Wheeling, IL Car Insurance

On average, drivers in Wheeling pay around $44 per month for their car insurance. Check out our guide below to find out how much you'll pay.
What rates can residents of Wheeling expect to pay for their car insurance? Are rates in Wheeling higher or lower than those in neighboring areas? How do they compare to 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$44
IL$50
United States$80

Compared to the rest of the Illinois, coverage in Wheeling is about $6 a month cheaper.

Similarly, car insurance rates in Wheeling are more affordable than the national average. You can expect to pay about $36 below the national average for auto insurance in Wheeling.

Although these are the average car insurance rates in Wheeling, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rates for Wheeling 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, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$135
18-24$87
25-34$40
35-44$36
45-54$38
55-64$31
65+$41

The older you are, the more experience you're likely to have on the roads, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Wheeling may see their rates creep back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$45
Female$42

Female drivers pay, on average, slightly less than their male counterparts. 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$50
Multiple Accidents$67
1 Ticket$92
Multiple Tickets$40

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Wheeling with one accident will pay around $50 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $92.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$53
2-3 Years$38
4-5 Years$50
6-7 Years$43
8-10 Years$38
11-14 Years$49
15 Years or Older$42

The cheapest vehicles to insure in Wheeling are usually SUVs, with each type typically costing about $39 per month.

Truck and van drivers will see rates of about $47 for auto insurance, while SUV owners by and large pay around $39 a month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. 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)$50
Married$37
Divorced$35
Widowed$31

Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

In Wheeling, the difference in rates based on relationship status can be as much as $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$39
Rent$42
Live with parents$61

Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $3 a month more than homeowners in Wheeling. Those who live with their parents, however, can expect to pay a lot 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 premiums.

Car Insurance Companies in Wheeling, IL

Recent trends in car insurance for Wheeling drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Wheeling, the rates for auto insurance went up from 2016-2019, before leveling out in 2020. Policy premiums finished up in 2021, at $59 per month

How does Wheeling compare to neighboring areas?

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

There are a number of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Off-street parking availability
  • Area regulations
  • Road Safety (how many accidents each locality has)
  • Amount of drivers
  • Crime levels

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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Wheeling?

While getting familiar with 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.

But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies providing plans in Wheeling.

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Wheeling Insurance FAQs

What factors affect car insurance quotes in Wheeling?

Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Wheeling different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Wheeling?

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 Wheeling?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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