Oak Lawn drivers pay an average of $1,838/year — $67 more than the national average. With 735 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $362/year.
(888) 217-6781Estimated full coverage auto insurance rates for Oak Lawn, IL from top carriers. Rates are adjusted for Oak Lawn's 735 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $695 | $116/mo |
| Progressive | $785 | $131/mo |
| Country Financial | $808 | $135/mo |
| State Farm | $859 | $143/mo |
| Allstate | $1,045 | $174/mo |
Estimates based on 2026 rate filings for ZIP 60453. GEICO is cheapest at ~$116/mo. Actual rates vary by driver profile and exact Oak Lawn location.
These Oak Lawn-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Oak Lawn, IL. Takes under 2 minutes.
(888) 217-6781With 58,362 residents, Oak Lawn 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. Oak Lawn 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 Oak Lawn can swing your premium by hundreds of dollars. Here's how rates compare across Oak Lawn neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 60465 | Oak Lawn South Side | $1,715/yr | $143/mo |
| 60455 | Oak Lawn North Side | $1,798/yr | $150/mo |
| 60473 | Oak Lawn West Side | $1,801/yr | $150/mo |
| 60459 | Oak Lawn East Side | $1,891/yr | $158/mo |
| 60453 | Oak Lawn Downtown/Central | $1,959/yr | $163/mo |
The cheapest ZIP is 60465 (Oak Lawn South Side) at $1,715/yr. The most expensive is 60453 (Oak Lawn Downtown/Central) at $1,959/yr — a $244/year difference for the same driver.
Your Oak Lawn ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Oak Lawn. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,860/yr | $322/mo | +110% vs avg |
| Young Adult (20-25) | $2,573/yr | $214/mo | +40% vs avg |
| Adult (26-35) | $1,838/yr | $153/mo | 0% vs avg |
| Mid-Career (36-50) | $1,617/yr | $135/mo | -12% vs avg |
| Senior (51-65) | $1,526/yr | $127/mo | -17% vs avg |
| 65+ | $1,636/yr | $136/mo | -11% vs avg |
Teens in Oak Lawn pay an average of $3,860/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,526/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.
Oak Lawn drivers can save up to $362/year. ZIP 60465 (Oak Lawn South Side) has the lowest rates starting at $1,715/yr.
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