Car Insurance in Northbrook, IL
Not every Northbrook 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 Northbrook?
The average estimated cost of Lemonade car insurance in Northbrook ranges from roughly $1,560 to $1,620 per year*, depending on factors like your age, driving history, car type, and location.
| City | Average annual cost |
|---|---|
| Glenview | $1,920 to $1,980 |
| Deerfield | $1,260 to $1,320 |
| Wheeling | $1,980 to $2,040 |
| Highland Park | $2,940 to $3,000 |
How can I get cheaper car insurance in Northbrook?
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 Northbrook?
Every Northbrook 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 Northbrook?
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 Northbrook?
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 Northbrook: car insurance across Illinois
Northbrook car insurance FAQs
What happens if you drive without insurance in Northbrook, IL?
Illinois law requires all drivers to carry minimum liability coverage, and getting caught without it can mean fines, a suspended license, and having your registration revoked. If you cause an accident while uninsured, you’re personally on the hook for the other driver’s medical bills and repairs. It’s one of those situations where the cost of skipping coverage is almost always higher than the cost of having it.
How does Northbrook's weather affect car insurance?
Northbrook winters can be rough, with heavy snow, ice, and freezing temperatures that increase the risk of accidents and vehicle damage. Comprehensive coverage can help protect your car from weather-related damage like falling ice, flooding from spring thaws, or hail during summer storms. If you’re parking outside through Illinois winters, it’s worth making sure your coverage goes beyond just the basics.
Is car insurance more expensive for young drivers in Northbrook?
Younger drivers do tend to pay more, but safe habits behind the wheel can bring that cost down more than most people expect. The good news is that your rate isn’t set in stone, and building a clean driving record early makes a real difference over time.
What coverage options go beyond Illinois's minimum requirements?
Illinois only requires liability coverage, which pays for damage and injuries you cause to others, but it doesn’t cover your own car or medical expenses. Adding collision coverage helps with repairs to your vehicle after an accident, while comprehensive covers non-collision events like theft, hail, or a fallen tree branch. Many Northbrook drivers also add medical payments coverage and roadside assistance for extra protection on those long stretches of I-94 or Route 41.
What should you do after a car accident in Northbrook?
First, make sure everyone is safe, then call 911 if there are any injuries or significant damage since Illinois law requires reporting accidents that involve injury or property damage over a certain threshold. Exchange insurance and contact information with the other driver, and document the scene with photos before moving any vehicles. Then reach out to your insurance provider as soon as possible to start the claims process.
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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