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Get Cheap Car Insurance in Kirksville, IL
We monitor insurance prices, helping the average driver in Kirksville save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Kirksville
The chart below shows the cheapest car insurance company in Kirksville 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.
| Kirksville Insurer | Monthly Cost |
|---|---|
| State Farm | $47 |
| Country Financial | $51 |
| Metromile | $55 |
| American Family Insurance | $59 |
Savings for Every Kind of Kirksville Driver
Based on our extensive insurance data, we know the average Kirksville 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 $324 per year by choosing the right vehicle insurance company. Some Kirksville residents are paying out over $1,388 extra every year for auto insurance in Kirksville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Kirksville, IL Savings / Yr. |
|---|---|
$324 |
|
$610 |
|
$488 |
|
$512 |
|
$1,261 |
|
$363 |
|
$466 |
Kirksville Car Insurance vs. Illinois
People living in Kirksville pay an average of 8.11% less than the typical driver in the state. The average driver in Kirksville can expect to pay about $824 per year, or $1,388 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Kirksville for most people.
Car Insurance Prices by Kirksville Neighborhood
Insurance Prices
Where is insurance cheapest within Kirksville?
The map shows insurance prices in and around Kirksville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $38 per year within the city boundaries, with insurance premiums ranging from a high of $1,416 to a low of $1,378. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Kirksville.Pick the Best Car Insurance Company for You in Kirksville
The best car insurance provider for most drivers in Kirksville
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $324 over the average Kirksville car insurance company.
The best car insurance provider for Kirksville 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 $610 over the competition.
The best car insurance company for Kirksville drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $488 better than other car insurance companies.
The best auto insurance for Kirksville drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $512 less each year.
The least expensive car insurance company for new and young drivers in Kirksville
In Kirksville, State Farm costs young drivers $1,261 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Kirksville
State Farm gave the largest car insurance discounts to married couples, averaging $363 saved each year compared to an average Kirksville couple's premiums.
The cheapest car insurance in Kirksville for drivers with bad credit
The best Kirksville car insurance company for customer service
Nationwide was the best company for customer service in Kirksville according to the NAIC.
Recent price drops
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The cheapest large national provider in Kirksville
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Kirksville 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 Kirksville, 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 Kirksville
What Influences the Cost of Car Insurance in Kirksville?
On average, car insurance in Kirksville 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 Kirksville is 29 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 Kirksville are among the highest 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.
- Kirksville has an average population density 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 Kirksville is $69 per month for minimum coverage and $116 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
- Sullivan: Insurance costs 0.72% more
- Bruce: Insurance costs 0.50% more
- Findlay: Insurance costs 2.38% more
- Todds Point: Insurance costs 3.53% more
- Bethany: Insurance costs 2.88% more
- Chipps: Insurance costs 3.10% more
- Allenville: Insurance costs 1.30% less
- Duvall: Insurance costs 9.80% more
- Windsor Shelby County: Insurance costs 1.73% more
- Lovington: Insurance costs 3.96% more
Cities with Similar Populations
- Popejoy: Insurance costs 13.18% less
- Otisco: Insurance costs 9.80% more
- Outlet: Insurance costs 0.50% more
- Overton: Insurance costs 2.59% less
- Oyster Creek: Insurance costs 27.74% more
- Padua: Insurance costs 25.58% less
- Paintersville: Insurance costs 37.18% more
- Paul: Insurance costs 0.43% less
- Pea Ridge: Insurance costs 11.31% less
- Pea Ridge: Insurance costs 3.96% less