Palos Hills drivers pay an average of $1,772/year — $1 more than the national average. With 201 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $296/year.
(888) 217-6781Estimated full coverage auto insurance rates for Palos Hills, IL from top carriers. Rates are adjusted for Palos Hills's 201 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $670 | $112/mo |
| Progressive | $757 | $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 60465. GEICO is cheapest at ~$112/mo. Actual rates vary by driver profile and exact Palos Hills location.
These Palos Hills-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Palos Hills, IL. Takes under 2 minutes.
(888) 217-6781Palos Hills is a smaller city in Illinois with a population of 18,530. 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 Hills.
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 Hills can swing your premium by hundreds of dollars. Here's how rates compare across Palos Hills neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 60468 | Palos Hills South Side | $1,680/yr | $140/mo |
| 60469 | Palos Hills North Side | $1,689/yr | $141/mo |
| 60473 | Palos Hills West Side | $1,762/yr | $147/mo |
| 60475 | Palos Hills East Side | $1,779/yr | $148/mo |
| 60465 | Palos Hills Downtown/Central | $1,894/yr | $158/mo |
The cheapest ZIP is 60468 (Palos Hills South Side) at $1,680/yr. The most expensive is 60465 (Palos Hills Downtown/Central) at $1,894/yr — a $214/year difference for the same driver.
Your Palos Hills ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Palos Hills. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,721/yr | $310/mo | +110% vs avg |
| Young Adult (20-25) | $2,481/yr | $207/mo | +40% vs avg |
| Adult (26-35) | $1,772/yr | $148/mo | 0% vs avg |
| Mid-Career (36-50) | $1,559/yr | $130/mo | -12% vs avg |
| Senior (51-65) | $1,471/yr | $123/mo | -17% vs avg |
| 65+ | $1,577/yr | $131/mo | -11% vs avg |
Teens in Palos Hills pay an average of $3,721/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,471/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 Hills drivers can save up to $296/year. ZIP 60468 (Palos Hills South Side) has the lowest rates starting at $1,680/yr.
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