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Get Cheap Car Insurance in Granite City, IL
We monitor insurance prices, helping the average driver in Granite City save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Granite City
The chart below shows the cheapest car insurance company in Granite City 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.
| Granite City Insurer | Monthly Cost |
|---|---|
| State Farm | $51 |
| Country Financial | $56 |
| Metromile | $61 |
| American Family Insurance | $65 |
Savings for Every Kind of Granite City Driver
Based on our extensive insurance data, we know the average Granite City 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 $357 per year by choosing the right vehicle insurance company. Some Granite City residents are paying out over $1,529 extra every year for auto insurance in Granite City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Granite City, IL Savings / Yr. |
|---|---|
$357 |
|
$672 |
|
$537 |
|
$564 |
|
$1,389 |
|
$400 |
|
$513 |
Granite City Car Insurance vs. Illinois
People living in Granite City pay an average of 1.22% more than the typical driver in the state. The average driver in Granite City can expect to pay about $908 per year, or $1,529 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Granite City for most people.
Car Insurance Prices by Granite City Neighborhood
Insurance Prices
Where is insurance cheapest within Granite City?
The map shows insurance prices in and around Granite City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $398 per year within the city boundaries, with insurance premiums ranging from a high of $1,840 to a low of $1,442. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Southeast parts of Granite City.Pick the Best Car Insurance Company for You in Granite City
The best car insurance provider for most drivers in Granite City
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $357 over the average Granite City car insurance company.
The best car insurance provider for Granite City 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 $672 over the competition.
The best car insurance company for Granite City drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $537 better than other car insurance companies.
The best auto insurance for Granite City drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $564 less each year.
The least expensive car insurance company for new and young drivers in Granite City
In Granite City, State Farm costs young drivers $1,389 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Granite City
State Farm gave the largest car insurance discounts to married couples, averaging $400 saved each year compared to an average Granite City couple's premiums.
The cheapest car insurance in Granite City for drivers with bad credit
The best Granite City car insurance company for customer service
Nationwide was the best company for customer service in Granite City according to the NAIC.
Recent price drops
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The cheapest large national provider in Granite City
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Granite City 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 Granite City, 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 Granite City
What Influences the Cost of Car Insurance in Granite City?
On average, car insurance in Granite City 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 4 to 5 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Granite City 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.
- Granite City 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 Granite City is $76 per month for minimum coverage and $127 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
- Pontoon Beach: Insurance costs 2.03% less
- Madison: Insurance costs 10.27% more
- Venice: Insurance costs 21.84% more
- Lovejoy: Insurance costs 10.14% more
- Riverview: Insurance costs 52.65% more
- Fairmont City: Insurance costs 9.03% more
- Brooklyn: Insurance costs 11.84% more
- Bellefontaine Neighbors: Insurance costs 56.38% more
- Meadow Heights: Insurance costs 3.92% less
- State Park Place: Insurance costs 1.18% less
Cities with Similar Populations
- Alamo: Insurance costs 22.43% more
- San Luis: Insurance costs 14.06% more
- Ossining: Insurance costs 88.69% more
- Orange: Insurance costs 62.98% more
- Opelousas: Insurance costs 110.73% more
- North Olmsted: Insurance costs 27.14% less
- Nixa: Insurance costs 16.48% more
- Mundelein: Insurance costs 3.79% more
- Montrose: Insurance costs 13.08% more
- Melrose Park: Insurance costs 21.26% more