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Get Cheap Car Insurance in Fayette County, IL

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

 

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The Cheapest Minimum Coverage in Fayette County

The chart below shows the cheapest car insurance company in Fayette County 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.

 
Fayette County Insurer Monthly Cost
State Farm $49
Country Financial $53
Metromile $58
American Family Insurance $62

Savings for Every Kind of Fayette County Driver

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

Based on our extensive insurance data, we know the average Fayette County 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 $341 per year by choosing the right vehicle insurance company. Some Fayette County residents are paying out over $1,460 extra every year for auto insurance in Fayette County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Fayette County, IL Savings / Yr.
Drivers with good records
$341
Drivers with accidents
$642
Drivers with speeding tickets
$513
Drivers with a DUI conviction
$538
Young drivers
$1,326
Married drivers
$382
Drivers with bad credit
$490

Fayette County Car Insurance vs. Illinois

People living in Fayette County pay an average of 3.34% less than the typical driver in the state. The average driver in Fayette County can expect to pay about $867 per year, or $1,460 for full coverage.

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

Car Insurance Prices by Fayette County Neighborhood

Fayette County, IL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Fayette County?

The map shows insurance prices in and around Fayette County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $114 per year within the county boundaries, with insurance premiums ranging from a high of $1,517 to a low of $1,403. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the South parts of Fayette County.

Pick the Best Car Insurance Company for You in Fayette County

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 Fayette County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Fayette County

For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $341 over the average Fayette County car insurance company.

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We use the average good driver, paying $93 per month, as our baseline for pricing in Fayette County. 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 Fayette County drivers with accidents on their records

In Fayette County getting into an accident will raise premiums an average 34% for a yearly cost of $2,226. That's $766 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 $642 over the competition.

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The best car insurance company for Fayette County drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $513 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 Fayette County, tickets raise premiums on new quotes about $529. If you have a speeding ticket, we recommend State Farm, Geico, and Country Financial for savings that beat the average insurance cost of $1,989 per year.

The best auto insurance for Fayette County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,204 per year in auto insurance premiums, which was $743 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 $538 less each year.

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The least expensive car insurance company for new and young drivers in Fayette County

In Fayette County, State Farm costs young drivers $1,326 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 Fayette County. With an average cost of $4,606 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 Fayette County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $127. State Farm, Travelers, and Country Financial provided the largest discounts to couples living in Fayette County.

State Farm gave the largest car insurance discounts to married couples, averaging $382 saved each year compared to an average Fayette County couple's premiums.

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The cheapest car insurance in Fayette County for drivers with bad credit

People with poor credit saved an average of $490 with Country Financial.

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Many people are surprised that their poor credit score can cost them an average of $913 every year. Premiums for people with poor credit were about $2,374 in Fayette County. 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 Fayette County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Fayette County, 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 Fayette County.

Nationwide was the best company for customer service in Fayette County 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 Fayette County, 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 Fayette County. 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 Fayette County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 21% of Fayette County residents who are renting, and don't plan to be in the county or state 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 Fayette County 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 Fayette County, 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 Fayette County

What Influences the Cost of Car Insurance in Fayette County?

On average, car insurance in Fayette County 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 county are influenced by the following factors:

  • The average commute time in Fayette County is 25 minutes, which is a little 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 Fayette County are lower than 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.
  • Fayette County is one of the most densely populated areas in the state. The county’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 Fayette County is $72 per month for minimum coverage and $122 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 Counties

Counties with Similar Populations

* Who is the average Fayette County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Fayette County 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.