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How much is car insurance in Calumet City?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Calumet City is about $11 a month more expensive than the rest of Illinois.
On the flip side, car insurance rates in Calumet City are more affordable than the national average. It's around $21 less to insure your vehicle compared to the average rate for the United States as a whole.
While these numbers are the average rates for auto insurance in Calumet City, that doesn't mean it'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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
But don't worry, we've broken down the average rates for Calumet City residents based on several different factors 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, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Calumet City may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Calumet City, the difference is around $9 per month. Based on the chart above, you can see that female drivers pay around $55 on average, while male drivers typically pay $64 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Calumet City, a driving record with a single accident will usually get you a rate around $50 a month. In addition, drivers with one ticket can expect to pay around $88 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$53|
The cheapest vehicles to insure in Calumet City are by and large trucks and vans, with each type typically costing about $50 per month.
Car owners, on the other hand, usually pay around $61 a month, while SUV drivers can expect to pay about $59 per month for insurance coverage.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Calumet City are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
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 that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Calumet City, with married couples paying about $16 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $5 a month more than drivers who own property in Calumet City. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Calumet City, IL
Recent trends in car insurance for Calumet City 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.
Car insurance rates in Calumet City rose from 2017-2018, when they hit a high of $72. This pattern leveled out in 2021, when they began to decrease, and have continued on that road through the present, where rates finished at $43 a month.
How does Calumet City compare to neighboring areas?
Why are car insurance rates in Calumet City different from other areas?
Car insurance companies will take into account many factors when they're choosing how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- General road safety (how many accidents each locality has)
- Total amount of drivers in the community
- Community regulations
- Local crime rates
- Amount of off-street parking
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Calumet City?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in Calumet City.
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Calumet City Insurance FAQs
What factors affect car insurance quotes in Calumet City?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Calumet City different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Calumet City?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Calumet City?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?
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 Calumet City 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?
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