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How much is car insurance in Skokie?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $15 a month more expensive to insure your vehicle in Skokie than it is in the rest of Illinois.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Skokie is rather affordable. The average monthly payment in Skokie is about $17 less than the rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Skokie, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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 your monthly policy payment.
Don't sweat it however, we've broken down average rates for Skokie 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 for your area, simply 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. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may climb back up in Skokie.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their vehicle, Skokie actually defies this trend. While female drivers pay $82 a month for auto insurance coverage, males only pay about $51.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Skokie, a driving record with a single accident will usually get you a rate around $129 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $79 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$127|
|15 Years or Older||$47|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Skokie, with drivers paying around $49 per month for insurance coverage.
Car owners will see rates of about $68, while truck and van owners usually pay around $52 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Skokie, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Skokie is no exception, with the difference totaling to around $30 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $29 a month more than homeowners in Skokie. But those who live at home with their parents can expect to pay significantly more.
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 car insurance costs.
Car Insurance Companies in Skokie, IL
Recent trends in car insurance for Skokie drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The rates for car insurance in Skokie dropped from 2017-2019, before leveling out in 2020. Policy premiums began decreasing again in 2021, and finished down in 2022, at $46.
How does Skokie compare to neighboring areas?
Why are car insurance rates in Skokie different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Local laws
- Road Safety (how many accidents each locality has)
- Regional crime rates
- Amount of drivers in the community
- Access to off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Skokie?
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.
But wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Skokie.
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Skokie Insurance FAQs
What factors affect car insurance quotes in Skokie?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Skokie different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Skokie?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Skokie?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Skokie or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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