Bolingbrook, IL Car Insurance

What should residents of Bolingbrook expect to pay for their car insurance? Are rates in Bolingbrook higher or lower than those in neighboring areas? How do they compare to the rest of Illinois? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Bolingbrook?

As you can tell by looking at the chart above, auto insurance rates in Bolingbrook are about the same as the rest of Illinois.

Drivers relocating from out of state may enjoy some cost savings in Bolingbrook. You can expect to pay about $30 below the national average for auto insurance in Bolingbrook.

Bear in mind that while these rates represent the expected monthly payments for residents of Bolingbrook, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down average rates for Bolingbrook residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may start to rise again in Bolingbrook.

Average Car Insurance Rates by Gender

Car insurance rates for women are generally cheaper than they are for men. In Bolingbrook, however, the difference in monthly policy premiums is minimal.

Average Auto Insurance Rates by Driving Record

Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Bolingbrook, drivers with one accident on their record will experience rates around $70 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $62 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Bolingbrook, with drivers paying around $44 per month for insurance coverage.

SUV drivers will see rates of about $45 for insurance coverage, while car owners usually pay around $53 a month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Bolingbrook, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in Bolingbrook can be as much as $19 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Bolingbrook. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Bolingbrook, IL

Recent trends in car insurance for Bolingbrook drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

Car insurance rates in Bolingbrook rose from 2017-2018, when they reached a high of $69. This trend changed in 2021, when they began to decrease, and have continued to do so through the present, when rates hit a low of $34 per month.

How does Bolingbrook compare to neighboring areas?

Why are car insurance rates in Bolingbrook different from other areas?

Car insurance companies will take into account many factors when figuring out how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:

• Road Safety (frequency of car accidents)
• Number of drivers
• Community regulations
• Crime
• Amount of off-street parking

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Bolingbrook?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Bolingbrook in no time.

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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 age and gender, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Bolingbrook different from other neighboring cities?

Parking situations, crime rates, and local laws -- 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 car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Bolingbrook?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bolingbrook or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?