Addison, IL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Addison, IL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors Influencing the Cost of Car Insurance in Addison, IL
The average cost of auto insurance in Addison, IL, is $1,098. This is much lower than neighboring places such as Villa Park ($1,296), Bensenville ($1,275), Itasca ($1,352), and Franklin Park ($1,260). The cost of auto insurance depends on numerous factors such as the age of the driver, make and model of the car, the neighborhood one lives in, deductibles, and driving record. Some of the factors are explored here.
DEDUCTIBLE:
Deductibles are one of the most common factors that affect the cost of auto insurance. If the car owner opts for a high deductible, the cost of auto insurance decreases, while it increases if the car owners choose a lower deductible. For example, if the deductible is $500, the cost of auto insurance is $1,082. It comes down to $914 when the deductible is higher, say $1,000.
AGE OF THE DRIVER:
The age of the driver is an important factor in determining the cost of auto insurance. The cost of auto insurance decreases with an increase in the driving experience. This is perhaps why auto insurance is most expensive for teenagers. Teenagers in Addison have to shell out a massive $3,563 to obtain auto insurance. This is double the amount the next age group pays for insurance. Auto insurance in Addison is cheapest for car owners who are in their fifties and sixties. The average cost of auto insurance for a 50-year-old in Addison is $968, while it is $982 for a 60-year-old.
DUI:
DUI is a serious offense that could have a lasting effect on the cost of auto insurance in Addison. The types of DUI in the state of New York are as follows:
-
Driving While Intoxicated (DWI):
Driving when the BAC is 0.08 or higher.
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Aggravated Driving While Intoxicated (Aggravated DWI) :
Driving when the BAC is 0.18 or higher.
-
Driving While Ability Impaired by Alcohol:
More than 0.05 BAC but less than 0.07 BAC or other evidence of impairment.
According to the CDC, between 2003 and 2012, the state of New York reported 3,752 fatalities as a result of crashes involving a drunk driver. The cost of auto insurance in New York after DUI goes up to $1,782 from $1,098.
Factors that can influence the cost of car insurance in Addison, IL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Addison, IL Auto Insurance Rates
- Addison, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Addison, IL
- Multi Vehicle Insurance Savings in Addison, IL
- How Credit Score Affects Car Insurance Rates in Addison, IL
- How DUI Affects Auto Insurance Premiums in Addison, IL
- Top Auto Insurance Agents Near Addison, IL
- How Driving Violations Affect Auto Insurance Rates in Addison, IL
- Addison, IL Auto Insurance Discounts on Anti Theft Feature
- Addison, IL Auto Insurance Company Reviews
Addison, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Addison, IL with that of other cities in and around Addison.
| Addison | Villa Park | Bensenville | Itasca | Elmhurst | Franklin Park | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,098 | $1,296 | $1,275 | $1,352 | $1,026 | $1,260 |
Addison, IL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Addison, IL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Addison | $1,082 | $914 |
| Wood Dale | $1,158 | $978 |
| Bensenville | $1,743 | $1,472 |
| Itasca | $1,437 | $1,214 |
| Elmhurst | $1,480 | $1,250 |
| Villa Park | $1,776 | $1,500 |
| Northlake | $1,478 | $1,248 |
| Franklin Park | $1,271 | $1,074 |
Addison, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Addison, IL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,563 |
| 20 Years | $1,411 |
| 30 Years | $1,087 |
| 40 Years | $1,046 |
| 50 Years | $968 |
| 60 Years | $982 |
| 70 Years | $1,143 |
Addison, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Addison, IL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,932 | $264 |
| 3 Vehicles | $2,899 | $395 |
| 4 Vehicles | $3,865 | $527 |
Savings on 2 Vehicles bundle:$264
Savings on 3 Vehicles bundle:$395
Savings on 4 Vehicles bundle:$527
Addison, IL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Addison, IL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Addison | $1,098 | $1,782 |
| Wood Dale | $1,289 | $2,093 |
| Bensenville | $1,275 | $2,070 |
| Itasca | $1,352 | $2,195 |
| Elmhurst | $1,026 | $1,666 |
| Villa Park | $1,296 | $2,104 |
| Northlake | $1,249 | $2,028 |
| Franklin Park | $1,260 | $2,045 |
Addison, IL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $942 |
| Excellent (740-799) | $1,075 |
| Good (670-739) | $1,144 |
| Average (580-669) | $1,493 |
| Poor (300-579) | $1,791 |
Addison, IL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Peak Financial Group Llc | Erie | 7330 W Lawrence Avenue, Harwood Heights, 60706 | None |
| Mccarthy And Company Llc | Erie | 455 N Roselle Road, Roselle, 60172 | None |
| Affiliated Agencies | Travelers | 188 INDUSTRIAL DRIVE SUITE 136, ELMHURST, 60126 | 630-279-2727 |
| The Johnson Insurance Agency Inc | Travelers | 450 E HIGGINS RD STE 200, ELK GROVE VILLAGE, 60007 | 847-437-0030 |
| Krishna Insurance Group | Travelers | 2080 DUBLIN LANE, HANOVER PARK, 60133 | 630-842-0618 |
| Gary Lemenager | State Farm | 1250 W Lake St Ste 2, Addison, 60101-5744 | 630-628-0700 |
| Alma Rodriguez | Farmers | 9157 W Cermak Rd, North Riverside, 60546 | (708) 442-0500 |
| Charles Towns | Allstate | 221 E Lake St Ste 208, Addison, 60101 | (630) 834-4444 |
| Erich Held Cic | Farmers | 800 E Northwest Hwy Ste 110, Mt Prospect, 60056 | (847) 637-5037 |
| Desiderio Javier | Allstate | 6774 N Northwest Hwy Ste 1, Chicago, 60631 | (773) 792-3600 |
| Slawomir Jarmula | Farmers | 7220 N Harlem Ave, Chicago, 60631 | (773) 774-1000 |
Addison, IL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$48 | $1,146 |
| Driver's Failure In Showing Documents | +$107 | $1,205 |
| Driving With An Expired Registration | +$113 | $1,211 |
| Driving At A Considerably Slow Pace | +$238 | $1,336 |
| Using A Cellphone While Driving | +$251 | $1,349 |
| Running A Red Light | +$256 | $1,354 |
| Speeding | +$269 | $1,367 |
| Driving A Vehicle Without The Required Permission | +$341 | $1,439 |
| Driving With An Expired/Suspended License | +$740 | $1,838 |
Addison, IL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,054 |
| Active Disabling Device | $1,054 |
| Tracking Device | $1,032 |
| Passive Disabling Device | $1,021 |
Latest Auto Insurance Reviews in Addison, IL | Back to Top
Farmer's InsuranceMy Deductible is $500 which is offered by most insurance policies. I have roadside assistance, rental premium for up to 15 days, and also my rate will not go up since I have had no accidents.
State Farmthey go above and beyond to handle any and every concern I have. The accommodate me by any means necessary. Also they are the friendliest customer service agents I have ever encountered.
American Family InsuranceI have been very satisfied with the policy offerings of my company. I have had to file a claim in the past, and the results were very fair and honest.
ProgressiveI am completely satisfied because I needed a cheaper coverage for a car due to recent car accident and Progressive gave me a very good deal (they kept my history with them and used it as a credit)
Farmer's InsuranceMy experience with my current company is a positive one. Once, when I did not have towing as part of my policy, they still had someone come out to me! They state safety 1st!
Safety InsuranceThe company that holds my car insurance company is pretty reactive to any questions or concerns that I have. They are quick to answer questions.
ProgressiveLast time I shopped as about a year ago. Progressive was almost half the cost of my old insurance through State Farm, and for about the same level of coverage.
MercuryIn 2015, I had an accident that was caused by the other driver. Mercury's customer service is exceptional. I filed a claim a few hours after the accident occurred, and 6 days later, I received a check from Mercury to pay for repairs for my car.
AaaCustomer support is good other than the fact that each department has its own customer service lines so if you have multiple questions you have to call multiple lines.