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

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.

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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


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.


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.

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

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

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

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

Savings on 2 Vehicles bundle:$362

Savings on 3 Vehicles bundle:$543

Savings on 4 Vehicles bundle:$724

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

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

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

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

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

Farmer's Insurance
Farmer's Insurance offers a complete array of auto insurance products. I am able to customize my policy the way I want to.
I would reccommend this company because I did not have to wait on hold for a long amount of time and I get text and email updates on any changes.
My father is my agent so he looks around for the best deals. I am satisfied that progressive is giving me a competitive premium and good coverage.
Alfa Insurance
My premium is considerably less than other insurance companies and I have an agent who will take care of problems for me. I was paying almost $200 a month for Geico and now I pay $80 a month with Trexis for the same coverage.
State Farm
Good customer service and good online resources. I can do everything I need remotely and without have to go to a branch. A lot of things can be done on the mobile app.
Farmer's Insurance
My premium with United Auto Insurance is 1/2 the price of what other companies would cost me even if I had a $500 deductible it is very reasonable. Highly recommend
They are rude, rushed and inconsiderate. I don't think i have ever called an insurance place and gotten a decent, nice person. They need to hire more men, cause most of the time they are always women and they all have snotty attitudes.
I love the fact that I am able to quickly get someone on the phone. Seems almost like you have your own personal agent to deal with your insurance. They have online payments as well as phone payments. I am also allowed to have other people call on my behalf and pay my bill for me. Overall a very good company.