Addison Auto Insurance Rates, Quotes, Agents & Reviews in IL

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.

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Factors Influencing the Cost of Car Insurance in Addison, IL

factors_influencing_the_cost_of_car_insurance

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.

  • 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.

Auto Insurance Rates in Addison, IL

The average cost of car insurance in Addison, IL is $1098.  Auto Insurance quotes vary widely based on individual rating factors which are explored more thoroughly by Zimlon below. The cheapest type of auto insurance that a person can have varies depending on their age and location when purchasing it as well as other various different requirements set forth by state law or any company they may be buying from with a range of rates.

Check out the factors and related discounts available in Addison, IL in detail given below.

Multi Car Insurance Rates 

Car owners in Addison can save money on insurance by bundling coverage from the same provider. Bundled rates are lower because one company is handling your policies and claims instead of multiple companies.The average savings one can get are as follows.

auto_insurance_rates_in_addison_il

Based on age age of the driver

The insurance rates for teenagers and young drivers are inflated because they are seen as more irresponsible behind the wheel. In Addison, teens pay a higher average of $3563 in auto insurance costs than older adults aged 30-40 years old who only spend an average of $1087 and $1046 respectively. Addison car owners can get cheaper insurance rates by comparing age of driver-based policies and taking advantage of discounts like good student/driver discount or defensive driving.

Based on credit score

Car insurance can be cheaper for car owners who have excellent credit scores and clean driving records. Zimlon's research found that in Addison if you are an "excellent" driver with a score of 800 and more, your average annual premium is $942  but when you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, then your premiums will shoot up by 100%. In other words, car owners with good credit scores pay less than the average insurance cost whereas car owners with poor credit scores pay upto $1791  as their premium in Addison.

Based on security features 

Cars that are equipped with safety devices not only protect the vehicle and  passengers but can also save money.Car insurance companies in Addison provide discounts to guardians of the road who install as many protective measures on their vehicles. The cost savings vary depending on which type or number of protective features have been installed. Zimlon’s research found that car owners in Addison can reduce their auto insurance costs to $1021 by installing passive disabling devices. Installing features like an audible alarm or an active disabling device can also reduce the insurance costs to $1054 in Addison. Average Insurance cost for cars with active  tracking devices is $1032.

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 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 Insurance
My 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 Farm
they 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 Insurance
I 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.
Progressive
I 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 Insurance
My 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 Insurance
The company that holds my car insurance company is pretty reactive to any questions or concerns that I have. They are quick to answer questions.
Progressive
Last 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.
Mercury
In 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.
Aaa
Customer 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.