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 South Chicago Heights, IL
We monitor insurance prices, helping the average driver in South Chicago Heights save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in South Chicago Heights
The chart below shows the cheapest car insurance company in South Chicago Heights 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.
| South Chicago Heights Insurer | Monthly Cost |
|---|---|
| State Farm | $57 |
| Country Financial | $62 |
| Metromile | $68 |
| American Family Insurance | $73 |
Savings for Every Kind of South Chicago Heights Driver
Based on our extensive insurance data, we know the average South Chicago Heights 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 $399 per year by choosing the right vehicle insurance company. Some South Chicago Heights residents are paying out over $1,708 extra every year for auto insurance in South Chicago Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
South Chicago Heights, IL Savings / Yr. |
|---|---|
$399 |
|
$751 |
|
$600 |
|
$630 |
|
$1,551 |
|
$447 |
|
$573 |
South Chicago Heights Car Insurance vs. Illinois
People living in South Chicago Heights pay an average of 13.04% more than the typical driver in the state. The average driver in South Chicago Heights can expect to pay about $1,014 per year, or $1,708 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in South Chicago Heights for most people.
Car Insurance Prices by South Chicago Heights Neighborhood
Insurance Prices
Where is insurance cheapest within South Chicago Heights?
The map shows insurance prices in and around South Chicago Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $224 per year within the city boundaries, with insurance premiums ranging from a high of $1,804 to a low of $1,580. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of South Chicago Heights.Pick the Best Car Insurance Company for You in South Chicago Heights
The best car insurance provider for most drivers in South Chicago Heights
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $399 over the average South Chicago Heights car insurance company.
The best car insurance provider for South Chicago Heights 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 $751 over the competition.
The best car insurance company for South Chicago Heights drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $600 better than other car insurance companies.
The best auto insurance for South Chicago Heights drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $630 less each year.
The least expensive car insurance company for new and young drivers in South Chicago Heights
In South Chicago Heights, State Farm costs young drivers $1,551 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in South Chicago Heights
State Farm gave the largest car insurance discounts to married couples, averaging $447 saved each year compared to an average South Chicago Heights couple's premiums.
The cheapest car insurance in South Chicago Heights for drivers with bad credit
The best South Chicago Heights car insurance company for customer service
Nationwide was the best company for customer service in South Chicago Heights 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 South Chicago Heights, which was better than other insurers.
The cheapest large national provider in South Chicago Heights
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average South Chicago Heights 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 South Chicago Heights, 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 South Chicago Heights
What Influences the Cost of Car Insurance in South Chicago Heights?
On average, car insurance in South Chicago Heights 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 South Chicago Heights is 35 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in South Chicago Heights 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 C+ according to CrimeGrade.org.
- South Chicago Heights 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 South Chicago Heights is $85 per month for minimum coverage and $142 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
- Steger: Insurance costs 0.06% more
- Chicago Heights: Insurance costs 5.44% more
- Park Forest: Insurance costs 8.78% more
- Ford Heights: Insurance costs 9.31% more
- Olympia Fields: Insurance costs 12.53% more
- Crete: Insurance costs 4.33% less
- University Park: Insurance costs 9.54% more
- Sauk Village: Insurance costs 3.81% more
- Richton Park: Insurance costs 13.58% more
- Flossmoor: Insurance costs 9.89% more
Cities with Similar Populations
- Bishop: Insurance costs 0.41% more
- Verbena: Insurance costs 9.48% less
- Rockford: Insurance costs 21.31% less
- Riverton: Insurance costs 16.69% less
- Rainbow: Insurance costs 12.70% more
- Powell Butte: Insurance costs 16.16% less
- Orleans: Insurance costs 30.91% less
- New London: Insurance costs 32.20% less
- Mulberry: Insurance costs 3.16% less
- Mount Angel: Insurance costs 12.41% less