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

Capital, IL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Capital, 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 that can influence the cost of car insurance in Capital, 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.

Capital, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Capital, IL with that of other cities in and around Capital.

Capital Jerome Woodside Leland Grove Sangamon County Southern View
Average Insurance Rates $1,222 $1,205 $1,203 $1,285 $1,229 $1,195

Capital, 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 Capital, 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)
Springfield $1,331 $1,124
Capital $1,337 $1,129
Leland Grove $2,068 $1,747
Grandview $1,398 $1,181
Jerome $1,919 $1,621
Southern View $1,918 $1,620
Sangamon County $1,820 $1,537
Woodside $1,934 $1,634

Capital, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Capital, 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 $3,965
20 Years $1,570
30 Years $1,209
40 Years $1,164
50 Years $1,078
60 Years $1,093
70 Years $1,272

Capital, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Capital, 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 $2,077 $367
3 Vehicles $3,116 $550
4 Vehicles $4,155 $733

Savings on 2 Vehicles bundle:$367

Savings on 3 Vehicles bundle:$550

Savings on 4 Vehicles bundle:$733

Capital, 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 Capital, IL.

Location Average Insurance Cost Post DUI Insurance Rate
Springfield $1,087 $1,765
Capital $1,222 $1,984
Leland Grove $1,285 $2,086
Grandview $1,184 $1,922
Jerome $1,205 $1,956
Southern View $1,195 $1,940
Sangamon County $1,229 $1,995
Woodside $1,203 $1,953

Capital, 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) $1,048
Excellent (740-799) $1,197
Good (670-739) $1,273
Average (580-669) $1,661
Poor (300-579) $1,993

Capital, 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
Goodenow Insurance Agency Inc Erie 1207 N 8TH, SPRINGFIELD, 62702 217-523-5443
Douglas Mayfield Allstate 400 Chatham Rd Ste 101A, Springfield, 62704 (217) 787-9500
Forsyth Insurance Group Travelers 430 EAST VINE, SPRINGFIELD, 62703 217-529-8878
Ed Blasius State Farm 2025 W Iles Avenue, Springfield, 62704-4197 217-787-0377
Sara Freitag State Farm 1200 W Jefferson St Ste A, Springfield, 62702-3695 217-546-3434
Andrew Koester Farmers 2925 S Meadowbrook Rd Ste F, Springfield, 62711 (217) 737-0155
Josh Huff Farmers 318 E Monroe St, Springfield, 62701 (217) 679-5116
Insurance Center Allstate 527 S Promenade St, Havana, 62644 (309) 543-2208
Jeff Elston State Farm 1405 Stevenson Drive, Springfield, 62703-4255 217-698-1963

Capital, 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 +$54 $1,276
Driver's Failure In Showing Documents +$119 $1,341
Driving With An Expired Registration +$126 $1,348
Driving At A Considerably Slow Pace +$265 $1,487
Using A Cellphone While Driving +$280 $1,502
Running A Red Light +$285 $1,507
Speeding +$299 $1,521
Driving A Vehicle Without The Required Permission +$380 $1,602
Driving With An Expired/Suspended License +$824 $2,046

Capital, 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 $1,173
Active Disabling Device $1,173
Tracking Device $1,149
Passive Disabling Device $1,136