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Get Cheap Car Insurance in University Park, IL
We monitor insurance prices, helping the average driver in University Park save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in University Park
The chart below shows the cheapest car insurance company in University Park 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.
| University Park Insurer | Monthly Cost |
|---|---|
| State Farm | $63 |
| Country Financial | $68 |
| Metromile | $74 |
| American Family Insurance | $80 |
Savings for Every Kind of University Park Driver
Based on our extensive insurance data, we know the average University Park 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 $437 per year by choosing the right vehicle insurance company. Some University Park residents are paying out over $1,871 extra every year for auto insurance in University Park. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
University Park, IL Savings / Yr. |
|---|---|
$437 |
|
$822 |
|
$657 |
|
$690 |
|
$1,699 |
|
$489 |
|
$628 |
University Park Car Insurance vs. Illinois
People living in University Park pay an average of 23.80% more than the typical driver in the state. The average driver in University Park can expect to pay about $1,110 per year, or $1,871 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in University Park for most people.
Car Insurance Prices by University Park Neighborhood
Insurance Prices
Where is insurance cheapest within University Park?
The map shows insurance prices in and around University Park, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $545 per year within the city boundaries, with insurance premiums ranging from a high of $2,012 to a low of $1,467. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of University Park.Pick the Best Car Insurance Company for You in University Park
The best car insurance provider for most drivers in University Park
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $437 over the average University Park car insurance company.
The best car insurance provider for University Park 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 $822 over the competition.
The best car insurance company for University Park drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $657 better than other car insurance companies.
The best auto insurance for University Park drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $690 less each year.
The least expensive car insurance company for new and young drivers in University Park
In University Park, State Farm costs young drivers $1,699 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in University Park
State Farm gave the largest car insurance discounts to married couples, averaging $489 saved each year compared to an average University Park couple's premiums.
The cheapest car insurance in University Park for drivers with bad credit
The best University Park car insurance company for customer service
Nationwide was the best company for customer service in University Park according to the NAIC.
Recent price drops
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The cheapest large national provider in University Park
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average University Park 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 University Park, 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 University Park
What Influences the Cost of Car Insurance in University Park?
On average, car insurance in University Park 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 University Park is 42 minutes, which is far 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 University Park 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 A according to CrimeGrade.org.
- University Park 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 University Park is $93 per month for minimum coverage and $156 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
- Park Forest: Insurance costs 0.69% less
- Steger: Insurance costs 8.66% less
- Richton Park: Insurance costs 3.69% more
- South Chicago Heights: Insurance costs 8.71% less
- Crete: Insurance costs 12.67% less
- Monee: Insurance costs 19.19% less
- Goodenow: Insurance costs 23.62% less
- Olympia Fields: Insurance costs 2.73% more
- Chicago Heights: Insurance costs 3.74% less
- Matteson: Insurance costs 0.27% more
Cities with Similar Populations
- Wilmington Manor: Insurance costs 12.61% more
- Grant: Insurance costs 49.87% more
- Grass Lake: Insurance costs 42.70% more
- Grayling: Insurance costs 48.37% more
- Great Barrington: Insurance costs 20.26% less
- Green Knoll: Insurance costs 2.57% less
- Greensburg: Insurance costs 14.70% more
- Winfield: Insurance costs 2.03% less
- Windber: Insurance costs 27.31% less
- Winchester: Insurance costs 36.61% less