Cheapest Car Insurance Quotes In Wicker Park, IL For 2024

State Farm is recognized as the most affordable option in Wicker Park, with an average rate of $35 per month.

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Updated: 31 March 2024
Written by
Bob Phillips
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When searching for the most affordable car insurance in Wicker Park, IL, options can vary, but State Farm stands out for its competitive rates. On average, residents can obtain car insurance for around $35 per month, significantly lower than the state’s average of $101.

For those seeking the cheapest liability-only coverage, State Farm is the clear winner. Meanwhile, drivers looking for more comprehensive protection may find that Travelers offers the best rates for full coverage policies, at $92 a month. Additionally, American Family provides the cheapest rates for young drivers, at $63 per month.

Cheapest Car Insurance Companies In Wicker Park, IL

Cheapest Car Insurance, Wicker Park, IL

Our Methodology

Utilizing a comprehensive analysis that considers multiple factors including customer service ratings, product options, pricing, and thorough evaluations of various online review sites and user experiences, I have developed a detailed understanding of the car insurance provider landscape in Wicker Park, IL. This perspective is informed by over 15 years of personal involvement in the industry as a licensed insurance agent. It incorporates countless interactions with representatives from different companies and insights gleaned from firsthand experience.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Wicker Park, IL?

State Farm provides the most affordable car insurance in Wicker Park, IL, with coverage available for $100 a month.

As illustrated in the table below, its rates are significantly lower than the average rates in both the State of Illinois and the United States as a whole:

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

Keep in mind that the average national cost considers both high-cost states (like New York, New Jersey, and California) and low-cost states (such as Mississippi, Kentucky, and Wyoming). Rates fluctuate based on various factors including vehicle type, coverage amount, zip code, driving record, and more.

Cheapest Car Insurance Rates In Wicker Park For Full Coverage

Travelers offers the most affordable car insurance rates for full coverage in Wicker Park, with average quotes at $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 provides extensive protection beyond the basic coverage required by law. It usually combines comprehensive and collision coverages.

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

Cheapest Car Insurance Rates In Wicker Park For Minimum Coverage

State Farm offers the most affordable car insurance in Wicker Park for minimum coverage, with an average monthly cost of $35.

Provider Average Monthly Cost Average Annual Cost
State Farm $35 $418
Progressive $42 $500
Travelers $43 $514
Country Financial $48 $574
American Family $49 $581

The minimum car insurance policy should include 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 provides some protection while driving, but it doesn’t include collision or comprehensive insurance. This means damages to your own vehicle in accidents or incidents like theft and natural disasters won’t be covered.

Driving without insurance is illegal in Illinois. Failing to show proof of insurance during a traffic stop can lead to penalties ranging from fines to license suspension or worse.

Cheapest Car Insurance Rates In Wicker Park For Seniors

American Family offers the most affordable car insurance rates for seniors in Wicker Park, with average quotes at $55 per month.

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, many seniors may benefit from advantageous car insurance rates, influenced by various beneficial factors. While age is often considered in insurance rate determinations, and older age may be associated with reduced driving ability in some cases, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Wicker Park For Teenagers

Teenage drivers in Wicker Park can discover the most affordable 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 behind the wheel. Insurance providers categorize these young motorists as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic infractions.

Cheapest Car Insurance Rates In Wicker Park For Young Adults

American Family provides the most affordable quotes for young adults in Wicker Park, with rates averaging 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 attributed to the maturation of driving habits and a corresponding decrease in risk-taking behaviors as drivers age.

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

Cheapest Car Insurance Rates In Wicker Park For Good Drivers

Good drivers in Wicker Park can secure the most affordable car insurance quotes from State Farm, typically around $35 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $35 $418
Progressive $42 $500
Travelers $43 $514
Country Financial $48 $574
American Family $49 $581

Drivers with clean driving records in Wicker Park usually receive lower car insurance rates because they’re viewed as lower risk by insurance companies. Insurers utilize driving records to assess how safely someone drives. Fewer incidents, such as accidents or traffic violations, indicate that the driver is cautious and less likely to file a claim.

Since insurance rates are based on the likelihood of a driver making a claim, a pristine driving record can result in substantial savings on premiums. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and thus, the lower the insurance cost.

Cheapest Car Insurance Rates In Wicker Park For Drivers With Prior Incidents

In Wicker Park, drivers with records of traffic violations, including accidents, speeding tickets, or DUIs, frequently encounter challenges in securing affordable car insurance. Such driving infractions lead insurance companies to categorize them as high-risk, which implies a greater likelihood of filing future insurance claims.

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

Cheapest Car Insurance Rates In Wicker Park For Drivers With A Speeding Ticket

State Farm is significantly cheaper compared to other companies, with average rates 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 Wicker Park 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 Wicker Park For Drivers After A DUI

Travelers stands out as the company with the most affordable rates for drivers after a DUI in Wicker Park, offering 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 Wicker Park

For drivers in Wicker Park, selecting the right car insurance company involves finding both affordable rates and reliable protection on the road. Below are the top 10 car insurance companies in Wicker Park, 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 Wicker Park

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

Age plays a significant role in determining car insurance rates. Typically, younger drivers, especially teens and young adults, encounter higher insurance premiums due to their inexperience and statistically higher likelihood of accidents and traffic violations. As drivers approach the age of 25, their rates generally begin to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, which impacts the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Wicker Park

Vehicle Average Monthly Rate
Kia Forte $80
Ford Five Hundred $72
Chevrolet Malibu $142
Volkswagen Tiguan $103
Dodge Charger $237

The type of vehicle you drive has a significant impact on your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Generally, 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 consider these factors because they directly affect the potential cost of claims – for example, repairs for a high-end car are typically 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
Romeoville $100
Evanston $95
Joliet $101
Naperville $92
Aurora $97
Bartlett $100
Bloomington $86
Carol Stream $100
Champaign $81
Chicago $122

The city where you live has a significant impact on your car insurance rates. Insurance companies evaluate various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates. These factors are typically higher in urban areas, leading to increased risk and higher premiums.

FAQs

Who has the lowest car insurance rates in Wicker Park?

In Wicker Park, the lowest car insurance rates are provided by State Farm for the minimum coverage required by the State of Illinois, and by Travelers for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Wicker Park?

The average cost of car insurance in Wicker Park 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 variables.

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