Fairview Heights drivers pay an average of $1,740/year — $31 less than the national average. With 218 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $264/year.
(888) 217-6781Estimated full coverage auto insurance rates for Fairview Heights, IL from top carriers. Rates are adjusted for Fairview Heights's 218 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $658 | $110/mo |
| Progressive | $743 | $124/mo |
| Country Financial | $765 | $127/mo |
| State Farm | $813 | $135/mo |
| Allstate | $989 | $165/mo |
Estimates based on 2026 rate filings for ZIP 62208. GEICO is cheapest at ~$110/mo. Actual rates vary by driver profile and exact Fairview Heights location.
These Fairview Heights-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Fairview Heights, IL. Takes under 2 minutes.
(888) 217-6781Fairview Heights is a smaller city in Illinois with a population of 16,706. 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 Fairview Heights.
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 Fairview Heights can swing your premium by hundreds of dollars. Here's how rates compare across Fairview Heights neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 62220 | Fairview Heights South Side | $1,624/yr | $135/mo |
| 62209 | Fairview Heights North Side | $1,702/yr | $142/mo |
| 62220 | Fairview Heights West Side | $1,740/yr | $145/mo |
| 62218 | Fairview Heights East Side | $1,759/yr | $147/mo |
| 62208 | Fairview Heights Downtown/Central | $1,873/yr | $156/mo |
The cheapest ZIP is 62220 (Fairview Heights South Side) at $1,624/yr. The most expensive is 62208 (Fairview Heights Downtown/Central) at $1,873/yr — a $249/year difference for the same driver.
Your Fairview Heights ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Fairview Heights. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,654/yr | $305/mo | +110% vs avg |
| Young Adult (20-25) | $2,436/yr | $203/mo | +40% vs avg |
| Adult (26-35) | $1,740/yr | $145/mo | 0% vs avg |
| Mid-Career (36-50) | $1,531/yr | $128/mo | -12% vs avg |
| Senior (51-65) | $1,444/yr | $120/mo | -17% vs avg |
| 65+ | $1,549/yr | $129/mo | -11% vs avg |
Teens in Fairview Heights pay an average of $3,654/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,444/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.
Fairview Heights drivers can save up to $264/year. ZIP 62220 (Fairview Heights South Side) has the lowest rates starting at $1,624/yr.
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