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Average car insurance costs

Cities with Lowest auto insurance Rates in IllinoisDepending on where people stay, customers could possibly get recharged different rates by auto insurance organizations. How much usually difference? We looked over premiums for the two test drivers across 63 metropolitan areas and cities when you look at the state of Illinois to work this down. We found that car insurance prices may vary by 89% by location alone, involving the spot because of the greatest average yearly rates (Chicago, IL) and most affordable (typical, IL).

Most Affordable Places

All the five least expensive locations we identified are home to raised training establishments. Their particular developments as places and towns, at some time, depended regarding the railway. Per year of car insurance during these locations cost about 15 - 18per cent below the state's average yearly for the single 30 and 65 yr old male drivers. The dining table below listings the five areas on the most affordable end of spectrum, and compares their average yearly rates for our profiled motorists to your condition average.

Normal, IL

Regular is home to the Illinois State University and about 55, 000 residents. Compared to various other places and cities within research, our test motorists discovered regular to really have the least expensive expenses - 18per cent under the state average expenses. To put it differently, for the motorists, residing typical intended spending $200 less, yearly, in comparison to how much he would usually spend living in other Illinois urban centers.

Galesburg, IL

Our sample motorists in Galesburg discovered their particular auto insurance to cost 17percent lower - which equaled to a $189 difference in yearly premiums - versus typical prices in Illinois. The inventor of this Ferris Wheel, George Washington Gale Ferris, Jr., was born right here additionally the city was launched by their namesake, George Washington Gale. The creator was a Presbyterian minister who wished to build a college in which pupils could spend through manual labor, therefore developing Knox College.

Quincy, IL

Illinois’s “Gem City”, is located over the Mississippi River. This is why Quincy a river city with diverse architecture featuring German, Victorian, Mediterranean, as well as other influences. Guaranteeing our two test male drivers right here cost 16per cent lower than their state average (a $181 huge difference).

Bloomington, IL

In Bloomington, the most notable businesses included State Farm, Illinois State University, and nation Financial. Residents will enjoy various activities of activity, enjoyment, and nature for instance the Miller Park Zoo and Grady’s Family Fun Park. Prices here had been 16per cent lower set alongside the typical city within the state, which means a difference of $180 versus the typical Illinois insurance cost.

Champaign, IL

Champaign rounds out our least expensive places in Illinois for the drivers. Insurance charges found right here had been generally speaking 15% or $166 less than the common. Champaign houses 84, 000 residents, Parkland university, area of the University of Illinois at Urbana-Champaign, plus some Fortune 500 companies – rendering it the middle of the Silicon Prairie.

Priciest Places

All the metropolitan areas on expensive end can be found in Cook County and tend to be either section of or reasonably near to Chicago. Our test drivers discovered that living in one of these brilliant locations could mean ponying up 55per cent even more in insurance costs than the average within the state for our standard - for the same specific amount of insurance policy. Among the list of five most expensive places we identified, our sample motorists discovered their particular expenses become $230 to $611 more, per year, than residing elsewhere in Illinois.

Chicago, IL

The third largest city in the us in addition to most inhabited city in Illinois, Chicago may be the hub for finance, commerce, and higher education in the Chicago Metropolitan area. Apart from being densely inhabited, the Windy City has the biggest quantity of U.S. highways. Premiums for the study's motorists in Chicago had been 55per cent greater than the state average - the best in the condition. It had been maybe not also astonishing as soon as we unearthed that in Chicago, our sample motorists would need to pay 1 above he usually would residing in other IL towns for similar coverage.

Cities with finest motor insurance prices in IllinoisCicero, IL

Residence to over 84, 000 people, Cicero is a suburb of Chicago. Among Cicero's famous sons could be the vocals behind the Pillsbury’s mascot Doughboy: JoBe Cerny. Our example drivers found that they paid the 2nd highest rates right here – 37percent more than what they would usually pay should they existed in other places in Illinois. Relating to our evaluation, that means 4 huge difference annually, an average of.

Berwyn, IL

Berwyn is the 3rd most expensive town for our drivers trying to find coverage. Right here, they found prices were 28per cent higher than their state standard, that has been a 0 difference for all of them. Residents right here can enjoy annual celebrations for instance the yearly Vintage Car Show that celebrates path 66, which Berwyn’s Ogden Avenue is a part of.

Skokie, IL

a village plus a suburb of Chicago to over 65, 000, Skokie ranked fourth on our selection of most high-priced locations for auto insurance in Illinois – 27per cent over their state's typical annual cost. We found that becoming comparable to a 3 higher cost for our sample motorists. Skokie arises from the Potawatomi local American word “marsh”, since all of the town is built on a marshland.

Oak Park, IL

Although Oak Park is a suburban village home to simply 52, 000, Oak Park has already established many popular residents including McDonald’s Ray Kroc, Betty White, Iman Shumpert, and Ernest Hemingway. Our motorists here found yearly coverage is 21percent higher - more or less 1 more - than Illinois’s average cost.

Exactly how Motor Insurance Expense Is Different in Illinois by Place

We examined 63 places in Illinois inside our study and discovered hawaii's average price of auto insurance is $1, 120 annually. All else equal, our test motorists' estimates could be between 18per cent lower to 55% more than the state average based on the city they lived in. Here is a summary of most of the places in our study rated from least expensive to many pricey:

Rank City Typical Annual Price Speed percent Distinction from IL State Typical
Normal $919 -18percent
Galesburg 932 -17%
Quincy 941 -16%
Champaign 955 -15%
Urbana 961 -14per cent
Macomb 978 -13per cent
Naperville 984 -12per cent
Morton 988
10 Amazingly Lake 994 -11percent
11 Pekin 996
12 DeKalb 1, 000
13 Danville 1, 008 -10per cent
14 Wheaton 1, 012
15 Downers Grove 1, 016 -9%

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