Chicago Heights, IL Car Insurance

What can Chicago Heights residents expect to pay for their car insurance? How does Chicago Heights stack up to the rest of the area, or even Illinois as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Chicago Heights?

Looking at the chart above, you can see that it is around $20 a month more expensive to insure your vehicle in Chicago Heights than it is in the rest of Illinois.

When stacked up against the national average, the average monthly policy payment for Chicago Heights is more affordable. The average monthly payment in Chicago Heights is about $12 less than the rate for the rest of the United States.

Keep in mind that while these are the average car insurance rates for Chicago Heights, it isn't guaranteed that it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

We've done the heavy lifting for you and broken down the average rate for Chicago Heights so that you can get a more accurate idea of what your policy will cost you. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

It makes sense that the older you are, the more experience you have driving, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may climb back up a bit in Chicago Heights.

Average Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. In Chicago Heights, this difference shakes out to about $12 per month. As you can see in the table above, male drivers in the area typically pay $74 on average, while female drivers typically pay $62 each month.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Chicago Heights, drivers with one accident on their record will experience rates around $104 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $74.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Chicago Heights are typically trucks and vans, at $51 per month.

Car owners can expect to pay an average of around $66 a month for their policy, while SUVs usually cost around $83 a month to insure.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Chicago Heights, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Generally, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Chicago Heights follows that pattern, with the difference totaling to around $32 a month.

Average Car Insurance Rates by Housing Situation

Your housing situation is another component of how insurance companies calculate your monthly rate. Those who own their own home in Chicago Heights can expect to pay around $30 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Chicago Heights, IL

Recent trends in car insurance for Chicago Heights drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Chicago Heights, car insurance rates dropped from 2017-2019, before steadying out in 2020. Policy premiums have been decreasing again recently, and were down to $36 in 2022.

How does Chicago Heights compare to neighboring areas?

Why are car insurance rates in Chicago Heights different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. Where you live will also have a significant impact on your personal policy. This may include things like:

• Regional regulations
• Local crime rates
• Off-street parking availability
• Total drivers
• Road Safety (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. Knowing 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 particular neighborhood.

How can I find the cheapest car insurance in Chicago Heights?

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.

Good news! Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Chicago Heights.

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Chicago Heights Insurance FAQs

What factors affect car insurance quotes in Chicago Heights?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

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

Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Chicago Heights?

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. 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 Chicago Heights or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?