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Get Cheap Car Insurance in Mount Carroll, IL
We monitor insurance prices, helping the average driver in Mount Carroll save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Mount Carroll
The chart below shows the cheapest car insurance company in Mount Carroll 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.
| Mount Carroll Insurer | Monthly Cost |
|---|---|
| State Farm | $45 |
| Country Financial | $49 |
| Metromile | $54 |
| American Family Insurance | $58 |
Savings for Every Kind of Mount Carroll Driver
Based on our extensive insurance data, we know the average Mount Carroll 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 $316 per year by choosing the right vehicle insurance company. Some Mount Carroll residents are paying out over $1,354 extra every year for auto insurance in Mount Carroll. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Mount Carroll, IL Savings / Yr. |
|---|---|
$316 |
|
$595 |
|
$476 |
|
$499 |
|
$1,230 |
|
$354 |
|
$454 |
Mount Carroll Car Insurance vs. Illinois
People living in Mount Carroll pay an average of 10.36% less than the typical driver in the state. The average driver in Mount Carroll can expect to pay about $804 per year, or $1,354 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Mount Carroll for most people.
Car Insurance Prices by Mount Carroll Neighborhood
Insurance Prices
Where is insurance cheapest within Mount Carroll?
The map shows insurance prices in and around Mount Carroll, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $121 per year within the city boundaries, with insurance premiums ranging from a high of $1,467 to a low of $1,346. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the South parts of Mount Carroll.Pick the Best Car Insurance Company for You in Mount Carroll
The best car insurance provider for most drivers in Mount Carroll
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $316 over the average Mount Carroll car insurance company.
The best car insurance provider for Mount Carroll 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 $595 over the competition.
The best car insurance company for Mount Carroll drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $476 better than other car insurance companies.
The best auto insurance for Mount Carroll drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $499 less each year.
The least expensive car insurance company for new and young drivers in Mount Carroll
In Mount Carroll, State Farm costs young drivers $1,230 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Mount Carroll
State Farm gave the largest car insurance discounts to married couples, averaging $354 saved each year compared to an average Mount Carroll couple's premiums.
The cheapest car insurance in Mount Carroll for drivers with bad credit
The best Mount Carroll car insurance company for customer service
Nationwide was the best company for customer service in Mount Carroll according to the NAIC.
Recent price drops
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The cheapest large national provider in Mount Carroll
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Mount Carroll 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 Mount Carroll, 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 Mount Carroll
What Influences the Cost of Car Insurance in Mount Carroll?
On average, car insurance in Mount Carroll 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 Mount Carroll is 30 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 Mount Carroll are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Mount Carroll 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 Mount Carroll is $67 per month for minimum coverage and $113 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
- Center Hill: Insurance costs 0.37% less
- Daggett: Insurance costs 1.99% more
- Palsgrove: Insurance costs the same
- Wacker: Insurance costs 0.30% less
- Lanark: Insurance costs 1.11% more
- Savanna: Insurance costs 9.31% more
- Chadwick: Insurance costs 1.99% more
- Thomson: Insurance costs 7.98% more
- Sabula: Insurance costs 8.94% less
- Fair Haven: Insurance costs 6.50% more
Cities with Similar Populations
- Bryantown: Insurance costs 41.80% more
- Almo: Insurance costs 49.34% more
- Gearhart: Insurance costs 3.99% more
- Edwards AFB: Insurance costs 36.34% more
- Dayton: Insurance costs 3.18% more
- Cottonwood: Insurance costs 16.77% less
- Collinwood: Insurance costs 0.44% more
- Central City: Insurance costs 0.52% more
- Burns Harbor: Insurance costs 9.08% less
- Buchanan Dam: Insurance costs 18.54% more