Chicago drivers looking for cheap car insurance should get quotes from State Farm, which offers minimum coverage for $697 a year, on average, and full coverage for $1,494 a year.
Other cheap car insurance providers in Chicago to consider are American Family, Country Financial, Progressive and USAA, if you’re eligible.
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Best auto insurance companies in Chicago
The best car insurance companies in Chicago are State Farm, American Family, Country Financial and Progressive, based on our research. This is true whether you have a clean driving record or an incident or two on it. It’s also true whether you’re a young or old driver.
USAA is a good option for cheap car insurance in Chicago, too, if you qualify for coverage. Only current and past members of the military, or certain family members, can get car insurance from USAA, though.
Cheapest car insurance in Chicago
State Farm has the cheapest car insurance in Chicago, at an average rate of $58 a month, if all you want is a minimum-coverage policy.
A minimum-coverage car insurance policy includes the minimum coverage types and amounts state law requires. In Illinois, this means it includes bodily injury and property damage liability coverage, plus uninsured motorist bodily injury coverage.
| Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $697 | $58 |
| USAA | $743 | $62 |
| Progressive | $771 | $64 |
| Country Financial | $958 | $80 |
| American Family | $1,009 | $84 |
| Average | $1,290 | $108 |
| Allstate | $1,468 | $122 |
| Standard Fire | $1,476 | $123 |
| GEICO | $1,577 | $131 |
| Illinois Farmers | $2,912 | $243 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
USAA also offers cheap minimum-coverage car insurance to Chicago drivers, with an average rate of $62 a month. That said, only current or former members of the military and certain family members can buy car insurance from USAA.
Cheapest full-coverage car insurance in Chicago
State Farm offers the cheapest full-coverage car insurance in Chicago, with an average rate of $125 a month. USAA also provides cheap car insurance to Windy City drivers, at an average rate of $128 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,494 | $125 |
| USAA | $1,538 | $128 |
| American Family | $2,079 | $173 |
| Country Financial | $2,107 | $176 |
| Progressive | $2,130 | $178 |
| Standard Fire | $2,673 | $223 |
| Average | $2,738 | $228 |
| GEICO | $3,746 | $312 |
| Allstate | $3,857 | $321 |
| Illinois Farmers | $5,020 | $418 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
A full-coverage car insurance policy typically includes liability, collision and comprehensive coverages. Illinois state law doesn’t require full-coverage car insurance, but your lender or lessor might. Even if it’s not required, you should get full coverage if your vehicle is new or expensive.
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Cheapest car insurance in Chicago for drivers with incidents on their records
State Farm has the cheapest car insurance rates in Chicago if you have a ticket, accident or DUI on your driving record. USAA, Progressive and American Family also offer cheap car insurance rates to Chicago drivers with such incidents.
| Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,783 | $149 |
| USAA | $2,315 | $193 |
| American Family | $3,139 | $262 |
| Country Financial | $3,261 | $272 |
| Standard Fire | $3,504 | $292 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
State Farm’s average rate for Chicago drivers with an accident history is $1,783 a year or $149 a month. This is the cheapest average rate in the city, with USAA coming in second at $2,315 a year and $193 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,639 | $137 |
| Progressive | $2,411 | $201 |
| USAA | $3,286 | $274 |
| Country Financial | $3,390 | $283 |
| American Family | $3,737 | $311 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
State Farm offers the cheapest auto insurance in Chicago for drivers with a DUI on their records, with an average rate of $1,639 a year or $137 a month. Progressive’s average rate of $2,411 a year, or $201 a month, is quite a bit more expensive but still cheaper than the city average rate of $4,245 a year or $354.
| Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,639 | $137 |
| USAA | $1,952 | $163 |
| American Family | $2,469 | $206 |
| Country Financial | $2,826 | $236 |
| Progressive | $2,964 | $247 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
State Farm’s average rate for Chicago drivers with a speeding ticket is $1,639 a year or $137 a month. USAA and American Family both offer average rates that are far cheaper than the city average in this situation.
Cheapest car insurance in Chicago for teen drivers
USAA has the cheapest car insurance for teen drivers in Chicago at $1,873 a year or $156 a month, on average. State Farm is your best and cheapest option if you’re not affiliated with the military, though. Its average car insurance rate for Chicago teen drivers is $2,157 a year or $180 a month. All of these average rates are for a policy that only meets the state’s minimum coverage requirements.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $1,873 | $156 |
| State Farm | $2,157 | $180 |
| Country Financial | $2,588 | $216 |
| Allstate | $2,815 | $235 |
| Progressive | $3,433 | $286 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
You might notice these rates are a lot higher than the ones quoted for our standard driver profile, which is for a 35-year-old male with a clean driving record. This is because teen drivers almost always pay more for car insurance than older drivers. Insurance companies consider teen drivers riskier to cover due to their lack of experience behind the wheel.
Cheapest full-coverage car insurance for teen drivers in Chicago
USAA and State Farm offer the cheapest full-coverage car insurance in Chicago for teen drivers. USAA’s average rate in this situation is $4,156 a year or $346 a month, while State Farm’s is $4,666 a year or $389 a month. Only drivers with military ties can get car insurance from USAA.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $4,156 | $346 |
| State Farm | $4,666 | $389 |
| Country Financial | $5,707 | $476 |
| Allstate | $7,704 | $642 |
| American Family | $7,990 | $666 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance in Chicago for seniors
State Farm and USAA have the cheapest car insurance rates in Chicago for senior drivers who want a minimum-coverage policy. State Farm’s average rate for a 60-year-old driver in Chicago is $669 a year or $56 a month. USAA’s average rate is $700 a year or $58 a month. Both are well below the city average for senior drivers, which is $1,136 a year or $95 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $669 | $56 |
| USAA | $700 | $58 |
| Progressive | $808 | $67 |
| Country Financial | $901 | $75 |
| American Family | $946 | $79 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Senior drivers often pay lower car insurance rates than their younger counterparts because of their experience on the road. That said, what you pay for car insurance as a senior is based on more than just your age. It is also based on your driving history. If you have incidents like speeding tickets, accidents and DUIs on your record, you’ll pay a higher rate than you would otherwise.
Cheapest full-coverage car insurance for seniors in Chicago
State Farm and USAA have the cheapest full-coverage car insurance rates for senior drivers in Chicago, too. USAA’s average rate for a Chicago senior is $1,389 a year or $116 a month. State Farm’s average rate is $1,391 a year or $116 a month. The city average is $2,300 a year or $192 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $1,389 | $116 |
| State Farm | $1,391 | $116 |
| Country Financial | $1,892 | $158 |
| American Family | $1,921 | $160 |
| Progressive | $1,926 | $161 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
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Chicago car insurance requirements
Illinois’ car insurance law requires drivers to have a minimum of 25/50/20 coverage. This means your policy must include at least:
- $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 for accidents outside of Michigan
Illinois drivers also need a minimum amount of uninsured motorist bodily injury (UM) coverage. The state minimums for this type of car insurance coverage are:
- $25,000 per person
- $50,000 per accident
You can buy higher limits of UM coverage to pay for claims that exceed these amounts. If you purchase higher UM coverage limits, though, you will have to buy underinsured motorist bodily injury insurance (UIM) as well.
Frequently asked questions about car insurance in Chicago
How much is car insurance in Chicago?
Minimum-coverage car insurance costs $108 a month in Chicago, on average. The average cost of full-coverage car insurance in Chicago is $228 a month.
How much you pay for car insurance depends on several factors, though, so your monthly premium may be higher or lower than these amounts. Where you live, the kind of car you drive and your driving history all impact the cost of your premium.
How much car insurance do I need in Chicago?
To drive legally in Chicago, you need at least $25,000 of bodily injury liability car insurance coverage per person and $50,000 per accident. You also need $20,000 of property damage liability coverage, at a minimum, as well as $25,000 of uninsured motorist bodily injury coverage per person and $50,000 per accident.
How can I get cheap car insurance in Chicago?
State Farm is the best option for cheap car insurance in Chicago, with an average rate of $58 a month for a minimum-coverage policy. State Farm offers the cheapest full-coverage car insurance in Chicago, too, with an average rate of $125 a month.
American Family, Progressive and USAA also provide cheap car insurance to Chicago drivers, according to our research, so get and compare quotes from them as well while shopping for coverage in the Windy City.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Chicago ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
Minimum-coverage insurance rates are based on a policy meeting the state of Illinois’ minimum requirements for liability and uninsured motorist coverage.
Full-coverage policies meet the minimum requirements for uninsured motorist coverage and include the following additional coverages, limits and deductibles:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 deductible for collision coverage
- $500 deductible for comprehensive coverage
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