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 Spencer Heights, IL
We monitor insurance prices, helping the average driver in Spencer Heights save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Spencer Heights
The chart below shows the cheapest car insurance company in Spencer 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.
| Spencer Heights Insurer | Monthly Cost |
|---|---|
| State Farm | $51 |
| Country Financial | $55 |
| Metromile | $60 |
| American Family Insurance | $64 |
Savings for Every Kind of Spencer Heights Driver
Based on our extensive insurance data, we know the average Spencer 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 $351 per year by choosing the right vehicle insurance company. Some Spencer Heights residents are paying out over $1,504 extra every year for auto insurance in Spencer Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Spencer Heights, IL Savings / Yr. |
|---|---|
$351 |
|
$661 |
|
$528 |
|
$554 |
|
$1,365 |
|
$393 |
|
$505 |
Spencer Heights Car Insurance vs. Illinois
People living in Spencer Heights pay an average of 0.48% less than the typical driver in the state. The average driver in Spencer Heights can expect to pay about $893 per year, or $1,504 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Spencer Heights for most people.
Car Insurance Prices by Spencer Heights Neighborhood
Insurance Prices
Where is insurance cheapest within Spencer Heights?
The map shows insurance prices in and around Spencer Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $63 per year within the city boundaries, with insurance premiums ranging from a high of $1,560 to a low of $1,497. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Spencer Heights.Pick the Best Car Insurance Company for You in Spencer Heights
The best car insurance provider for most drivers in Spencer Heights
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $351 over the average Spencer Heights car insurance company.
The best car insurance provider for Spencer 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 $661 over the competition.
The best car insurance company for Spencer Heights drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $528 better than other car insurance companies.
The best auto insurance for Spencer Heights drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $554 less each year.
The least expensive car insurance company for new and young drivers in Spencer Heights
In Spencer Heights, State Farm costs young drivers $1,365 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Spencer Heights
State Farm gave the largest car insurance discounts to married couples, averaging $393 saved each year compared to an average Spencer Heights couple's premiums.
The cheapest car insurance in Spencer Heights for drivers with bad credit
The best Spencer Heights car insurance company for customer service
Nationwide was the best company for customer service in Spencer 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 Spencer Heights, which was better than other insurers.
The cheapest large national provider in Spencer Heights
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Spencer 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 Spencer 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 Spencer Heights
What Influences the Cost of Car Insurance in Spencer Heights?
On average, car insurance in Spencer Heights 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 Spencer 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 B+ according to CrimeGrade.org.
- Spencer 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 Spencer Heights is $74 per month for minimum coverage and $125 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
- Mounds: Insurance costs 0.27% less
- Villa Ridge: Insurance costs the same
- Mound City: Insurance costs 3.72% more
- North Mounds: Insurance costs the same
- Klondike: Insurance costs 3.72% more
- Pulaski: Insurance costs 0.27% more
- Cache: Insurance costs 2.13% less
- Olmsted: Insurance costs 0.40% less
- Cairo: Insurance costs 12.03% more
- Tamms: Insurance costs 0.80% less
Cities with Similar Populations
- Pecan Point: Insurance costs 13.70% more
- Obsidian: Insurance costs 28.72% less
- Old Flat Lick: Insurance costs 53.32% more
- Old Weona: Insurance costs 11.64% more
- Onawa: Insurance costs 36.64% less
- Onoto: Insurance costs 2.79% less
- Onton: Insurance costs 38.36% more
- Orland: Insurance costs 21.34% less
- Osanippa: Insurance costs 2.66% more
- Paloduro: Insurance costs 22.81% more