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Get Cheap Car Insurance in Vernon Hills, IL
We monitor insurance prices, helping the average driver in Vernon Hills save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Vernon Hills
The chart below shows the cheapest car insurance company in Vernon Hills 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.
| Vernon Hills Insurer | Monthly Cost |
|---|---|
| State Farm | $54 |
| Country Financial | $59 |
| Metromile | $64 |
| American Family Insurance | $69 |
Savings for Every Kind of Vernon Hills Driver
Based on our extensive insurance data, we know the average Vernon Hills 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 $379 per year by choosing the right vehicle insurance company. Some Vernon Hills residents are paying out over $1,621 extra every year for auto insurance in Vernon Hills. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Vernon Hills, IL Savings / Yr. |
|---|---|
$379 |
|
$712 |
|
$570 |
|
$598 |
|
$1,472 |
|
$424 |
|
$544 |
Vernon Hills Car Insurance vs. Illinois
People living in Vernon Hills pay an average of 7.29% more than the typical driver in the state. The average driver in Vernon Hills can expect to pay about $962 per year, or $1,621 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Vernon Hills for most people.
Car Insurance Prices by Vernon Hills Neighborhood
Insurance Prices
Where is insurance cheapest within Vernon Hills?
The map shows insurance prices in and around Vernon Hills, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $298 per year within the city boundaries, with insurance premiums ranging from a high of $1,745 to a low of $1,447. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the East parts of Vernon Hills.Pick the Best Car Insurance Company for You in Vernon Hills
The best car insurance provider for most drivers in Vernon Hills
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $379 over the average Vernon Hills car insurance company.
The best car insurance provider for Vernon Hills 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 $712 over the competition.
The best car insurance company for Vernon Hills drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $570 better than other car insurance companies.
The best auto insurance for Vernon Hills drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $598 less each year.
The least expensive car insurance company for new and young drivers in Vernon Hills
In Vernon Hills, State Farm costs young drivers $1,472 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Vernon Hills
State Farm gave the largest car insurance discounts to married couples, averaging $424 saved each year compared to an average Vernon Hills couple's premiums.
The cheapest car insurance in Vernon Hills for drivers with bad credit
The best Vernon Hills car insurance company for customer service
Nationwide was the best company for customer service in Vernon Hills according to the NAIC.
Recent price drops
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The cheapest large national provider in Vernon Hills
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Vernon Hills 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 Vernon Hills, 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 Vernon Hills
What Influences the Cost of Car Insurance in Vernon Hills?
On average, car insurance in Vernon Hills 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 Vernon Hills 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 Vernon Hills are about 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 A according to CrimeGrade.org.
- Vernon Hills 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 Vernon Hills is $80 per month for minimum coverage and $135 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
- Indian Creek: Insurance costs 1.23% more
- Mundelein: Insurance costs 2.10% less
- Mettawa: Insurance costs 11.17% less
- Long Grove: Insurance costs 1.54% more
- Libertyville: Insurance costs 8.45% less
- Lincolnshire: Insurance costs 5.24% less
- Hawthorn Woods: Insurance costs 4.81% less
- Buffalo Grove: Insurance costs 1.48% more
- Green Oaks: Insurance costs 7.22% less
- Bannockburn: Insurance costs 9.25% less
Cities with Similar Populations
- Patterson: Insurance costs 27.95% more
- Maineville: Insurance costs 29.43% less
- Maitland: Insurance costs 58.67% more
- Malvern: Insurance costs 14.19% less
- Marina: Insurance costs 26.34% more
- Mason City: Insurance costs 25.29% less
- Menasha: Insurance costs 33.19% less
- Middletown: Insurance costs 10.92% more
- Owatonna: Insurance costs 5.24% less
- Pacific Palisades: Insurance costs 39.48% more