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Cheapest car insurance in Staunton, Illinois (Apr 2024)
Cheapest car insurance in Staunton, Illinois (Apr 2024)
Comparing personalized car insurance quotes can help you find the cheapest car insurance in Staunton, Illinois.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Staunton
- Cheapest Staunton car insurance for good drivers
- Best car insurance companies in Staunton
- Best cheap car insurance quotes in Staunton
- Average cost of car insurance in Staunton
- Car insurance quotes in Staunton by rating factors
- How do different factors impact your car insurance costs in Staunton?
- Cheap car insurance quotes in Staunton after driving violations
- Cheap car insurance quotes in Staunton by age
- Cheap car insurance quotes in Staunton based on insurance history
- Cheap car insurance quotes in Staunton for popular cars
- How to lower car insurance costs in Staunton
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Staunton
The average cost of car insurance in Staunton,
Illinois
is approximately $53 per month for a liability-only policy, and $123 per month for full coverage. As a result, drivers in Staunton pay 12% less for car insurance than the state average, and 34% less than the national average.There’s no such thing as the
cheapest auto insurance
company for everybody, and finding the right fit can be taxing. The closest thing to a one-size-fits-all insurance solution is Jerry
, a virtual agent that automatically compares quotes from 55+ insurers on your behalf. It shows you the best five to seven rates in your area without needing to make a single phone call.Here are the great rates Staunton, IL residents found after shopping for coverage with Jerry.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $82 | Loretta, 59 Zip: 62088 | Chevrolet Malibu 1LT | • State Minimum Liability • Comp / Collision |
| Safeco | $74 | Eva, 45 Zip: 62088 | GMC Safari XT | • 50,000/100,000 Liability • Comp / Collision |
Clearcover | $62 | Polly, 56 Zip: 62088 | Pontiac Grand AM SE1 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 19, 2024Cheapest Staunton car insurance for good drivers
You can’t control all the factors that determine your auto insurance rates—like severe weather, local accident rates, and your age—but you can keep your driving record clean by driving safely or taking a defensive driving course.
The act of being a good driver alone can lower your insurance premiums by up to 40%.
The act of being a good driver alone can lower your insurance premiums by up to 40%.
However, good habits don’t form overnight. Jerry’s DriveShield™ can help you improve your driving, monitor your progress, and unlock discounts. Check out these case studies to see how Jerry helped its customers profit from good behavior:
Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Nathaniel, 21 | 66 | 20% | No |
|
Roberto, 34 | 94 | 37% | No |
|
Angel, 44 | 70 | 19% | No |
|
Danny, 54 | 90 | 29% | No |
|
Michael, 64 | 85 | 24% | No |
|
Best car insurance companies in Staunton
To get the best rates in Staunton, you'd have to compare hundreds of insurance providers and thousands of coverage options. Jerry experts recently conducted a national insurance shopping survey of more than 15,000 verified policyholders.
Despite having the largest market share in Illinois, State Farm,
Allstate
, Country Insurance, Travelers
, and Assurant didn't necessarily earn the highest ratings. Rather, customers said Gainsco had affordable car insurance policy costs, Clearcover provided excellent customer service, and Progressive
scored well overall. The table below shows how Staunton drivers rated their providers in more detail.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 3.9 | 4.1 | 4.4 |
| Allstate | 4.4 | 3.6 | 4.2 | 4.7 |
Liberty Mutual | 4.2 | 4 | N/A | 4.2 |
| State Farm | 3.9 | 3.7 | 2.8 | 4.1 |
| Geico | 3.7 | 2.9 | 4.2 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Staunton
The cheapest car insurance coverage in Staunton is the
bare minimum required by the state
. In Illinois, that includes liability car insurance
and uninsured motorist/underinsured motorist (UM/UIM)
bodily injury coverage. You can use liability insurance to treat anyone you injure and repair any property you damage if you are at fault. UM/UIM bodily injury coverage, however, applies to your and your passenger’s medical expenses if the at-fault driver's liability limits are too low.
Cheap minimum liability insurance quotes in Staunton
- $50,000 of bodily injury liability coverage per accident
- $25,000 of bodily injury uninsured motorist coverage per person
- $50,000 of bodily injury uninsured motorist coverage per accident
However, you’ll often see the liability limits shortened to “25/50/25”, and UM/UIM coverage limits to “25/50”.
Keeping your insurance coverage to a minimum is one option to get lower rates. Jerry assists Staunton drivers in finding no-frills insurance policies at low rates.
Do you need more than minimum coverage in Staunton?
It’s recommended that Staunton drivers increase their liability coverage beyond the state's minimum requirement of 25/50/20.
If you cause a car accident and the injured party's expenses exceed your coverage limits, you're responsible for paying the remaining expenses on your own.
Illinois' car accident laws
also give them the right to sue you in a personal injury lawsuit for up to two years after the accident—so if you can’t afford the costs, your assets and future income may be on the line.
You'll have better financial protection from a serious car accident by doubling your liability and UM/UIM coverage limits.
You'll have better financial protection from a serious car accident by doubling your liability and UM/UIM coverage limits.
Cheap full coverage car insurance quotes in Staunton
Full coverage auto insurance
isn't required by law, but most drivers will benefit from it. A full coverage policy often includes liability insurance, along with collision and comprehensive insurance to cover damages to your vehicle.If your car is damaged in an accident with another vehicle or stationary object,
collision insurance
covers the costs of repairing or replacing it. Comprehensive coverage
also covers repairs or replacements, but only if they result from theft, vandalism, animal accidents, or natural disasters.If you have a car loan or lease, the bank or lender will typically ask you to maintain full coverage until your contract ends.
Although full coverage, on average, costs more than a liability-only policy, you can find the best price for your preferred coverage options by comparing quotes. The Jerry app provides free quote comparisons as well as end-to-end customer service from over 100 licensed insurance agents.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $82 | Loretta, 59 Zip: 62088 | Chevrolet Malibu 1LT |
• 50,000/100,000 Liability • Comp / Collision | Clearcover | $62 | Polly, 56 Zip: 62088 | Pontiac Grand AM SE1 |
• 50,000/100,000 Liability • Comp / Collision | Mercury | $74 | Aiden, 45 Zip: 62088 | GMC Safari XT |
Last Updated Apr 19, 2024
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Staunton
For minimum liability coverage, Staunton drivers pay around $53 per month or $636 per year. For a full coverage insurance policy, they pay around $123 per month or $1,472 per year.
While the average rate can give you a general idea of insurance costs, an individual insurance premium depends on many factors, such as driving history and past claims.
Compare car insurance costs in other states
Car insurance quotes in Staunton by rating factors
- Age: Drivers between the ages of 16 and 19 often pay higher than average rates based on their experience. With less experience, insurers consider them a higher risk.
- Crime rates: Areas with more thefts and vandalism rates generally experience increased car insurance costs.
- Credit score: If you have bad credit, you’ll probably pay a higher rate than someone with good credit.
- Driving record: A poor driving record and a history of car accidents and tickets can cause your premium costs to spike.
- Make and model: You’ll pay more for insurance if you drive a luxury, high-performance, or sports car.
How do different factors impact your car insurance costs in Staunton?
How do different factors impact your car insurance costs in Staunton?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Staunton currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Staunton:
Cheap car insurance quotes in Staunton after driving violations
In Illinois, your
driving record
plays a large role in determining your car insurance rates. For one thing, you’ll see your monthly premiums rise for every driver violation point added to your license.Some Illinois car insurance companies will not provide coverage to
high-risk drivers
with multiple infractions, a DUI, or a reckless driving
conviction in their past. However, there are a handful of insurers that are known for helping drivers with violations. Here are some of the rates that real drivers paid using the Jerry app.Cheapest car insurance in Staunton after speeding ticket
An
Illinois speeding ticket
can raise the insurance rates you find in Staunton by 10% or more. They’ll go up even further if you receive multiple speeding tickets or exceed the legal limit significantly.The good news is that some insurers specialize in offering coverage to drivers with violations. By comparing quotes from over 55 auto insurance providers at once, Jerry lets you view low rates in your area so you can still find cheaper than average premiums, even with past infractions.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Nationwide | $78 | Sue, 32 Zip: 62088 | Ford Mustang | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | Nationwide | $54 | Anthony, 44 Zip: 62088 | Toyota Prius | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 19, 2024Cheapest car insurance in Staunton after DUI
Illinois’ DUI
penalties include the following:- Up to $2,500 in fines
- Up to one year in prison
- At least one year's suspension of a driver's license
- Up to 100 hours of community service
You’ll also see a significant increase in your annual premiums. Jerry helps drivers bring costs back down by finding cheap car insurance quotes and discounts.
Cheapest car insurance in Staunton after an at-fault accident
High-risk drivers pay higher insurance rates. Even several small, at-fault incidents can add up to a significant increase over the years.
The first step to finding a better plan is to check your Illinois driving record and practice safe driving habits. The second is to compare quotes to see if you’re getting a competitive rate. With Jerry’s 45-second signup process, you can find the answer in less than a few minutes
Last Updated Apr 18, 2024Cheapest car insurance in Staunton after other driving violations
Other violations, such as reckless driving charges, seat belt tickets, and distracted driving convictions will also increase your auto insurance costs in Staunton—however, it’s always possible to find better rates with another provider. Here’s where Jerry customers with different driving violations found affordable coverage:
Last Updated Apr 19, 2024Cheap car insurance quotes in Staunton by age
Auto insurance premiums start high for new drivers, steadily decrease for middle-aged drivers, and rise again for seniors. However, you’ll never pay as much for car insurance as you do when you’re a teen.
Here are some tips for teen drivers and seniors to help you lower your monthly premiums:
Cheapest car insurance in Staunton for young drivers
Young drivers between 16 and 19 years old have a higher likelihood of getting into accidents while driving, resulting in higher insurance rates compared to other age groups.
Keeping
teen drivers
on their parents' policy for as long as possible is a cost-effective way to manage expenses. Jerry can also help you find the most affordable coverage for your family by comparing insurance rates in Staunton.Cheapest car insurance in Staunton for senior drivers
As people get older, their driving abilities can worsen along with their vision, hearing, and reaction time, making them more likely to get into car accidents. For this reason, insurance companies often charge higher rates for senior drivers.
However, you can find
affordable car insurance for seniors
by looking for companies that offer safe driving rewards or low-mileage discounts. It's also important to choose a company with good customer service. Jerry’s team includes more than 100 customer service agents to answer any questions by phone.
Cheap car insurance quotes in Staunton based on insurance history
If you’ve ever driven uninsured, providers may see you as a high-risk driver. This can cause your insurance rates to go up.
Jerry can help you avoid
car insurance lapses
with automatic payment reminders. You can also compare prices at renewal time to see if you can get a better deal in Staunton.
Allen (59 years old)
$82
per month
Clearcover
Miguel (56 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Staunton, IL (Zip Code: 62088)
$62
per month
Millie (59 years old)
$82
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Needed to make adjustments to my finances and expenses. Saved me money and time
Joann
They have great pricing and coverage!
Christina
Great insurance I've had so far great helpful employees
Sallie
Great coverage for a great price!
Jaime
Cheap car insurance quotes in Staunton for popular cars
Cars with good safety ratings, anti-theft systems, and driver-assist technology are usually
the cheapest to insure
. It doesn’t hurt if your vehicle is also cheap to repair and replace.Here are the top five car models you’ll see most often in Illinois:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Chevrolet Silverado K1500 LT | Progressive | $84 | Eva, 27 Zip: 62088 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 19, 2024How to lower car insurance costs in Staunton
1. Shop around and compare quotes
There’s no way to find a competitive car insurance rate without checking out the competition. Experts recommend comparing quotes from at least three different companies every six months.
Jerry is a one-stop shop for all your insurance needs. You can get the best five to seven quotes from 55+ providers delivered automatically to your phone around renewal time, plus discounts, maintenance reminders, and more.
2. Hunt for car insurance discounts
Car insurance discounts
help you make the most of every money-saving opportunity. For example, if you’ve maintained a
clean driving record
for at least three years, you may qualify for a good driver discount. Alternatively, you could install a telematics device and earn savings for braking gently and obeying the speed limit.Full-time high school or college students who maintain a B average or higher can trade grades for good student discounts. Finally, if you have homeowners insurance or renters insurance, look into
bundling your car and home insurance policies
. You’ll avoid paying full price for both products and enjoy the convenience of having them all in one place.3. Increase your deductible for comprehensive and collision coverage
You can lighten your auto insurance policy costs by agreeing to pay more money out-of-pocket after an accident. To avoid any financial difficulties, make sure to
choose a deductible
that you can afford. This way, you can meet your budgeting needs without feeling unprepared.
FAQ
How much is car insurance in Staunton?
Car insurance in Staunton costs an average of $53 per month, or $636 per year for minimum liability coverage. For full coverage, drivers generally pay an average of $123 per month, or $1,472 per year.
Before choosing an insurance provider, make sure to request personalized car insurance quotes, as state averages and individual rates can vary significantly. Jerry's automatic quote comparison can help you preview your costs with accuracy in just a few minutes.
What is the cheapest car insurance in Staunton?
Minimum liability coverage is your cheapest option in Staunton. It usually costs around $123 per month or $636 per year.
However, it's important to know that the minimum coverage limits in Illinois might not be enough to protect you from the financial consequences of a major accident. Jerry can help you find the maximum coverage you can afford by comparing quotes from over 55 top providers. You’ll get the best five to seven deals completely free.
What is the best car insurance in Staunton?
It's essential to consider your preferences when choosing an insurance provider. If you need to purchase boat and life insurance along with car insurance, a large company is your best bet. Based on the recent nationwide survey conducted by Jerry, Illinois drivers favor Gainsco, Clearcover, and Progressive.
What is the minimum car insurance in Staunton, Illinois?
In Illinois, drivers must purchase car insurance that follows the state’s “25/50/25” rule. This means every policy must provide at least $25,000 of bodily injury coverage per person (to a maximum of $50,000 per accident) and $25,000 of coverage for property damages. Additionally, drivers must carry $50,000 of uninsured bodily injury coverage per person, to a maximum of $50,000 per accident.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
