Arlington Heights drivers pay an average of $1,957/year — $186 more than the national average. With 916 crashes per year and a 2.4 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $481/year.
(888) 217-6781Estimated full coverage auto insurance rates for Arlington Heights, IL from top carriers. Rates are adjusted for Arlington Heights's 916 annual crashes, 2.4 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $740 | $123/mo |
| Progressive | $836 | $139/mo |
| Country Financial | $860 | $143/mo |
| State Farm | $914 | $152/mo |
| Allstate | $1,113 | $185/mo |
Estimates based on 2026 rate filings for ZIP 62702. GEICO is cheapest at ~$123/mo. Actual rates vary by driver profile and exact Arlington Heights location.
These Arlington Heights-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Arlington Heights, IL. Takes under 2 minutes.
(888) 217-6781With 77,676 residents, Arlington Heights is a growing community in Illinois where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like tornadoes, severe thunderstorms, blizzards, lake-effect snow, ice and commuter corridors still influence premiums. Arlington Heights drivers often find rates slightly below the Illinois state average.
For official Illinois insurance regulations, visit the Illinois Department of Insurance. For driver licensing, see the Illinois Secretary of State.
Your specific ZIP code within Arlington Heights can swing your premium by hundreds of dollars. Here's how rates compare across Arlington Heights neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 62705 | Arlington Heights South Side | $1,878/yr | $157/mo |
| 62710 | Arlington Heights West Side | $1,900/yr | $158/mo |
| 62706 | Arlington Heights North Side | $1,907/yr | $159/mo |
| 62712 | Arlington Heights East Side | $2,000/yr | $167/mo |
| 62702 | Arlington Heights Downtown/Central | $2,151/yr | $179/mo |
The cheapest ZIP is 62705 (Arlington Heights South Side) at $1,878/yr. The most expensive is 62702 (Arlington Heights Downtown/Central) at $2,151/yr — a $273/year difference for the same driver.
Your Arlington Heights ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Arlington Heights. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,110/yr | $343/mo | +110% vs avg |
| Young Adult (20-25) | $2,740/yr | $228/mo | +40% vs avg |
| Adult (26-35) | $1,957/yr | $163/mo | 0% vs avg |
| Mid-Career (36-50) | $1,722/yr | $144/mo | -12% vs avg |
| Senior (51-65) | $1,624/yr | $135/mo | -17% vs avg |
| 65+ | $1,742/yr | $145/mo | -11% vs avg |
Teens in Arlington Heights pay an average of $4,110/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,624/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Illinois cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Arlington Heights drivers can save up to $481/year. ZIP 62705 (Arlington Heights South Side) has the lowest rates starting at $1,878/yr.
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