Lombard drivers pay an average of $1,879/year — $108 more than the national average. With 504 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $403/year.
(888) 217-6781Estimated full coverage auto insurance rates for Lombard, IL from top carriers. Rates are adjusted for Lombard's 504 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $710 | $118/mo |
| Progressive | $803 | $134/mo |
| Country Financial | $826 | $138/mo |
| State Farm | $878 | $146/mo |
| Allstate | $1,068 | $178/mo |
Estimates based on 2026 rate filings for ZIP 60148. GEICO is cheapest at ~$118/mo. Actual rates vary by driver profile and exact Lombard location.
These Lombard-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Lombard, IL. Takes under 2 minutes.
(888) 217-6781Lombard is a smaller city in Illinois with a population of 44,476. 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 Lombard.
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 Lombard can swing your premium by hundreds of dollars. Here's how rates compare across Lombard neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 60160 | Lombard South Side | $1,778/yr | $148/mo |
| 60149 | Lombard North Side | $1,788/yr | $149/mo |
| 60160 | Lombard West Side | $1,825/yr | $152/mo |
| 60158 | Lombard East Side | $1,918/yr | $160/mo |
| 60148 | Lombard Downtown/Central | $2,022/yr | $169/mo |
The cheapest ZIP is 60160 (Lombard South Side) at $1,778/yr. The most expensive is 60148 (Lombard Downtown/Central) at $2,022/yr — a $244/year difference for the same driver.
Your Lombard ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Lombard. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,946/yr | $329/mo | +110% vs avg |
| Young Adult (20-25) | $2,631/yr | $219/mo | +40% vs avg |
| Adult (26-35) | $1,879/yr | $157/mo | 0% vs avg |
| Mid-Career (36-50) | $1,654/yr | $138/mo | -12% vs avg |
| Senior (51-65) | $1,560/yr | $130/mo | -17% vs avg |
| 65+ | $1,672/yr | $139/mo | -11% vs avg |
Teens in Lombard pay an average of $3,946/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,560/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.
Lombard drivers can save up to $403/year. ZIP 60160 (Lombard South Side) has the lowest rates starting at $1,778/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes