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Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Woodridge Illinois

Why Are Car Insurance Rates So Expensive Near Me

Illinois is the fifth most expensive state in the country when it comes to car insurance. Illinois drivers pay an average of $1,155 a year for car insurance — that's nearly 25% above the national average. There are several factors that contribute to Illinois' high rates, including its dense population, numerous uninsured drivers, and higher than average lawsuit costs. Illinois also has some of the strictest liability laws in the nation, which can increase premiums significantly. Drivers living in Woodridge should shop around and compare car insurance quotes before settling on a policy to make sure they get the best deal possible.

Additionally, Woodridge drivers may be able to save money by taking advantage of discounts and bundling their policies with other services such as home or life insurance. Drivers should also maintain a good driving record to keep premiums low and take advantage of Illinois’ safe driver program, which rewards drivers who have been accident-free for two or more years with discounts on their car insurance rates. With the right combination of shopping around and taking advantage of available discounts, Illinois drivers can find affordable car insurance that meets their needs.

Car Insurance Quotes by Age of Driver(15 to 70)

Age of Driver Insurance Cost
Teens $3,277
20 Years $1,298
30 Years $1,000
40 Years $962
50 Years $891
60 Years $903
70 Years $1,051

Auto Insurance Rates for Young vs Older People

Young drivers in Woodridge face especially high rates, as they are generally considered to be higher risk drivers. Illinois auto insurance companies typically view drivers under the age of 25 as inexperienced and more likely to be involved in an accident. This means they charge them higher premiums than older, more experienced drivers.

On average, Woodridge drivers pay $2,349 a year for car insurance if they’re under the age of 25 — nearly twice as much as the state’s overall average rate. Drivers aged 25-44 pay an average of $1,318 a year for car insurance while those aged 45-64 pay $968 a year — both significantly lower than Illinois’ overall average rate. Additionally, Illinois drivers over the age of 65 pay an average of only $726 a year for car insurance.

To save on Woodridge auto insurance, young drivers should take advantage of discounts such as good student and safe driver discounts, as well as look for policies with higher deductibles to reduce their premiums. Drivers of all ages should also shop around and compare multiple car insurance quotes before settling on a policy. By taking these steps, Illinois drivers can find more affordable car insurance that meets their needs.

Best Auto Insurance Companies in Illinois

Country Financial

American Family

Travelers

Progressive

Farmers

NAIC Market Share

0.48%

2.28%

1.94%

12.25%

4.16%

S&P Global Ratings

A+

A

A

A

A

Average Full Coverage Yearly Premium

$2,545

$2,770

$3,171

$2,515

$5,934

Discount Rating

4 stars

4stars

5 stars

5 stars

4 stars


Country Financial

American Family

Travelers

Progressive

Farmers

NAIC Market Share

0.48%

2.28%

1.94%

12.25%

4.16%

S&P Global Ratings

A+

A

A

A

A

Average Full Coverage Yearly Premium

$2,545

$2,770

$3,171

$2,515

$5,934

Discount Rating

4 stars

4stars

5 stars

5 stars

4 stars


Country Financial

American Family

Travelers

Progressive

Farmers

NAIC Market Share

0.48%

2.28%

1.94%

12.25%

4.16%

S&P Global Ratings

A+

A

A

A

A

Average Full Coverage Yearly Premium

$2,545

$2,770

$3,171

$2,515

$5,934

Discount Rating

4 stars

4stars

5 stars

5 stars

4 stars


Car Insurance Companies Near Me

Woodridge Affordable Car Insurance

7632 Woodridge Dr, Woodridge, IL 60517

(331) 251-3406

http://cheapcarinsurancechicagoil.com/woodridge-il.php

Allstate

7440 Woodward Ave Suite H, Woodridge, IL 60517

(630) 796-7333

http://agents.allstate.com/jason-herbers-woodridge-il.html

Dan Holquist - State Farm Insurance Agent

2824 75th St, Woodridge, IL 60517

(630) 986-2000

http://www.danholquist.com/

Jay Marino: Allstate Insurance

6440 Main St Ste 140, Woodridge, IL 60517

(630) 427-1700

https://agents.allstate.com/jay-marino-woodridge-il.html

Freeway Insurance

144 S Bolingbrook Dr, Bolingbrook, IL 60440

(331) 207-7044

https://www.freewayinsurance.com/office-locator/bolingbrook-car-insurance-60440-il/

Encompass Insurance Co

9022 Heritage Pkwy, Woodridge, IL 60517

(630) 972-5550

https://www.encompassinsurance.com/

Comparing the Best Car Insurance Companies Nearby

When shopping for car insurance in Woodridge, it’s important to compare multiple quotes from different companies. Illinois has a wide range of auto insurance providers, each with its own rating system and features.

Some of the top-rated Illinois auto insurers include State Farm, GEICO, Progressive and USAA. These companies all offer competitive rates and discounts for Illinois drivers. Additionally, Illinois drivers may be eligible for additional discounts such as good student or safe driver discounts. Woodridge drivers should also research customer reviews before selecting an insurer to make sure they choose one with a good reputation for customer service.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$3294$1011
Reckless Driving$3124$981
Wrong Way/Wrong Lane$3106$928
Driving on Sus. License$3035$921
Illegal Turn$2896$897
Failure to Obey Traffic Sign$2601$871
Speeding over 15$2602$870
Defective Equipment$2594$794
Speeding under 15$2462$766

How Driving Infractions Increase Insurance Premiums

Illinois’ strict liability laws mean that drivers who are involved in accidents can face heavy fines and insurance rate increases. Woodridge drivers with a DUI conviction, for example, may face steep premiums of up to $5,000 per year for three years. Drivers with multiple moving violations such as speeding tickets may also see their rates increase significantly.

To avoid costly rate increases, Woodridge drivers should maintain a clean driving record and take advantage of Illinois’ safe driver program. Additionally, they should shop around and compare quotes from different companies before settling on a policy to make sure they get the best deal possible. By taking these steps, Illinois drivers can save money on car insurance while protecting themselves on the road.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $1152
Below Fair $1969
Poor $2157
Worst $2409

Does Credit Score Matter When Getting Cheaper Quotes?

In Illinois, insurance companies have the right to consider your credit score when determining your premium. Studies have shown that drivers with lower credit scores are more likely to file a claim than those with higher scores. As such, Woodridge auto insurers typically charge higher premiums for drivers with bad or poor credit scores.

To get the best rates possible, Woodridge drivers should work to improve their credit score by paying bills on time and avoiding unnecessary debt. Additionally, they can shop around and compare quotes from different companies before settling on a policy in order to find an affordable rate that fits their budget. By taking these steps, Illinois drivers can save money on car insurance while still getting the coverage they need.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Woodridge Illinois

Don't Forget The Total Monthly Cost of Your Vehicle

When shopping for car insurance in Illinois, it’s important to consider the total cost of your policy — not just the premiums. Woodridge drivers should also factor in any additional fees associated with their policies such as taxes, processing fees and surcharges. Additionally, Illinois drivers should read the terms and conditions of their policies carefully to make sure they know exactly what is covered by their policy and understand any exclusions or limitations.

By considering the full cost of a policy before signing on the dotted line, Woodridge drivers can save money on car insurance while still getting adequate coverage for their vehicles. Shopping around and comparing quotes from different companies is also essential when trying to find an affordable Illinois auto insurance policy. By taking these steps, Illinois drivers can save money on car insurance while still getting the coverage they need.

Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.

car insurance companies Woodridge IL

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Full Coverage vs Liability Only Insurance in Illinois

When looking for car insurance in Woodridge, drivers should consider the differences between full coverage and liability only policies. Full coverage policies offer more comprehensive protection against damage to your vehicle and yourself, while liability only policies cover third party property damage and bodily injury resulting from an accident. Drivers should think about their individual needs when selecting a policy, as some may find that a full coverage policy provides better peace of mind.

In Woodridge, it is illegal to drive without proof of financial responsibility such as auto insurance or a bond. As such, Illinois drivers must purchase at least a minimum level of liability insurance before they can legally operate their vehicles. Additionally, Illinois drivers are advised to compare quotes from different companies before settling on a policy so they can get the best deal possible. By taking these steps, Illinois drivers can save money on car insurance while still getting the coverage they need.

State Auto Insurance Minimums in Illinois

In Woodridge, drivers must have a minimum level of liability coverage in order to be legally insured. Illinois drivers are required by law to carry bodily injury liability insurance and property damage liability insurance, with minimum limits of $25,000 per person for bodily injury and $20,000 per accident for property damage. Illinois drivers should keep in mind that these are only the legal minimums — they may want to consider additional coverage if their vehicles or personal assets are worth more than the minimums.

Non-Owner Car Insurance in IL

In Woodridge, non-owner car insurance is a type of policy that can provide liability coverage for drivers who do not own or lease a vehicle but still need to drive one. It is usually purchased by drivers who rent cars frequently or borrow someone else’s car on occasion. Non-owner policies typically have lower premiums than regular auto insurance policies and they can provide peace of mind in the event of an accident while driving someone else’s car.

Non-owner insurance is not mandatory in Woodridge, but it can be useful for drivers who regularly drive other people’s vehicles. Illinois drivers should compare quotes from different companies before settling on a policy so they can get the best deal possible.

Car Insurance Discounts in IL

In Woodridge, drivers may be eligible for car insurance discounts that can help them save money on their premiums. Illinois drivers may qualify for discounts based on a variety of factors such as their driving record, vehicle safety features and membership in certain organizations or programs. Drivers should talk to their insurance agent about what discounts they might qualify for so they can take advantage of any savings opportunities.

Getting Car Insurance Coverage for Teenagers in Illinois

If you’re a parent in Woodridge and are looking for ways to protect your teen with car insurance coverage, look no further! Illinois has specific laws that require all drivers to have auto liability insurance before they drive.

For Woodridge teens who are first time drivers, it is important that parents understand the risks associated with young driving. The Illinois Department of Insurance recommends getting a basic liability policy as soon as possible to ensure that their teen is properly protected in case of an accident. Liability policies will help cover any damage caused by their teenage driver if they’re at fault.

It’s also important to consider additional coverage options such as uninsured/underinsured motorist coverage, personal injury protection and collision and comprehensive coverage. These should also be taken into account when looking for an Woodridge car insurance policy for your teen driver.

Finally, Woodridge parents can take advantage of insurance discounts to help lower their premiums. Many companies offer discounts for good grades and successful completion of a driver’s education course. You may also qualify for discounts if you have multiple vehicles or drivers on one policy.

Getting car insurance coverage for your Woodridge teenager doesn’t need to be a daunting task. Work with a licensed and experienced Illinois agent who will assist you in finding the right auto insurance policy that meets your needs and fits within your budget. Your teen will then be able to enjoy the freedom of driving safely knowing they are fully protected!

Car Insurance for Seniors

Getting car insurance for Woodridge seniors can be just as important for their overall financial security as it is for younger drivers. Illinois requires all motorists to carry liability coverage in the form of bodily injury and property damage protection, but Illinois seniors may want to consider additional types of coverage such as uninsured motorist and collision or comprehensive.

Seniors should also look into discounts that many Illinois insurers offer specifically for older drivers. Many companies provide discounts for good driving records, completion of a defensive driving course, or bundling multiple vehicles under one policy. Other ways Woodridge seniors can save on their auto insurance premiums include raising deductibles and taking advantage of loyalty programs with their insurer.

Do I Need SR-22 Insurance in Illinois

SR-22 insurance is required for Woodridge drivers who have committed certain traffic violations or been convicted of a DUI/DWI. An Illinois SR-22 form is typically required by the state to verify that you are carrying the minimum liability coverage and are financially responsible if an accident were to occur.

Drivers who need SR-22 insurance in Woodridge should contact their current auto insurer to see if they’re able to provide this type of coverage. If not, they should shop around for other companies that offer this type of policy. It’s important to make sure you keep up with your payments on time so that your SR-22 remains valid and in good standing with Illinois authorities.

Should I Increase My Deductible?

Increasing your Woodridge car insurance deductible is a great way to reduce your auto insurance premiums. Increasing your deductible means that you are taking on more of the risk in the event of an accident, so a higher deductible will result in lower monthly premiums.

Geico vs Allstate

When choosing Woodridge auto insurance, it’s important to compare rates from various companies. Geico and Allstate are two of the leading Illinois car insurance providers with competitive rates. Both companies offer a variety of coverage options, discounts and loyalty programs that can help Illinois drivers save on their monthly premiums. Additionally, Geico offers its customers the convenience of online quotes while Allstate offers more comprehensive coverage options such as accident forgiveness and disappearing deductibles. Ultimately, when deciding between Geico vs Allstate in Illinois, it’s best to compare different policies to find the one that offers the most value for your money.

Nationwide vs Progressive

Nationwide and Progressive are two Woodridge auto insurance companies that provide a range of coverage options and discounts to Illinois drivers. Both companies offer competitive rates on liability coverage as well as additional protection such as uninsured motorist, rental reimbursement and roadside assistance. Nationwide offers a variety of discounts including safe driver, multi-vehicle and good student discounts while Progressive has a wide selection of customizable policies for Illinois drivers looking for comprehensive coverage. When choosing between Nationwide vs Progressive in Illinois, it’s important to compare their various policies to find the one that best fits your needs and budget.

How Speeding Tickets Affect Insurance Costs in IL

Speeding tickets can have a big impact on Woodridge car insurance rates, as they are an indication of risky driving behavior. Illinois auto insurers take speeding violations very seriously, and most will increase premiums drastically for drivers who accumulate multiple speeding tickets. It’s important to always obey the speed limit in Illinois and avoid any citations that could lead to higher insurance costs. Additionally, some Illinois auto insurers may offer discounts for completing a defensive driving course which could help offset the cost of the ticket and reduce your monthly premiums.

How Many Cars Can I Insure Under One Policy in Illinois?

Most Woodridge IL auto insurers allow policyholders to bundle multiple cars under one policy for a discounted rate. This is especially beneficial for Illinois drivers with multiple cars in their household, as they can save on premiums by insuring all of their vehicles under one policy. Illinois auto insurance companies typically have different limits on the number of cars that can be included in a single policy, so it’s important to check with your provider for more information.

What Is Uninsured Motorist Coverage in IL?

Uninsured motorist coverage is an Illinois car insurance option that provides additional protection if you are involved in an accident with an uninsured driver. This type of coverage will help cover the cost of repairs and medical bills should you be involved in an accident caused by a driver who does not have Illinois auto insurance. It is important to remember that this type of coverage only applies if the other driver is at fault and does not have Illinois auto insurance, so it’s important to consider this option if you are looking for additional protection. The premium for uninsured motorist coverage in Illinois depends on your deductible amount - the higher the deductible, the lower your monthly premiums will be. Ultimately, uninsured motorist coverage can provide Woodridge drivers with peace of mind knowing they are protected in case of an accident with an uninsured driver.

car insurance companies Woodridge IL

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Woodridge, Illinois. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Woodridge, IL.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.


Andrew Brown

Andrew Brown - Chief Editor

Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.