Wheeling, IL Car Insurance

On average, Wheeling drivers pay around $45 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What rates should residents of Wheeling expect to pay for their car insurance? Compared to their surrounding area, how do rates in Wheeling stack up? What about against the rest of Illinois? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Wheeling?

Area Average Monthly Car Insurance Premium
Wheeling$45
IL$49
United States$81

Based on the chart above, you can see that it's about $4 a month cheaper to insure your vehicle in Wheeling than it is in the rest of Illinois.

If you're thinking of moving to Wheeling from out of state, you may still be in luck. You can expect to pay about $36 less for your policy in Wheeling than in the rest of U.S.

While these numbers represent the average monthly payments for coverage in Wheeling, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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 average rates for Wheeling residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$135
18-24$88
25-34$40
35-44$40
45-54$37
55-64$31
65+$41

More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates creep back up a bit in Wheeling.

Average Car Insurance Rates by Gender

Gender Average
Male$46
Female$43

In general, women pay slightly less for car insurance than men. In Wheeling, however, the difference in monthly rates for car insurance is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$51
Multiple Accidents$67
1 Ticket$62
Multiple Tickets$50

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Wheeling, having a single accident on your record will usually get you rates around $51 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $62.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$52
2-3 Years$37
4-5 Years$50
6-7 Years$46
8-10 Years$40
11-14 Years$49
15 Years or Older$44

According to the first table above, SUVs are by and large the cheapest vehicles to insure in Wheeling, with drivers paying around $43 per month to insure their vehicle.

SUV owners can expect to pay an average of around $43 a month for their policy, while truck and van drivers are usually around $47 to insure each month.

Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Wheeling, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$51
Married$37
Divorced$35
Widowed$31

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

The cost of auto insurance in Wheeling reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$39
Rent$45
Live with parents$61

Your housing status is another factor that affects your monthly rate. Those who own their own home in Wheeling can expect to pay around $6 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.

Car Insurance Companies in Wheeling, IL

Recent trends in car insurance for Wheeling 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 cost of insurance in Wheeling rose from 2017-2019, before leveling out in 2020. Policy premiums went up again recently, reaching a high of $91 in 2022.

How does Wheeling compare to neighboring areas?

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

Car insurance companies take in many factors when figuring out how much individual insurance policies will cost. Your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Amount of drivers
  • Prevalence of crime
  • Road Safety (how many accidents each locality has)
  • Amount of off-street parking
  • Community laws

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Wheeling?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering coverage in Wheeling.

Compare the cheapest quotes from dozens of insurance companies

Wheeling Insurance FAQs

What factors affect car insurance quotes in Wheeling?

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 credit score, driving record, marital status, and address.

Why is the cost of car insurance in Wheeling different from other neighboring cities?

Things like local laws, parking situations, 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 Wheeling?

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 however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Wheeling?

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Wheeling or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes