Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Franklin Grove, IL
We monitor insurance prices, helping the average driver in Franklin Grove save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Franklin Grove
The chart below shows the cheapest car insurance company in Franklin 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.
| Franklin Grove Insurer | Monthly Cost |
|---|---|
| State Farm | $48 |
| Country Financial | $52 |
| Metromile | $56 |
| American Family Insurance | $60 |
Savings for Every Kind of Franklin Grove Driver
Based on our extensive insurance data, we know the average Franklin 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 $332 per year by choosing the right vehicle insurance company. Some Franklin Grove residents are paying out over $1,420 extra every year for auto insurance in Franklin Grove. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Franklin Grove, IL Savings / Yr. |
|---|---|
$332 |
|
$624 |
|
$499 |
|
$524 |
|
$1,290 |
|
$371 |
|
$477 |
Franklin Grove Car Insurance vs. Illinois
People living in Franklin Grove pay an average of 6.01% less than the typical driver in the state. The average driver in Franklin Grove can expect to pay about $843 per year, or $1,420 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Franklin Grove for most people.
Car Insurance Prices by Franklin Grove Neighborhood
Insurance Prices
Where is insurance cheapest within Franklin Grove?
The map shows insurance prices in and around Franklin Grove, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $39 per year within the city boundaries, with insurance premiums ranging from a high of $1,445 to a low of $1,406. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Franklin Grove.Pick the Best Car Insurance Company for You in Franklin Grove
The best car insurance provider for most drivers in Franklin Grove
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $332 over the average Franklin Grove car insurance company.
The best car insurance provider for Franklin 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 $624 over the competition.
The best car insurance company for Franklin Grove drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $499 better than other car insurance companies.
The best auto insurance for Franklin Grove drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $524 less each year.
The least expensive car insurance company for new and young drivers in Franklin Grove
In Franklin Grove, State Farm costs young drivers $1,290 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Franklin Grove
State Farm gave the largest car insurance discounts to married couples, averaging $371 saved each year compared to an average Franklin Grove couple's premiums.
The cheapest car insurance in Franklin Grove for drivers with bad credit
The best Franklin Grove car insurance company for customer service
Nationwide was the best company for customer service in Franklin Grove according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Franklin Grove, which was better than other insurers.
The cheapest large national provider in Franklin Grove
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Franklin 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 Franklin 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 Franklin Grove
What Influences the Cost of Car Insurance in Franklin Grove?
On average, car insurance in Franklin Grove 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 Franklin Grove is 31 minutes, which is about the national 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 Franklin Grove are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Franklin Grove 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 Franklin Grove is $70 per month for minimum coverage and $118 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
- Nachusa: Insurance costs 0.35% more
- Kingdom: Insurance costs the same
- Ashton: Insurance costs 0.63% less
- Lee Center: Insurance costs 0.77% less
- Eldena: Insurance costs 0.77% more
- Grand Detour: Insurance costs 0.28% more
- Amboy: Insurance costs 0.42% less
- Dixon: Insurance costs 1.27% more
- Binghampton: Insurance costs 0.28% less
- Honey Creek: Insurance costs 2.25% less
Cities with Similar Populations
- Bonanza: Insurance costs 13.52% more
- Springer: Insurance costs 6.27% more
- Fairton: Insurance costs 29.65% more
- Clara: Insurance costs 13.73% more
- Falls: Insurance costs 4.01% less
- Cat Spring: Insurance costs 13.59% more
- Braggs: Insurance costs 20.28% more
- Adell: Insurance costs 25.07% less
- Boise City: Insurance costs 22.96% more
- Belgrade: Insurance costs 13.66% more