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 Mount Vernon, IL
We monitor insurance prices, helping the average driver in Mount Vernon save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Mount Vernon
The chart below shows the cheapest car insurance company in Mount Vernon 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 Vernon Insurer | Monthly Cost |
|---|---|
| State Farm | $49 |
| Country Financial | $53 |
| Metromile | $58 |
| American Family Insurance | $62 |
Savings for Every Kind of Mount Vernon Driver
Based on our extensive insurance data, we know the average Mount Vernon 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 $339 per year by choosing the right vehicle insurance company. Some Mount Vernon residents are paying out over $1,450 extra every year for auto insurance in Mount Vernon. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Mount Vernon, IL Savings / Yr. |
|---|---|
$339 |
|
$637 |
|
$510 |
|
$535 |
|
$1,317 |
|
$379 |
|
$487 |
Mount Vernon Car Insurance vs. Illinois
People living in Mount Vernon pay an average of 4.01% less than the typical driver in the state. The average driver in Mount Vernon can expect to pay about $861 per year, or $1,450 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Mount Vernon for most people.
Car Insurance Prices by Mount Vernon Neighborhood
Insurance Prices
Where is insurance cheapest within Mount Vernon?
The map shows insurance prices in and around Mount Vernon, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $135 per year within the city boundaries, with insurance premiums ranging from a high of $1,526 to a low of $1,391. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northeast parts of Mount Vernon.Pick the Best Car Insurance Company for You in Mount Vernon
The best car insurance provider for most drivers in Mount Vernon
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $339 over the average Mount Vernon car insurance company.
The best car insurance provider for Mount Vernon 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 $637 over the competition.
The best car insurance company for Mount Vernon drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $510 better than other car insurance companies.
The best auto insurance for Mount Vernon drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $535 less each year.
The least expensive car insurance company for new and young drivers in Mount Vernon
In Mount Vernon, State Farm costs young drivers $1,317 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Mount Vernon
State Farm gave the largest car insurance discounts to married couples, averaging $379 saved each year compared to an average Mount Vernon couple's premiums.
The cheapest car insurance in Mount Vernon for drivers with bad credit
The best Mount Vernon car insurance company for customer service
Nationwide was the best company for customer service in Mount Vernon 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 Mount Vernon, which was better than other insurers.
The cheapest large national provider in Mount Vernon
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Mount Vernon 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 Vernon, 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 Vernon
What Influences the Cost of Car Insurance in Mount Vernon?
On average, car insurance in Mount Vernon 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 Vernon is 20 minutes, which is far 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 Vernon are among the lowest 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.
- Mount Vernon is a fairly densely populated area 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 Vernon is $72 per month for minimum coverage and $121 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
- Summersville: Insurance costs 2.69% less
- Idlewood: Insurance costs 2.48% less
- Marcoe: Insurance costs 2.34% less
- Camp Ground: Insurance costs 2.69% less
- Opdyke: Insurance costs 2.14% less
- Woodlawn: Insurance costs 3.03% less
- Bonnie: Insurance costs 1.72% less
- Dix: Insurance costs 2.69% less
- Dareville: Insurance costs 2.76% less
- Bluford: Insurance costs 1.66% less
Cities with Similar Populations
- Seffner: Insurance costs 93.93% more
- Jasmine Estates: Insurance costs 95.03% more
- Jollyville: Insurance costs 22.83% more
- Morris Plains: Insurance costs 27.10% more
- Rigby: Insurance costs 23.59% less
- Rosamond: Insurance costs 43.10% more
- Rotterdam: Insurance costs 57.72% more
- Salmon Creek: Insurance costs 1.86% more
- San Fernando: Insurance costs 68.69% more
- Sartell: Insurance costs 7.03% more