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How much is car insurance in Chicago Heights?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Chicago Heights will typically run you about $22 a month more than in the rest of Illinois.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Chicago Heights is rather affordable. Auto insurance coverage in Chicago Heights is about $8 cheaper than it is for the rest of the United States.
Bear in mind that while these rates represent the expected monthly payments for residents of Chicago Heights, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Chicago Heights residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay $61 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may rise again in Chicago Heights.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in average rates in Chicago Heights totals about $11 per month. As you can see in the chart above, car insurance for women in the area typically costs around $65 each month, while men pay $76 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Chicago Heights, a driving record with one accident will usually get you a rate around $104 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $73.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$82|
|15 Years or Older||$56|
As you can see in the first table above, the cheapest vehicles to insure in Chicago Heights are usually trucks and vans, which run about $54 per month.
Car owners, on the other hand, by and large pay around $67 a month, while SUV drivers can expect to pay about $90 per month for auto insurance.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Chicago Heights are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Chicago Heights is about $34 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Chicago Heights, expect to pay around $35 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Chicago Heights, IL
Recent trends in car insurance for Chicago Heights 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 choosing your car insurance policy.
The rates for auto insurance in Chicago Heights increased from 2016-2017, when they hit a high of $72. This leveled out in 2018, when they began to turn downward again. They finished down in 2021, at $65 a month
How does Chicago Heights compare to neighboring areas?
Why are car insurance rates in Chicago Heights different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Rate of car accidents
- Off-street parking accessibility
- Area crime rates
- Amount of drivers in the community
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 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 Chicago Heights?
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.
Luckily, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering plans in Chicago Heights.
Chicago Heights Insurance FAQs
What factors affect car insurance quotes in Chicago Heights?
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 Chicago Heights different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 Chicago Heights?
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 Chicago Heights?
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 Chicago Heights 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?