Table of contents
How much is car insurance in Plainfield?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Plainfield is about $4 a month more expensive than the rest of Illinois.
If you're thinking of moving to Plainfield from out of state, you may still be in luck. The average monthly payment in Plainfield is about $26 cheaper than the rate for the rest of the U.S.
While these are the average car insurance rates for 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 insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
But don't worry, 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 your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Plainfield.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Plainfield, however, men actually pay a little bit less than female drivers for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Plainfield, having a single accident on your record will usually get you rates around $62 a month. Similarly, drivers with one ticket will typically pay around $69 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$43|
|15 Years or Older||$49|
In terms of affordable coverage, the cheapest vehicles to insure in Plainfield are usually SUVs, at $45 per month.
Truck and van drivers will see rates of about $46 to insure their vehicle, while car owners by and large pay around $57 a month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Plainfield are vehicles six-to-seven years old.
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. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
The difference in rates based on relationship status in Plainfield can be as much as $22 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Plainfield, expect to pay around $8 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Plainfield, IL
Recent trends in car insurance for Plainfield drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Plainfield, auto insurance rates have been mixed over the past few years. They increased in 2016, declined in 2018, and rose again in 2020, before finishing at $81 in 2021.
How does Plainfield compare to neighboring areas?
Why are car insurance rates in Plainfield different from other areas?
Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Total number of drivers in the area
- Regional laws
- Off-street parking access
- Frequency of car accidents
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. 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 Plainfield?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Plainfield.
Plainfield Insurance FAQs
What factors affect car insurance quotes in Plainfield?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Plainfield different from other neighboring cities?
Things like parking situations, local laws, 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 Plainfield?
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 Plainfield?
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 Plainfield or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?