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 Sherrard, IL
We monitor insurance prices, helping the average driver in Sherrard save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Sherrard
The chart below shows the cheapest car insurance company in Sherrard 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.
| Sherrard Insurer | Monthly Cost |
|---|---|
| State Farm | $48 |
| Country Financial | $52 |
| Metromile | $57 |
| American Family Insurance | $61 |
Savings for Every Kind of Sherrard Driver
Based on our extensive insurance data, we know the average Sherrard 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 $335 per year by choosing the right vehicle insurance company. Some Sherrard residents are paying out over $1,432 extra every year for auto insurance in Sherrard. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Sherrard, IL Savings / Yr. |
|---|---|
$335 |
|
$629 |
|
$503 |
|
$528 |
|
$1,300 |
|
$374 |
|
$481 |
Sherrard Car Insurance vs. Illinois
People living in Sherrard pay an average of 5.22% less than the typical driver in the state. The average driver in Sherrard can expect to pay about $850 per year, or $1,432 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Sherrard for most people.
Car Insurance Prices by Sherrard Neighborhood
Insurance Prices
Where is insurance cheapest within Sherrard?
The map shows insurance prices in and around Sherrard, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $48 per year within the city boundaries, with insurance premiums ranging from a high of $1,458 to a low of $1,410. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Sherrard.Pick the Best Car Insurance Company for You in Sherrard
The best car insurance provider for most drivers in Sherrard
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $335 over the average Sherrard car insurance company.
The best car insurance provider for Sherrard 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 $629 over the competition.
The best car insurance company for Sherrard drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $503 better than other car insurance companies.
The best auto insurance for Sherrard drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $528 less each year.
The least expensive car insurance company for new and young drivers in Sherrard
In Sherrard, State Farm costs young drivers $1,300 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Sherrard
State Farm gave the largest car insurance discounts to married couples, averaging $374 saved each year compared to an average Sherrard couple's premiums.
The cheapest car insurance in Sherrard for drivers with bad credit
The best Sherrard car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Sherrard, which was better than other insurers.
The cheapest large national provider in Sherrard
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Sherrard 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 Sherrard, 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 Sherrard
What Influences the Cost of Car Insurance in Sherrard?
On average, car insurance in Sherrard 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 Sherrard is 32 minutes, which is about the national 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 Sherrard are higher 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.
- Sherrard is a lightly populated area 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 Sherrard is $71 per month for minimum coverage and $119 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
- Cable: Insurance costs 1.05% more
- Preemption: Insurance costs 1.33% less
- Matherville: Insurance costs 4.12% more
- Warner: Insurance costs 1.75% less
- Opheim: Insurance costs 1.33% less
- Lynn Center: Insurance costs 0.35% less
- Sunny Hill Estates: Insurance costs 1.89% less
- Windsor Mercer County: Insurance costs 1.26% less
- New Windsor: Insurance costs 1.05% less
- Viola: Insurance costs 0.70% less
Cities with Similar Populations
- Velarde: Insurance costs 10.20% more
- Danbury: Insurance costs 13.34% less
- Dawson: Insurance costs 0.56% less
- Denton: Insurance costs 4.75% less
- DeSoto: Insurance costs 15.50% less
- Divernon: Insurance costs 1.26% less
- Dixmont: Insurance costs 33.45% less
- Dongola: Insurance costs 1.12% more
- Dover: Insurance costs 90.78% more
- Dulac: Insurance costs 112.64% more