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Get Cheap Car Insurance in Downers Grove, IL
We monitor insurance prices, helping the average driver in Downers Grove save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Downers Grove
The chart below shows the cheapest car insurance company in Downers Grove 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.
| Downers Grove Insurer | Monthly Cost |
|---|---|
| State Farm | $52 |
| Country Financial | $57 |
| Metromile | $62 |
| American Family Insurance | $66 |
Savings for Every Kind of Downers Grove Driver
Based on our extensive insurance data, we know the average Downers Grove 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 $362 per year by choosing the right vehicle insurance company. Some Downers Grove residents are paying out over $1,552 extra every year for auto insurance in Downers Grove. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downers Grove, IL Savings / Yr. |
|---|---|
$362 |
|
$682 |
|
$545 |
|
$572 |
|
$1,409 |
|
$406 |
|
$521 |
Downers Grove Car Insurance vs. Illinois
People living in Downers Grove pay an average of 2.69% more than the typical driver in the state. The average driver in Downers Grove can expect to pay about $921 per year, or $1,552 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Downers Grove for most people.
Car Insurance Prices by Downers Grove Neighborhood
Insurance Prices
Where is insurance cheapest within Downers Grove?
The map shows insurance prices in and around Downers Grove, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $274 per year within the city boundaries, with insurance premiums ranging from a high of $1,730 to a low of $1,456. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of Downers Grove.Pick the Best Car Insurance Company for You in Downers Grove
The best car insurance provider for most drivers in Downers Grove
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $362 over the average Downers Grove car insurance company.
The best car insurance provider for Downers Grove 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 $682 over the competition.
The best car insurance company for Downers Grove drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $545 better than other car insurance companies.
The best auto insurance for Downers Grove drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $572 less each year.
The least expensive car insurance company for new and young drivers in Downers Grove
In Downers Grove, State Farm costs young drivers $1,409 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downers Grove
State Farm gave the largest car insurance discounts to married couples, averaging $406 saved each year compared to an average Downers Grove couple's premiums.
The cheapest car insurance in Downers Grove for drivers with bad credit
The best Downers Grove car insurance company for customer service
Nationwide was the best company for customer service in Downers Grove according to the NAIC.
Recent price drops
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The cheapest large national provider in Downers Grove
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Downers Grove 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 Downers Grove, 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 Downers Grove
What Influences the Cost of Car Insurance in Downers Grove?
On average, car insurance in Downers Grove 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:
- The average commute time in Downers Grove is 38 minutes, which is far more than average for a driver in the state.
- 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 Downers Grove are about average 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.
- Downers Grove is one of the least populated areas 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 Downers Grove is $77 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
- Westmont: Insurance costs 3.87% more
- Clarendon Hills: Insurance costs 1.61% more
- Woodridge: Insurance costs 3.61% more
- Darien: Insurance costs 2.06% more
- Willowbrook: Insurance costs 3.09% more
- Lisle: Insurance costs 0.32% more
- Hinsdale: Insurance costs 3.16% more
- Oak Brook: Insurance costs 3.99% more
- Oakbrook Terrace: Insurance costs 6.89% more
- Burr Ridge: Insurance costs 2.90% more
Cities with Similar Populations
- West Chester: Insurance costs 26.22% less
- Brookline: Insurance costs 16.62% more
- Galveston: Insurance costs 10.76% more
- Collierville: Insurance costs 6.96% less
- Crown Point: Insurance costs 21.13% less
- Delaware: Insurance costs 26.80% less
- Montgomery: Insurance costs 8.44% more
- Plainfield: Insurance costs 43.43% more
- Peabody: Insurance costs 9.34% more
- Paramount: Insurance costs 49.68% more