Best Auto Insurance Rates in Evanston, Illinois

On average your neighbors pay $67 a month.

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Tuesday, November 13 2018 By Shantae Young

Home to Northwestern University, Evanston is a hip suburb with all the amenities of a big city. With great modes of public transportation, students, permanent residents, and visitors alike can easily get around without a vehicle. Fewer people on the roads often means cheap car insurance rates for the few who still drive a car. To take advantage of that, though, you have to shop around.

Average Evanston Car Insurance Rates

How much is car insurance in Evanston, IL? Rates here can be expensive, with many drivers paying premiums higher than both the state and national average. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

Prices will vary depending on your driving record, the car you drive, policy limits, coverage, age, and the number of claims filed in your ZIP code.

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 car insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Evanston, Illinois and save up to 40% on your premium.

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

Best Car Insurance Companies in Evanston, IL

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

  1. GEICO
  2. Allstate
  3. Progressive
  4. Farmers
  5. Esurance
  6. AAA
  7. Travelers
  8. State Farm
  9. American Family
  10. Nationwide
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Top 10 Vehicles in Evanston

This is our list of the most common car makes and models owned by Evanston, IL drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Toyota Camry/LE/XLE/SE/CE
  3. Honda Civic LX
  4. Chevrolet Impala LS
  5. Honda Odyssey EX
  6. Lexus ES 300
  7. Hyundai Sonata GLS
  8. Cadillac Deville
  9. Ford Mustang
  10. Lexus ES 350
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Minimum Auto Insurance Requirements in Evanston, IL

Evanston, 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 an insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions in Evanston, IL such as weather and traffic congestion are factors that can influence your car insurance rates.

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Weather

Evanston, like much of the rest of Illinois, has a warm humid climate that tends to produce long, hot summers. Related to that, residents here enjoy around 193 days of either full or partial sunshine each year. On the other hand, they also see an average of 124 days with measurable precipitation annually. Winters in Illinois can be severe, and snow is common. In fact, Evanston receives about 24 inches of snow in an average year.

Road Conditions

According to Tripnet.org, 27 percent of the major roads in Illinois are in poor condition. Another 40 percent are mediocre. 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.

In 2013, the city of Evanston used around 129 tons of asphalt to fill potholes. This is 18 percent more asphalt than was used in 2012, which suggests the pothole problem in Evanston is getting worse. If you would like to report a pothole in your area, call 311 or go online and submit a request.

Moving Violations

Moving violations like drunk driving, running a red light, accidents, and speeding tickets will give you a bad driving record and much higher insurance rates.

Traffic Tickets

The Cook County Clerk of the Circuit Courts website allows residents to pay traffic tickets and provides access to other important traffic court information.

Drunk Driving Arrests

The Evanston Police Department arrested 30 drivers for suspicion of driving under the influence (DUI) in 2015. This is almost equal to the 28 drivers arrested in 2014 for DUI.

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 Evanston DUI insurance.

Vehicle Theft Rates

The City of Evanston reported 66 motor vehicle thefts in 2014. This is a low theft rate of 0.87 per 1,000 residents. It's relatively safer to own a car in Evanston than it is elsewhere, with the national theft rate being 2.16 per 1,000.

Car Insurance Discounts in Evanston

Discounts are one of the best ways to lower your insurance rates. These are some of the auto discounts available to drivers in Evanston, IL depending on what's offered by your carrier.

  1. Maintain at least a B grade point average in school to qualify for the good student discount
  2. Get a new car with advanced safety features like electronic stability control or anti-lock brakes
  3. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  4. 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%
  5. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  6. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  7. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  8. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  9. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  10. Shop around and compare low-cost Evanston car insurance quotes

Sources:

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