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Get Cheap Car Insurance in 62205, IL
We monitor insurance prices, helping the average driver in 62205 save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in 62205
The chart below shows the cheapest car insurance company in 62205 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.
| 62205 Insurer | Monthly Cost |
|---|---|
| State Farm | $62 |
| Country Financial | $67 |
| Metromile | $73 |
| American Family Insurance | $79 |
Savings for Every Kind of 62205 Driver
Based on our extensive insurance data, we know the average 62205 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 $432 per year by choosing the right vehicle insurance company. Some 62205 residents are paying out over $1,850 extra every year for auto insurance in 62205. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
62205, IL Savings / Yr. |
|---|---|
$432 |
|
$813 |
|
$650 |
|
$682 |
|
$1,680 |
|
$484 |
|
$621 |
62205 Car Insurance vs. Illinois
People living in 62205 pay an average of 22.43% more than the typical driver in the state. The average driver in 62205 can expect to pay about $1,098 per year, or $1,850 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in 62205 for most people.
Car Insurance Prices by 62205 Neighborhood
Insurance Prices
Where is insurance cheapest within 62205?
The map shows insurance prices in and around 62205, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $391 per year within the zip boundaries, with insurance premiums ranging from a high of $2,025 to a low of $1,634. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the East parts of 62205.Pick the Best Car Insurance Company for You in 62205
The best car insurance provider for most drivers in 62205
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $432 over the average 62205 car insurance company.
The best car insurance provider for 62205 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 $813 over the competition.
The best car insurance company for 62205 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $650 better than other car insurance companies.
The best auto insurance for 62205 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $682 less each year.
The least expensive car insurance company for new and young drivers in 62205
In 62205, State Farm costs young drivers $1,680 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 62205
State Farm gave the largest car insurance discounts to married couples, averaging $484 saved each year compared to an average 62205 couple's premiums.
The cheapest car insurance in 62205 for drivers with bad credit
The best 62205 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 62205
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 62205 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 62205, 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 62205
What Influences the Cost of Car Insurance in 62205?
On average, car insurance in 62205 is more expensive than the rest of the state. These high 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:
- Illinois state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 62205 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 B according to CrimeGrade.org.
- 62205 is a lightly populated area 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 62205 is $92 per month for minimum coverage and $154 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
- 62201: Insurance costs 2.59% less
- 62204: Insurance costs 0.49% less
- 62207: Insurance costs 1.14% less
- 62203: Insurance costs 3.24% less
- 62059: Insurance costs 7.95% less
- 63102: Insurance costs 10.92% more
- 63101: Insurance costs 15.78% more
- 62206: Insurance costs 5.68% less
- 62090: Insurance costs 2.76% more
- 63106: Insurance costs 27.19% more
Zip Codes with Similar Populations
- 30183: Insurance costs 2.11% less
- 78643: Insurance costs 13.03% less
- 77665: Insurance costs 9.30% less
- 76825: Insurance costs 9.89% less
- 76642: Insurance costs 10.22% less
- 38680: Insurance costs 4.59% less
- 35218: Insurance costs 2.70% more
- 33834: Insurance costs 35.89% more
- 30621: Insurance costs 7.19% less
- 78657: Insurance costs 11.89% less