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Get Cheap Car Insurance in Midlothian, IL
We monitor insurance prices, helping the average driver in Midlothian save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Midlothian
The chart below shows the cheapest car insurance company in Midlothian 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.
| Midlothian Insurer | Monthly Cost |
|---|---|
| State Farm | $56 |
| Country Financial | $61 |
| Metromile | $67 |
| American Family Insurance | $72 |
Savings for Every Kind of Midlothian Driver
Based on our extensive insurance data, we know the average Midlothian 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 $393 per year by choosing the right vehicle insurance company. Some Midlothian residents are paying out over $1,680 extra every year for auto insurance in Midlothian. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Midlothian, IL Savings / Yr. |
|---|---|
$393 |
|
$738 |
|
$591 |
|
$619 |
|
$1,526 |
|
$439 |
|
$564 |
Midlothian Car Insurance vs. Illinois
People living in Midlothian pay an average of 11.21% more than the typical driver in the state. The average driver in Midlothian can expect to pay about $998 per year, or $1,680 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Midlothian for most people.
Car Insurance Prices by Midlothian Neighborhood
Insurance Prices
Where is insurance cheapest within Midlothian?
The map shows insurance prices in and around Midlothian, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $242 per year within the city boundaries, with insurance premiums ranging from a high of $1,785 to a low of $1,543. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of Midlothian.Pick the Best Car Insurance Company for You in Midlothian
The best car insurance provider for most drivers in Midlothian
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $393 over the average Midlothian car insurance company.
The best car insurance provider for Midlothian 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 $738 over the competition.
The best car insurance company for Midlothian drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $591 better than other car insurance companies.
The best auto insurance for Midlothian drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $619 less each year.
The least expensive car insurance company for new and young drivers in Midlothian
In Midlothian, State Farm costs young drivers $1,526 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Midlothian
State Farm gave the largest car insurance discounts to married couples, averaging $439 saved each year compared to an average Midlothian couple's premiums.
The cheapest car insurance in Midlothian for drivers with bad credit
The best Midlothian car insurance company for customer service
Nationwide was the best company for customer service in Midlothian according to the NAIC.
Recent price drops
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The cheapest large national provider in Midlothian
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Midlothian 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 Midlothian, 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 Midlothian
What Influences the Cost of Car Insurance in Midlothian?
On average, car insurance in Midlothian 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 Midlothian is 38 minutes, which is far 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 Midlothian 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.
- Midlothian 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 Midlothian is $83 per month for minimum coverage and $140 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
- Robbins: Insurance costs 18.04% more
- Posen: Insurance costs 7.74% more
- Crestwood: Insurance costs 4.94% less
- Oak Forest: Insurance costs 3.10% less
- Markham: Insurance costs 15.42% more
- Dixmoor: Insurance costs 11.85% more
- Blue Island: Insurance costs 11.67% more
- Alsip: Insurance costs 3.15% more
- Harvey: Insurance costs 14.70% more
- Hazel Crest: Insurance costs 16.90% more
Cities with Similar Populations
- Morehead City: Insurance costs 30.36% less
- Port Lavaca: Insurance costs 0.77% less
- Port Jervis: Insurance costs 39.64% more
- Pontotoc: Insurance costs 2.32% less
- Plymouth: Insurance costs 37.02% less
- Plaquemine: Insurance costs 93.93% more
- Northampton: Insurance costs 6.07% less
- North New Hyde Park: Insurance costs 73.51% more
- North Bend: Insurance costs 11.13% less
- Nesconset: Insurance costs 56.85% more