Best Auto Insurance Rates in Chicago, Illinois

Compare Auto Insurance in Chicago

Monday, January 14 2019 By QuoteWizard

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 does car insurance in Chicago, IL cost? 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.

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, IL

These are the most popular car insurance companies reported by 35,969 Chicago, Illinois 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

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

Minimum Car Insurance Requirements in Chicago, IL

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.

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 Chicago 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 28 percent of the major roads in Chicago are in poor condition. 35 percent are mediocre. The poor condition of city streets costs drivers $627 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 29 minutes per hour stuck in traffic during rush hour. Drivers waste 111 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 could force you to purchase high-risk policy to maintain coverage.

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.

Car Insurance Discounts

Discounts are a great way to lower your insurance premium. 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 one of the 11.6 percent of Chicago residents over the age of 65, you could qualify for either the senior discount or the 55 and retired discount
2. Crime is a big problem in Chicago. Unfortunately, crime increase your auto insurance rates if it's bad enough. In Chicago, it's that bad. In fact, Chicago has been called one of the most dangerous cities in the nation.
3. Many insurers offer a discount to people that complete driving safety courses. And when you consider that 13.7 percent of Illinois drivers are uninsured, a little extra skill behind the wheel might not be a bad idea
4. 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 25 percent off your insurance premium
5. Some insurers offer a marriage discount. So, if you're one of the 35.1 percent of Chicago households with married couple living together, you may be able to shave a few bucks off your insurance payment

Rate Methodology

¹ We compared rates from three different insurance companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean driving record and drive less than 10,000 annual miles. Coverage includes state liability minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies also include $10,000 personal injury protection and a $500 comprehensive and collision deductible.

Car insurance agents in Chicago, IL:

David Jara COUNTRY Financial

(773) 284-5945 6239 S Archer Ave
Chicago, IL 60638

My personal mission as a COUNTRY Financial Representative is to build long lasting relationships with all of my clients. I believe in providing each client with honest advice and helping my clients, by offering them the financial resources and products that best suit their needs.

Get a Free Quote

Sources:

• Cook County Clerk of Court - Traffic Division
• Chicago Illinois Crime Rates
• National Highway Traffic Safety Administration
• United States Census Bureau - Chicago, Illinois
• TRIP Urban Roads Report Appendices

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