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Get Cheap Car Insurance in Stickney, IL

We monitor insurance prices, helping the average driver in Stickney save up to 28.8% on car insurance.

 

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The Cheapest Minimum Coverage in Stickney

The chart below shows the cheapest car insurance company in Stickney 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.

 
Stickney Insurer Monthly Cost
State Farm $61
Country Financial $66
Metromile $72
American Family Insurance $78

Savings for Every Kind of Stickney Driver

The table shows how much the average auto insurance customer in Stickney might save by following our recommendations.

Based on our extensive insurance data, we know the average Stickney 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 $426 per year by choosing the right vehicle insurance company. Some Stickney residents are paying out over $1,822 extra every year for auto insurance in Stickney. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Stickney, IL Savings / Yr.
Drivers with good records
$426
Drivers with accidents
$801
Drivers with speeding tickets
$640
Drivers with a DUI conviction
$672
Young drivers
$1,655
Married drivers
$476
Drivers with bad credit
$612

Stickney Car Insurance vs. Illinois

People living in Stickney pay an average of 20.61% more than the typical driver in the state. The average driver in Stickney can expect to pay about $1,082 per year, or $1,822 for full coverage.

Based on our analysis, Lighthouse will be the cheapest provider in Stickney for most people.

Car Insurance Prices by Stickney Neighborhood

Stickney, IL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Stickney?

The map shows insurance prices in and around Stickney, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $235 per year within the city boundaries, with insurance premiums ranging from a high of $1,939 to a low of $1,704. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northeast parts of Stickney.

Pick the Best Car Insurance Company for You in Stickney

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Stickney insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Stickney

For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $426 over the average Stickney car insurance company.

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We use the average good driver, paying $116 per month, as our baseline for pricing in Stickney. State Farm, Lighthouse, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Stickney drivers with accidents on their records

In Stickney getting into an accident will raise premiums an average 34% for a yearly cost of $2,778. That's $955 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Country Financial, and Metromile are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $801 over the competition.

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The best car insurance company for Stickney drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $640 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Stickney, tickets raise premiums on new quotes about $660. If you have a speeding ticket, we recommend State Farm, Geico, and Country Financial for savings that beat the average insurance cost of $2,482 per year.

The best auto insurance for Stickney drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,750 per year in auto insurance premiums, which was $928 more than a driver with no major issues. State Farm, Kemper, and Country Financial penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $672 less each year.

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The least expensive car insurance company for new and young drivers in Stickney

In Stickney, State Farm costs young drivers $1,655 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 68% more for insurance than more mature drivers in Stickney. With an average cost of $5,747 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Country Financial try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Stickney

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $158. State Farm, Travelers, and Country Financial provided the largest discounts to couples living in Stickney.

State Farm gave the largest car insurance discounts to married couples, averaging $476 saved each year compared to an average Stickney couple's premiums.

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The cheapest car insurance in Stickney for drivers with bad credit

People with poor credit saved an average of $612 with Country Financial.

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Many people are surprised that their poor credit score can cost them an average of $1,140 every year. Premiums for people with poor credit were about $2,962 in Stickney. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Nationwide, and Country Financial.

The best Stickney car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Stickney, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Stickney.

Nationwide was the best company for customer service in Stickney according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Stickney, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Stickney. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Stickney

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 20% of Stickney residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Stickney driver can expect to pay about $98 per month.

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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 Stickney, 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.
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Auto Insurance Prices in and Around Stickney

What Influences the Cost of Car Insurance in Stickney?

On average, car insurance in Stickney 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 Stickney 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 13 to 14 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Stickney are lower than average 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 F according to CrimeGrade.org.
  • Stickney 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 Stickney is $90 per month for minimum coverage and $152 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

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* Who is the average Stickney driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Stickney with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.