The best car insurance in Chicago, IL
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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.
Gianetta Palmer
Freelance contributor