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How much is car insurance in Granite City?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $8 a month more expensive to insure your vehicle in Granite City than it is in the rest of Illinois.
On the other hand, car insurance rates in Granite City are often favorable when viewed against the rest of the country. Auto insurance coverage in Granite City is about $24 cheaper than it is for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Granite City, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The monthly premium 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 Granite City so that you can get a more accurate idea of what your monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Granite City may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The price for insurance coverage in Granite City, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Granite City, a driving record with one accident will usually get you a rate around $89 a month. Likewise, drivers with one ticket will be looking at a rate of around $54 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$53|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Granite City, with drivers paying around $49 per month to insure their vehicle.
SUV drivers will see rates of about $61, while the rates for car owners average out to about $58 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. 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 drop back down. 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|
More often than not, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
The difference in rates based on relationship status in Granite City is about $10 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||$93|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $4 a month more than homeowners in Granite City. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Granite City, IL
Recent trends in car insurance for Granite City drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Granite City, the rates for auto insurance have been mixed over the past few years. They declined in 2017, increased in 2019, and dropped again in 2021, before finishing at $45 in 2022.
How does Granite City compare to neighboring areas?
Why are car insurance rates in Granite City different from other areas?
There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Number of car accidents
- Regional laws
- Area crime rates
- Off-street parking accessibility
- Amount of drivers in the community
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, 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. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Granite City.
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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 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 crime rates, local laws, and parking situations, 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?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Granite City?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Granite City or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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