Westmont, IL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Westmont, 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.
The Average Cost of Car Insurance in Westmont, IL, is $1,336
The Average Cost of Car Insurance in Westmont, IL, is $1,336. This cost is higher than nearby locations like Willowbrook and Downers Grove but lower than other nearby locations like Darien, Clarendon Hills, and Oak Brook. Depending on various factors like location, deductibles, age of the driver, and credit scores, the cost of car insurance in Westmont, IL, can vary. These factors are explored in detail by Zimlon below.
Location:
The neighborhood one lives in Westmont, IL, significantly influences the cost of car insurance. The make and model of the vehicle, rate of auto thefts in the neighborhood, and age of the driver are some crucial factors that can reduce or increase the cost of car insurance within the city. Zimlon offers the service of finding accurate insurance quotes using one’s zip code.
Deductibles:
Deductibles are the other most common factors influencing the cost of car insurance in Westmont, IL. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. According to Zimlon’s research, the average cost of auto insurance in Westmont, IL, on a deductible of $500 is $1,324, and this cost will decrease to $1,118 when the deductible is $1,000.
Age of the Driver:
Car owners in Westmont, IL, can lower the cost of car insurance and get various discounts by comparing multiple age of the driver based policies offered by different insurance companies. According to Zimlon’s analysis, teenagers and young drivers pay more on car insurance than older drivers. The cost of car insurance for a teenager in Westmont, IL, is $4,335. This cost reduces to $1,717 for a 20-year-old driver. For drivers between the ages of 30 to 50 years, car insurance costs are less than $1,400 in Westmont, IL.
Multi-Car Insurance:
Auto Insurance companies in Westmont, IL, offer attractive discounts on multi-car insurance policies and bundling. Car owners in Westmont, IL, can lower insurance costs by purchasing their life, auto, and home insurance from the same insurance company. According to Zimlon’s research, in Westmont, IL, residents can save $321 by insuring two cars under a multi-car insurance policy. Insuring three or four cars under the same insurer can further help to save $481 and $641, respectively.
Driving Violations:
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 the record. Zimlon’s research found that the cost of car insurance increases to $900 in Westmont, IL, for driving with an expired or suspended license. Other violations, like running a red light or speeding, can cost more than $350.
Factors that can influence the cost of car insurance in Westmont, 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.
- Westmont, IL Auto Insurance Rates
- Westmont, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Westmont, IL
- Multi Vehicle Insurance Savings in Westmont, IL
- How Credit Score Affects Car Insurance Rates in Westmont, IL
- How DUI Affects Auto Insurance Premiums in Westmont, IL
- Top Auto Insurance Agents Near Westmont, IL
- How Driving Violations Affect Auto Insurance Rates in Westmont, IL
- Westmont, IL Auto Insurance Discounts on Anti Theft Feature
- Westmont, IL Auto Insurance Company Reviews
Westmont, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Westmont, IL with that of other cities in and around Westmont.
| Westmont | Darien | Clarendon Hills | Willowbrook | Downers Grove | Oak Brook | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,336 | $1,352 | $1,469 | $1,286 | $995 | $1,683 |
Westmont, 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 Westmont, 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) |
|---|---|---|
| Westmont | $1,324 | $1,118 |
| Clarendon Hills | $1,762 | $1,489 |
| Hinsdale | $2,147 | $1,813 |
| Willowbrook | $1,826 | $1,543 |
| Downers Grove | $1,283 | $1,084 |
| Oak Brook | $2,006 | $1,695 |
| Darien | $1,022 | $863 |
| Western Springs | $2,046 | $1,728 |
Westmont, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Westmont, 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 | $4,335 |
| 20 Years | $1,717 |
| 30 Years | $1,322 |
| 40 Years | $1,272 |
| 50 Years | $1,178 |
| 60 Years | $1,194 |
| 70 Years | $1,390 |
Westmont, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Westmont, 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 | $2,351 | $321 |
| 3 Vehicles | $3,527 | $481 |
| 4 Vehicles | $4,703 | $641 |
Savings on 2 Vehicles bundle:$321
Savings on 3 Vehicles bundle:$481
Savings on 4 Vehicles bundle:$641
Westmont, 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 Westmont, IL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Westmont | $1,336 | $2,169 |
| Clarendon Hills | $1,469 | $2,385 |
| Hinsdale | $1,747 | $2,836 |
| Willowbrook | $1,286 | $2,088 |
| Downers Grove | $995 | $1,615 |
| Oak Brook | $1,683 | $2,732 |
| Darien | $1,352 | $2,195 |
| Western Springs | $1,521 | $2,469 |
Westmont, 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) | $1,146 |
| Excellent (740-799) | $1,308 |
| Good (670-739) | $1,392 |
| Average (580-669) | $1,816 |
| Poor (300-579) | $2,179 |
Westmont, 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 |
|---|---|---|---|
| Auto & Home Insurance Agency Inc | Travelers | 732 OGDEN AVE, DOWNERS GROVE, 60515 | 630-960-5450 |
| Joanna Kierys Chlystek | State Farm | 7900 S 87th Ave Frnt, Justice, 60458-1496 | 708-563-7535 |
| Linda Kuczka | State Farm | 954 W Webster Ave, Chicago, 60614-3623 | 773-975-9111 |
| Indesure Inc | Erie | 650 ROOSEVELT RD 102, GLEN ELLYN, 60137 | 630-580-5544 |
| Gail Morris | Farmers | 4415 Harrison St Ste 320, Hillside, 60162 | (708) 493-9076 |
| Tony Parrilli | State Farm | 1415 S Harlem Ave, Berwyn, 60402-4551 | 708-788-5200 |
| Stewart-Keator-Kessberger & Lederer, Inc. | None | 361 S Frontage Rd, Ste 105 , Burr Ridge, 60527 | None |
| Oak Insurance Agency Inc | Travelers | 721 WILSON LN, HINSDALE, 60521 | 630-568-3054 |
| Olsick & Company Insurance | Liberty Mutual Independent | 50 75TH ST, WILLOWBROOK, 60527 | 630-325-9199 |
Westmont, 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 | +$59 | $1,395 |
| Driver's Failure In Showing Documents | +$130 | $1,466 |
| Driving With An Expired Registration | +$138 | $1,474 |
| Driving At A Considerably Slow Pace | +$290 | $1,626 |
| Using A Cellphone While Driving | +$306 | $1,642 |
| Running A Red Light | +$311 | $1,647 |
| Speeding | +$327 | $1,663 |
| Driving A Vehicle Without The Required Permission | +$415 | $1,751 |
| Driving With An Expired/Suspended License | +$900 | $2,236 |
Westmont, 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 | $1,283 |
| Active Disabling Device | $1,283 |
| Tracking Device | $1,256 |
| Passive Disabling Device | $1,242 |
Latest Auto Insurance Reviews in Westmont, IL | Back to Top
Farm BureauMy car insurance company's customer service has been wonderful. I had a flat tire and they helped me get roadside assistance right away as a covered benefit and it was really helpful.
Farm BureauMy car insurance company's customer service has been wonderful. I had a flat tire and they helped me get roadside assistance right away as a covered benefit and it was really helpful.