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Get Cheap Car Insurance in Montezuma, IL
We monitor insurance prices, helping the average driver in Montezuma save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Montezuma
The chart below shows the cheapest car insurance company in Montezuma 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.
| Montezuma Insurer | Monthly Cost |
|---|---|
| State Farm | $48 |
| Country Financial | $52 |
| Metromile | $57 |
| American Family Insurance | $61 |
Savings for Every Kind of Montezuma Driver
Based on our extensive insurance data, we know the average Montezuma 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 $335 per year by choosing the right vehicle insurance company. Some Montezuma residents are paying out over $1,433 extra every year for auto insurance in Montezuma. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Montezuma, IL Savings / Yr. |
|---|---|
$335 |
|
$630 |
|
$504 |
|
$528 |
|
$1,301 |
|
$375 |
|
$481 |
Montezuma Car Insurance vs. Illinois
People living in Montezuma pay an average of 5.15% less than the typical driver in the state. The average driver in Montezuma can expect to pay about $851 per year, or $1,433 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Montezuma for most people.
Car Insurance Prices by Montezuma Neighborhood
Insurance Prices
Where is insurance cheapest within Montezuma?
The map shows insurance prices in and around Montezuma, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $47 per year within the city boundaries, with insurance premiums ranging from a high of $1,467 to a low of $1,420. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Montezuma.Pick the Best Car Insurance Company for You in Montezuma
The best car insurance provider for most drivers in Montezuma
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $335 over the average Montezuma car insurance company.
The best car insurance provider for Montezuma 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 $630 over the competition.
The best car insurance company for Montezuma drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $504 better than other car insurance companies.
The best auto insurance for Montezuma drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $528 less each year.
The least expensive car insurance company for new and young drivers in Montezuma
In Montezuma, State Farm costs young drivers $1,301 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Montezuma
State Farm gave the largest car insurance discounts to married couples, averaging $375 saved each year compared to an average Montezuma couple's premiums.
The cheapest car insurance in Montezuma for drivers with bad credit
The best Montezuma car insurance company for customer service
Recent price drops
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The cheapest large national provider in Montezuma
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Montezuma 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 Montezuma, 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 Montezuma
What Influences the Cost of Car Insurance in Montezuma?
On average, car insurance in Montezuma 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 Montezuma is 32 minutes, which is about the national 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 Montezuma are higher 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.
- Montezuma is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Montezuma is $71 per month for minimum coverage and $119 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
- Milton: Insurance costs 0.70% less
- Glasgow: Insurance costs 2.37% more
- Pearl: Insurance costs 0.91% less
- Time: Insurance costs 0.28% less
- Detroit: Insurance costs 0.28% more
- Patterson: Insurance costs 0.56% less
- Winchester: Insurance costs 1.88% more
- Oxville: Insurance costs 1.05% less
- Alsey: Insurance costs 0.91% more
- Old Pearl: Insurance costs 0.91% less
Cities with Similar Populations
- Wilroads Gardens: Insurance costs 12.49% more
- Metropolitan: Insurance costs 97.91% more
- Woodbourne: Insurance costs 0.70% more
- Womer: Insurance costs 8.93% more
- Wolverton: Insurance costs 9.49% less
- Wolf Run: Insurance costs 10.82% more
- Wolf River: Insurance costs 7.33% less
- Wolf Lick: Insurance costs 45.78% more
- Wiville: Insurance costs 17.10% more
- Witherspoon: Insurance costs 17.24% more