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Cheap Auto Insurance in Bartlett, IL

Bartlett drivers pay an average of $1,773/year β€” $2 more than the national average. With 505 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $297/year.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
πŸŽ–οΈ U.S. Military Veteran πŸ“‹ Licensed in 50 States πŸ• 15+ Years Experience πŸ“… Updated: April 10, 2026

Bartlett, IL Auto Insurance Rates by Carrier (2026)

Estimated full coverage auto insurance rates for Bartlett, IL from top carriers. Rates are adjusted for Bartlett's 505 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:

Insurance Company6-Month PremiumMonthly Cost
GEICO ⭐$670$112/mo
Progressive$758$126/mo
Country Financial$779$130/mo
State Farm$828$138/mo
Allstate$1,008$168/mo

Estimates based on 2026 rate filings for ZIP 60103. GEICO is cheapest at ~$112/mo. Actual rates vary by driver profile and exact Bartlett location.

Bartlett Driving Safety & Insurance Stats

These Bartlett-specific safety and risk statistics directly impact what you pay for auto insurance:

$1,773
Avg. Annual Premium
505
Crashes Per Year
5
Fatal Crashes/Year
136
DUI Arrests/Year
1.8 per 1,000
Vehicle Thefts
14%
Uninsured Drivers
19.4 min
Avg. Commute
41K
Population

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Auto Insurance in Bartlett: What Drives Your Rate

Bartlett is a smaller city in Illinois with a population of 41,105. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, blizzards, lake-effect snow, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Bartlett.

Key Risk Factors in Bartlett

For official Illinois insurance regulations, visit the Illinois Department of Insurance. For driver licensing, see the Illinois Secretary of State.

Auto Insurance Rates by ZIP Code in Bartlett, IL

Your specific ZIP code within Bartlett can swing your premium by hundreds of dollars. Here's how rates compare across Bartlett neighborhoods:

ZIP CodeNeighborhoodAvg. AnnualMonthly
60112Bartlett South Side$1,701/yr$142/mo
60108Bartlett North Side$1,710/yr$143/mo
60111Bartlett West Side$1,736/yr$145/mo
60111Bartlett East Side$1,826/yr$152/mo
60103Bartlett Downtown/Central$1,942/yr$162/mo

The cheapest ZIP is 60112 (Bartlett South Side) at $1,701/yr. The most expensive is 60103 (Bartlett Downtown/Central) at $1,942/yr β€” a $241/year difference for the same driver.

πŸŽ–οΈ Live in Bartlett South Side or Bartlett Downtown/Central?

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Auto Insurance Rates by Age in Bartlett, IL

Age is one of the biggest rating factors in Bartlett. Here's how rates differ by age group:

Age GroupAvg. AnnualMonthlyvs. City Avg
Teen (16-19)$3,723/yr$310/mo+110% vs avg
Young Adult (20-25)$2,482/yr$207/mo+40% vs avg
Adult (26-35)$1,773/yr$148/mo0% vs avg
Mid-Career (36-50)$1,560/yr$130/mo-12% vs avg
Senior (51-65)$1,472/yr$123/mo-17% vs avg
65+$1,578/yr$132/mo-11% vs avg

Teens in Bartlett pay an average of $3,723/year β€” 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,472/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.

How to Get the Cheapest Auto Insurance in Bartlett

Illinois Auto Insurance Guides

πŸ“„ Cheap Car Insuranceβ€Ί πŸ“„ Minimum Coverageβ€Ί πŸ“„ Full Coverageβ€Ί πŸ“„ SR-22 Insuranceβ€Ί πŸ“„ No Deposit Insuranceβ€Ί πŸ“„ Liability Insuranceβ€Ί πŸ“„ Collision Insuranceβ€Ί πŸ“„ Comprehensive Insuranceβ€Ί πŸ“„ Uninsured Motorist Insuranceβ€Ί πŸ“„ PIP Insuranceβ€Ί πŸ“„ Gap Insuranceβ€Ί πŸ“„ Non-Owner Car Insuranceβ€Ί πŸ“„ Teen Driver Insuranceβ€Ί πŸ“„ Senior Driver Insuranceβ€Ί πŸ“„ Military Car Insuranceβ€Ί πŸ“„ High Risk Auto Insuranceβ€Ί πŸ“„ First-Time Driver Insuranceβ€Ί πŸ“„ Insurance After DUIβ€Ί πŸ“„ Bad Credit Car Insuranceβ€Ί πŸ“„ Multi-Car Insuranceβ€Ί πŸ“„ Rideshare Insuranceβ€Ί πŸ“„ Car Insurance Discountsβ€Ί πŸ“„ Bundle Home & Autoβ€Ί πŸ“„ Pay-Per-Mile Insuranceβ€Ί πŸ“„ Same-Day Car Insuranceβ€Ί πŸ“„ Month-to-Month Insuranceβ€Ί πŸ“„ Insurance After Accidentβ€Ί πŸ“„ Electric Vehicle Insuranceβ€Ί

More Illinois Cities

Compare auto insurance rates in other Illinois cities:

Bartlett, IL Auto Insurance FAQ

How much is car insurance in Bartlett, IL?
The average annual auto insurance premium in Bartlett is $1,773, which is $2 above the national average. Rates range from $1,701/yr in Bartlett South Side (ZIP 60112) to $1,942/yr in Bartlett Downtown/Central (ZIP 60103). Your driving record, age, vehicle, and exact ZIP code all affect your rate.
Who has the cheapest auto insurance in Bartlett?
GEICO typically offers the cheapest full coverage in Bartlett at around $112/month. However, with 505 annual crashes and a 14% uninsured driver rate in Bartlett, rates vary widely β€” comparing quotes from multiple companies is essential. Call (888) 217-6781 for a free comparison.
What auto insurance is required in Bartlett, IL?
Bartlett follows Illinois state law requiring minimum liability of 25/50/20. However, with 505 crashes per year and 5 fatal crashes annually in Bartlett, experts recommend at least 50/100/50 coverage plus comprehensive and collision to protect against Bartlett's risks including tornadoes, severe thunderstorms, blizzards, lake-effect snow, ice.
Can I get a free auto insurance quote for Bartlett?
Yes! Call Rate Reduction Insurance at (888) 217-6781 for a free, no-obligation quote. Our licensed agents compare 5+ carriers to find the cheapest rate for your specific Bartlett ZIP code β€” whether you're in Bartlett South Side or Bartlett Downtown/Central. Most quotes take under 2 minutes.
Why is car insurance so expensive in Bartlett?
Bartlett has 505 crashes per year, 136 DUI arrests annually, and a vehicle theft rate of 1.8 per 1,000. Combined with Bartlett's 19.4 min average commute on highways like I-90, I-55, I-57, I-290, these factors push premiums well above average. Comparing quotes regularly is the best way to save.
What ZIP code has the cheapest car insurance in Bartlett?
ZIP code 60112 (Bartlett South Side) tends to have the lowest rates in Bartlett at around $1,701/year. The most expensive area is Bartlett Downtown/Central (ZIP 60103) at $1,942/year β€” a difference of $241/year for the same driver profile.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Illinois Department of Insurance β€” official state insurance regulator for Illinois.
  3. National Association of Insurance Commissioners (NAIC) β€” national insurance data and consumer resources.
  4. Illinois Secretary of State β€” Illinois vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) β€” independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) β€” crash and safety statistics.
  7. NHTSA FARS Database β€” fatal crash and DUI arrest data by state and locality.

Stop Overpaying for Auto Insurance in Bartlett

Bartlett drivers can save up to $297/year. ZIP 60112 (Bartlett South Side) has the lowest rates starting at $1,701/yr.

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