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Get Cheap Car Insurance in Oak Brook, IL
We monitor insurance prices, helping the average driver in Oak Brook save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Oak Brook
The chart below shows the cheapest car insurance company in Oak Brook 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.
| Oak Brook Insurer | Monthly Cost |
|---|---|
| State Farm | $54 |
| Country Financial | $59 |
| Metromile | $64 |
| American Family Insurance | $69 |
Savings for Every Kind of Oak Brook Driver
Based on our extensive insurance data, we know the average Oak Brook 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 $377 per year by choosing the right vehicle insurance company. Some Oak Brook residents are paying out over $1,614 extra every year for auto insurance in Oak Brook. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oak Brook, IL Savings / Yr. |
|---|---|
$377 |
|
$709 |
|
$567 |
|
$595 |
|
$1,465 |
|
$422 |
|
$541 |
Oak Brook Car Insurance vs. Illinois
People living in Oak Brook pay an average of 6.80% more than the typical driver in the state. The average driver in Oak Brook can expect to pay about $958 per year, or $1,614 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Oak Brook for most people.
Car Insurance Prices by Oak Brook Neighborhood
Insurance Prices
Where is insurance cheapest within Oak Brook?
The map shows insurance prices in and around Oak Brook, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $243 per year within the city boundaries, with insurance premiums ranging from a high of $1,699 to a low of $1,456. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of Oak Brook.Pick the Best Car Insurance Company for You in Oak Brook
The best car insurance provider for most drivers in Oak Brook
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $377 over the average Oak Brook car insurance company.
The best car insurance provider for Oak Brook 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 $709 over the competition.
The best car insurance company for Oak Brook drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $567 better than other car insurance companies.
The best auto insurance for Oak Brook drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $595 less each year.
The least expensive car insurance company for new and young drivers in Oak Brook
In Oak Brook, State Farm costs young drivers $1,465 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oak Brook
State Farm gave the largest car insurance discounts to married couples, averaging $422 saved each year compared to an average Oak Brook couple's premiums.
The cheapest car insurance in Oak Brook for drivers with bad credit
The best Oak Brook car insurance company for customer service
Recent price drops
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The cheapest large national provider in Oak Brook
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Oak Brook 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 Oak Brook, 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 Oak Brook
What Influences the Cost of Car Insurance in Oak Brook?
On average, car insurance in Oak Brook 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 Oak Brook is 36 minutes, which is a little more than average for a driver in the state.
- Illinois state insurance regulations may allow for lower prices.
- An average of 7 to 8 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Oak Brook are about 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 A- according to CrimeGrade.org.
- Oak Brook 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 Oak Brook is $80 per month for minimum coverage and $134 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
- Oakbrook Terrace: Insurance costs 2.79% more
- Clarendon Hills: Insurance costs 2.29% less
- Westmont: Insurance costs 0.12% less
- Villa Park: Insurance costs 0.99% less
- Lombard: Insurance costs 1.36% less
- Western Springs: Insurance costs 1.67% less
- Hillside: Insurance costs 14.31% more
- Elmhurst: Insurance costs 0.93% less
- Westchester: Insurance costs 6.88% more
- Hinsdale: Insurance costs 0.81% less
Cities with Similar Populations
- Wonder Lake: Insurance costs 13.26% less
- Arizona City: Insurance costs 10.04% more
- Asbury Lake: Insurance costs 50.00% more
- York: Insurance costs 14.62% less
- Atherton: Insurance costs 25.90% more
- Attalla: Insurance costs 6.07% less
- Wright City: Insurance costs 12.76% more
- Woodstock: Insurance costs 28.25% more
- Woodbine: Insurance costs 14.06% more
- Wood-Ridge: Insurance costs 21.93% more