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Get Cheap Car Insurance in North Utica, IL
We monitor insurance prices, helping the average driver in North Utica save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in North Utica
The chart below shows the cheapest car insurance company in North Utica 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.
| North Utica Insurer | Monthly Cost |
|---|---|
| State Farm | $48 |
| Country Financial | $52 |
| Metromile | $56 |
| American Family Insurance | $60 |
Savings for Every Kind of North Utica Driver
Based on our extensive insurance data, we know the average North Utica 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 $331 per year by choosing the right vehicle insurance company. Some North Utica residents are paying out over $1,417 extra every year for auto insurance in North Utica. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
North Utica, IL Savings / Yr. |
|---|---|
$331 |
|
$623 |
|
$498 |
|
$522 |
|
$1,286 |
|
$370 |
|
$475 |
North Utica Car Insurance vs. Illinois
People living in North Utica pay an average of 6.23% less than the typical driver in the state. The average driver in North Utica can expect to pay about $841 per year, or $1,417 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in North Utica for most people.
Car Insurance Prices by North Utica Neighborhood
Insurance Prices
Where is insurance cheapest within North Utica?
The map shows insurance prices in and around North Utica, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $3 per year within the city boundaries, with insurance premiums ranging from a high of $1,419 to a low of $1,416. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of North Utica.Pick the Best Car Insurance Company for You in North Utica
The best car insurance provider for most drivers in North Utica
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $331 over the average North Utica car insurance company.
The best car insurance provider for North Utica 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 $623 over the competition.
The best car insurance company for North Utica drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $498 better than other car insurance companies.
The best auto insurance for North Utica drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $522 less each year.
The least expensive car insurance company for new and young drivers in North Utica
In North Utica, State Farm costs young drivers $1,286 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in North Utica
State Farm gave the largest car insurance discounts to married couples, averaging $370 saved each year compared to an average North Utica couple's premiums.
The cheapest car insurance in North Utica for drivers with bad credit
The best North Utica car insurance company for customer service
Nationwide was the best company for customer service in North Utica according to the NAIC.
Recent price drops
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The cheapest large national provider in North Utica
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average North Utica 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 North Utica, 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 North Utica
What Influences the Cost of Car Insurance in North Utica?
On average, car insurance in North Utica 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 North Utica is 28 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 North Utica are among the highest 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.
- North Utica 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 North Utica is $70 per month for minimum coverage and $118 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
- Utica: Insurance costs 1.20% less
- Lasalle: Insurance costs 1.20% more
- Oglesby: Insurance costs 0.42% more
- Tomahawk Bluff: Insurance costs 2.96% less
- Peru: Insurance costs 1.48% less
- Naplate: Insurance costs 2.96% less
- Cedar Point: Insurance costs 1.48% less
- Tonica: Insurance costs 2.05% less
- Dalzell: Insurance costs 3.60% less
- Troy Grove: Insurance costs 0.99% less
Cities with Similar Populations
- East Ellijay: Insurance costs 18.84% more
- St. Elmo: Insurance costs 90.83% more
- South Coffeyville: Insurance costs 20.82% more
- Fort Valley: Insurance costs 17.08% less
- Fanning Springs: Insurance costs 69.16% more
- Fall Creek: Insurance costs 3.39% less
- Elizabeth: Insurance costs 0.28% less
- East Springfield: Insurance costs 2.33% less
- East Saugatuck: Insurance costs 84.40% more
- Stites: Insurance costs 21.03% less