How much does car insurance cost in Romeoville, IL? Check out the average rates that drivers pay below.
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Illinois has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Romeoville typically pay around $110.96 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
Area | Average Monthly Rate |
---|---|
National | $167.68 |
Illinois | $109.06 |
Romeoville, Illinois | $110.96 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Romeoville coming in around $71.95 per month. Other companies to consider if you live in Romeoville is Direct Auto with an average cost of $79.49 per month and Pekin Insurance which typically runs around $81.12 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Romeoville.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Clearcover | $71.95 | -34.03% |
2 | Direct Auto | $79.49 | -27.11% |
3 | Pekin Insurance | $81.12 | -25.62% |
4 | SECURA Insurance | $103.37 | -5.22% |
5 | Country | $104.32 | -4.35% |
6 | State Farm | $109.07 | 0.01% |
7 | Auto-Owners Insurance Co | $113.94 | 4.47% |
8 | Travelers | $118.95 | 9.07% |
9 | Grange Mutual | $125.68 | 15.24% |
10 | Nationwide | $128.65 | 17.97% |
Rates can vary from city to city. The residents of Aurora typically pay $104.54 per month while people who live in Bloomington will pay $96.62 per month on average. See what people pay for car insurance in other cities in Illinois.
Illinois Cities | Monthly Average Rate |
---|---|
Aurora | $104.54 |
Bloomington | $96.62 |
Carol Stream | $108.48 |
Champaign | $87.16 |
Chicago | $133.99 |
Decatur | $96.92 |
East Saint Louis | $106.24 |
Evanston | $100.88 |
Joliet | $104.76 |
Naperville | $99.11 |
Palatine | $100.03 |
Peoria | $96.18 |
Rockford | $99.47 |
Romeoville | $110.96 |
Schaumburg | $100.40 |
Springfield | $99.47 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Illinois. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
Romeoville, IL ZIP Code | Average Monthly Rate |
---|---|
60446 | $110.96 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $89.21 per month in Romeoville. Compare that to drivers in their 30’s who typically pay around $102.10 per month drivers in their 40s at $126.16 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
Age Group | Average Monthly Rate |
---|---|
50s | $89.21 |
40s | $98.14 |
70+ | $102.10 |
20s | $126.16 |
60s | $81.54 |
30s | $83.70 |
16-19 | $213.93 |
If you are teen in Romeoville you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Pekin Insurance typically charges around $106.17 per month. This is likely the most affordable option in Romeoville. You might also want to consider State Farm and Country who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
Pekin Insurance | $106.17 |
State Farm | $142.95 |
Country | $148.19 |
Travelers | $152.05 |
Auto-Owners Insurance Co | $154.86 |
20 year-olds in Romeoville might want to consider Direct Auto who, on average, offers car insurance rates around $87.88 per month. Pekin Insurance , SECURA Insurance , State Farm and Country are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
Direct Auto | $87.88 |
Pekin Insurance | $103.82 |
SECURA Insurance | $122.63 |
State Farm | $127.37 |
Country | $129.07 |
If you are in your 30s in Romeoville our research has found that Pekin Insurance typically has the most affordable coverage coming in around $58.58 per month, followed by Direct Auto at $63.00 and Country at $79.25.
Company | Average Monthly Rate |
---|---|
Pekin Insurance | $58.58 |
Direct Auto | $63.00 |
Country | $79.25 |
SECURA Insurance | $79.98 |
Auto-Owners Insurance Co | $86.26 |
On average, Pekin Insurance offers car insurance for 40 year-olds in Romeoville for around $58.92 per month. If you are looking for affordable coverage, you may also want to consider Direct Auto or Country. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Pekin Insurance | $58.92 |
Direct Auto | $61.43 |
Country | $81.42 |
SECURA Insurance | $88.94 |
Grange Mutual | $90.01 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Romeoville we found that Direct Auto generally offers the most affordable coverage at $47.70 per month.
Company | Average Monthly Rate |
---|---|
Direct Auto | $47.70 |
Pekin Insurance | $65.72 |
SECURA Insurance | $83.14 |
Country | $89.12 |
Grange Mutual | $97.32 |
If you live in Romeoville and you’re in your 60s, our data indicates that Pekin Insurance usually has the best rates at $60.72 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
Pekin Insurance | $60.72 |
SECURA Insurance | $71.72 |
Country | $74.49 |
State Farm | $77.93 |
Auto-Owners Insurance Co | $80.42 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Romeoville, the average monthly rate for a driver who is currently insured is $100.98 while drivers who are not currently covered will pay around $120.62.
Coverage | Average Monthly Rate |
---|---|
Not Currently Insured | $120.62 |
Currently Insured | $100.98 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Romeoville a driver of a 2012 Kia Forte can expect to pay around $82.91 per month while someone that owns a 2006 Ford Five Hundred may pay around $75.28 per month. Check out the list of recent quotes in Romeoville below.
Vehicle | Average Monthly Rate |
---|---|
2012 Kia Forte | $82.91 |
2006 Ford Five Hundred | $75.28 |
2021 Chevrolet Malibu | $145.19 |
2020 GMC Sierra | $161.53 |
2012 Ford Fusion | $145.37 |
2015 Toyota Corolla | $85.57 |
2019 Dodge Charger | $56.70 |
2017 Bmw X1 | $76.93 |
2017 Hyundai Elantra | $65.73 |
2015 Toyota Rav4 | $198.07 |
What Is the Minimum Liability Coverage Requirement in Romeoville, IL?
In Illinois, you are legally required to obtain liability insurance and uninsured motorist coverage. Both are for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passengers in another vehicle (whether or not the other driver is insured or is underinsured). Liability coverage pays up to the amounts listed below.* It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!
Since Illinois is a “fault” or “tort” state, your carrier will pay for accident damages only once you are found responsible for causing the accident. You can also be sued by the other driver if found at fault. Consider this: $20,000 is the maximum payment for property damage in Illinois but you collide with a $35,000 vehicle. If you are found at fault, you are on the hook for any damages beyond $20,000. Between this and the high cost of medical care, we recommend you carry more than the minimum required coverage!
What Is the Blood Alcohol Concentration (BAC) limit in Romeoville, IL?
It is illegal for an individual to operate a motor vehicle in Illinois with the following BAC percentages:
Does Illinois allow the use of digital insurance cards?
Yes! Thanks to Bill SB1775, getting pulled over in Illinois is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!
Check Out Other Rates in Romeoville, IL Nearby Cities:
Commute Time in Romeoville, IL
31.7 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Romeoville, IL
1186 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
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