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The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
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Table of Contents
How Much Is Car Insurance in Pearl City
The car insurance rate in Pearl City is for a six-month policy, which is higher than the state average. Root Insurance Company offers the lowest rates in the city at , making it a popular choice for budget-conscious drivers. Rates in Pearl City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At for a six
month policy, offers
the cheapest
auto
insurance rates in the city.
2nd place:
offers auto
insurance rates at for a
six-month policy,
making it one of the cheapest to insure with.
3rd place:
offers auto insurance
rates at
for six months, making it
the third cheapest auto insurance company in Pearl City.
Pearl City Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Pearl City, IL is , offering policies at just for a six-month term. This is followed by , which has an average six-month premium of .
At the higher end of the spectrum, is the most expensive, with rates reaching for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pearl City drivers find the best deals.
Cheap Car Insurance Companies in Pearl City, IL
Key Takeaways
Way's key takeaways about car insurance in Pearl City
The auto insurance costs in Pearl City fall around for six
months.
The cheapest auto insurance company in Pearl City is .
Teen drivers pay the highest rate in Pearl City at per
month.
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Cheapest Minimum Liability Car Insurance in Pearl City
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Pearl City are given below.
provides
the cheapest minimum car insurance
coverage in Pearl City. Their Average 6 Month Premium is .
is the most
expensive at for the same
period.
Cheapest Liability Coverage in Pearl City, IL
Cheapest Full Coverage Car Insurance in Pearl City
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Pearl City is
at per month and
for six months.
Cheapest Full Coverage Car Insurance Quotes in Pearl City,
IL
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Average Car Insurance in Pearl City by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Pearl City, IL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Pearl City, Illinois, may be increasing due to several external factors.
Illinois has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Pearl City's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Pearl City
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Cheapest Car Insurance Rates for Teen Drivers in
Pearl City,IL
If you are planning to get a car insurance policy for your teenage
dependent, provides the cheapest car
insurance in the Pearl City at
per
month. At for a six-month premium,
offers the most expensive rate for
teen drivers.
Teen Car Insurance Rates in IL by Age
Way Tip
If you are in your twenties is
the best choice for car
insurance in Pearl City.
As young drivers face the highest rates in Pearl City,
offers the cheapest auto insurance rates at for six months.
Car Insurance Rates by Credit Score
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Pearl City,
is
the cheapest car insurance provider. At for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Pearl City is , offering
rates of around for six
months.
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Car Insurance Rates with An Accident in Pearl City
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Pearl City, IL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Pearl City
The cheapest car insurance companies after an at-fault accident in
Pearl City include
and , offering
and ,
respectively. is an expensive provider
with an average six-month premium of
.
Pearl City Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Pearl City IL. For example, the car
insurance in Pearl City
after a DUI increases to for a six
month policy. While the rate increases by for a six-month policy in the case of
a speeding ticket.
Pearl City auto insurance quotes by violations
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Pearl City after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Pearl City.
The cheapest car insurance premiums in
Pearl City are
offered by at for a six-month policy.
However, it can be as
expensive as with companies
like .
Pearl City car insurance quotes with a DUI
Cheapest car insurance after a speeding ticket
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Pearl City are offered by
at . However,
it can be as expensive as
with companies like for a similar
six-month premium.
Cheapest Car Insurance in Pearl City after Speeding ticket
Car Insurance Price Trends in Pearl City,
Illinois
Car insurance rates in Pearl City have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pearl City by
in
compared to of . In other words, there has been an by when you
compare and .
The average cost of liability insurance in the Pearl City to in ,
compared to in .
This represents an of
when comparing and .
Average Car Insurance Cost in Pearl City by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Pearl City. At for a
six-month policy, insuring
your car at is the cheapest
in the city.
Frequently Asked Questions
How much is car insurance in Pearl City?
The car insurance in Pearl City is $ than the national average.
What is the cheapest car insurance in Pearl City?
The cheapest car insurance in Pearl City
is per month
for full coverage.
How much is car insurance in Pearl City for teenagers?
Car insurance for teenagers costs per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Pearl City?
The average cost of car insurance is for a six-month
policy. It will cost around per month to insure your
car in Pearl City.
Is car insurance expensive in Pearl City?
Car insurance can be expensive in Pearl City if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Pearl City can be
affordable.
What is the best car insurance in Pearl City,
IL?
The best car insurance company in Pearl City
IL is
, offering for a
six-month policy.
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Pearl City Car Insurance
