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.
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 Rates
- Lyons, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lyons, IL
- Multi Vehicle Insurance Savings in Lyons, IL
- How Credit Score Affects Car Insurance Rates in Lyons, IL
- How DUI Affects Auto Insurance Premiums in Lyons, IL
- How Driving Violations Affect Auto Insurance Rates in Lyons, IL
- Lyons, IL Auto Insurance Discounts on Anti Theft Feature
- Lyons, IL Auto Insurance Company Reviews
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 FarmState 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 FinancialI 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.
AllstateI 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.
AllstateI 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 InsuranceI 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 InsuranceI think that the premium is very considerable the same price in my area no matter which insurance company I checked into for pricing.
MetlifeMetLife 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.
Allstateinfinity is very good for its coverage and works the other 24 do not compare it with any other
American National Property And Casualty CompanyThe 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 FarmIt seems mostly inline with what I've seen everywhere.
State FarmI think it's significantly higher. I've talked to them several times about the amount.
State FarmThis company has the best deal for me. The payments are easy and the other ones do not offer this same coverage.