Cheapest car insurance in Collinsville, Illinois (Oct 2024)

Cheapest Car Insurance Quotes in Collinsville

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Travelers	$108	Louis, 30 Zip: 62234	Jeep Grand Cherokee Limited	• 100,000/300,000 Liability • Comp / Collision
National General	$89	Manuel, 21 Zip: 62234	Saturn Aura XE	• State Minimum Liability
The General	$149	Terry, 24 Zip: 62234	Nissan Sentra S	• State Minimum Liability
Dairyland	$346	Ida, 32 Zip: 62234	Chevrolet Malibu LT	• State Minimum Liability • Comp / Collision

Last Updated Oct 11, 2024

Cheapest Collinsville car insurance for good drivers

Best Car Insurance Companies in Collinsville

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 Collinsville

Cheap minimum liability insurance quotes in Collinsville

$25,000 of
bodily injury liability
coverage per person
$50,000 of bodily injury liability coverage per accident
$20,000 of
property damage liability
coverage per accident
$25,000 of UM/UIM bodily injury coverage per person
$50,000 of UM/UIM bodily injury coverage per accident

Mercury

Aiden (53 years old)

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

Nissan Altima S

$97

per month

Bristol West

Emma (56 years old)

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

Chevrolet Sonic LT

$100

per month

The General

Terry (24 years old)

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

Nissan Sentra S

$149

per month

Electric

Carrie (28 years old)

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

Dodge Magnum SXT

$86

per month

Do you need more than minimum coverage in Collinsville?

Cheap full coverage car insurance quotes in Collinsville

Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object. 
Comprehensive coverage also covers the costs of repairing or replacing your car but it only applies to damages caused by theft, vandalism, or natural disasters.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• 50,000/100,000 Liability • Comp / Collision	Progressive	$196	Luis, 42 Zip: 62234	Ford Focus Titanium
• State Minimum Liability • Comp / Collision	Safeco	$145	Jesus, 32 Zip: 62234	Chevrolet Malibu LT
• 100,000/300,000 Liability • Comp / Collision	Travelers	$108	Louis, 30 Zip: 62234	Jeep Grand Cherokee Limited
• State Minimum Liability • Comp / Collision	Bristol West	$100	Emma, 56 Zip: 62234	Chevrolet Sonic LT
• State Minimum Liability • Comp / Collision	Electric	$86	Carrie, 28 Zip: 62234	Dodge Magnum SXT

Last Updated Oct 10, 2024

Average cost of car insurance in Collinsville

Car insurance quotes in Collinsville by rating factors 

Your driving record and claims history: Accidents and tickets will increase your insurance rates.
Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.
Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.
Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.
Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.

Cheap car insurance quotes in Collinsville after driving violations

Cheapest car insurance in Collinsville after DUI

If you’re charged with a

DUI in Illinois

, you could face consequences including:

Fine of up to $2,500
Jail sentence of up to one year
Driver’s license suspension of at least one year
Community service sentence of up to 100 hours

The penalties become more severe for subsequent DUI offenses. 

On top of the legal consequences, you’ll also see significantly higher car insurance costs—but Jerry can help you find lower rates. Just look at some of the cheaper coverage these drivers found using the Jerry app.

Nationwide

Leila (32 years old)

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

Porsche Cayenne

$59

per month

Safeco

Leah (45 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Collinsville, IL
(Zip Code: 62234)

Hyundai Ioniq

$72

per month

Cheapest car insurance in Collinsville after an at-fault accident

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With No Injury	Progressive	$86	Victoria, 20 Zip: 62234	Saturn Aura XE	• State Minimum Liability
Not At Fault	Safeco	$145	Jackson, 31 Zip: 62234	Chevrolet Malibu LT	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Travelers	$108	Fred, 29 Zip: 62234	Jeep Grand Cherokee Limited	• 100,000/300,000 Liability • Comp / Collision

Last Updated Oct 12, 2024

Cheapest car insurance in Collinsville after other driving violations

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Failure to Yield	Progressive	$311	Lulu, 31 Zip: 62234	Chevrolet Malibu LT	• State Minimum Liability • Comp / Collision
Failure to Yield	Safeco	$145	Delia, 31 Zip: 62234	Chevrolet Malibu LT	• State Minimum Liability • Comp / Collision

Last Updated Oct 13, 2024

Cheap car insurance quotes in Collinsville by age

Cheapest car insurance in Collinsville for young drivers

Teen drivers between the ages of 16 and 19 are statistically more likely to get into an accident, so they pay the highest rates of any age group. 

The best way to keep costs low for

young drivers

is to keep them on their parents’ policy for as long as possible—and shop with Jerry to find the most affordable coverage for teen drivers in Calumet Park.

Here are some recent rates given to young drivers in Illinois on Jerry.

Progressive

Mittie (24 years old)

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

Nissan Sentra S

$130

per month

Mercury

Jorge (24 years old)

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

Toyota Camry LE

$80

per month

Clearcover

Rachel (24 years old)

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

Pontiac Sunfire

$92

per month

Cheapest car insurance in Collinsville for senior drivers

Senior drivers may be more likely to get into car accidents due to slowed reaction times and vision and hearing changes. They’re also more likely to be seriously injured if they do get into a collision. Because of that, insurance companies often charge higher rates for senior drivers.

To find the

best senior car insurance

, look for a company that rewards drivers for safe driving or keeping low mileage on their vehicles. Also, prioritize a company with good customer service.

With Jerry, not only can you safe on car insurance for seniors, but our expert customer service agents can help answer any questions you might have during the shopping process. The cards below show how much senior drivers pay each month for coverage with the Jerry app.

AAA

Craig (67 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Collinsville, IL
(Zip Code: 62234)

Infiniti G37

$55

per month

Nationwide

Devin (74 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Collinsville, IL
(Zip Code: 62234)

Subaru Impreza

$62

per month

Cheap car insurance quotes in Collinsville based on insurance history

Progressive

Jimmy (24 years old)

Currently Insured

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

Nissan Sentra S

$130

per month

Travelers

Viola (29 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Collinsville, IL
(Zip Code: 62234)

Jeep Grand Cherokee Limited

$108

per month

Safeco

Jackson (31 years old)

Currently Insured

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

Chevrolet Malibu LT

$145

per month

Bristol West

Ray (23 years old)

Currently Insured

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

Ford Fusion SE

$156

per month

Mercury

Lloyd (50 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Collinsville, IL
(Zip Code: 62234)

Nissan Rogue S

$156

per month

Cheap car insurance quotes in Collinsville for popular cars

Toyota RAV 4
Chevrolet Silverado

Honda CR-V
Ford F-150
Chevrolet Equinox

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4	AAA	$76	Louise, 33 Zip: 62234	• 100,000/300,000 Liability • Comp / Collision
Chevrolet Chevrolet_silverado	Travelers	$61	Elijah, 34 Zip: 62234	• 50,000/100,000 Liability

Last Updated Oct 12, 2024

Cheapest car insurance in Collinsville for new vs. old car

It's usually less expensive to insure an old car than a new one.

We have found that the average insurance cost for a car older than 10 years is -- per month in Collinsville. The average cost for insuring a car less than four years old goes up to -- per month.

Bristol West

Emma (56 years old)

2013 Chevrolet Sonic LT

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

$100

per month

Clearcover

Cornelia (46 years old)

2016 Buick Verano

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

$144

per month

Mercury

Aiden (53 years old)

2019 Nissan Altima S

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

$97

per month

Electric

Carrie (28 years old)

2006 Dodge Magnum SXT

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

$86

per month

The General

Terry (24 years old)

2018 Nissan Sentra S

Coverage

State Minimum

Collinsville, IL
(Zip Code: 62234)

$149

per month

How to lower car insurance costs in Collinsville

1. Shop around and compare quotes

 2. Hunt for car insurance discounts

Good drivers. If you’ve held a
clean driving record
for at least three years, you’re due for some sweet discounts.
Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
Insurance bundlers. Bundle your car and home insurance and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

Why is car insurance in Collinsville so expensive?

Congestion: Because driving in Collinsville incurs a higher risk of dents, dings, and cracked windows than driving in the countryside, insurance rates are higher, too.
Motor vehicle theft: Similar to congestion, high motor vehicle theft rates in Collinsville lead insurance providers to increase your premiums.
Fatality rates: Around one quarter of the fatal
car crashes in Illinois in 2021
happened on urban roads. Because of the high costs associated with motor vehicle fatalities, Collinsville drivers pay higher rates.