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

Zimlon, through its research, found that car owners in Niles, 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 Influencing the Cost of Auto Insurance in Niles, IL

The average cost of auto insurance in Niles, IL, is $1,206. It is lower than the price of insurance in neighboring places such as Lincolnwood, Wilmette, Kenilworth, and Morton Grove. Several factors can affect the cost of auto insurance in Niles. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.

Some of the factors that could increase the cost of auto insurance are as follows

Deductibles:

This is one of the most common factors influencing the cost of auto insurance in Niles, IL. A low deductible ($500), usually increases the value of auto insurance, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 is $1,593, and it decreases to $1,346 when the deductible is $1,000.

Credit Score:

A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be quite low.

Age Group:

The cost of auto insurance clearly depends on the age of the driver. Auto insurance is the cheapest for drivers in their fifties and sixties ($1,063 and $1,078) in Niles. Teenagers are considered to be more risk-prone to accidents and continue to find auto insurance expensive at $3,913. 

Driving Violations:

Driving Violations such as driving with an expired license or speeding can also have a severe impact on the cost of auto insurance in Niles, IL, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive. The former leads to an increase of $295, while the latter leads to an increase of $813.

DUI:

DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Niles can be as high as $1,958. 

Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.

 

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

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

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

	Niles	Lincolnwood	Wilmette	Evanston	Kenilworth	Morton Grove
Average Insurance Rates	$1,206	$1,404	$1,595	$1,105	$1,867	$1,337

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Niles, 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 Niles, 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)
Niles	$1,593	$1,346
Skokie	$1,377	$1,163
Morton Grove	$1,587	$1,341
Lincolnwood	$1,368	$1,155
Golf	$2,138	$1,806
Evanston	$1,359	$1,148
Wilmette	$2,834	$2,393
Kenilworth	$2,151	$1,817

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

Teenagers in Niles, 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	$3,913
20 Years	$1,550
30 Years	$1,194
40 Years	$1,148
50 Years	$1,063
60 Years	$1,078
70 Years	$1,255

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

Car owners in Niles, 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	$2,050	$362
3 Vehicles	$3,075	$543
4 Vehicles	$4,100	$724

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Niles, 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 Niles, IL.

Location	Average Insurance Cost	Post DUI Insurance Rate
Niles	$1,206	$1,958
Skokie	$1,253	$2,034
Morton Grove	$1,337	$2,170
Lincolnwood	$1,404	$2,279
Golf	$1,711	$2,778
Evanston	$1,105	$1,794
Wilmette	$1,595	$2,589
Kenilworth	$1,867	$3,031

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Niles, 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)	$1,035
Excellent (740-799)	$1,181
Good (670-739)	$1,257
Average (580-669)	$1,640
Poor (300-579)	$1,967

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Niles, 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
Aneta Boryczko	Allstate	6775 N Milwaukee Ave, Niles, 60714	(847) 978-4111
Rhea Joyer	State Farm	4911 N Lincoln Ave Ste C, Chicago, 60625-2609	773-878-8883
Cta Insurance Agency Inc.	Erie	7257 W Touhy Avenue Suite 200b, Chicago, 60631	None
Kane Insurance Group Inc	Erie	4016 N Lincoln Ave, Chicago, 60618	None
John E Horn & Associates Inc	Erie	6650 N NORTHWEST HWY STE 105, CHICAGO, 60631	773-467-2000
Lesser Agency	None	7250 N. Cicero Ave Suite 105, Lincolnwood, 60712	(847) 737-8924
A Garcia Agency Inc	Travelers	3746 W IRVING PARK RD, CHICAGO, 60618	773-509-0000
Tave & Associates Llc	Liberty Mutual Independent	450 SKOKIE BLVD STE 800, NORTHBROOK, 60062	(847) 267-0415
Isu Ins Svcs-Machon Agency	Liberty Mutual Independent	838 BUSSE HWY, PARK RIDGE, 60068	(847) 993-1300
Guaranteed Rate Ins	Travelers	3940 N RAVENSWOOD AVE STE B, CHICAGO, 60613	866-947-5397
Guaranteed Rate Ins	Travelers	3940 N RAVENSWOOD AVE STE B, CHICAGO, 60613	866-947-5397

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Niles, 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	+$53	$1,259
Driver's Failure In Showing Documents	+$117	$1,323
Driving With An Expired Registration	+$124	$1,330
Driving At A Considerably Slow Pace	+$262	$1,468
Using A Cellphone While Driving	+$276	$1,482
Running A Red Light	+$281	$1,487
Speeding	+$295	$1,501
Driving A Vehicle Without The Required Permission	+$375	$1,581
Driving With An Expired/Suspended License	+$813	$2,019

Niles, 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	$1,158
Active Disabling Device	$1,158
Tracking Device	$1,134
Passive Disabling Device	$1,122

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