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Get Cheap Car Insurance in Calumet Heights, Chicago, IL

We monitor insurance prices, helping the average driver in Calumet Heights save up to 28.8% on car insurance.

 

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The Cheapest Minimum Coverage in Calumet Heights

The chart below shows the cheapest car insurance company in Calumet Heights 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.

 
Calumet Heights Insurer Monthly Cost
State Farm $69
Country Financial $75
Metromile $82
American Family Insurance $88

Savings for Every Kind of Calumet Heights Driver

The table shows how much the average auto insurance customer in Calumet Heights might save by following our recommendations.

Based on our extensive insurance data, we know the average Calumet Heights 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 $482 per year by choosing the right vehicle insurance company. Some Calumet Heights residents are paying out over $2,062 extra every year for auto insurance in Calumet Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Calumet Heights, Chicago, IL Savings / Yr.
Drivers with good records
$482
Drivers with accidents
$906
Drivers with speeding tickets
$725
Drivers with a DUI conviction
$760
Young drivers
$1,872
Married drivers
$539
Drivers with bad credit
$692

Calumet Heights Car Insurance vs. Chicago

People living in Calumet Heights pay an average of 36.47% more than the typical driver in the state. The average driver in Calumet Heights can expect to pay about $1,224 per year, or $2,062 for full coverage.

Based on our analysis, Lighthouse will be the cheapest provider in Calumet Heights for most people.

Car Insurance Prices by Calumet Heights Neighborhood

Calumet Heights, Chicago, IL map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Calumet Heights?

The map shows insurance prices in and around Calumet Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $245 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,174 to a low of $1,929. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of Calumet Heights.

Pick the Best Car Insurance Company for You in Calumet Heights

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Calumet Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Calumet Heights

For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $482 over the average Calumet Heights car insurance company.

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We use the average good driver, paying $132 per month, as our baseline for pricing in Calumet Heights. State Farm, Lighthouse, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Calumet Heights drivers with accidents on their records

In Calumet Heights getting into an accident will raise premiums an average 34% for a yearly cost of $3,143. That's $1,081 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Country Financial, and Metromile are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $906 over the competition.

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The best car insurance company for Calumet Heights drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $725 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Calumet Heights, tickets raise premiums on new quotes about $746. If you have a speeding ticket, we recommend State Farm, Geico, and Country Financial for savings that beat the average insurance cost of $2,809 per year.

The best auto insurance for Calumet Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,112 per year in auto insurance premiums, which was $1,049 more than a driver with no major issues. State Farm, Kemper, and Country Financial penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $760 less each year.

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The least expensive car insurance company for new and young drivers in Calumet Heights

In Calumet Heights, State Farm costs young drivers $1,872 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 68% more for insurance than more mature drivers in Calumet Heights. With an average cost of $6,503 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Country Financial try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Calumet Heights

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $179. State Farm, Travelers, and Country Financial provided the largest discounts to couples living in Calumet Heights.

State Farm gave the largest car insurance discounts to married couples, averaging $539 saved each year compared to an average Calumet Heights couple's premiums.

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The cheapest car insurance in Calumet Heights for drivers with bad credit

People with poor credit saved an average of $692 with Country Financial.

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Many people are surprised that their poor credit score can cost them an average of $1,290 every year. Premiums for people with poor credit were about $3,352 in Calumet Heights. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Nationwide, and Country Financial.

The best Calumet Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Calumet Heights, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Calumet Heights.

Nationwide was the best company for customer service in Calumet Heights according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Calumet Heights, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Calumet Heights. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Calumet Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 29% of Calumet Heights residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Calumet Heights driver can expect to pay about $98 per month.

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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 Calumet Heights, 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.
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Auto Insurance Prices in and Around Calumet Heights

What Influences the Cost of Car Insurance in Calumet Heights?

On average, car insurance in Calumet Heights 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 Calumet Heights is 55 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 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Calumet Heights are among the lowest 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.
  • Calumet Heights is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Calumet Heights is $102 per month for minimum coverage and $172 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

Neighborhoods with Similar Populations

* Who is the average Calumet Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Calumet Heights with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.