Calumet City, IL Car Insurance

On average, Calumet City drivers pay a monthly average rate of around $60 for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What should residents of Calumet City expect to pay for their car insurance? How do rates in Calumet City measure up compared to neighboring areas, including Illinois as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Calumet City?

Area Average Monthly Car Insurance Premium
Calumet City$60
IL$50
United States$80

As you can see in the chart above, it is around $10 a month more expensive to insure your vehicle in Calumet City than it is in the rest of Illinois.

On the flip side, car insurance rates in Calumet City are often favorable when viewed against the rest of the country. It's about $20 cheaper than the national average to insure your vehicle in Calumet City.

Keep in mind that while these are the average car insurance rates for Calumet City, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down the average rate 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 certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$86
25-34$53
35-44$50
45-54$41
55-64$46
65+$40

The longer you've been on the road, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may creep back up a bit in Calumet City.

Average Car Insurance Rates by Gender

Gender Average
Male$64
Female$56

On average, female drivers pay slightly less than male drivers for car insurance. This is true in Calumet City, where women pay around $8 less a month. As you can see in the table above, female drivers in the area typically pay $56 on average, while female drivers typically pay $64 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$51
Multiple Accidents$76
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Calumet City, drivers with one accident on their record will experience rates around $51 a month.

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$56
2-3 Years$60
4-5 Years$80
6-7 Years$61
8-10 Years$64
11-14 Years$62
15 Years or Older$54

The cheapest vehicles to insure in Calumet City are typically trucks and vans, with each type typically costing about $52 per month.

SUV drivers will see rates of about $61, while the rates for car owners average out to about $62 per month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. 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)$64
Married$48
Divorced$37
Widowed$35

Generally, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

According to the table above, the difference in rates based on relationship status in Calumet City can be as much as $16 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$55
Rent$61
Live with parents$76

One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $6 a month more than homeowners in Calumet City. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.

Car Insurance Companies in Calumet City, IL

Recent trends in car insurance for Calumet City drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

The rates for auto insurance in Calumet City increased from 2016-2018, before leveling out in 2019. They finished down in 2021, at $50 a month

How does Calumet City compare to neighboring areas?

Why are car insurance rates in Calumet City different from other areas?

There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

  • Road Safety (frequency of local car accidents)
  • Laws
  • Total drivers
  • Prevalence of crime
  • Off-street parking accessibility

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Calumet City?

Equipping 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.

But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Calumet City.

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Calumet City Insurance FAQs

What factors affect car insurance quotes in Calumet City?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Calumet City?

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 Calumet City?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Calumet City or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes