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Get Cheap Car Insurance in Gurnee, IL
We monitor insurance prices, helping the average driver in Gurnee save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Gurnee
The chart below shows the cheapest car insurance company in Gurnee 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.
| Gurnee Insurer | Monthly Cost |
|---|---|
| State Farm | $54 |
| Country Financial | $59 |
| Metromile | $64 |
| American Family Insurance | $68 |
Savings for Every Kind of Gurnee Driver
Based on our extensive insurance data, we know the average Gurnee 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 $375 per year by choosing the right vehicle insurance company. Some Gurnee residents are paying out over $1,607 extra every year for auto insurance in Gurnee. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Gurnee, IL Savings / Yr. |
|---|---|
$375 |
|
$706 |
|
$565 |
|
$592 |
|
$1,459 |
|
$420 |
|
$539 |
Gurnee Car Insurance vs. Illinois
People living in Gurnee pay an average of 6.33% more than the typical driver in the state. The average driver in Gurnee can expect to pay about $954 per year, or $1,607 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Gurnee for most people.
Car Insurance Prices by Gurnee Neighborhood
Insurance Prices
Where is insurance cheapest within Gurnee?
The map shows insurance prices in and around Gurnee, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $598 per year within the city boundaries, with insurance premiums ranging from a high of $2,083 to a low of $1,485. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of Gurnee.Pick the Best Car Insurance Company for You in Gurnee
The best car insurance provider for most drivers in Gurnee
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $375 over the average Gurnee car insurance company.
The best car insurance provider for Gurnee 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 $706 over the competition.
The best car insurance company for Gurnee drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $565 better than other car insurance companies.
The best auto insurance for Gurnee drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $592 less each year.
The least expensive car insurance company for new and young drivers in Gurnee
In Gurnee, State Farm costs young drivers $1,459 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Gurnee
State Farm gave the largest car insurance discounts to married couples, averaging $420 saved each year compared to an average Gurnee couple's premiums.
The cheapest car insurance in Gurnee for drivers with bad credit
The best Gurnee car insurance company for customer service
Recent price drops
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The cheapest large national provider in Gurnee
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Gurnee 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 Gurnee, 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 Gurnee
What Influences the Cost of Car Insurance in Gurnee?
On average, car insurance in Gurnee 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 Gurnee is 36 minutes, which is a little more 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 Gurnee 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 C+ according to CrimeGrade.org.
- Gurnee 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 Gurnee is $79 per month for minimum coverage and $134 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
- Gages Lake: Insurance costs 5.04% less
- Third Lake: Insurance costs 4.42% less
- Park City: Insurance costs 12.82% more
- Old Mill Creek: Insurance costs 7.78% less
- Wadsworth: Insurance costs 4.54% less
- Waukegan: Insurance costs 18.23% more
- Grayslake: Insurance costs 4.42% less
- Lindenhurst: Insurance costs 4.17% less
- Green Oaks: Insurance costs 6.41% less
- Venetian Village: Insurance costs 5.54% less
Cities with Similar Populations
- Jamestown: Insurance costs 39.45% more
- Salem: Insurance costs 26.94% less
- Sahuarita: Insurance costs 6.16% more
- Lewiston: Insurance costs 36.96% less
- Lemoore: Insurance costs 23.90% more
- Lauderdale Lakes: Insurance costs 118.29% more
- Lake Orion: Insurance costs 86.68% more
- Kendall West: Insurance costs 108.71% more
- San Dimas: Insurance costs 35.28% more
- Irmo: Insurance costs 5.41% more