Cheapest Auto Insurance in Berwyn, Illinois (2024)

John Egan
Written byJohn Egan
John Egan
John Egan
  • 20+ years in insurance and personal finance content creation

  • Contributor to top brands like USA Today

John specializes in insurance, personal finance, real estate, and health and wellness. In 2022, he authored a guide on content marketing for beginners.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated May 23, 2024

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Cheapest recent rates near Berwyn, Illinois

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $47/mo for full coverage in Berwyn and other Illinois cities.

*Quotes generated for Insurify users in and around Berwyn, Illinois within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Berwyn, Illinois within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $135, while Chicago drivers pay $159, on average.

Berwyn drivers also pay less on average than the overall national average of $160 per month and the state average of $132. Auto-Owners, State Farm, and GEICO 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 $79 per month for liability coverage and $190 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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Auto-Owners4.3$45$27Full coverage
Erie4.6$75$45Customer satisfaction
State Farm3.4$49$29Families
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for full coverage: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$28/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$46/mo

Auto-Owners offers the cheapest liability and full-coverage insurance in Berwyn. Policyholders have more than a dozen coverage options to choose from, including roadside service, loan or lease gap, and diminished value coverage. Customers can also save with at-fault accident forgiveness, collision coverage advantage, and common loss deductible coverage.

In addition to auto insurance, Auto-Owners also sells home, business, and life insurance. The company earned a higher-than-average satisfaction score of 833 out of 1,000 in the J.D. Power 2023 U.S. Auto Insurance Study.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • Lower-than-average number of customer complaints recorded by the National Association of Insurance Commissioners (NAIC)

Cons
  • Lower-than-average ranking in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study

  • Mobile app ratings need improvement

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for customer satisfaction: Erie

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$76/mo

Though Erie doesn’t offer the cheapest car insurance in Berwyn, it has solid reviews among customers, which might make the extra cost worth it. In the J.D. Power 2023 U.S. Auto Insurance Study, Erie earned the top ranking for customer satisfaction in the North Central region, which includes Illinois.

Erie offers standard auto coverage options, as well as pet coverage to protect your pet after a car accident; roadside and rental bundles; personal items; auto glass repair; and locksmith services coverage.

Pros
  • Several available discounts

  • Rates won’t increase after a claim with Rate Lock feature

Cons
  • Online policy purchasing and claim filing not available

  • Usage-based coverage not available

Read our Erie Insurance review
Lori - May 16, 2024
Verified

Great

The price for full coverage insurance is very good. You can't beat paying only $55 a month.

Rob - May 13, 2024
Verified

So far, beats the rest

Overall, excellent service.

Stephanie - May 13, 2024
Verified

Great if you don’t need them

I was with them for over a decade and they decided not to renew my policy because I used my roadside assistance twice a year.

Best insurer for families: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$30/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$49/mo

State Farm has some of the cheapest auto insurance quotes in Berwyn. It also ranks as the country’s best large insurer for auto insurance shopping, earning the top spot in the J.D. Power 2023 U.S. Insurance Shopping Study.[4] State Farm is a great option for families due to its discounts for students, safe drivers, and customers who bundle coverage.

The company has a lower-than-average number of complaints filed with the NAIC. Customers can benefit from one or more of State Farm’s 10 available discounts.

Pros
  • High financial strength rating from AM Best

  • Rideshare insurance available

Cons
  • Fewer discounts than some competitors

  • Must contact an agent to complete the quote process

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

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.[5]

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 deductible typically results in lower monthly premiums.

  • 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.

Find Cheap Car Insurance in Berwyn, Illinois

Liability-only rates start at $28 per month

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Cheapest liability-only car insurance in Berwyn: Auto-Owners

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. Auto-Owners is the cheapest insurer for liability-only car insurance in Berwyn, with an average cost of $28 per month.

The table below includes some of Berwyn’s cheapest liability-only insurance options.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners28
State Farm30
GEICO40
Hugo41
COUNTRY Financial42
Erie46
Mile Auto47
USAA49
American Family52
Mercury58
Nationwide62
Travelers66
Safeco68
Direct Auto69
Clearcover70
Farmers72
Allstate75
National General80
Midvale Home & Auto82
State Auto87
Dairyland88
GAINSCO91
Elephant92
The General97
Liberty Mutual104
Bristol West107
Foremost144
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.[6] On average, drivers in Berwyn pay $190 per month for full-coverage insurance.

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

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners46
State Farm49
GEICO66
COUNTRY Financial70
Mile Auto70
Erie76
USAA81
Hugo86
American Family87
Mercury95
Safeco96
Travelers110
Clearcover111
Nationwide113
Farmers118
Allstate124
Midvale Home & Auto132
Direct Auto144
National General147
State Auto159
Elephant168
Liberty Mutual173
GAINSCO212
Dairyland240
Bristol West263
The General263
Foremost327
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.[7] This table below includes the state’s minimum car insurance requirements.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident
Uninsured motorist bodily injury$25,000 per person / $50,000 per accident

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers your vehicle damage caused by a collision with another car or an object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for repair or replacement costs for damage caused to your car by non-collision incidents, such as theft, fire, or severe weather.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist property damage (UMPD)

    UMPD covers damage to your vehicle caused by an at-fault driver who lacks insurance. If you don’t carry collision coverage, you can purchase UMPD with a maximum limit of $15,000, along with a $250 deductible.

Illinois Auto Insurance Plan

illustration card https://a.storyblok.com/f/162273/150x150/e6724dbabb/states_illinois.svg

ILAIP

If your driving record prevents you from obtaining car insurance, you might qualify for coverage through the Illinois Auto Insurance Plan (ILAIP). Here are the four eligibility requirements for this coverage:

  • Other insurers must first reject you from buying coverage.

  • You must hold a valid driver’s license or have eligibility to get one.

  • You must not owe money for previous coverage dating back three years.

  • You must have a vehicle that’s safe to drive.

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 $111 per month for liability-only car insurance.

Shop for Car Insurance in Berwyn, IL

Monthly rates start at $36 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

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 $116 per month.

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

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2837
State Farm3039
GEICO4053
Hugo4157
COUNTRY Financial4256
Erie4662
Mile Auto4766
USAA4964
American Family5268
Mercury5882
Nationwide6282
Travelers6687
Safeco6891
Direct Auto6992
Clearcover7093
Farmers7294
Allstate7598
Midvale Home & Auto82111
State Auto87124
Dairyland88116
GAINSCO91132
Elephant92133
The General97129
Liberty Mutual104150
Bristol West107139
Foremost144208
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.[8]

Berwyn drivers with a past at-fault accident pay $120 per month for car insurance, on average. Below, you can compare the cheapest car insurance quotes for drivers with a past accident.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2838
State Farm3041
GEICO4055
Hugo4155
COUNTRY Financial4260
Erie4665
Mile Auto4771
USAA4968
American Family5271
Mercury5885
Nationwide6286
Travelers6692
Safeco6891
Direct Auto6997
Clearcover70102
Farmers7299
Allstate75103
Midvale Home & Auto82119
State Auto87132
Dairyland88121
GAINSCO91122
Elephant92125
The General97136
Liberty Mutual104156
Bristol West107145
Foremost144216
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 liability car insurance is $136 per month. Here are the cheapest options for drivers with a past DUI.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2848
State Farm3051
GEICO4068
Hugo4170
COUNTRY Financial4271
Erie4678
Mile Auto4773
USAA4983
American Family5288
Mercury5889
Nationwide62106
Travelers66112
Safeco68116
Direct Auto69117
Clearcover70119
Farmers72123
Allstate75128
Midvale Home & Auto82140
State Auto87148
Dairyland88150
GAINSCO91155
Elephant92157
The General97165
Liberty Mutual104177
Bristol West107182
Foremost144245
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $95 per month for car insurance. Here are some of the cheapest quotes for older drivers in Berwyn.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners2033
State Farm2135
Hugo2756
GEICO2948
COUNTRY Financial3151
Erie3152
Mile Auto3349
USAA3659
American Family3762
Mercury4066
Nationwide4277
Travelers4879
Direct Auto49102
Safeco5071
Clearcover5181
Farmers5184
Allstate5592
Midvale Home & Auto5792
State Auto62113
Dairyland65177
Elephant67122
GAINSCO68160
The General73199
Liberty Mutual75126
Bristol West79194
Foremost103235
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Teenagers in the city pay $236 per month for auto coverage on average. Find the cheapest available options below.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners4778
State Farm5082
COUNTRY Financial61101
GEICO62102
Hugo71148
Erie76126
USAA80132
American Family90150
Mile Auto90134
Mercury104170
Nationwide104190
Travelers117195
Direct Auto124259
Farmers125205
Allstate129214
Clearcover134213
Safeco140198
Midvale Home & Auto141226
Dairyland145396
Elephant150273
State Auto152277
The General155419
GAINSCO160374
Bristol West179441
Liberty Mutual191317
Foremost251570
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Berwyn

Liability rates start as low as $28 per month

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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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Berwyn?

Car insurance in Berwyn costs $135 per month, which is less expensive than average monthly rates in nearby Chicago ($159) and nationwide ($160). On average, Illinois drivers pay $132 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 $190 per month for full coverage and $79 for liability. You can see what drivers in other Illinois cities are paying for car insurance in the table below.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Aurora$78$180
Chicago$93$226
Cicero$86$239
Decatur$71$151
Elgin$80$164
Joliet$77$169
Naperville$74$166
Peoria$77$176
Rockford$73$163
Springfield$78$182
Waukegan$74$151
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $79 per month for liability coverage and $190 for full-coverage insurance. The overall cost of car insurance in the city is $135. 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 $28 for liability coverage, Auto-Owners is the cheapest car insurance company in Berwyn. The best way to find cheap car insurance for your insurance 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.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Census Bureau. "QuickFacts: Berwyn city, Illinois."
  2. Illinois Department of Insurance. "Credit - How Insurers Use It."
  3. NOLO. "Illinois Car Accident Laws."
  4. J.D. Power. "Auto Insurance Shopping and Switch Rates Reach New Highs as Premiums Surge, J.D. Power Finds."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
  7. Illinois Department of Insurance. "Auto Insurance Shopping Guide."
  8. Illinois Department of Insurance. "Auto Insurance Definitions."
John Egan
John Egan

John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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