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Get Cheap Car Insurance in 62704, IL
We monitor insurance prices, helping the average driver in 62704 save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in 62704
The chart below shows the cheapest car insurance company in 62704 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.
| 62704 Insurer | Monthly Cost |
|---|---|
| State Farm | $50 |
| Country Financial | $54 |
| Metromile | $59 |
| American Family Insurance | $63 |
Savings for Every Kind of 62704 Driver
Based on our extensive insurance data, we know the average 62704 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 $345 per year by choosing the right vehicle insurance company. Some 62704 residents are paying out over $1,476 extra every year for auto insurance in 62704. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
62704, IL Savings / Yr. |
|---|---|
$345 |
|
$648 |
|
$519 |
|
$544 |
|
$1,340 |
|
$386 |
|
$495 |
62704 Car Insurance vs. Illinois
People living in 62704 pay an average of 2.34% less than the typical driver in the state. The average driver in 62704 can expect to pay about $876 per year, or $1,476 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in 62704 for most people.
Car Insurance Prices by 62704 Neighborhood
Insurance Prices
Where is insurance cheapest within 62704?
The map shows insurance prices in and around 62704, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $253 per year within the zip boundaries, with insurance premiums ranging from a high of $1,629 to a low of $1,376. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the West parts of 62704.Pick the Best Car Insurance Company for You in 62704
The best car insurance provider for most drivers in 62704
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $345 over the average 62704 car insurance company.
The best car insurance provider for 62704 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 $648 over the competition.
The best car insurance company for 62704 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $519 better than other car insurance companies.
The best auto insurance for 62704 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $544 less each year.
The least expensive car insurance company for new and young drivers in 62704
In 62704, State Farm costs young drivers $1,340 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 62704
State Farm gave the largest car insurance discounts to married couples, averaging $386 saved each year compared to an average 62704 couple's premiums.
The cheapest car insurance in 62704 for drivers with bad credit
The best 62704 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 62704
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 62704 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 62704, 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 62704
What Influences the Cost of Car Insurance in 62704?
On average, car insurance in 62704 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 62704 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 13 to 14 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 62704 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- 62704 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 62704 is $73 per month for minimum coverage and $123 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
- 62701: Insurance costs 6.64% more
- 62711: Insurance costs 3.86% less
- 62703: Insurance costs 6.17% more
- 62702: Insurance costs 2.37% more
- 62712: Insurance costs 1.49% less
- 62707: Insurance costs 1.83% less
- 62629: Insurance costs 5.56% less
- 62563: Insurance costs 4.74% less
- 62684: Insurance costs 5.62% less
- 62561: Insurance costs 3.66% less
Zip Codes with Similar Populations
- 29710: Insurance costs 11.79% more
- 78626: Insurance costs 13.08% more
- 79763: Insurance costs 21.54% more
- 34203: Insurance costs 74.39% more
- 33624: Insurance costs 105.42% more
- 33619: Insurance costs 106.78% more
- 80920: Insurance costs 26.69% more
- 33071: Insurance costs 109.82% more
- 32780: Insurance costs 65.85% more
- 84037: Insurance costs 2.51% less