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

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

Zimlon, through its research, found that car owners in Lyons, 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 Lyons, 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.


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

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

Lyons Hodgkins McCook Justice Countryside Indian Head Park
Average Insurance Rates $1,132 $1,156 $1,314 $1,259 $1,290 $1,299

Lyons, 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 Lyons, 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)
Lyons $1,137 $960
Hodgkins $2,058 $1,738
Countryside $1,170 $988
McCook $993 $839
Indian Head Park $1,178 $995
Justice $1,432 $1,209
La Grange $1,986 $1,677
Summit $2,206 $1,864

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

Teenagers in Lyons, 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 $3,673
20 Years $1,454
30 Years $1,120
40 Years $1,078
50 Years $998
60 Years $1,012
70 Years $1,178

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

Car owners in Lyons, 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 $1,947 $317
3 Vehicles $2,921 $475
4 Vehicles $3,894 $634

Savings on 2 Vehicles bundle:$317

Savings on 3 Vehicles bundle:$475

Savings on 4 Vehicles bundle:$634


Lyons, 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 Lyons, IL.

Location Average Insurance Cost Post DUI Insurance Rate
Lyons $1,132 $1,838
Hodgkins $1,156 $1,877
Countryside $1,290 $2,094
McCook $1,314 $2,133
Indian Head Park $1,299 $2,109
Justice $1,259 $2,044
La Grange $1,458 $2,367
Summit $1,244 $2,019

Lyons, 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) $971
Excellent (740-799) $1,109
Good (670-739) $1,180
Average (580-669) $1,539
Poor (300-579) $1,846

Lyons, 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 +$50 $1,182
Driver's Failure In Showing Documents +$110 $1,242
Driving With An Expired Registration +$117 $1,249
Driving At A Considerably Slow Pace +$246 $1,378
Using A Cellphone While Driving +$259 $1,391
Running A Red Light +$264 $1,396
Speeding +$277 $1,409
Driving A Vehicle Without The Required Permission +$352 $1,484
Driving With An Expired/Suspended License +$763 $1,895

Lyons, 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 $1,087
Active Disabling Device $1,087
Tracking Device $1,064
Passive Disabling Device $1,053

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

State Farm
State Farm offers many different policies to meet your needs. They have reviewed other policies with us as our situation changes to better meet our needs.
Country Financial
I believed we were overpaying and that was before our rates went up $300 a year due to my daughter's recent accident. I am unhappy with the high cost of this company.
Allstate
I honestly don't even know what my deductible is.I'm guessing its probably $1000 as that is what I have always had before. I haven't been in any wreck or anything since having this insurance.
Allstate
I believe the customer service is fairly poor. It is difficult to get any questions answered by the employees and the wait time is always upwards of an hour when calling the 1-800 number.
American Family Insurance
I think that the premium is very considerable the same price in my area no matter which insurance company I checked into for pricing.
American Family Insurance
I think that the premium is very considerable the same price in my area no matter which insurance company I checked into for pricing.
Metlife
MetLife has always been fairly easy to talk though, although I'm always transferred to another person, when I say I'm in Massachusetts. Even though they're easy to talk to, some of their answers are confusing, like rates go up for me because other folks make claims.
Allstate
infinity is very good for its coverage and works the other 24 do not compare it with any other
American National Property And Casualty Company
The customer interaction at my company is actually very, very good. If I get their voicemail, they call back immediately, and they are always incredibly helpful when I have questions or if something in my policy is confusing to me.
State Farm
It seems mostly inline with what I've seen everywhere.
State Farm
I think it's significantly higher. I've talked to them several times about the amount.
State Farm
This company has the best deal for me. The payments are easy and the other ones do not offer this same coverage.