Woodstock, IL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Woodstock, 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 Cost of Insuring Your Car in Woodstock, IL, is $1,250
The Average Cost of Car Insurance in Woodstock, IL, is $1,250. This cost is higher than nearby locations like McHenry County but lower than other neighboring locations like Seneca, Wonder Lake, Bull Valley, and Greenwood. Depending on various factors like location, deductibles, age of the driver, and credit scores, the cost of car insurance in Woodstock, IL, can vary for different individuals. These factors are explored in detail by Zimlon below.
Location:
The neighborhood one lives in Woodstock, 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 Woodstock, 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 Woodstock, IL, on a deductible of $500 is $2,022, and this cost will decrease to $1,708 when the deductible is $1,000.
Multi-Car Insurance:
Auto Insurance companies in Woodstock, IL, offer attractive discounts on multi-car insurance policies and bundling. Car owners in Woodstock, IL, can lower insurance costs by purchasing their life, auto, and home insurance from the same insurance company. The average savings one can obtain are as follows:
Age of the Driver:
Car owners in Woodstock, 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 Woodstock, IL, is $4,056. This cost reduces to $1,606 for a 20-year-old driver. For drivers between the ages of 30 to 50 years, car insurance costs are less than $1,300 in Woodstock, IL.
Credit Scores:
Car owners in Woodstock, IL, can also make car insurance less expensive by maintaining positive credit scores. Several auto insurance companies provide considerable discounts to car owners with a higher positive credit score and a clean driving history. Zimlon’s research found that car owners with a “good” credit score of 670-739 will have to pay $1,303. Whereas, for a “poor” credit score of 300-579 cost of car insurance in Woodstock, IL, can get as high as $2,039.
Factors that can influence the cost of car insurance in Woodstock, 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.
- Woodstock, IL Auto Insurance Rates
- Woodstock, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Woodstock, IL
- Multi Vehicle Insurance Savings in Woodstock, IL
- How Credit Score Affects Car Insurance Rates in Woodstock, IL
- How DUI Affects Auto Insurance Premiums in Woodstock, IL
- How Driving Violations Affect Auto Insurance Rates in Woodstock, IL
- Woodstock, IL Auto Insurance Discounts on Anti Theft Feature
Woodstock, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Woodstock, IL with that of other cities in and around Woodstock.
| Woodstock | Seneca | Wonder Lake | McHenry County | Bull Valley | Greenwood | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,250 | $1,333 | $1,381 | $1,082 | $1,417 | $1,378 |
Woodstock, 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 Woodstock, 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) |
|---|---|---|
| Woodstock | $2,022 | $1,708 |
| McHenry County | $2,076 | $1,754 |
| Dorr | $2,924 | $2,470 |
| Bull Valley | $1,795 | $1,516 |
| Greenwood | $1,455 | $1,229 |
| Seneca | $1,374 | $1,161 |
| Wonder Lake | $1,332 | $1,125 |
| Lakewood | $1,500 | $1,267 |
Woodstock, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Woodstock, 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 | $4,056 |
| 20 Years | $1,606 |
| 30 Years | $1,237 |
| 40 Years | $1,190 |
| 50 Years | $1,102 |
| 60 Years | $1,118 |
| 70 Years | $1,301 |
Woodstock, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Woodstock, 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 | $2,150 | $350 |
| 3 Vehicles | $3,225 | $525 |
| 4 Vehicles | $4,300 | $700 |
Savings on 2 Vehicles bundle:$350
Savings on 3 Vehicles bundle:$525
Savings on 4 Vehicles bundle:$700
Woodstock, 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 Woodstock, IL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Woodstock | $1,250 | $2,029 |
| McHenry County | $1,082 | $1,757 |
| Dorr | $1,261 | $2,047 |
| Bull Valley | $1,417 | $2,300 |
| Greenwood | $1,378 | $2,237 |
| Seneca | $1,333 | $2,164 |
| Wonder Lake | $1,381 | $2,242 |
| Lakewood | $1,400 | $2,273 |
Woodstock, 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) | $1,072 |
| Excellent (740-799) | $1,224 |
| Good (670-739) | $1,303 |
| Average (580-669) | $1,699 |
| Poor (300-579) | $2,039 |
Woodstock, 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 | +$55 | $1,305 |
| Driver's Failure In Showing Documents | +$121 | $1,371 |
| Driving With An Expired Registration | +$129 | $1,379 |
| Driving At A Considerably Slow Pace | +$271 | $1,521 |
| Using A Cellphone While Driving | +$286 | $1,536 |
| Running A Red Light | +$291 | $1,541 |
| Speeding | +$306 | $1,556 |
| Driving A Vehicle Without The Required Permission | +$389 | $1,639 |
| Driving With An Expired/Suspended License | +$843 | $2,093 |
Woodstock, 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 | $1,200 |
| Active Disabling Device | $1,200 |
| Tracking Device | $1,175 |
| Passive Disabling Device | $1,163 |