Best Auto Insurance Rates in Wheaton, Illinois

On average your neighbors pay $67 a month.

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Wheaton, Illinois has been a quaint and desirable place to live since its inception 157 years ago. Both Chicago and Money magazines have named it one of the "Best Places to Live" in the US.

The city has received other awards and accolades as well. For example, George Washington University recognized Wheaton as one of the "Top Walkable Cities in Chicago Area" in 2014.

Average Wheaton Car Insurance Rates

How much is car insurance in Wheaton, IL? Premiums here can be expensive. Many drivers pay higher rates than 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 car, driving record, coverage, policy limits, age, type of car, 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 would like to make Wheaton, Illinois one of the best cities for affordable car insurance rates. We connect consumers to national insurance companies and local agents so they can compare quotes and find cheap rates. You can save up to 40 percent on your premium.

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

Best Car Insurance Companies in Wheaton, IL

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

  1. Allstate
  2. GEICO
  3. Farmers
  4. Progressive
  5. State Farm
  6. COUNTRY Financial
  7. Liberty Mutual
  8. American Family
  9. MetLife
  10. Nationwide

Other popular Wheaton, Illinois car insurance companies: AIG, Safeco, USAA, Hartford, Esurance, Farm Bureau, Allied Group, Amica, and 21st Century.

Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles

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

  1. Honda Accord EX
  2. Toyota Highlander
  3. Ford Fusion SE
  4. Volkswagen Jetta SE
  5. Chevrolet Malibu
  6. Toyota Camry LE/XLE/SE
  7. Chevrolet Cavalier
  8. Honda Civic LX
  9. Toyota Corolla CE/LE
  10. Cadillac Deville
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Wheaton, IL

Wheaton, 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 like weather and traffic congestion are factors that can influence Wheaton insurance rates.

Wheaton drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

In Wheaton, the climate is warm and humid. That usually means long, hot summers and little to no dry season. On average, residents can expect 186 days of full or partial sunshine each year. They also should expect to see about 109 days with measurable precipitation annually. Wheaton averages 36 inches of rainfall and 33 inches of snowfall in a given year. That’s a big deal because rain and snow often cause slick roads and dangerous driving conditions.

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. Those costs are a direct result of driving on rough roads that damage cars and contribute to car accidents.

Concerned residents can call the Wheaton Public Works Department about potholes in their area at 630-260-2116. You can also fill out a request on line.

Moving Violations

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

Traffic Tickets

The DuPage County Clerk of the Circuit Courts website lets residents pay traffic tickets, look up court locations, and review other important traffic court information.

In 2015, DuPage County processed 9,877 traffic citations.

Drunk Driving Arrests

The DuPage County Sheriff's Office also processed 81 DUI traffic offenses in 2015.

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 Wheaton DUI insurance.

Vehicle Theft Rates

In 2014, the City of Wheaton reported 11 motor vehicle thefts. That adds up to an extremely low theft rate of 0.21 per 1,000 residents. The national average in this case is 2.16 per 1,000 people.

Save With Car Insurance Discounts

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

  1. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  2. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  3. If you're 55 or older you 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. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  7. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  8. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  9. Take a defensive driving course from an accredited driver safety school
  10. Shop around and compare low-cost Wheaton car insurance quotes

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