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How much is car insurance in Granite City?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Illinois are about $7 a month cheaper than the rates drivers pay in Granite City.
On the other hand, car insurance rates in Granite City are more affordable than the national average. It's around $23 less to insure your vehicle 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 Granite City, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you 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 worry, we've done the work for you and broken down average rates for Granite City to help you get a more accurate idea of what you'll be charged for your policy. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may climb back up a bit in Granite City.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Granite City, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay a lot less than those with infractions. In Granite City, a driving record with one accident will usually get you a rate around $89 a month. Similarly, drivers with one ticket will typically pay around $62 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$54|
In Granite City, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $49 per month to insure their vehicle.
Car owners, on the other hand, by and large pay around $58 a month, while SUV drivers can expect to pay about $63 per month for auto insurance coverage.
Depending on your vehicle's age, you can also expect to see slightly different rates. 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. In Granite City, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
On average, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Granite City is no exception, with the difference totaling to around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than those who own their own home in Granite City. Those who live with their parents, however, can expect to pay a lot more.
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 average premiums.
Car Insurance Companies in Granite City, IL
Recent trends in car insurance for Granite City drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The rates for auto insurance in Granite City rose from 2016-2017, before leveling out in 2018. Policy premiums increased again recently, reaching a high of $75 in 2021.
How does Granite City compare to neighboring areas?
Why are car insurance rates in Granite City different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Area crime rates
- Local laws
- Road Safety (how many accidents each locality has)
- Total number of drivers in the area
- Off-street parking access
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Granite City?
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 can handle all of this for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Granite City.
Granite City Insurance FAQs
What factors affect car insurance quotes in Granite City?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Granite City different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Granite City?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Granite City?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Granite City or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.