St. Joseph Auto Insurance Rates, Quotes, Agents & Reviews in IL

St. Joseph, IL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in St. Joseph, 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 St. Joseph, 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.


St. Joseph, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

St. Joseph Ogden Stanton Sidney Cunningham Urbana
Average Insurance Rates $1,617 $1,231 $1,257 $1,238 $1,595 $910

St. Joseph, 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 St. Joseph, 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)
St. Joseph $1,983 $1,675
Stanton $1,675 $1,415
Ogden $1,677 $1,416
Sidney $1,121 $947
Cunningham $937 $792
Urbana $1,098 $927
South Homer $1,099 $928
Champaign County $1,693 $1,430

St. Joseph, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in St. Joseph, 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 $5,247
20 Years $2,078
30 Years $1,600
40 Years $1,540
50 Years $1,426
60 Years $1,446
70 Years $1,683

St. Joseph, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in St. Joseph, 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 $2,749 $485
3 Vehicles $4,123 $728
4 Vehicles $5,498 $970

Savings on 2 Vehicles bundle:$485

Savings on 3 Vehicles bundle:$728

Savings on 4 Vehicles bundle:$970


St. Joseph, 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 St. Joseph, IL.

Location Average Insurance Cost Post DUI Insurance Rate
St. Joseph $1,617 $2,625
Stanton $1,257 $2,041
Ogden $1,231 $1,998
Sidney $1,238 $2,010
Cunningham $1,595 $2,589
Urbana $910 $1,477
South Homer $1,216 $1,974
Champaign County $1,242 $2,016

St. Joseph, 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) $1,387
Excellent (740-799) $1,584
Good (670-739) $1,685
Average (580-669) $2,198
Poor (300-579) $2,638

St. Joseph, 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
Thomas & Ellars Insurance Agency Inc. Erie 401 Devonshire Drive, Champaign, 61820 None
Nick Smith State Farm 2704 Boulder Dr Ste C, Urbana, 61802-7832 217-239-4282
Dustin Hiser Allstate 604 S Neil St Ste 104, Champaign, 61820 (217) 359-0232
Greater Midstates Insurance Agency Inc Travelers 102 S OLIVE, ROYAL, 61871 217-583-3162
Sticklen Insurance Agency Erie 3109 East Tatman Court 3109 East Tatman Court, Urbana, 61802 None
Tom Armstrong State Farm 539 E Walnut St, Watseka, 60970-1456 815-432-4660
Greater Midstates Insurance Agency Inc Travelers 39 E JONES ST, MILFORD, 60953 815-889-4044

St. Joseph, 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 +$71 $1,688
Driver's Failure In Showing Documents +$157 $1,774
Driving With An Expired Registration +$167 $1,784
Driving At A Considerably Slow Pace +$351 $1,968
Using A Cellphone While Driving +$370 $1,987
Running A Red Light +$377 $1,994
Speeding +$396 $2,013
Driving A Vehicle Without The Required Permission +$503 $2,120
Driving With An Expired/Suspended License +$1,090 $2,707

St. Joseph, 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 $1,552
Active Disabling Device $1,552
Tracking Device $1,520
Passive Disabling Device $1,504