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How much is car insurance in Plainfield?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $9 a month more expensive to insure your vehicle in Plainfield than it is in the rest of Illinois.
Drivers relocating from out of state may enjoy some cost savings in Plainfield. The average monthly payment in Plainfield is about $23 cheaper than the rate for the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Plainfield, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month 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 the average rate for Plainfield residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $55 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may begin to go back up in Plainfield.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Plainfield, where female drivers pay around $10 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay less than those with infractions. Drivers in Plainfield with a single accident on their record will usually see rates around $63 a month. In addition, drivers with one ticket can expect to pay around $67 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$41|
|15 Years or Older||$49|
If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Plainfield, with drivers paying around $44 per month for insurance coverage.
Car owners can expect to pay an average of around $62 a month for their policy, while truck and van drivers are usually around $48 to insure each month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Plainfield, 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)||$66|
Generally, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The cost of auto insurance in Plainfield reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $27 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$65|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $21 a month more than if you own your own home in Plainfield. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Plainfield, IL
Recent trends in car insurance for Plainfield drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Plainfield, auto insurance rates declined from 2017-2019, but began to rise in 2020. This pattern has continued through 2022 when rates have most recently hit $172.
How does Plainfield compare to neighboring areas?
Why are car insurance rates in Plainfield different from other areas?
Car insurance companies will take into account a variety of factors when choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Amount of drivers
- Access to off-street parking
- Local crime rates
- Frequency of car accidents
- Community regulations
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. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Plainfield?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Plainfield.
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Plainfield Insurance FAQs
What factors affect car insurance quotes in Plainfield?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Plainfield different from other neighboring cities?
Things like local laws, crime rates, 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 Plainfield?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Plainfield?
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. 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 Plainfield or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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