Car Insurance in Highland Park, IL
Not every Highland Park driver has the same habits on the Edens Expressway. The careful ones, the smooth brakers, the ones who keep their phone face down and their eyes on the road?
Lemonade notices. And prices you accordingly.
How much does car insurance cost in Highland Park?
The average estimated cost of Lemonade car insurance in Highland Park ranges from roughly $2,940 to $3,000 per year*, depending on factors like your age, driving history, car type, and location.
| City | Average annual cost |
|---|---|
| Highwood | $1,740 to $1,800 |
| Deerfield | $1,260 to $1,320 |
| Northbrook | $1,560 to $1,620 |
| Lake Forest | $2,100 to $2,160 |
How can I get cheaper car insurance in Highland Park?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Hybrid/EV discount
Got a hybrid or EV? We think that’s worth rewarding. You’ll get a lower rate, automatically.
What is the minimum car insurance
required in Highland Park?
Every Highland Park driver needs to carry a minimum level of coverage to legally drive.
Here’s exactly what the state requires.
| Required minimum coverages for Illinois drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $20,000 |
| Uninsured motorist coverage/underinsured motorist bodily injury coverage | $25,000 (per person)/ $50,000 (per accident) |
What additional car insurance coverages
does Lemonade offer in Highland Park?
The state minimum covers the basics. These coverages help fill in the gaps.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash- like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured / underinsured motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured motorist property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreWhat’s the best car insurance in Highland Park?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
What are Highland Park drivers driving?
Next time you’re stuck on the Edens Expressway heading south toward the city, play along.
Here are the nine makes you’re most likely to spot on Highland Park roads, according to our data.
Beyond Highland Park: car insurance across Illinois
Highland Park car insurance FAQs
What happens if you drive without insurance in Highland Park?
Illinois law requires all drivers to carry at least the state minimum liability coverage, and getting caught without it in Highland Park can mean fines, a suspended license, and even vehicle registration suspension. If you cause an accident while uninsured, you’re personally on the hook for the other driver’s damages and medical bills. It’s a risk that adds up fast.
How does Highland Park's weather affect my car insurance?
Winters in Highland Park bring heavy snow, ice, and freezing temperatures that increase the risk of accidents and vehicle damage, so comprehensive and collision coverage become especially valuable here. Spring storms can bring hail and flooding that damage parked cars too. Making sure your policy covers weather-related incidents means you’re not paying out of pocket when the seasons get rough.
Is car insurance more expensive for younger drivers in Highland Park?
Younger drivers do tend to pay more, but safe driving habits can make a real difference in what you actually pay. A clean record, no accidents, and responsible behavior behind the wheel all work in your favor regardless of your age.
What coverage options go beyond Illinois's state minimum?
Illinois only requires liability coverage, but that won’t pay for damage to your own car. Adding collision coverage helps after an accident, comprehensive covers theft and weather damage, and medical payments coverage can help with your own injury costs no matter who was at fault.
What should I do after a car accident in Highland Park?
First, make sure everyone is safe and call 911 if there are injuries. Exchange insurance and contact information with the other driver, document the scene with photos, and report the accident to your insurer as soon as possible. Highland Park police can file an official report, which can be useful when you file your claim.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average car premiums from Sept 2025 through August 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances. Vehicle make rankings reflect active Lemonade Car policyholders in Illinois as of August 2026, based on Lemonade’s internal data. All figures are based on Lemonade’s internal claims data, intended for illustrative purposes only, and may not be representative of all Illinois drivers or the broader insurance market.
Continue Reading
How Much Does Car Insurance Cost in 2026?
Let’s dig into the factors that impact car insurance rates.
Pay Per Mile Car Insurance, Explained
Have stellar driving habits and spend less time behind the wheel than the average driver? Pay per mile car insurance could be a great fit.
Car Insurance for Electric Cars
We reward drivers for the environment-friendly driving choices they’re already making. Here are some of the perks.
Calumet City, IL Car Insurance
Get an auto insurance quote in Calumet City
Moline, IL Car Insurance
Get an auto insurance quote in Moline
Car Insurance in Champaign
Get an auto insurance quote in Champaign