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How much is car insurance in East Saint Louis?
|Area||Average Monthly Car Insurance Premium|
|East Saint Louis||$63|
Car insurance policies across the rest of Illinois are about $13 a month cheaper than the rates drivers pay in East Saint Louis.
Drivers relocating from out of state may enjoy some cost savings in East Saint Louis. You can expect to pay about $17 below the national average for auto insurance in East Saint Louis.
Keep in mind that while these are the average car insurance rates for East Saint Louis, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium 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 East Saint Louis 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 that you're paying the lowest option, 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's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $56 more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates start to rise again in East Saint Louis.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. While female drivers pay a bit less than male drivers on their monthly insurance rates, the difference in East Saint Louis is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in East Saint Louis with a single accident will pay around $80 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $111.
Wherever you live, 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||$41|
|15 Years or Older||$60|
If you look at the first table above, the cheapest vehicles to insure in East Saint Louis are typically trucks and vans, at $58 per month.
Car owners will see a monthly bill of about $64, while SUV owners by and large pay around $62 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In East Saint Louis, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor 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 East Saint Louis, with married couples paying about $13 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $1 less than drivers who own property in East Saint Louis. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in East Saint Louis, IL
Recent trends in car insurance for East Saint Louis 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.
The rates for car insurance in East Saint Louis declined from 2016-2017, before steadying out in 2018. They finished down in 2021, at $59 per month
How does East Saint Louis compare to neighboring areas?
Why are car insurance rates in East Saint Louis different from other areas?
Car insurance companies look at a lot of factors when they're choosing how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Amount of off-street parking
- General road safety (how many accidents each locality has)
- Number of drivers
- Local regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in East Saint Louis?
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.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies providing plans in East Saint Louis.
East Saint Louis Insurance FAQs
What factors affect car insurance quotes in East Saint Louis?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in East Saint Louis 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, parking situations, 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 East Saint Louis?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to East Saint Louis?
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 East Saint Louis 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?