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Get Cheap Car Insurance in Collinsville, IL
We monitor insurance prices, helping the average driver in Collinsville save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Collinsville
The chart below shows the cheapest car insurance company in Collinsville 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.
| Collinsville Insurer | Monthly Cost |
|---|---|
| State Farm | $52 |
| Country Financial | $56 |
| Metromile | $61 |
| American Family Insurance | $66 |
Savings for Every Kind of Collinsville Driver
Based on our extensive insurance data, we know the average Collinsville 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 $361 per year by choosing the right vehicle insurance company. Some Collinsville residents are paying out over $1,544 extra every year for auto insurance in Collinsville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Collinsville, IL Savings / Yr. |
|---|---|
$361 |
|
$679 |
|
$543 |
|
$569 |
|
$1,402 |
|
$404 |
|
$518 |
Collinsville Car Insurance vs. Illinois
People living in Collinsville pay an average of 2.20% more than the typical driver in the state. The average driver in Collinsville can expect to pay about $917 per year, or $1,544 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Collinsville for most people.
Car Insurance Prices by Collinsville Neighborhood
Insurance Prices
Where is insurance cheapest within Collinsville?
The map shows insurance prices in and around Collinsville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $289 per year within the city boundaries, with insurance premiums ranging from a high of $1,706 to a low of $1,417. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Collinsville.Pick the Best Car Insurance Company for You in Collinsville
The best car insurance provider for most drivers in Collinsville
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $361 over the average Collinsville car insurance company.
The best car insurance provider for Collinsville 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 $679 over the competition.
The best car insurance company for Collinsville drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $543 better than other car insurance companies.
The best auto insurance for Collinsville drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $569 less each year.
The least expensive car insurance company for new and young drivers in Collinsville
In Collinsville, State Farm costs young drivers $1,402 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Collinsville
State Farm gave the largest car insurance discounts to married couples, averaging $404 saved each year compared to an average Collinsville couple's premiums.
The cheapest car insurance in Collinsville for drivers with bad credit
The best Collinsville car insurance company for customer service
Nationwide was the best company for customer service in Collinsville according to the NAIC.
Recent price drops
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The cheapest large national provider in Collinsville
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Collinsville 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 Collinsville, 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 Collinsville
What Influences the Cost of Car Insurance in Collinsville?
On average, car insurance in Collinsville 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 city are influenced by the following factors:
- Illinois state insurance regulations may allow for lower prices.
- An average of 2 to 3 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Collinsville 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.
- Collinsville is a lightly populated area in the state. The city’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 Collinsville is $76 per month for minimum coverage and $129 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 Cities
- Meadow Heights: Insurance costs 4.86% less
- State Park Place: Insurance costs 2.14% less
- Lumaghi Heights: Insurance costs 3.89% less
- Caseyville: Insurance costs 2.66% less
- Maryville: Insurance costs 3.17% less
- Pontoon Beach: Insurance costs 2.98% less
- Glen Carbon: Insurance costs 2.59% less
- Fairview Heights: Insurance costs 1.36% more
- Troy: Insurance costs 4.86% less
- Fairmont City: Insurance costs 7.97% more
Cities with Similar Populations
- Miami Lakes: Insurance costs 114.05% more
- Selma: Insurance costs 36.40% more
- Schererville: Insurance costs 18.26% less
- Scaggsville: Insurance costs 30.38% more
- Salem: Insurance costs 19.04% less
- Riverhead: Insurance costs 70.08% more
- Poplar Bluff: Insurance costs 16.32% more
- Okemos: Insurance costs 81.54% more
- Nutley: Insurance costs 31.15% more
- North Royalton: Insurance costs 27.20% less