Best Auto Insurance Rates in DeKalb, Illinois

On average your neighbors pay $67 a month.

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Friday, November 9 2018 By Shantae Young

Home to the Northern Illinois University Huskies, DeKalb, Illinois, has a lot to offer residents despite its small size. Located only 60 miles from Chicago, not to mention cities like Aurora and Rockford, DeKalb offers easy access to Interstate 88 or Interstate 39. That basically allows residents to go anywhere they need to go.

Of course, more people traveling in an out of DeKalb means more traffic. And that, in turn, likely means higher car insurance rates. Thankfully, we can help with that last part.

Average DeKalb Car Insurance Rates

How much is car insurance in DeKalb, IL? Rates here can be expensive. Many pay higher premums than both the state and national average. Prices will vary depending on several factors including your driving record, type of car, coverage, policy limits, and the number of claims filed in your zip code. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois' average insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near DeKalb, Illinois and save up to 40% on your premium.

Last year, many people used QuoteWizard to compare auto insurance quotes in DeKalb, IL from multiple companies.

Best Car Insurance Companies in DeKalb, IL

This is our list of the most common car insurance companies reported by QuoteWizard users in DeKalb, Illinois last year.

  1. State Farm
  2. Allstate
  3. GEICO
  4. Farmers
  5. Progressive
  6. Country Financial
  7. American Family
  8. AAA
  9. Liberty Mutual
  10. Travelers
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Top 10 Vehicles in DeKalb

These are the most common car makes and models owned by DeKalb, IL drivers who requested quotes through QuoteWizard last year.

  1. Ford Taurus SE/LX
  2. Chevrolet Impala
  3. Chevrolet Malibu
  4. Oldsmobile Intrigue GL
  5. Dodge Grand Caravan SE
  6. Chevrolet Malibu LS
  7. Honda Accord LX
  8. Nissan Altima XE/GXE/SE/GLE
  9. Honda Civic EX
  10. Honda CR-V LX
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Minimum Car Insurance Requirements in Dekalb, IL

DeKalb, Illinois, has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most insurance companies will pay in total for every person injured in an accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a crash.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence DeKalb insurance rates.

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Weather

DeKalb, Illinois has a warm and humid climate, much like the rest of Illinois. It experiences an average of 195 sunny days each year and around 118 days with some amount of precipitation. Snow is common in this area, with DeKalb receiving about 33 inches annually. Unfortunately for locals, that often means slick roads and traffic accidents.

Road Conditions

According to Tripnet.org, 67 percent of Illinois’ major roads are in poor or mediocre condition. These poorly maintained roads costs drivers $4.4 billion, or $540 per motorist, in extra vehicle operating costs per year. These costs are a direct result of driving on rough roads that can damage cars and contribute to car accidents.

According to the Daily Chronicle, the City of DeKalb used Infrastructure Management Services (IMS) to rank the condition of its pavement. A rating of 59 or below means failing conditions and streets, while ratings between 60 and 79 are considered "pre-failing." After using the software, DeKalb streets were rated a 78, which means pre-failing.

Traffic Congestion

According to traffic data provider Inrix, DeKalb commuters suffer from traffic congestion from time to time. DeKalb commuters spend a total of eight extra hours in traffic each year. On top of that, they also spend around $187 in traffic congestion costs.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.

Traffic Tickets

The McLean County Clerk of Courts website allows residents to pay traffic tickets and provides other court information.

The DeKalb Police Department made 12,372 traffic stops in 2015, a nine percent decrease from the 13,604 traffic stops made in 2014.

DeKalb PD also issued 3,673 traffic citations in 2015, a 12 percent decrease from 2014’s 4,194 traffic citations.

Drunk Driving Arrests

Driving under the influence (DUI) arrests can have a big impact on your insurance rates. During 2015, DeKalb PD made 141 DUI arrests. That’s a 21 percent decrease from the 178 drivers arrested in 2014.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Dekalb DUI insurance.

Car Accidents Statistics

DeKalb PD reported 1,415 car accidents in 2015. They resulting in 193 injuries and one fatality. This is an 11 percent increase from 2014’s 1,277 car accidents.

Vehicle Theft Rates

There were 20 motor vehicle thefts in DeKalb in 2014. That equates to a theft rate of 0.45 per 1,000 residents—well below the national average of 2.16 per 1,000 people. Compared to other cities, it's pretty safe to own a car in DeKalb.

Car Insurance Discounts in DeKalb

Do you want cheap car insurance? Discounts are one of the best ways to lower your rates. These are some of the many car insurance discounts available to DeKalb drivers.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  2. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  3. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  4. Maintain at least a B grade point average in school to qualify for the good student discount
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. Get a new car with advanced safety features like electronic stability control or anti-lock brakes
  7. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  8. Are you married or getting married soon? Some insurers offer a discount to married couples
  9. Take a defensive driving course from an accredited driver safety school
  10. Shop around and compare low-cost DeKalb car insurance quotes

Sources:

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