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Get Cheap Car Insurance in Phillipstown, IL
We monitor insurance prices, helping the average driver in Phillipstown save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Phillipstown
The chart below shows the cheapest car insurance company in Phillipstown 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.
| Phillipstown Insurer | Monthly Cost |
|---|---|
| State Farm | $49 |
| Country Financial | $53 |
| Metromile | $58 |
| American Family Insurance | $62 |
Savings for Every Kind of Phillipstown Driver
Based on our extensive insurance data, we know the average Phillipstown 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 $341 per year by choosing the right vehicle insurance company. Some Phillipstown residents are paying out over $1,460 extra every year for auto insurance in Phillipstown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Phillipstown, IL Savings / Yr. |
|---|---|
$341 |
|
$642 |
|
$513 |
|
$538 |
|
$1,326 |
|
$382 |
|
$490 |
Phillipstown Car Insurance vs. Illinois
People living in Phillipstown pay an average of 3.34% less than the typical driver in the state. The average driver in Phillipstown can expect to pay about $867 per year, or $1,460 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Phillipstown for most people.
Car Insurance Prices by Phillipstown Neighborhood
Insurance Prices
Where is insurance cheapest within Phillipstown?
The map shows insurance prices in and around Phillipstown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,460 to a low of $1,460. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Phillipstown.Pick the Best Car Insurance Company for You in Phillipstown
The best car insurance provider for most drivers in Phillipstown
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $341 over the average Phillipstown car insurance company.
The best car insurance provider for Phillipstown 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 $642 over the competition.
The best car insurance company for Phillipstown drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $513 better than other car insurance companies.
The best auto insurance for Phillipstown drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $538 less each year.
The least expensive car insurance company for new and young drivers in Phillipstown
In Phillipstown, State Farm costs young drivers $1,326 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Phillipstown
State Farm gave the largest car insurance discounts to married couples, averaging $382 saved each year compared to an average Phillipstown couple's premiums.
The cheapest car insurance in Phillipstown for drivers with bad credit
The best Phillipstown car insurance company for customer service
Nationwide was the best company for customer service in Phillipstown according to the NAIC.
Recent price drops
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The cheapest large national provider in Phillipstown
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Phillipstown 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 Phillipstown, 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 Phillipstown
What Influences the Cost of Car Insurance in Phillipstown?
On average, car insurance in Phillipstown 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:
- 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 Phillipstown are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Phillipstown 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 Phillipstown is $72 per month for minimum coverage and $122 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
- Crossville: Insurance costs 0.89% less
- Epworth: Insurance costs 0.41% more
- New Harmony: Insurance costs 19.59% less
- Maunie: Insurance costs 4.18% more
- Centerville: Insurance costs 1.85% less
- Savah: Insurance costs 19.38% less
- Griffin: Insurance costs 19.11% less
- Herald: Insurance costs 0.21% less
- Carmi: Insurance costs 0.07% more
- Grayville: Insurance costs 1.30% less
Cities with Similar Populations
- Snowshoe: Insurance costs 0.96% less
- Lindley: Insurance costs 20.62% more
- Little Creek: Insurance costs 105.82% more
- Little Lake: Insurance costs 30.14% more
- Littlecrab: Insurance costs 9.04% less
- Marlow: Insurance costs 6.92% more
- Martel: Insurance costs 26.44% less
- Shell Beach: Insurance costs 25.68% more
- Shepardsville: Insurance costs 18.97% less
- Sherman: Insurance costs 6.30% more