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 Machesney Park, IL
We monitor insurance prices, helping the average driver in Machesney Park save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Machesney Park
The chart below shows the cheapest car insurance company in Machesney Park 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.
| Machesney Park Insurer | Monthly Cost |
|---|---|
| State Farm | $47 |
| Country Financial | $51 |
| Metromile | $56 |
| American Family Insurance | $60 |
Savings for Every Kind of Machesney Park Driver
Based on our extensive insurance data, we know the average Machesney Park 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 $329 per year by choosing the right vehicle insurance company. Some Machesney Park residents are paying out over $1,407 extra every year for auto insurance in Machesney Park. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Machesney Park, IL Savings / Yr. |
|---|---|
$329 |
|
$618 |
|
$494 |
|
$519 |
|
$1,277 |
|
$368 |
|
$472 |
Machesney Park Car Insurance vs. Illinois
People living in Machesney Park pay an average of 6.89% less than the typical driver in the state. The average driver in Machesney Park can expect to pay about $835 per year, or $1,407 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Machesney Park for most people.
Car Insurance Prices by Machesney Park Neighborhood
Insurance Prices
Where is insurance cheapest within Machesney Park?
The map shows insurance prices in and around Machesney Park, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $226 per year within the city boundaries, with insurance premiums ranging from a high of $1,532 to a low of $1,306. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Southeast parts of Machesney Park.Pick the Best Car Insurance Company for You in Machesney Park
The best car insurance provider for most drivers in Machesney Park
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $329 over the average Machesney Park car insurance company.
The best car insurance provider for Machesney Park 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 $618 over the competition.
The best car insurance company for Machesney Park drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $494 better than other car insurance companies.
The best auto insurance for Machesney Park drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $519 less each year.
The least expensive car insurance company for new and young drivers in Machesney Park
In Machesney Park, State Farm costs young drivers $1,277 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Machesney Park
State Farm gave the largest car insurance discounts to married couples, averaging $368 saved each year compared to an average Machesney Park couple's premiums.
The cheapest car insurance in Machesney Park for drivers with bad credit
The best Machesney Park car insurance company for customer service
Nationwide was the best company for customer service in Machesney Park 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 Machesney Park, which was better than other insurers.
The cheapest large national provider in Machesney Park
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Machesney Park 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 Machesney Park, 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 Machesney Park
What Influences the Cost of Car Insurance in Machesney Park?
On average, car insurance in Machesney Park 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 Machesney Park is 27 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 10 to 11 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Machesney Park are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Machesney Park 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 Machesney Park is $70 per month for minimum coverage and $117 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
- Loves Park: Insurance costs 1.35% more
- Roscoe: Insurance costs 0.36% less
- Caledonia: Insurance costs 4.55% more
- Rockford: Insurance costs 12.86% more
- Rockton: Insurance costs 1.28% less
- South Beloit: Insurance costs 3.98% more
- Timberlane: Insurance costs 4.90% more
- Cherry Valley: Insurance costs 0.85% more
- Hunter: Insurance costs 3.34% less
- Poplar Grove: Insurance costs 0.43% less
Cities with Similar Populations
- Siloam Springs: Insurance costs 16.20% more
- Forest: Insurance costs 18.69% less
- Fort Walton Beach: Insurance costs 70.65% more
- Fountain Hills: Insurance costs 32.41% more
- Fountain Inn: Insurance costs 13.15% more
- Frankfort: Insurance costs 11.16% more
- Gainesville: Insurance costs 26.23% more
- Goodlettsville: Insurance costs 2.91% more
- Seymour: Insurance costs 1.78% less
- Short Pump: Insurance costs 12.65% less