Collinsville drivers pay an average of $1,757/year — $14 less than the national average. With 316 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $281/year.
(888) 217-6781Estimated full coverage auto insurance rates for Collinsville, IL from top carriers. Rates are adjusted for Collinsville's 316 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $664 | $111/mo |
| Progressive | $751 | $125/mo |
| Country Financial | $772 | $129/mo |
| State Farm | $821 | $137/mo |
| Allstate | $999 | $167/mo |
Estimates based on 2026 rate filings for ZIP 62234. GEICO is cheapest at ~$111/mo. Actual rates vary by driver profile and exact Collinsville location.
These Collinsville-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Collinsville, IL. Takes under 2 minutes.
(888) 217-6781Collinsville is a smaller city in Illinois with a population of 24,366. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, blizzards, lake-effect snow, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Collinsville.
For official Illinois insurance regulations, visit the Illinois Department of Insurance. For driver licensing, see the Illinois Secretary of State.
Your specific ZIP code within Collinsville can swing your premium by hundreds of dollars. Here's how rates compare across Collinsville neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 62243 | Collinsville South Side | $1,667/yr | $139/mo |
| 62239 | Collinsville North Side | $1,676/yr | $140/mo |
| 62242 | Collinsville West Side | $1,742/yr | $145/mo |
| 62242 | Collinsville East Side | $1,762/yr | $147/mo |
| 62234 | Collinsville Downtown/Central | $1,891/yr | $158/mo |
The cheapest ZIP is 62243 (Collinsville South Side) at $1,667/yr. The most expensive is 62234 (Collinsville Downtown/Central) at $1,891/yr — a $224/year difference for the same driver.
Your Collinsville ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Collinsville. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,690/yr | $308/mo | +110% vs avg |
| Young Adult (20-25) | $2,460/yr | $205/mo | +40% vs avg |
| Adult (26-35) | $1,757/yr | $146/mo | 0% vs avg |
| Mid-Career (36-50) | $1,546/yr | $129/mo | -12% vs avg |
| Senior (51-65) | $1,458/yr | $122/mo | -17% vs avg |
| 65+ | $1,564/yr | $130/mo | -11% vs avg |
Teens in Collinsville pay an average of $3,690/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,458/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Illinois cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Collinsville drivers can save up to $281/year. ZIP 62243 (Collinsville South Side) has the lowest rates starting at $1,667/yr.
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