in Berwyn. Auto-Owners and State Farm are the city's second- and third-cheapest insurers, with liability-only rates starting at $56 and $60, respectively.
The best way to find cheap car insurance for your needs is to compare multiple quotes at once.
What are the best car insurance companies in Berwyn?
With an AM Best financial strength rating of A+ (Superior), high levels of customer satisfaction, and an Insurify Quality (IQ) Score of 4.4 out of 5, State Farm is the best car insurance company in Berwyn. Other top insurers include Erie and Auto-Owners.
What factors influence the cost of car insurance in Berwyn?
How much you pay for auto coverage in Berwyn depends on your driving record, vehicle type, age, and more. Drivers in suburban locations typically pay less for coverage than residents in urban areas. This may explain why Berwyn drivers typically pay less than people in Chicago.
What’s the minimum required insurance in Illinois?
Drivers in Illinois must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $20,000 per accident in property damage liability, and $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage.
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