Oak Park drivers pay an average of $1,851/year — $80 more than the national average. With 662 crashes per year and a 2.5 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $375/year.
(888) 217-6781Estimated full coverage auto insurance rates for Oak Park, IL from top carriers. Rates are adjusted for Oak Park's 662 annual crashes, 2.5 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $700 | $117/mo |
| Progressive | $791 | $132/mo |
| Country Financial | $814 | $136/mo |
| State Farm | $865 | $144/mo |
| Allstate | $1,053 | $175/mo |
Estimates based on 2026 rate filings for ZIP 60301. GEICO is cheapest at ~$117/mo. Actual rates vary by driver profile and exact Oak Park location.
These Oak Park-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Oak Park, IL. Takes under 2 minutes.
(888) 217-6781With 54,583 residents, Oak Park 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 Park 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 Park can swing your premium by hundreds of dollars. Here's how rates compare across Oak Park neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 60310 | Oak Park South Side | $1,762/yr | $147/mo |
| 60306 | Oak Park North Side | $1,801/yr | $150/mo |
| 60309 | Oak Park West Side | $1,808/yr | $151/mo |
| 60309 | Oak Park East Side | $1,899/yr | $158/mo |
| 60301 | Oak Park Downtown/Central | $2,004/yr | $167/mo |
The cheapest ZIP is 60310 (Oak Park South Side) at $1,762/yr. The most expensive is 60301 (Oak Park Downtown/Central) at $2,004/yr — a $242/year difference for the same driver.
Your Oak Park ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Oak Park. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,887/yr | $324/mo | +110% vs avg |
| Young Adult (20-25) | $2,591/yr | $216/mo | +40% vs avg |
| Adult (26-35) | $1,851/yr | $154/mo | 0% vs avg |
| Mid-Career (36-50) | $1,629/yr | $136/mo | -12% vs avg |
| Senior (51-65) | $1,536/yr | $128/mo | -17% vs avg |
| 65+ | $1,647/yr | $137/mo | -11% vs avg |
Teens in Oak Park pay an average of $3,887/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,536/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 Park drivers can save up to $375/year. ZIP 60310 (Oak Park South Side) has the lowest rates starting at $1,762/yr.
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