Table of contents
How much is car insurance in Centralia?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Centralia is in line with pricing for the rest of Illinois.
If you're thinking of moving to Centralia from out of state, you may still be in luck. The average monthly payment for the United States as a whole is about $31 more expensive than in Centralia.
While these are the average costs to insure your vehicle in Centralia, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The bill 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.
Don't sweat it however, we've broken down average rates for Centralia 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, 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|
It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $46 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Centralia may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Centralia, where women pay around $7 less per month. As illustrated in the table above, male drivers in the area pay about $53 on average, while female drivers pay around $46 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Centralia, 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 $38 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$42|
The most affordable vehicles to insure in Centralia are by and large trucks and vans, which run about $43 per month.
SUV drivers will see rates of about $47 for car insurance, while car owners usually pay around $52 a month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Centralia, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
On average, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Centralia reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$42|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $13 a month more than homeowners in Centralia. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Centralia, IL
Recent trends in car insurance for Centralia drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
Rates in Centralia have been mixed recently. They rose in 2016, declined in 2018, and increased again in 2020, before finishing at $80 in 2021.
How does Centralia compare to neighboring areas?
Why are car insurance rates in Centralia different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Total number of drivers in the community
- Off-street parking availability
- Area laws
- Road safety
- Local crime rates
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 Centralia?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP 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 auto coverage in Centralia.
Centralia Insurance FAQs
What factors affect car insurance quotes in Centralia?
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 make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Centralia different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Centralia?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Centralia?
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?
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 Centralia 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.