Moline, IL Car Insurance

How much can residents of Moline expect to pay for their car insurance? How does Moline stack up to the rest of the area, or even Illinois as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Moline?

Looking at the chart above, you can see it's around $6 a month cheaper to insure your vehicle in Moline than it is in the rest of Illinois.

Similarly, car insurance rates in Moline are often favorable when viewed against the rest of the country. The average monthly payment for the U.S. as a whole is about $38 more expensive than in Moline.

While these are the average costs to insure your vehicle in Moline, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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 the average rates for Moline to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

It would make sense that older drivers have more driving experience, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates start to rise again once you hit retirement in Moline.

Average Car Insurance Rates by Gender

Although female drivers pay, on average, less than male drivers for auto insurance, Moline actually defies this trend. While female drivers pay $46 a month to insure their vehicle, males only pay about $40.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Moline, drivers with one accident on their record will experience rates around $60 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $56 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

In Moline, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $39 per month for auto insurance coverage.

Car owners can expect to pay an average of around $43 a month for their policy, while SUVs usually cost around $51 a month to insure.

The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Moline, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

On average, married policyholders will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Moline are about the same.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living accommodations. In Moline, homeowners can expect to pay around $3 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Moline, IL

Recent trends in car insurance for Moline drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

The rates for car insurance in Moline had been increasing from 2017-2018, when they reached a high of $65. This trend changed in 2019, when they began to decrease, and have continued on that road through 2022, when policy premiums hit a low of $22 per month.

How does Moline compare to neighboring areas?

Why are car insurance rates in Moline different from other areas?

Car insurance companies will take into account many factors when deciding how much to charge for a policy. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

• Off-street parking availability
• Area regulations
• General road safety (how many accidents each locality has)
• Regional crime rates
• Total drivers

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. 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 Moline?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Fortunately, Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Moline.

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Moline Insurance FAQs

What factors affect car insurance quotes in Moline?

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

Why is the cost of car insurance in Moline 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 crime rates, parking situations, 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 Moline?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Moline?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Moline 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.