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Get Cheap Car Insurance in 61616, IL
We monitor insurance prices, helping the average driver in 61616 save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in 61616
The chart below shows the cheapest car insurance company in 61616 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Country Financial, Metromile, and American Family Insurance.
| 61616 Insurer | Monthly Cost |
|---|---|
| State Farm | $49 |
| Country Financial | $53 |
| Metromile | $58 |
| American Family Insurance | $62 |
Savings for Every Kind of 61616 Driver
Based on our extensive insurance data, we know the average 61616 driver will save about 23% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $340 per year by choosing the right vehicle insurance company. Some 61616 residents are paying out over $1,457 extra every year for auto insurance in 61616. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
61616, IL Savings / Yr. |
|---|---|
$340 |
|
$640 |
|
$512 |
|
$537 |
|
$1,323 |
|
$381 |
|
$489 |
61616 Car Insurance vs. Illinois
People living in 61616 pay an average of 3.57% less than the typical driver in the state. The average driver in 61616 can expect to pay about $865 per year, or $1,457 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in 61616 for most people.
Car Insurance Prices by 61616 Neighborhood
Insurance Prices
Where is insurance cheapest within 61616?
The map shows insurance prices in and around 61616, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $117 per year within the zip boundaries, with insurance premiums ranging from a high of $1,514 to a low of $1,397. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of 61616.Pick the Best Car Insurance Company for You in 61616
The best car insurance provider for most drivers in 61616
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $340 over the average 61616 car insurance company.
The best car insurance provider for 61616 drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $640 over the competition.
The best car insurance company for 61616 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $512 better than other car insurance companies.
The best auto insurance for 61616 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $537 less each year.
The least expensive car insurance company for new and young drivers in 61616
In 61616, State Farm costs young drivers $1,323 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 61616
State Farm gave the largest car insurance discounts to married couples, averaging $381 saved each year compared to an average 61616 couple's premiums.
The cheapest car insurance in 61616 for drivers with bad credit
The best 61616 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 61616
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 61616 driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 61616, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, young drivers, drivers with bad credit, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around 61616
What Influences the Cost of Car Insurance in 61616?
On average, car insurance in 61616 is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 61616 is 20 minutes, which is far less than average for a driver in the state.
- Illinois state insurance regulations may allow for lower prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 61616 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- 61616 is one of the least populated areas in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 61616 is $72 per month for minimum coverage and $121 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 61614: Insurance costs 0.41% less
- 61603: Insurance costs 12.77% more
- 61606: Insurance costs 4.05% more
- 61604: Insurance costs 6.73% more
- 61625: Insurance costs 1.03% less
- 61602: Insurance costs 20.52% more
- 61615: Insurance costs 0.21% less
- 61611: Insurance costs 1.85% less
- 61605: Insurance costs 21.69% more
- 61552: Insurance costs 2.61% less
Zip Codes with Similar Populations
- 02822: Insurance costs 48.11% more
- 02830: Insurance costs 50.24% more
- 03070: Insurance costs 18.33% less
- 03229: Insurance costs 19.49% less
- 59847: Insurance costs 9.13% more
- 49346: Insurance costs 95.26% more
- 49451: Insurance costs 88.26% more
- 49631: Insurance costs 93.07% more
- 49935: Insurance costs 96.98% more
- 50047: Insurance costs 16.82% less