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Chicago, Illinois

Best Auto Insurance Rates in Chicago

Best Auto Insurance Rates in Chicago

Average Chicago Car Insurance Rates

How much is car insurance in Chicago, IL? Accident rates and crime have been raising insurance prices 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, which is a lot more than the $775.24 per year paid for average auto insurance in Illinois. The national average cost is $866.31.

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 renting in Chicago owning 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 and a $500 comprehensive and collision deductible.

Compare Quotes in Chicago

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates in Chicago 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 and find the cheapest rates.

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.
Chicago drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Cheapest Car Insurance in Chicago

If you want cheap car insurance in Chicago, it's important to know which insurance company has the best rates and which cars cost the least to insure. We surveyed 500 Chicago residents and asked them what car they drive and how much they pay for insurance coverage.

Cheapest Car Insurance Companies

According to our data, These are the 10 cheapest insurance carriers in Chicago.

Company Monthly Rate
USAA $80
Liberty Mutual $108
American Family $109
Nationwide $114
GEICO $118
Progressive $119
Farmers $128
Allstate $128
State Farm $131
Esurance $190

Cheapest Vehicle to Insure in Chicago

Car Make/Model Monthly Rate
Hyundai Elantra $72
Toyota Prius $73
Nissan Rogue $79
Mazda 3 $80
Jeep Cherokee $81
Ford Focus $84
Toyota Camry $90
Kia Optima $94
Dodge Journey $99
Suburu Forester $101

Cheapest Car Insurance Rates in Chicago by Zip Code

Car insurance rates can depend on which neighborhood you live in. This table includes all Chicago zip codes and ranks them from cheapest car insurance rates to most expensive.

Chicago Car Insurance Rates by Zip Code
Zip Code Annual Cost Monthly Cost
60657 $1,100 $92
60614 $1,116 $93
60611 $1,151 $96
60601 $1,153 $96
60602 $1,160 $97
60610 $1,166 $97
60661 $1,176 $98
60654 $1,177 $98
60606 $1,195 $100
60613 $1,203 $100
60605 $1,213 $101
60603 $1,235 $103
60604 $1,254 $105
60631 $1,262 $105
60640 $1,263 $105
60656 $1,263 $105
60618 $1,278 $107
60646 $1,285 $107
60622 $1,304 $109
60607 $1,306 $109
60642 $1,315 $110
60630 $1,318 $110
60615 $1,334 $111
60660 $1,337 $111
60625 $1,339 $112
60647 $1,343 $112
60626 $1,346 $112
60634 $1,347 $112
60638 $1,364 $114
60641 $1,371 $114
60645 $1,375 $115
60616 $1,380 $115
60655 $1,384 $115
60659 $1,391 $116
60608 $1,396 $116
60643 $1,444 $120
60632 $1,470 $123
60652 $1,500 $125
60633 $1,504 $125
60629 $1,526 $127
60653 $1,530 $128
60612 $1,534 $128
60637 $1,534 $128
60617 $1,538 $128
60619 $1,538 $128
60609 $1,563 $130
60639 $1,570 $131
60620 $1,578 $132
60628 $1,590 $133
60649 $1,628 $136
60623 $1,649 $137
60644 $1,663 $139
60651 $1,665 $139
60621 $1,678 $140
60624 $1,682 $140
60636 $1,699 $142

Save With Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are only a few of the auto insurance discounts available to Chicago 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 additional 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

Top 10 Vehicles in Chicago

This is our list of the top 10 most popular car makes and models owned by Chicago drivers requesting quotes through QuoteWizard last year.

  1. Chevrolet Impala LS
  2. Chevrolet Malibu LS
  3. Honda Accord EX/LX
  4. Ford Taurus SE
  5. Chevrolet Cavalier
  6. Chevrolet Blazer
  7. Toyota Camry LE/XLE/SE
  8. Jeep Grand Cherokee Laredo
  9. Dodge Caravan
  10. Cadillac Deville
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Chicago

Our list of the top 10 most popular car insurance companies reported by 35,969 Chicago, IL QuoteWizard users last year. Of these users, 6,665 were uninsured.

  1. Allstate Insurance
  2. Geico
  3. Progressive Casualty
  4. Farmers Insurance
  5. AIG
  6. Esurance
  7. Liberty Mutual
  8. AAA Insurance
  9. Nationwide Insurance
  10. American Family
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Other popular Chicago, IL car insurance companies: 21st Century, Country Financial, MetLife, USAA, Safeco, Hartford, Travelers, and Illinois Farm Bureau.

Chicago Drivers

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 cheap car insurance.

When it comes to safe driving, Chicago leaves something to be desired. Chicago was ranked 134th out of 200 cities in Allstate’s annual “Best and Worst Cities for Drivers” report. Most US drivers go 10 years between accidents. However, drivers here have car accidents every 8 years. A rate 24.4% higher than the national average. Of the 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 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

According to Tripnet.com, 39% of the major roads in Chicago are in poor condition. Forty 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 contribute to 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, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.

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 information.

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 10,037 vehicle thefts in 2014. A rate of 3.69 per 1,000 city residents.

Most Stolen Cars in Illinois

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2000 Dodge Caravan
  2. 1999 Chevrolet Pick-Up (Small Size)
  3. 2000 Honda Civic
  4. 1997 Honda Accord
  5. 2006 Ford Pick-Up (Full Size)
  6. 2008 Chevrolet Impala
  7. 1996 Toyota Camry
  8. 2012 Chevrolet Malibu
  9. 1999 Jeep Cherokee/Grand Cherokee
  10. 1997 GMC Pick-Up (Full Size)

Car insurance agents in Chicago, IL:

Sources:

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