The best car insurance in Chicago, IL

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 8, 2021

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Chicago drivers pay an average of $2,040 per year for full coverage car insurance. That’s significantly more than the Illinois state average of $1,403. Since Chicago is the third-largest city in the United States, it’s not surprising that car insurance rates are so expensive. More people means more cars on the road, which means more chances for an accident.

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The easiest way for Chicago drivers to save money on car insurance is by comparing quotes from multiple companies. Policygenius can help you see quotes from top companies and choose the option that works best for you and your wallet.

Key Takeaways

  • Auto-Owners Insurance has the lowest average rates in Chicago at $1,103 per year for full coverage

  • The ZIP code with the cheapest rates in Chicago is 60601, with a yearly rate of $1,803

  • The minimum liability car insurance requirements in Illinois are $25,000 per person/$50,000 per accident in bodily injury liability and $20,000 in property damage liability

  • Illinois also requires uninsured motorist bodily injury coverage of $25,000 per person/$50,000 per accident

Cheapest car insurance companies in Chicago, IL

Insurance companies all use the same basic information to establish car insurance rates (age, location, driving history). However companies apply that data in different ways. That’s why some companies may consider a low credit score to be worse than multiple speeding tickets, while others may not.

Company

Average cost

JD Power Rating

Auto-Owners Insurance

$1,103

890

State Farm

$1,270

881

COUNTRY Financial

$1,292

863

GEICO

$1,317

871

Travelers

$1,515

861

Cheapest car insurance rates by ZIP code in Chicago, IL

Insurers look at the number of accidents, stolen vehicles, and acts of vandalism in a specific neighborhood and set rates accordingly. The more risk factors in your area, the more you’ll pay for car insurance. Below are the cheapest car insurance rates by ZIP code in Chicago.

ZIP code

Average cost

60601

$1,803

60602

$1,808

60603

$1,852

60604

$1,851

60605

$1,837

60606

$1,806

60607

$1,951

60608

$2,154

Choosing the right car insurance company in Chicago, IL

Selecting the right car insurance is an important decision for you and your family. You need enough coverage to protect you if you’re involved in an accident at a rate that won’t break the bank. 

That’s why shopping around is the best way to be sure you’re getting the most out of your policy. Answer a few questions, and Policygenius can help you see quotes from top companies.

Car insurance rates for drivers with driving violations in Chicago, IL

Chicago is the third-largest city in the United States. More traffic means more accidents and claims, leading to higher rates for everyone — but especially people with poor driving records. 

A single speeding ticket can raise your insurance rates by $300 annually, while a DUI conviction can double, or even triple rates with some insurers.

Violation

Auto-Owners Insurance

State Farm

COUNTRY Financial

GEICO

Travelers

At-fault Accident

$1,409

$1,531

$2,117

$2,488

$2,218

DUI

$2,107

$1,410

$2,218

$3,081

$2,452

Driving with a suspended license

$2,107

$1,410

$2,218

$3,398

$2,452

Driving with an open container

$2,107

$1,410

$1,865

$3,081

$2,096

Driving with expired registration

$1,105

$1,410

$1,865

$1,499

$2,096

Driving without Lights

$1,105

$1,410

$1,865

$1,701

$2,096

Failure to show documents

$2,107

$1,410

$1,865

$1,499

$2,096

Failure to stop at a red light

$1,105

$1,410

$1,865

$1,701

$2,096

Cheapest car insurance for drivers with bad credit in Chicago, IL

Insurance companies use your credit score to establish insurance rates. A low score means higher rates, which is why it’s all the more important for drivers with poor credit to shop around and compre quotes. The table below shows the cheapest average rates for drivers in Chicago with a low credit score.

Company

Rates for drivers with bad credit

COUNTRY Financial

$2,021

Travelers

$2,588

USAA

$2,668

GEICO

$2,699

State Farm

$2,800

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Buying car insurance in Chicago, IL

The Illinois minimum liability insurance requirements and requirements are:

  • Bodily Injury Liability Coverage per person: $25,000

  • Bodily Injury Liability Coverage per accident: $50,000 

  • Property Damage Liability Coverage: $20,000

  • Uninsured Motorist Bodily Injury Coverage: $25,000 per person/$50,000 per accident

  • Maintain continuous Illinois liability insurance coverage on vehicles with active registrations even if the vehicle isn’t driven

If you have a car payment, your lienholder likely requires you to carry full coverage insurance on your vehicle, meaning you also need comprehensive and collision coverage in your policy. If you’ve been turned down by insurance companies because of your credit score or other factors, you can get insurance through the Illinois Automobile Insurance Plan.

Illinois is a fault state when it comes to car accidents. This means that if an accident is your fault, your insurance company pays the other party’s repair costs and medical bills. 

How to get cheap car insurance in Chicago, IL

Car insurance is expensive in Chicago — but most insurance companies offer customers discounts to save money. Here are some of the most common:

 Bundling discount: For combining policies like your home, car, or renters insurance with the same company

  • Multi-car discount: Having more than one car on the same policy

  • Military discount: A discount for active-duty service members and their families

  • Safe-driver discount: For drivers without any accident claims during a given timeframe

Not everyone will qualify for discounts, so shopping around and comparing quotes is another way to save on car insurance.

Frequently asked questions

I’m single and getting married soon, will my rates change?

Insurance companies see married couples as more stable and less likely to file accident claims, so your rates could go down once you’re married, but probably not by a lot.

On my next birthday, I’ll be 23, will my insurance rates go down?

Insurance rates for young drivers typically decrease at age 25, so you’ll likely not see a significant reduction in your rates for two more years, although they may go down slightly.

I got a speeding ticket, will my insurance go up?

Speeding citations and other moving violations can raise insurance rates by hundreds of dollars. You may be able to take a defensive driving course to earn a discount to offset the increase in your rates.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.