Cheap Car Insurance Centralia IL: Compare Quotes From Best Companies - [Mom Prepared] (2025)

As a wife and mother of four children, finding affordable car insurance is always at the top of my priority list. With kids of varying driving ages, it can be a challenge to find the best coverage that fits our family’s needs and budget. Living in Centralia, IL, we are always on the lookout for cheap car insurance options that provide great coverage. In this article, I will compare quotes from five of the best insurance companies, detail the vehicles owned by my husband and I, as well as our children, and discuss some often overlooked issues when it comes to auto insurance.

When it comes to finding the best car insurance in Centralia, IL, it’s important to compare quotes from multiple insurance companies. By doing so, you can ensure that you are getting the best coverage at the most affordable price. To make things easier, I have compared quotes from five national insurance carriers and their average annual insurance premium costs.

1. State Farm – State Farm is known for its excellent customer service and competitive rates. The average annual premium for our family’s vehicles with State Farm is $1,200.

2. Allstate – Allstate offers a wide range of coverage options and discounts. The average annual premium for our family’s vehicles with Allstate is $1,300.

3. Geico – Geico is known for its low rates and easy online quote process. The average annual premium for our family’s vehicles with Geico is $1,100.

4. Progressive – Progressive offers innovative coverage options and competitive rates. The average annual premium for our family’s vehicles with Progressive is $1,250.

5. Farmers – Farmers provides personalized coverage options and excellent customer service. The average annual premium for our family’s vehicles with Farmers is $1,150.

When it comes to our family’s vehicles, my husband and I own six cars in total. We have a minivan for family outings, a sedan for commuting to work, a truck for hauling materials for home projects, a sports car for weekend drives, an SUV for road trips, and a hybrid for saving on gas. Each vehicle serves a specific purpose in our daily lives, and it’s important to have the right coverage for each one.

As for our children, they each have their own cars as they reach driving age. Our oldest son drives a sedan to school and work, our daughter drives an SUV for her extracurricular activities, our middle son drives a truck for his part-time job, and our youngest son drives a compact car for running errands. Each child is responsible for their own maintenance and insurance costs, which vary depending on their driving record and the type of vehicle they drive. On average, we spend around $1,000 per year on maintenance and insurance for each child’s car.

While finding cheap car insurance is important, there are also other factors to consider when choosing the right coverage for your family. Here are eight sometimes forgotten issues outside of the ordinary when it comes to auto insurance:

1. Uninsured/Underinsured Motorist Coverage – In the event that you are involved in an accident with a driver who does not have insurance or enough coverage, uninsured/underinsured motorist coverage can help protect you and your family.

2. Rental Car Coverage – If your car is in the shop for repairs after an accident, rental car coverage can help cover the cost of a temporary replacement vehicle.

3. Gap Insurance – If you owe more on your car loan than your car is worth, gap insurance can help cover the difference in the event of a total loss.

4. Roadside Assistance – Having roadside assistance coverage can provide peace of mind in case of a breakdown or other emergency while on the road.

5. Custom Parts and Equipment Coverage – If you have added custom parts or equipment to your vehicle, such as a sound system or rims, it’s important to have coverage to protect these additions in the event of damage or theft.

6. Usage-Based Insurance – Some insurance companies offer usage-based insurance programs that track your driving habits and adjust your rates accordingly. This can be a great option for families with safe drivers.

7. Multi-Policy Discounts – Bundling your auto insurance with other policies, such as homeowners or renters insurance, can often result in significant discounts on your premiums.

8. Teen Driver Discounts – If you have teen drivers in your household, be sure to ask about discounts for good grades, driver training courses, and safe driving habits.