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How much is car insurance in Crest Hill?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Crest Hill are about $8 a month more expensive than the rest of Illinois.
On the flip side, the expected monthly payments for an auto insurance policy in Crest Hill are below the national average. It's around $24 less to insure your vehicle compared to the average rate for the United States as a whole.
Keep in mind that while these are the average car insurance rates for Crest Hill, it isn't guaranteed that it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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.
We've done the heavy lifting for you and broken down the average rate for Crest Hill 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 older you are, the more experience you're likely to have on the roads, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Crest Hill.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for auto insurance coverage, in Crest Hill men actually pay $55 per month for coverage while women pay $61.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Crest Hill, a driving record with a single accident will usually get you a rate around $86 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $85.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$58|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Crest Hill, with drivers paying around $49 per month for insurance coverage.
Car owners will see a monthly bill of about $57, while SUV owners by and large pay around $59 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Crest Hill, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally speaking, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Crest Hill is no exception, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $34 a month more than if you own your own home in Crest Hill. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Crest Hill, IL
Recent trends in car insurance for Crest Hill 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 car insurance in Crest Hill dropped from 2017-2019, when they hit a low of $48, but started to rise from 2020-2021. They finished down in 2022, at $71.
How does Crest Hill compare to neighboring areas?
Why are car insurance rates in Crest Hill different from other areas?
Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. Many factors affecting your policy are based around where you live. These factors include things like:
- Frequency of car accidents
- Access to off-street parking
- Amount of drivers in the area
- Community regulations
- 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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Crest Hill?
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.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Crest Hill.
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Crest Hill Insurance FAQs
What factors affect car insurance quotes in Crest Hill?
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 Crest Hill different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Crest Hill?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Crest Hill?
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?
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 Crest Hill 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.
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