Car Insurance in Mount Prospect, IL
Not every Mount Prospect driver has the same habits on I-90. 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 Mount Prospect?
The average estimated cost of Lemonade car insurance in Mount Prospect ranges from roughly $1,980 to $2,040 per year*, depending on factors like your age, driving history, car type, and location.
| City | Average annual cost |
|---|---|
| Des Plaines | $2,280 to $2,340 |
| Prospect Heights | $2,340 to $2,400 |
| Arlington Heights | $1,860 to $1,920 |
| Wheeling | $1,980 to $2,040 |
How can I get cheaper car insurance in Mount Prospect?
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 Mount Prospect?
Every Mount Prospect 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 Mount Prospect?
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 Mount Prospect?
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.
Beyond Mount Prospect: car insurance across Illinois
Mount Prospect Illinois car insurance FAQs
What coverage is recommended in Mount Prospect considering the seasonal weather?
Comprehensive coverage is essential in Mount Prospect to guard against risks like hail, snowstorms, and icy conditions during winter. It protects your vehicle from weather-related damages not caused by collisions.
Are wildlife collisions a concern for drivers in Mount Prospect?
Yes, with nearby forest preserves, there’s a chance of encountering deer or other animals on local roads. Comprehensive coverage helps protect your car against damage caused by wildlife-related accidents.
What happens if I don’t have the minimum car insurance coverage required in Mount Prospect?
Failing to carry the required car insurance in Mount Prospect could result in fines ranging from $500 to $2,500, and your driver’s license may be suspended. Authorities might also impound your vehicle, and you’d be required to file an SR-22 to restore your driving privileges. These penalties can create costly hurdles and major inconveniences for uninsured drivers.
Is Illinois an at-fault state?
Mount Prospect residents should know that Illinois is an at-fault state. If you’re found at fault in an accident, you’ll need to handle the costs for damages, either via your insurance or personal payment.
How can I lower my car insurance premium in Mount Prospect?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, paying your premium in full for a discount, and bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Mount Prospect that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts-like the three year safe driving discount, or the five year accident free discount.
By the way, did you know that Lemonade drivers in Mount Prospect get free roadside assistance? All you need to do is make sure that you’ve enabled location services in the Lemonade app.
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.
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