Palos Heights drivers pay an average of $1,809/year — $38 more than the national average. With 140 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $333/year.
(888) 217-6781Estimated full coverage auto insurance rates for Palos Heights, IL from top carriers. Rates are adjusted for Palos Heights's 140 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $684 | $114/mo |
| Progressive | $773 | $129/mo |
| Country Financial | $795 | $133/mo |
| State Farm | $845 | $141/mo |
| Allstate | $1,029 | $171/mo |
Estimates based on 2026 rate filings for ZIP 60463. GEICO is cheapest at ~$114/mo. Actual rates vary by driver profile and exact Palos Heights location.
These Palos Heights-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Palos Heights, IL. Takes under 2 minutes.
(888) 217-6781Palos Heights is a smaller city in Illinois with a population of 12,068. 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 Palos Heights.
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 Palos Heights can swing your premium by hundreds of dollars. Here's how rates compare across Palos Heights neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 60478 | Palos Heights South Side | $1,734/yr | $145/mo |
| 60465 | Palos Heights North Side | $1,743/yr | $145/mo |
| 60479 | Palos Heights West Side | $1,827/yr | $152/mo |
| 60465 | Palos Heights East Side | $1,843/yr | $154/mo |
| 60463 | Palos Heights Downtown/Central | $1,956/yr | $163/mo |
The cheapest ZIP is 60478 (Palos Heights South Side) at $1,734/yr. The most expensive is 60463 (Palos Heights Downtown/Central) at $1,956/yr — a $222/year difference for the same driver.
Your Palos Heights ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Palos Heights. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,799/yr | $317/mo | +110% vs avg |
| Young Adult (20-25) | $2,533/yr | $211/mo | +40% vs avg |
| Adult (26-35) | $1,809/yr | $151/mo | 0% vs avg |
| Mid-Career (36-50) | $1,592/yr | $133/mo | -12% vs avg |
| Senior (51-65) | $1,501/yr | $125/mo | -17% vs avg |
| 65+ | $1,610/yr | $134/mo | -11% vs avg |
Teens in Palos Heights pay an average of $3,799/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,501/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.
Palos Heights drivers can save up to $333/year. ZIP 60478 (Palos Heights South Side) has the lowest rates starting at $1,734/yr.
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