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 Shore, Chicago, IL
We monitor insurance prices, helping the average driver in South Shore save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in South Shore
The chart below shows the cheapest car insurance company in South Shore 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 Shore Insurer | Monthly Cost |
|---|---|
| State Farm | $69 |
| Country Financial | $75 |
| Metromile | $82 |
| American Family Insurance | $87 |
Savings for Every Kind of South Shore Driver
Based on our extensive insurance data, we know the average South Shore 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 $480 per year by choosing the right vehicle insurance company. Some South Shore residents are paying out over $2,054 extra every year for auto insurance in South Shore. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
South Shore, Chicago, IL Savings / Yr. |
|---|---|
$480 |
|
$903 |
|
$722 |
|
$757 |
|
$1,865 |
|
$537 |
|
$689 |
South Shore Car Insurance vs. Chicago
People living in South Shore pay an average of 35.96% more than the typical driver in the state. The average driver in South Shore can expect to pay about $1,220 per year, or $2,054 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in South Shore for most people.
Car Insurance Prices by South Shore Neighborhood
Insurance Prices
Where is insurance cheapest within South Shore?
The map shows insurance prices in and around South Shore, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $309 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,200 to a low of $1,891. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of South Shore.Pick the Best Car Insurance Company for You in South Shore
The best car insurance provider for most drivers in South Shore
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $480 over the average South Shore car insurance company.
The best car insurance provider for South Shore 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 $903 over the competition.
The best car insurance company for South Shore drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $722 better than other car insurance companies.
The best auto insurance for South Shore drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $757 less each year.
The least expensive car insurance company for new and young drivers in South Shore
In South Shore, State Farm costs young drivers $1,865 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in South Shore
State Farm gave the largest car insurance discounts to married couples, averaging $537 saved each year compared to an average South Shore couple's premiums.
The cheapest car insurance in South Shore for drivers with bad credit
The best South Shore car insurance company for customer service
Nationwide was the best company for customer service in South Shore 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 Shore, which was better than other insurers.
The cheapest large national provider in South Shore
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average South Shore 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 Shore, 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 Shore
What Influences the Cost of Car Insurance in South Shore?
On average, car insurance in South Shore 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 neighborhood are influenced by the following factors:
- The average commute time in South Shore is 53 minutes, which is far more than average for a driver in the city.
- 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 Shore are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- South Shore is a fairly densely populated area in the state. The neighborhood’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 South Shore is $102 per month for minimum coverage and $171 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 Neighborhoods
- Essex: Insurance costs 0.05% less
- Windsor Park: Insurance costs 0.78% more
- Avalon Park: Insurance costs 2.97% less
- Cheltenham: Insurance costs 1.75% more
- Italian Bowery: Insurance costs 1.22% less
- Woodlawn: Insurance costs 1.85% less
- South Chicago: Insurance costs 0.54% less
- Avalon Highlands: Insurance costs 2.09% less
- The Bush: Insurance costs 0.93% more
- Grand Crossing: Insurance costs 1.07% less
Neighborhoods with Similar Populations
- Seaport: Insurance costs 12.71% more
- Glendale: Insurance costs 56.33% more
- South Dorchester: Insurance costs 8.47% more
- Greater Greenspoint: Insurance costs 4.77% more
- Greater Memorial: Insurance costs 9.69% less
- Green Valley North: Insurance costs 16.94% more
- Harbor Gateway: Insurance costs 15.29% more
- Silver Lake: Insurance costs 20.79% more
- Shelby Forest-Frayser: Insurance costs 19.47% less
- South End: Insurance costs 17.09% less