On average, your neighbors pay $100 a month.See Your 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.
|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.|
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.
Chicago, Illinois has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:
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.
According to our data, These are the 10 cheapest insurance carriers in Chicago.
|Car Make/Model||Monthly Rate|
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.
|Zip Code||Annual Cost||Monthly Cost|
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.
This is our list of the top 10 most popular car makes and models owned by Chicago drivers requesting quotes through QuoteWizard last year.
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.
Other popular Chicago, IL car insurance companies: 21st Century, Country Financial, MetLife, USAA, Safeco, Hartford, Travelers, and Illinois Farm Bureau.
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.
The weather, driving, and road conditions are all factors that can influence insurance rates.
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.
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.
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 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.
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.
Chicago reported 3,321 DUI arrests in 2014.
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.
There were 131 fatal car accidents in Chicago in 2013.
Chicago reported 10,037 vehicle thefts in 2014. A rate of 3.69 per 1,000 city residents.
Source: National Insurance Crime Bureau - Hot Wheels Report 2014
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