Table of contents
How much is car insurance in Bolingbrook?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Bolingbrook as it does in the rest of Illinois.
If you're thinking of moving to Bolingbrook from out of state, you may still be in luck. On average, it's about $29 less to insure your vehicle in Bolingbrook than it is in the rest of the United States.
Bear in mind that while these rates represent the expected monthly payments for Bolingbrook drivers, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Bolingbrook and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates rise again in Bolingbrook.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The price for car insurance in Bolingbrook, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Bolingbrook with a single accident on their record will usually see rates around $71 a month. In addition, drivers with a single ticket on their record can expect to pay around $46 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$55|
In Bolingbrook, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $45 per month for auto insurance.
Car owners can expect to pay an average of around $53 a month for their policy, while SUVs usually cost around $46 a month to insure.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Bolingbrook, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
In Bolingbrook, the difference in rates based on relationship status can be as much as $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Bolingbrook, expect to pay around $3 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Bolingbrook, IL
Recent trends in car insurance for Bolingbrook drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Auto insurance rates in Bolingbrook reached a low of $44 in 2017 and a high of $69 in 2018. Otherwise, drivers paid about the same rate from 2016 to 2021.
How does Bolingbrook compare to neighboring areas?
Why are car insurance rates in Bolingbrook different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:
- Off-street parking access
- Community laws
- Rate of crime
- Rate of car accidents
- Amount of drivers in the region
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Bolingbrook?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies providing coverage in Bolingbrook.
Bolingbrook Insurance FAQs
What factors affect car insurance quotes in Bolingbrook?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Bolingbrook different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Bolingbrook?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bolingbrook?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Bolingbrook or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.