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

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

Zimlon, through its research, found that car owners in Geneva, 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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Low Cost Car Insurance in Geneva, IL

The average cost of car insurance in Geneva, IL, is $1,355. Auto insurance is a significant purchase. Exploring your protection options before you commit is always a good idea. Before shopping for car insurance in Geneva, IL, take the time to consider what types of coverage you might need, what your deductible amount will be, coverage type, etc. Car owners living in high-risk areas must also consider opting for specialized coverage that will get them covered during the time of crisis.

Apart from that, the cost of car insurance in Geneva, IL, is determined after scrutinizing certain factors. Car owners must understand these factors as they play a vital role in deciding the car insurance rates in Geneva, IL. A few such factors include the age of the driver, location, area of residence (ZIP code), marital status, gender, age, claims history, anti-theft features, car model, and many more. Zimlon has explored these factors in detail. 

a. Deductible

A higher deductible can save a few dollars on your car insurance in Geneva, IL, but it's important to know what it is and how it works before you decide to choose a higher one. The deductible is the amount of money you pay before your insurance kicks in. A higher deductible will lead to a lower insurance premium. Still, it is advised to opt for a higher deductible only if you can pay the deductible out of your pocket. For example, car owners in Geneva who opted for 1000 deductible have to pay $1,405, while auto owners who opted for 500 deductible have to pay $1,663.

b. The age of the driver

Insurance companies consider young drivers as inexperienced and consider them as higher risk than average drivers. Therefore, teenagers pay $4,397 on car insurance in Geneva, IL. In contrast, middle-aged drivers are considered responsible behind the wheel, because of which they pay less premium when compared to teenage drivers in Geneva, IL. Drivers aged 21-30 pay $1,341 on car insurance in Geneva, IL.

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c. Driving history

You can be found at fault for various reasons, such as hitting another vehicle or object, causing an accident, or even because you reversed into something. Regardless of who is at fault, you could still see your car insurance premium increase significantly due to an accident. Therefore, car owners must avoid disobeying driving rules and maintain a spotless driving history to save money on car insurance in Geneva, IL. For example, auto owners driving a car at a considerably slow pace pays $1,649 on car insurance in Geneva, IL, where the premium increases by $294. 

Factors that can influence the cost of car insurance in Geneva, 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.


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

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

Geneva Blackberry West Chicago St. Charles Winfield Batavia
Average Insurance Rates $1,355 $1,373 $1,300 $1,349 $951 $933

Geneva, 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 Geneva, 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)
Geneva $1,663 $1,405
Batavia $1,580 $1,335
St. Charles $1,583 $1,337
North Aurora $1,705 $1,440
West Chicago $1,339 $1,131
Winfield $2,141 $1,809
Blackberry $1,912 $1,615
Elburn $1,789 $1,511

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

Teenagers in Geneva, 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 $4,397
20 Years $1,741
30 Years $1,341
40 Years $1,290
50 Years $1,195
60 Years $1,211
70 Years $1,410

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

Car owners in Geneva, 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 $2,331 $379
3 Vehicles $3,496 $569
4 Vehicles $4,661 $759

Savings on 2 Vehicles bundle:$379

Savings on 3 Vehicles bundle:$569

Savings on 4 Vehicles bundle:$759


Geneva, 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 Geneva, IL.

Location Average Insurance Cost Post DUI Insurance Rate
Geneva $1,355 $2,200
Batavia $933 $1,515
St. Charles $1,349 $2,190
North Aurora $1,296 $2,104
West Chicago $1,300 $2,110
Winfield $951 $1,544
Blackberry $1,373 $2,229
Elburn $1,316 $2,136

Geneva, 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) $1,163
Excellent (740-799) $1,327
Good (670-739) $1,412
Average (580-669) $1,842
Poor (300-579) $2,210

Geneva, 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
Josh Champ Champneys State Farm 1100 Jorie Blvd Ste 132, Oak Brook, 60523-4402 630-568-3682
Eggar Insurance Agency Inc Allstate 2020 Dean St Ste J, Saint Charles, 60174 (630) 225-9325
Dutch Van Rossum State Farm 978 S Bartlett Rd, Bartlett, 60103-6500 630-289-9850
W M Lauhoff & Company Travelers 0-N 701 BARRY AVE, WHEATON, 60187 630-668-1811
Larry Grippo Farmers 320 S County Farm Rd, Wheaton, 60187 (630) 682-0560
David Schwaba Allstate 1101 W Irving Park Rd Ste 200, Bensenville, 60106 (630) 595-5131
Nick Janet State Farm 342 E North Avenue, Lombard, 60148-1303 630-627-1679
Maria Ruggiero Liberty Mutual 27201 Bella Vista Parkway Suite 110, Warrenville, 60555 1-630-836-1025
Maria Ruggiero Liberty Mutual 27201 Bella Vista Parkway Suite 110, Warrenville, 60555 1-630-836-1025
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Russ Spinelli State Farm 1525 E 53rd St Ste 727, Chicago, 60615-4575 773-955-3133

Geneva, 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 +$60 $1,415
Driver's Failure In Showing Documents +$131 $1,486
Driving With An Expired Registration +$140 $1,495
Driving At A Considerably Slow Pace +$294 $1,649
Using A Cellphone While Driving +$310 $1,665
Running A Red Light +$316 $1,671
Speeding +$332 $1,687
Driving A Vehicle Without The Required Permission +$421 $1,776
Driving With An Expired/Suspended License +$913 $2,268

Geneva, 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 $1,301
Active Disabling Device $1,301
Tracking Device $1,274
Passive Disabling Device $1,260

Latest Auto Insurance Reviews in Geneva, IL | Back to Top

Allstate
i really appreciate how nice the allstate reps are, i've had a few wrecks in my time and they always fix things up in a giffy. So great!
Allstate
i really appreciate how nice the allstate reps are, i've had a few wrecks in my time and they always fix things up in a giffy. So great!
Country Financial
I am completely satisfied with my car insurance policy offering; I haven't had any reason to think otherwise. My company is a good, solid company, not a fly-by-night one.