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Get Cheap Car Insurance in Brainerd, Chicago, IL
We monitor insurance prices, helping the average driver in Brainerd save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Brainerd
The chart below shows the cheapest car insurance company in Brainerd 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.
| Brainerd Insurer | Monthly Cost |
|---|---|
| State Farm | $69 |
| Country Financial | $74 |
| Metromile | $81 |
| American Family Insurance | $87 |
Savings for Every Kind of Brainerd Driver
Based on our extensive insurance data, we know the average Brainerd 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 $477 per year by choosing the right vehicle insurance company. Some Brainerd residents are paying out over $2,040 extra every year for auto insurance in Brainerd. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Brainerd, Chicago, IL Savings / Yr. |
|---|---|
$477 |
|
$897 |
|
$717 |
|
$752 |
|
$1,853 |
|
$533 |
|
$685 |
Brainerd Car Insurance vs. Chicago
People living in Brainerd pay an average of 35.03% more than the typical driver in the state. The average driver in Brainerd can expect to pay about $1,211 per year, or $2,040 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Brainerd for most people.
Car Insurance Prices by Brainerd Neighborhood
Insurance Prices
Where is insurance cheapest within Brainerd?
The map shows insurance prices in and around Brainerd, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $298 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,202 to a low of $1,904. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the North parts of Brainerd.Pick the Best Car Insurance Company for You in Brainerd
The best car insurance provider for most drivers in Brainerd
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $477 over the average Brainerd car insurance company.
The best car insurance provider for Brainerd 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 $897 over the competition.
The best car insurance company for Brainerd drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $717 better than other car insurance companies.
The best auto insurance for Brainerd drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $752 less each year.
The least expensive car insurance company for new and young drivers in Brainerd
In Brainerd, State Farm costs young drivers $1,853 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Brainerd
State Farm gave the largest car insurance discounts to married couples, averaging $533 saved each year compared to an average Brainerd couple's premiums.
The cheapest car insurance in Brainerd for drivers with bad credit
The best Brainerd car insurance company for customer service
Recent price drops
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The cheapest large national provider in Brainerd
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Brainerd 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 Brainerd, 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 Brainerd
What Influences the Cost of Car Insurance in Brainerd?
On average, car insurance in Brainerd 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 neighborhood are influenced by the following factors:
- The average commute time in Brainerd is 50 minutes, which is far more than average for a driver in the city.
- Illinois state insurance regulations may allow for lower prices.
- An average of 7 to 8 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Brainerd are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Brainerd is a lightly populated area in the state. The neighborhood’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 Brainerd is $101 per month for minimum coverage and $170 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 Neighborhoods
- Auburn Gresham: Insurance costs 1.67% more
- South Englewood: Insurance costs 0.49% more
- Chester Highlands: Insurance costs 0.59% less
- Washington Heights: Insurance costs 0.29% more
- Auburn Park: Insurance costs 1.42% more
- Beverly: Insurance costs 12.25% less
- Chatham: Insurance costs 0.29% less
- Becks Park: Insurance costs 0.83% more
- West Englewood: Insurance costs 2.50% more
- Roseland: Insurance costs 2.11% more
Neighborhoods with Similar Populations
- Pocono Country Place: Insurance costs 16.72% less
- Guide Meridian: Insurance costs 33.33% less
- Hartford: Insurance costs 33.92% more
- Black Rock: Insurance costs 15.83% more
- Brighton Heights: Insurance costs 28.97% less
- Central Santa Cruz: Insurance costs 2.25% less
- Prescott: Insurance costs 20.10% more
- Downtown Ontario: Insurance costs 15.15% more
- Downtown Harbor-Post Road South: Insurance costs 1.37% more
- Deep Creek West: Insurance costs 39.95% less