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 Livingston, IL
We monitor insurance prices, helping the average driver in Livingston save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Livingston
The chart below shows the cheapest car insurance company in Livingston 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.
| Livingston Insurer | Monthly Cost |
|---|---|
| State Farm | $49 |
| Country Financial | $53 |
| Metromile | $58 |
| American Family Insurance | $62 |
Savings for Every Kind of Livingston Driver
Based on our extensive insurance data, we know the average Livingston 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 $343 per year by choosing the right vehicle insurance company. Some Livingston residents are paying out over $1,468 extra every year for auto insurance in Livingston. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Livingston, IL Savings / Yr. |
|---|---|
$343 |
|
$645 |
|
$516 |
|
$541 |
|
$1,333 |
|
$384 |
|
$493 |
Livingston Car Insurance vs. Illinois
People living in Livingston pay an average of 2.85% less than the typical driver in the state. The average driver in Livingston can expect to pay about $871 per year, or $1,468 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Livingston for most people.
Car Insurance Prices by Livingston Neighborhood
Insurance Prices
Where is insurance cheapest within Livingston?
The map shows insurance prices in and around Livingston, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $25 per year within the city boundaries, with insurance premiums ranging from a high of $1,473 to a low of $1,448. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Livingston.Pick the Best Car Insurance Company for You in Livingston
The best car insurance provider for most drivers in Livingston
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $343 over the average Livingston car insurance company.
The best car insurance provider for Livingston 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 $645 over the competition.
The best car insurance company for Livingston drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $516 better than other car insurance companies.
The best auto insurance for Livingston drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $541 less each year.
The least expensive car insurance company for new and young drivers in Livingston
In Livingston, State Farm costs young drivers $1,333 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Livingston
State Farm gave the largest car insurance discounts to married couples, averaging $384 saved each year compared to an average Livingston couple's premiums.
The cheapest car insurance in Livingston for drivers with bad credit
The best Livingston car insurance company for customer service
Nationwide was the best company for customer service in Livingston 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 Livingston, which was better than other insurers.
The cheapest large national provider in Livingston
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Livingston 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 Livingston, 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 Livingston
What Influences the Cost of Car Insurance in Livingston?
On average, car insurance in Livingston 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:
- 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 Livingston are about 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.
- Livingston 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 Livingston is $73 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 Cities
- Williamson: Insurance costs 1.16% less
- Staunton: Insurance costs 2.32% more
- New Douglas: Insurance costs 1.36% less
- Alhambra: Insurance costs 3.34% less
- Worden: Insurance costs 0.48% more
- Hamel: Insurance costs 4.22% less
- White City: Insurance costs 0.41% less
- Kaufman: Insurance costs 3.34% less
- Mount Olive: Insurance costs 1.50% less
- Sawyerville: Insurance costs 0.20% less
Cities with Similar Populations
- Clayton: Insurance costs 102.93% more
- Dearing: Insurance costs 3.81% more
- Cottageville: Insurance costs 5.11% more
- Corinth: Insurance costs 78.95% more
- Coolwell: Insurance costs 19.41% less
- Cochise: Insurance costs 6.68% more
- Coalmont: Insurance costs 7.63% less
- Clifton: Insurance costs 11.51% more
- Clear Creek Springs: Insurance costs 51.09% more
- Tafton: Insurance costs 5.45% less