Best Auto Insurance Rates in Chicago, Illinois

Compare Auto Insurance in Chicago

Thursday, May 31 2018 By Larry Canonica

Chicago, Illinois has some of the best public transportation in America. But most people in Chicago still drive to get where they need to go. That means they need affordable car insurance rates.

Average Chicago Car Insurance Rates

How much is car insurance in Chicago, IL? Accident rates and crime have been raising insurance rates in Chicago for years. That’s because these factors lead to the filing of insurance claims. The average cost of car insurance in Chicago is $1,126.59 a year for men and $1,069.54 for women. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

Prices will vary depending on your driving record and the total number of claims filed in your zip code. The type and value of your car is also an important factor.

Chicago, IL Average Annual Car Insurance Rates

Coverage	Men	Women
Liability	$673.19	$659.20
Collision	$365.63	$332.65
Comprehensive	$87.77	$77.69
Total Cost Per Year	$1,126.59	$1,069.54
Price Per Month	$93.88	$89.13
Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers. They rent in Chicago and own a 2010 Honda Accord. Our rate profiles defined males and females who are currently insured, clean driving record and drive less than 10,000 annual miles. Coverage includes Illinois state liability minimum of $25,000/$50,000/$20,000. And 25/50/20 underinsured motorist coverage with $10,000 personal injury protection. Plus a $500 comprehensive and collision deductible.

The graph below shows the change in Illinois's average auto insurance rate from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Chicago, Illinois and save up to 40% on your premium.

Last year, 35,969 people used QuoteWizard to compare car insurance quotes in Chicago, IL from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Chicago

These are the most popular car insurance companies reported by 35,969 Chicago, IL QuoteWizard users last year. Of these users, 6,665 were uninsured.

Other popular Chicago car insurance companies: American Family, Country Financial, MetLife, USAA, Safeco, Hartford, Travelers, and Illinois Farm Bureau.

Top 10 Vehicles in Chicago

These are the most popular car makes and models owned by Chicago drivers requesting quotes through QuoteWizard last year.

Chicago Drivers

When it comes to safe driving, Chicago, IL leaves something to be desired. Chicago was ranked 129th out of 200 cities in Allstate’s annual “Best and Worst Cities for Drivers” report. Most US drivers go ten years between accidents. However, drivers here have car accidents every 8.2 years.

35,969 Chicago drivers that used QuoteWizard to request quotes last year. 2,148 of them reported some kind of incident on their driving record.

Driving Conditions

The weather, driving, and road conditions are all factors that can influence insurance rates.

Weather

Chicago, IL enjoys four distinct seasons. Summers are hot and humid. Winters are snowy and cold. The average daily high in January is barely above freezing. It rains throughout the year. Most occurs between May and August. Chicago sees and average 123 days of measurable rainfall and 26 snowy days each year.

Road Conditions

Tripnet.com reports that 44 percent of the major roads in Chicago are in poor condition. 34 percent are mediocre. The poor condition of city streets costs drivers $710 a year in extra vehicle operating costs. These costs are a direct result of driving on rough roads that can damage cars and cause accidents.

Traffic Congestion

Chicago is ranked 10th for worst traffic in the United States. TomTom reports that an average driver spends 30 minutes per hour stuck in traffic during rush hour. Drivers waste 114 hours a year when commutes are 30 minutes or more.

Moving Violations

Moving violations like speeding tickets, accidents, and drunk driving will give you a bad driving record. Insurance companies will consider you a high risk driver and charge you higher ates.

Traffic Tickets

The Cook County Clerk of Courts website lets you pay traffic citations. It also tells drivers how to fight tickets, and gives helpful traffic court tips.

Chicago police wrote 211,843 traffic tickets in 2013.

Drunk Driving Arrests

Chicago reported 3,321 DUI arrests in 2014.

SR-22 DUI Insurance

A DUI conviction may require you to get an SR-22 form. Get a quote to find the cheapest rates for the most expensive type of car insurance. We can help you compare rates from multiple companies that specialize in Chicago DUI insurance.

Fatal Car Accidents

There were 131 fatal car accidents in Chicago in 2013.

Vehicle Theft Rates

Chicago reported 10,226 vehicle thefts in 2016. This is a rate of 3.76 thefts per 1,000 residents.

Legal Minimum Insurance Requirements

Chicago, Illinois has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

• Individual Bodily Injury Liability (BIL): $25,000.
  The most your insurer will pay for a single person injured in a car accident.
• Total Bodily Injury Liability: $50,000.
  The most insurance companies will pay in total for every person injured in a car accident.
• Property Damage Liability (PDL): $20,000.
  The total your insurance carrier will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. These are only a few of the auto insurance discounts available to Chicago, IL drivers. Get a quote and find out whether you’re paying too much for your car insurance policy.

1. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
2. Maintain at least a B grade point average in school to qualify for the good student discount
3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
4. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to more discounts
5. Keep your driving record clean. Tickets and accidents on your driving record will hit you hard in the pocketbook
6. Live in a safe zip code with low crime and good drivers. People that live in zip codes with high crime, lots of car break-ins, and bad driving conditions pay higher premiums
7. Drive less. Live close to work to qualify for the low mileage discount
8. Bundle your auto policy with your homeowners or renters insurance. Bundling policies and vehicles with one insurer is one of the best discounts. Bundling can save you as much as 15%
9. Are you married or getting married soon? Some insurers offer a marriage discount
10. Shop around and compare low-cost Chicago auto insurance quotes and see all the discounts you qualify for

Car insurance agents near Chicago, IL:

Sources:

• Cook County Clerk of Court - Traffic Division
• Chicago Illinois Crime Rates
• National Highway Traffic Safety Administration
• United States Census Bureau - Chicago, Illinois
• Alliance Against Intoxicated Motorists-2014 DUI Counts
• TRIP Urban Roads Report Appendix A
• TRIP Urban Roads Report Appendix C

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