East St. Louis, IL Car Insurance

What can East Saint Louis residents expect to pay for their car insurance? How does East Saint Louis compare to the surrounding area and the rest of Illinois? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in East Saint Louis?

As you can see in the chart above, it is around $12 a month more expensive to insure your vehicle in East Saint Louis than it is in the rest of Illinois.

On the flip side, when compared to the national average, the cost for auto insurance in East Saint Louis is lower. It's about $20 cheaper to insure your vehicle in East Saint Louis compared to the average rate for the U.S. as a whole.

Although these are the average monthly costs for an auto insurance policy in East Saint Louis, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rates for East Saint Louis residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up a bit in East Saint Louis.

Average Car Insurance Rates by Gender

In general, women pay slightly less for car insurance than men. The difference in East Saint Louis is around $4 a month. As you can see in the chart above, car insurance for women in the area typically costs around $60 each month, while men pay $64 on average.

Average Auto Insurance Rates by Driving Record

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In East Saint Louis, a driving record with a single accident will usually get you a rate around $83 a month. Similarly, drivers with one ticket will typically pay around $87 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in East Saint Louis are by and large trucks and vans, at $54 per month.

Car owners, on the other hand, typically pay around $64 per month, while SUV drivers can expect to pay about $56 a month for insurance coverage.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in East Saint Louis are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Generally, those who are currently 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.

At a national level, single drivers usually pay more than married couples do for auto insurance. East Saint Louis follows that pattern, with the difference totaling to around $10 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living accommodations. Homeowners and renters alike can expect to pay about $60 per month for coverage in East Saint Louis.

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 car insurance costs.

Car Insurance Companies in East Saint Louis, IL

Recent trends in car insurance for East Saint Louis drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In East Saint Louis, the rates for car insurance had been increasing from 2017-2018, before leveling out in 2019. Rates finished down in 2022, at $36 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 take in a lot of factors when figuring out how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

• Amount of off-street parking
• Community laws
• Total number of drivers
• Local crime rates
• Road safety

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 East Saint Louis?

While getting familiar with 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.

Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in East Saint Louis.

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East Saint Louis Insurance FAQs

What factors affect car insurance quotes in East Saint Louis?

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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in East Saint Louis different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 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 however, 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 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to East Saint Louis or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?