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Get Cheap Car Insurance in Fairfield, IL
We monitor insurance prices, helping the average driver in Fairfield save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Fairfield
The chart below shows the cheapest car insurance company in Fairfield 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.
| Fairfield Insurer | Monthly Cost |
|---|---|
| State Farm | $49 |
| Country Financial | $53 |
| Metromile | $58 |
| American Family Insurance | $62 |
Savings for Every Kind of Fairfield Driver
Based on our extensive insurance data, we know the average Fairfield 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 $340 per year by choosing the right vehicle insurance company. Some Fairfield residents are paying out over $1,457 extra every year for auto insurance in Fairfield. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fairfield, IL Savings / Yr. |
|---|---|
$340 |
|
$640 |
|
$512 |
|
$537 |
|
$1,323 |
|
$381 |
|
$489 |
Fairfield Car Insurance vs. Illinois
People living in Fairfield pay an average of 3.58% less than the typical driver in the state. The average driver in Fairfield can expect to pay about $865 per year, or $1,457 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Fairfield for most people.
Car Insurance Prices by Fairfield Neighborhood
Insurance Prices
Where is insurance cheapest within Fairfield?
The map shows insurance prices in and around Fairfield, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $92 per year within the city boundaries, with insurance premiums ranging from a high of $1,499 to a low of $1,407. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Fairfield.Pick the Best Car Insurance Company for You in Fairfield
The best car insurance provider for most drivers in Fairfield
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $340 over the average Fairfield car insurance company.
The best car insurance provider for Fairfield 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 $640 over the competition.
The best car insurance company for Fairfield drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $512 better than other car insurance companies.
The best auto insurance for Fairfield drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $537 less each year.
The least expensive car insurance company for new and young drivers in Fairfield
In Fairfield, State Farm costs young drivers $1,323 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fairfield
State Farm gave the largest car insurance discounts to married couples, averaging $381 saved each year compared to an average Fairfield couple's premiums.
The cheapest car insurance in Fairfield for drivers with bad credit
The best Fairfield car insurance company for customer service
Recent price drops
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The cheapest large national provider in Fairfield
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Fairfield 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 Fairfield, 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 Fairfield
What Influences the Cost of Car Insurance in Fairfield?
On average, car insurance in Fairfield 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 city are influenced by the following factors:
- The average commute time in Fairfield is 26 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Fairfield are lower than average 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.
- Fairfield is a fairly densely populated area in the state. The city’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 Fairfield is $72 per month for minimum coverage and $121 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
- Merriam: Insurance costs 2.13% less
- Jeffersonville: Insurance costs 1.58% less
- Geff: Insurance costs 1.10% less
- Barnhill: Insurance costs 1.58% less
- Toms Prairie: Insurance costs 3.43% less
- Golden Gate: Insurance costs 1.37% less
- Sims: Insurance costs 2.54% less
- Mill Shoals: Insurance costs 0.75% less
- Round Prairie: Insurance costs 0.89% less
- Wayne City: Insurance costs 1.44% less
Cities with Similar Populations
- Oak Harbor: Insurance costs 25.94% less
- Ormond-by-the-Sea: Insurance costs 70.28% more
- Orange Home: Insurance costs 68.91% more
- Olmito: Insurance costs 17.30% more
- Ocklawaha: Insurance costs 67.26% more
- Oceano: Insurance costs 36.03% more
- Ocean Shores: Insurance costs 5.83% less
- Ocean Isle Beach: Insurance costs 16.88% less
- Oakmont: Insurance costs 4.87% less
- Oakland: Insurance costs 106.25% more