Wheaton Car Insurance

How much does car insurance cost in Wheaton, IL? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Wheaton?

Monthly Average Rates by Country, State, and City

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 Wheaton typically pay around $94.81 per month compared to the national average of $167.23 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.

AreaAverage Monthly Rate
National $167.23
Illinois $108.62
Wheaton, Illinois $94.81

Wheaton, IL Best Car Insurance Companies

car insurance in Wheaton

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 Wheaton coming in around $66.26 per month. Other companies to consider if you live in Wheaton is Pekin Insurance with an average cost of $68.49 per month and Direct Auto which typically runs around $80.75 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Wheaton.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $66.26-39.00%
2 Pekin Insurance $68.49-36.95%
3 Direct Auto $80.75-25.66%
4 SECURA Insurance $88.07-18.92%
5 Country $92.10-15.21%
6 State Farm $97.72-10.04%
7 Auto-Owners Insurance Co $103.19-5.00%
8 Travelers $103.47-4.75%
9 Nationwide $104.53-3.76%
10 Grange Mutual $106.04-2.37%

How Much is Car Insurance in Wheaton, IL?

how much is auto insurance in Wheaton

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 $96.32 per month on average. See what people pay for car insurance in other cities in Illinois.

Illinois CitiesMonthly Average Rate
Aurora $104.54
Bloomington $96.32
Carol Stream $108.48
Champaign $87.20
Chicago $133.23
Decatur $96.44
East Saint Louis$106.24
Evanston $100.58
Joliet $104.67
Naperville $98.61
Palatine $100.03
Peoria $95.80
Rockford $99.29
Schaumburg $99.62
Springfield $99.50
Wheaton $94.81

Cheap Car Insurance in Wheaton by Zip Codes

find cheap auto insurance in Wheaton

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.

Wheaton, IL ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Wheaton

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $267.25 per month in Wheaton. Compare that to drivers in their 30’s who typically pay around $96.45 per month drivers in their 40s at $86.46 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 GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Wheaton

If you are teen in Wheaton 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, First Chicago Insurance typically charges around $198.75 per month. This is likely the most affordable option in Wheaton. You might also want to consider SECURA Insurance and Grange Mutual who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
First Chicago Insurance$198.75
SECURA Insurance$262.25
Grange Mutual$297.00
Pekin Insurance$307.50

Cheapest Insurance for 20 Year-olds in Wheaton

20 year-olds in Wheaton might want to consider Clearcover who, on average, offers car insurance rates around $66.26 per month. Pekin Insurance , Direct Auto , SECURA Insurance and Country are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Pekin Insurance$72.98
Direct Auto$89.49
SECURA Insurance$107.58

Cheapest Insurance for 30 Year-olds in Wheaton

If you are in your 30s in Wheaton our research has found that Pekin Insurance typically has the most affordable coverage coming in around $70.73 per month, followed by Direct Auto at $80.25 and SECURA Insurance at $85.93.

CompanyAverage Monthly Rate
Pekin Insurance$70.73
Direct Auto$80.25
SECURA Insurance$85.93
Grange Mutual$88.47

Cheapest Insurance for 40 Year-olds in Wheaton

On average, Pekin Insurance offers car insurance for 40 year-olds in Wheaton for around $53.56 per month. If you are looking for affordable coverage, you may also want to consider Direct Auto or SECURA Insurance. The full list of top companies is below.

CompanyAverage Monthly Rate
Pekin Insurance$53.56
Direct Auto$57.60
SECURA Insurance$69.67
Auto-Owners Insurance Co$70.36

Cheapest Insurance for 50 Year-olds in Wheaton

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Wheaton we found that Pekin Insurance generally offers the most affordable coverage at $60.38 per month.

CompanyAverage Monthly Rate
Pekin Insurance$60.38
Grange Mutual$67.75

Cheapest Insurance for 60 Year-olds in Wheaton

If you live in Wheaton and you’re in your 60s, our data indicates that Pekin Insurance usually has the best rates at $58.90 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Pekin Insurance$58.90
Direct Auto$66.90
SECURA Insurance$67.98
First Chicago Insurance$68.13

Driver's Coverage Auto Insurance Rates in Wheaton, IL

driver's coverage

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 Wheaton, the average monthly rate for a driver who is currently insured is $78.81 while drivers who are not currently covered will pay around $114.24.

CoverageAverage Monthly Rate
Not Currently Insured $114.24
Currently Insured $78.81

Compare Recent Car Insurance Quotes in Wheaton

auto insurance quotes in Wheaton city

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 Wheaton a driver of a 2017 Kia Sportage can expect to pay around $62.25 per month while someone that owns a 2005 Dodge Ram 1500 may pay around $94.24 per month. Check out the list of recent quotes in Wheaton below.

VehicleAverage Monthly Rate
2017 Kia Sportage$62.25
2005 Dodge Ram 1500$94.24
2009 Honda Civic$79.65
2004 Lincoln Town Car$147.15
2006 Kia Optima$88.63
2004 Kia Optima$72.75
2018 Chevrolet Cruze$106.22
2018 Toyota Prius$122.64
2021 Kia Seltos$75.30
2012 Honda Civic$160.92

FAQ's for Drivers in Wheaton, IL

driver’s frequently asked question in Wheaton

What Is the Minimum Liability Coverage Requirement in Wheaton, 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!

  •  $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  •  $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  •  $20,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

What Is the Blood Alcohol Concentration (BAC) limit in Wheaton, IL?

It is illegal for an individual to operate a motor vehicle in Illinois with the following BAC percentages:

  • .08%+ @ 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .01%+ @ < 21 years old

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 Wheaton, IL Nearby Cities:

Carol Stream, IL

Downers Grove, IL

Lombard, IL

Naperville, IL


Commute Time in Wheaton, IL

26.9 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Wheaton, IL


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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