Wheaton, IL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Wheaton, 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 Wheaton, 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.
- Wheaton, IL Auto Insurance Rates
- Wheaton, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Wheaton, IL
- Multi Vehicle Insurance Savings in Wheaton, IL
- How Credit Score Affects Car Insurance Rates in Wheaton, IL
- How DUI Affects Auto Insurance Premiums in Wheaton, IL
- How Driving Violations Affect Auto Insurance Rates in Wheaton, IL
- Wheaton, IL Auto Insurance Discounts on Anti Theft Feature
- Wheaton, IL Auto Insurance Company Reviews
Wheaton, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Wheaton, IL with that of other cities in and around Wheaton.
| Wheaton | Warrenville | Carol Stream | Glen Ellyn | Lombard | Milton | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $942 | $1,277 | $981 | $1,431 | $983 | $1,379 |
Wheaton, 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 Wheaton, 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) |
|---|---|---|
| Wheaton | $1,412 | $1,193 |
| Milton | $1,915 | $1,617 |
| DuPage County | $994 | $840 |
| Glen Ellyn | $1,890 | $1,596 |
| Glendale Heights | $2,034 | $1,718 |
| Carol Stream | $971 | $820 |
| Warrenville | $1,446 | $1,221 |
| Lombard | $1,262 | $1,066 |
Wheaton, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Wheaton, 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 | $3,057 |
| 20 Years | $1,210 |
| 30 Years | $932 |
| 40 Years | $897 |
| 50 Years | $831 |
| 60 Years | $842 |
| 70 Years | $980 |
Wheaton, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Wheaton, 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 | $1,658 | $226 |
| 3 Vehicles | $2,487 | $339 |
| 4 Vehicles | $3,316 | $452 |
Savings on 2 Vehicles bundle:$226
Savings on 3 Vehicles bundle:$339
Savings on 4 Vehicles bundle:$452
Wheaton, 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 Wheaton, IL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Wheaton | $942 | $1,529 |
| Milton | $1,379 | $2,239 |
| DuPage County | $1,337 | $2,170 |
| Glen Ellyn | $1,431 | $2,323 |
| Glendale Heights | $1,116 | $1,812 |
| Carol Stream | $981 | $1,593 |
| Warrenville | $1,277 | $2,073 |
| Lombard | $983 | $1,596 |
Wheaton, 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) | $808 |
| Excellent (740-799) | $923 |
| Good (670-739) | $982 |
| Average (580-669) | $1,281 |
| Poor (300-579) | $1,537 |
Wheaton, 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 | +$41 | $983 |
| Driver's Failure In Showing Documents | +$91 | $1,033 |
| Driving With An Expired Registration | +$97 | $1,039 |
| Driving At A Considerably Slow Pace | +$204 | $1,146 |
| Using A Cellphone While Driving | +$216 | $1,158 |
| Running A Red Light | +$219 | $1,161 |
| Speeding | +$231 | $1,173 |
| Driving A Vehicle Without The Required Permission | +$293 | $1,235 |
| Driving With An Expired/Suspended License | +$635 | $1,577 |
Wheaton, 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 | $904 |
| Active Disabling Device | $904 |
| Tracking Device | $885 |
| Passive Disabling Device | $876 |
Latest Auto Insurance Reviews in Wheaton, IL | Back to Top
ProgressiveWe haven't dealt with my car insurance company's customer service yet as we were able to get our insurance online with minimal engagement, but if you'd consider that part of the deal then it went very well.
ProgressiveThe premium is higher than some of the other auto insurance companies I have had in the past. There is an option to keep the deductible lower with a monthly premium which I chose to waive.
Liberty MutualI have only filed one minor claim in the 20 years I have been insured with them, and the customer service was as expected. It was ok, but nothing special.
Allstatemy car insurance company policy offerings compared to other insurance providers is comparable. they offer almost every possible option, even on things i have not thout about.
State FarmMy rates have skyrocketed recently. It's really not with the money or aggravation anymore.
State FarmThe overall deductible I feel is average. I do not like that we have a $250 deductible to fix a rock chip in the windshield when other companies provide this as a complimentary service.
State FarmIn this case the premium was a little higher but i stayed mainly because of the customer service.
State FarmI am completely satisfied with the company offerings from home to auto insurance and all the bundle offerings.The car insurance policy offering is great for windshield damage and liability.
Horace MannOur premium is a good price since we have our home and auto insurance combined along with other discounts that we qualify for.