Car Insurance in Orland Park, IL
Not every Orland Park driver has the same habits on I-80. 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 Orland Park?
The average estimated cost of Lemonade car insurance in Orland Park ranges from roughly $1,860 to $1,920 per year*, depending on factors like your age, driving history, car type, and location.
| City | Average annual cost |
|---|---|
| Palos Park | $1,140 to $1,200 |
| Palos Heights | $2,760 to $2,820 |
| Oak Forest | $2,760 to $2,820 |
| Tinley Park | $2,340 to $2,400 |
How can I get cheaper car insurance in Orland 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 Orland Park?
Every Orland 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 Orland 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 Orland 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 Orland Park drivers driving?
Next time you’re stuck on I-80 through the Tinley Park interchange, play along.
Here are the nine makes you’re most likely to spot on Orland Park roads, according to our data.
Beyond Orland Park: car insurance across Illinois
Orland Park car insurance FAQs
What happens if you drive without insurance in Orland Park, IL?
Illinois law requires all drivers to carry at least the state minimum liability coverage, and getting caught without it can mean fines, a suspended license, and even having your car registration revoked. If you cause an accident while uninsured, you’re personally on the hook for the other driver’s bills. It’s a risk that’s not worth taking, especially in a busy suburb like Orland Park where traffic on routes like La Grange Road can get heavy.
How does Orland Park's weather affect my car insurance?
Orland Park winters are no joke, and the ice, snow, and slush that come with them can lead to more fender benders and storm-related damage than drivers in warmer states deal with. Comprehensive coverage can help protect your car from things like hail, flooding from heavy spring rains, and other weather-related damage that liability alone won’t cover. If you’re parking outside through an Illinois winter, it’s worth making sure your coverage reflects that reality.
Does being a young driver in Orland Park mean I'll pay more for car insurance?
Younger drivers do tend to pay more on average, but safe driving habits can make a real difference in what you actually pay. Lemonade looks at more than just your age when determining your rate, so young drivers who drive responsibly have a real shot at paying less than the stereotype suggests. It’s one of the better reasons to build good habits early.
What coverage options go beyond Illinois' state minimums?
Illinois only requires bodily injury and property damage liability, but that leaves a lot of gaps, like damage to your own car after a collision or a theft in a parking lot. Adding collision, comprehensive, and medical payments coverage gives you a much fuller safety net for the kinds of things that actually happen to drivers in Orland Park. It’s worth thinking about what you’d do if your car was totaled or broken into, and whether your current coverage would actually help.
What should I do after a car accident in Orland Park?
First, make sure everyone is safe and call 911 if there are any injuries, then move to a safe spot if you can and exchange insurance and contact information with the other driver. Illinois law requires you to report accidents that result in injury, death, or significant property damage to local authorities. After that, document everything with photos and contact 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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