Cheapest Car Insurance Quotes In Bartlett, IL For 2024

State Farm is the most affordable choice in Bartlett, offering an average monthly rate of $37.

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Updated: 03 May 2024
Written by Bob Phillips
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When searching for the most budget-friendly car insurance in Bartlett, IL, the choices can differ significantly, but there’s one company that shines for its competitive pricing: State Farm. On average, locals can obtain car insurance for approximately $37 monthly, notably below the state’s average of $101.

For individuals in need of the most economical liability-only coverage, State Farm is the top choice. Conversely, those desiring more extensive protection discover that Travelers provides the best rates for full coverage policies, priced at $92 per month. While American Family presents the most affordable rates for young drivers, coming in at $63 monthly.

Cheapest Car Insurance Companies In Bartlett, IL

Cheapest Car Insurance, Bartlett, IL

Our Methodology

Utilizing a comprehensive analysis that considers numerous factors including customer service ratings, product offerings, pricing, and a thorough examination of various online review platforms and user feedback, I've developed a detailed understanding of the car insurance provider landscape in Bartlett, IL. This perspective is informed by over 15 years of direct involvement in the industry as a licensed insurance agent, involving numerous interactions with representatives from different companies, as well as insights gained from firsthand experiences.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Bartlett, IL?

GEICO provides the most affordable car insurance in Bartlett, IL, with coverage available for $100 per month.

Comparing its rates to the averages across Illinois and the entire United States, prices stand significantly lower, as illustrated in the table below:

Area Average Monthly Rate
National $152
Illinois $101
Bartlett, IL $100

It’s important to note that the average national cost considers a wide range of states, from high-cost ones like New York, New Jersey, and California, to low-cost ones like Mississippi, Kentucky, and Wyoming. Rates vary by location due to numerous factors, including vehicle type, coverage amount, zip code, driving history, and more.

Cheapest Car Insurance Rates In Bartlett For Seniors

American Family offers car insurance quotes averaging $55 per month, making it the most affordable option for seniors in Bartlett.

Provider Average Monthly Cost Average Annual Cost
American Family $55 $658
GEICO $92 $1,095
Progressive $93 $1,107
State Farm $101 $1,213
Mercury $104 $1,249

In Illinois, seniors may discover favorable car insurance rates influenced by various beneficial factors. While age often plays a role in insurance rate calculations, with older age sometimes linked to reduced driving ability, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Bartlett For Minimum Coverage

State Farm offers the most affordable car insurance for minimum coverage in Bartlett, with an average monthly cost of $37.

Provider Average Monthly Cost Average Annual Cost
State Farm $37 $439
Progressive $42 $500
Travelers $43 $514
Country Financial $48 $574
American Family $49 $581
The minimum car insurance policy should have at least the following:
  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $20,000 for property damage per accident

Having minimum car insurance offers some protection while driving, but it doesn’t include collision or comprehensive insurance. This means damages to your own vehicle from accidents, theft, or natural disasters aren’t covered.

In Illinois, driving without insurance is illegal. If you can’t provide proof of insurance during a traffic stop, you could face penalties such as fines, license suspension, or other consequences.

Cheapest Car Insurance Rates In Bartlett For Full Coverage

Travelers offers the most affordable car insurance rates for full coverage in Bartlett, with average quotes of $92 per month.

Provider Average Monthly Cost Average Annual Cost
Travelers $92 $1,286
GEICO $184 $2,206
Country Financial $133 $1,594
Allstate $238 $2,854
State Farm $111 $1,326

Full coverage car insurance offers comprehensive protection that extends beyond the basic coverage required by law. It typically combines comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents like theft, vandalism, or natural disasters. Collision coverage provides financial protection for vehicle damage resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Bartlett For Good Drivers

State Farm offers the most affordable car insurance quotes for good drivers in Bartlett, typically around $37 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $37 $439
Progressive $42 $500
Travelers $43 $514
Country Financial $48 $574
American Family $49 $581

Drivers with clean driving records in Bartlett often receive lower car insurance rates because they are viewed as lower-risk individuals. Insurance companies use driving records to assess how safely a person drives. Fewer incidents such as accidents or traffic violations indicate that the driver is cautious and less likely to file a claim.

Insurance premiums are based on the likelihood of a driver making a claim. Therefore, a spotless driving record can result in substantial savings on premiums. It all comes down to risk assessment – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Bartlett For Young Adults

American Family provides the most affordable quotes for young adults in Bartlett, typically around $63 per month.

Provider Average Monthly Cost Average Annual Cost
American Family $63 $754
GEICO $95 $1,138
Erie $110 $1,318
Allstate $135 $1,618
Travelers $85 $1,018

In Illinois, young adult drivers usually enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a corresponding decrease in risky behaviors as drivers mature.

Statistically, young adults are less likely to file claims with insurance companies, indicating a reduction in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Bartlett For Teenagers

Teenage drivers in Bartlett can obtain the most budget-friendly quotes from Country Financial, with average monthly premiums of $313.

Provider Average Monthly Cost Average Annual Cost
Country Financial $313 $3,741
Travelers $319 $3,832
State Farm $327 $3,921
GEICO $354 $4,112
Allstate $380 $4,591

Teenage drivers typically encounter the highest car insurance premiums, primarily due to their lack of experience on the road. Insurance providers classify these young drivers as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.

Cheapest Car Insurance Rates In Bartlett For Drivers With Prior Incidents

In Bartlett, drivers with records of traffic violations, such as accidents, speeding, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions lead insurance companies to categorize them as high-risk, indicating a higher likelihood of filing future insurance claims.

As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Bartlett For Drivers With A Speeding Ticket

State Farm offers comparatively low rates compared to other companies, with average premiums of $120 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $120 $1,438
Travelers $137 $1,642
Geico $217 $2,602
Allstate $315 $3,778
Progressive $270 $3,238

Cheapest Car Insurance Rates In Bartlett For Drivers With An At-Fault Accident

State Farm provides the most affordable car insurance quotes for drivers with an at-fault incident, averaging around $132 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $132 $1,582
Travelers $152 $1,822
Geico $298 $3,574
Progressive $322 $3,862
Allstate $444 $5,326

Cheapest Car Insurance Rates In Bartlett For Drivers After A DUI

Travelers offers the lowest rates for drivers with a DUI in Bartlett, with average monthly premiums of $188.

Provider Average Monthly Cost Average Annual Cost
Travelers $188 $2,319
State Farm $269 $3,286
Progressive $227 $2,722
Geico $337 $4,042
Farmers $407 $5,059

Best Car Insurance Companies In Bartlett

When selecting a car insurance company in Bartlett, it’s essential to consider both affordable rates and dependable protection on the road. Below are the top 10 car insurance companies in Bartlett, IL, ranked by the average monthly rate they offer.

Company Monthly Premium
Dairyland $83
Direct Auto $90
Perkin $93
Secura $101
Country $101
State Farm $103
Esurance $108
Mercury $109
Auto-Owners $118
Rockford Mutual $120

Average Car Insurance Rates By Age In Bartlett

Age Average Yearly Rate
Teenagers $2,578
20s $1,414
30s $1,078
40s $970
50s $1,066
60s $838
70s $1,126

Age significantly influences car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their inexperience and statistically higher chances of accidents and traffic violations. As drivers approach the age of 25, their rates typically begin to decline, assuming they maintain a clean driving record.

The most favorable insurance rates are often available for drivers in their 50s and early 60s. Insurance companies utilize age as a measure to assess driving experience and risk potential, thereby adjusting the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Bartlett

Vehicle Average Monthly Rate
Ford Focus $67
BMW X5 $57
Honda Civic $100
Buick Envision $58
Toyota Supra $145

The type of vehicle you drive significantly impacts your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may have lower premiums. Insurers assess these aspects because they directly affect the potential cost of claims – for example, repairs for a high-end car are generally more expensive than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Illinois?

City Average Monthly Rate
Wicker Park $100
Evanston $95
Joliet $101
Naperville $92
Aurora $97
Romeoville $100
Bloomington $86
Carol Stream $100
Champaign $81
Chicago $122

The city where you live has a substantial influence on your car insurance rates. Insurance companies evaluate several factors associated with your location, including the likelihood of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk frequently results in higher premiums.

FAQs

Who has the lowest car insurance rates in Bartlett?

State Farm provides the lowest car insurance rates in Bartlett for the minimum coverage required by the State of Illinois, while Travelers offers the lowest rates for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Bartlett?

The average cost of car insurance in Bartlett is approximately $100 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.

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