120+ more*Quotes generated for Insurify users in and around Chicago, Illinois within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Chicago, Illinois within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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NPN: 21630969
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
The cheapest overall insurer in Chicago is Auto-Owners.
Chicago has the highest car insurance rates in Illinois.
Chicago has the worst traffic congestion in the country.
Car insurance in Chicago costs an average of $159 per month. Liability-only insurance averages $101 per month, and full coverage costs an average of $217 per month.
Unsurprisingly, Chicago has the highest car insurance rates in Illinois. Chicago has more than 12,000 people per square mile, which is more than five times the population density of the state.[1] Drivers also spend far more time getting to work than the state average.
More time spent driving on crowded Chicago roads increases the risk of auto accidents, which leads to higher insurance rates. The nearby suburb of Schaumburg is less dense and has car insurance rates that are similar to the Illinois average — $72 per month for liability coverage and $152 per month for full coverage.
The table below shows which companies offer the cheapest car insurance quotes for liability insurance in Chicago, according to Insurify data.
Car Insurance Costs in Chicago vs. Illinois  | Average Monthly Quote |
|---|---|
| Chicago average | $159 |
| Illinois average | $120 |
Auto-Owners offers the cheapest quotes for liability-only car insurance in Chicago, at an average of $51 per month.
Auto-Owners has the cheapest average full-coverage rates, at $96 per month.
As one of the country’s largest metropolitan areas, Chicago isn’t an easy place to drive. Aside from traffic congestion, Chicagoans deal with snow and icy roads every winter. The city urges drivers to clear snow and ice from their cars and defrost their windshields before driving.[2]
More than 164,000 car crashes occurred in Cook County in 2024.[3] Defensive driving in the Windy City is essential. Be especially attentive at traffic lights and stop signs. One-quarter of traffic fatalities in Chicago occur when drivers fail to obey traffic signals.[4]
Cook County has the third-highest volume of vehicle thefts in the country, according to the National Insurance Crime Bureau. The Chicago Police Department also cites catalytic converter thefts as a persistent problem.[5] Both trends help explain why full-coverage car insurance is so expensive in the city.
If you often park in the Loop, make sure your car has adequate security to deter theft and vandalism. Installing safety features like anti-theft alarms can help lower your car insurance rates.
Illinois car insurance rates vary significantly from city to city. Chicago is the most expensive, while downstate cities like Decatur, Champaign, and Moline have the lowest rates among Illinois’ urban areas.
Because Chicago accounts for the vast majority of the state’s crashes and vehicle thefts, it makes sense that insurance is more expensive in the city. Full coverage costs 41% more than the state average in Chicago.
The table below shows how average car insurance rates in Illinois vary by city, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Aurora | $114 |
| Berwyn | $130 |
| Chicago | $159 |
| Cicero | $150 |
| Decatur | $101 |
| Elgin | $114 |
| Joliet | $121 |
| Naperville | $105 |
| Peoria | $113 |
| Rockford | $109 |
| Springfield | $119 |
| Waukegan | $114 |
Chicago has the most traffic congestion in the U.S., according to transportation analytics company INRIX.[6] The average commute time in Chicago is more than 33 minutes. That’s a lot of time to spend on the road every year. Long commutes increase the risk of car crashes, which, in turn, raise insurance rates.
Chicago has a few major hot spots for car accidents.[7] The Loop, Near North Side, and Garfield Park all have high rates of crashes. Because accident rates vary across the city, your ZIP code plays a significant role in your car insurance rates.
Chicago has the most expensive car insurance in Illinois for a few reasons. The city leads the country in traffic congestion and ranks No. 3 for vehicle thefts. Winter weather also creates hazardous driving conditions throughout the city.
Traffic, thefts, and severe weather partly explain why Chicago’s premiums are far higher than the average cost of car insurance in Illinois.
Chicago drivers pay an average of $101 per month for state-minimum liability car insurance.
Illinois requires drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, plus $20,000 of property damage liability coverage.[8] You also need uninsured/underinsured motorist (UM/UIM) coverage matching the minimum liability limits.
This table shows the companies with the cheapest liability-only car insurance coverage in Chicago, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $51 |
| State Farm | $56 |
| Certainly | $72 |
| Country Financial | $77 |
| Progressive | $79 |
| Direct Auto | $82 |
| GEICO | $82 |
| The General | $84 |
| Erie | $86 |
| First Chicago | $87 |
| USAA | $90 |
| Mercury | $94 |
| American Family | $98 |
| GAINSCO | $98 |
| Safeco | $98 |
| Bristol West | $103 |
| National General | $106 |
| Dairyland | $114 |
| Freedom National | $114 |
| Nationwide | $115 |
| Elephant | $119 |
| Clearcover | $123 |
| First Acceptance | $124 |
| Travelers | $124 |
| Farmers | $132 |
| Root | $136 |
| Allstate | $139 |
| Liberty Mutual | $142 |
| Mendota | $144 |
| State Auto | $174 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Full-coverage car insurance in Chicago costs an average of $217 per month. That’s 41% more than it costs in the rest of the state. Still, in a city with a high volume of thefts and crashes, full-coverage car insurance is a good idea for many Windy City drivers.
This table shows the cheapest car insurance quotes for full-coverage auto insurance in Chicago, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $96 |
| State Farm | $104 |
| Country Financial | $146 |
| Safeco | $152 |
| Erie | $159 |
| GEICO | $159 |
| Direct Auto | $162 |
| Progressive | $163 |
| Mercury | $166 |
| USAA | $170 |
| American Family | $183 |
| Elephant | $199 |
| National General | $202 |
| Certainly | $208 |
| Nationwide | $215 |
| Root | $218 |
| The General | $218 |
| First Chicago | $219 |
| Liberty Mutual | $227 |
| Clearcover | $231 |
| Travelers | $232 |
| Bristol West | $238 |
| Farmers | $247 |
| Freedom National | $253 |
| GAINSCO | $257 |
| Allstate | $259 |
| Mendota | $281 |
| First Acceptance | $294 |
| Dairyland | $325 |
| State Auto | $326 |
*Quotes generated for Insurify users in and around Chicago, Illinois within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Chicago, Illinois within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
On average, Chicago drivers with a speeding ticket on their record pay $130 per month for car insurance.
When it comes to speed, drivers in Chicago should be extra careful around schools and parks. The city has 162 automated speed enforcement cameras in areas on the North, South, and West Side.[9]
These companies offer the cheapest auto insurance rates to Chicago drivers with speeding tickets on their records, according to Insurify.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $67 |
| State Farm | $72 |
| Certainly | $93 |
| Progressive | $102 |
| Direct Auto | $105 |
| Country Financial | $106 |
| GEICO | $109 |
| First Chicago | $112 |
| The General | $114 |
| Erie | $115 |
| USAA | $118 |
| GAINSCO | $119 |
| American Family | $129 |
| Safeco | $131 |
| Mercury | $132 |
| Bristol West | $132 |
| National General | $134 |
| Dairyland | $144 |
| Elephant | $145 |
| Freedom National | $147 |
| Nationwide | $151 |
| Clearcover | $159 |
| First Acceptance | $160 |
| Travelers | $163 |
| Root | $165 |
| Farmers | $172 |
| Allstate | $183 |
| Liberty Mutual | $184 |
| Mendota | $186 |
| State Auto | $234 |
Chicago drivers with an at-fault accident on their record pay an average of $139 per month for car insurance. Insurify data shows that 3% of Chicago drivers have an at-fault accident on their record, which is lower than the state average.
These auto insurance companies offer the cheapest average rates to drivers in Chicago with at-fault accidents.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $69 |
| State Farm | $76 |
| Certainly | $99 |
| Country Financial | $108 |
| Progressive | $109 |
| GEICO | $110 |
| Direct Auto | $114 |
| Erie | $118 |
| The General | $118 |
| First Chicago | $120 |
| USAA | $123 |
| GAINSCO | $128 |
| American Family | $135 |
| Bristol West | $139 |
| Safeco | $139 |
| Mercury | $143 |
| National General | $144 |
| Dairyland | $154 |
| Freedom National | $157 |
| Nationwide | $158 |
| Elephant | $159 |
| First Acceptance | $170 |
| Travelers | $171 |
| Root | $175 |
| Clearcover | $179 |
| Farmers | $180 |
| Allstate | $191 |
| Liberty Mutual | $192 |
| Mendota | $198 |
| State Auto | $243 |
People with a driving under the influence (DUI) conviction in Chicago pay an average of $144 per month for liability car insurance.
The state may also suspend your driver’s license for a minimum of one year for a first-offense DUI in Chicago. You’ll also face a fine of up to $2,500 and possible prison time.[10]
The table below shows the companies with the cheapest rates for drivers with DUIs in Chicago, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $70 |
| State Farm | $80 |
| Certainly | $102 |
| Country Financial | $108 |
| Progressive | $112 |
| The General | $116 |
| GEICO | $117 |
| Direct Auto | $117 |
| Erie | $123 |
| First Chicago | $124 |
| USAA | $129 |
| American Family | $134 |
| GAINSCO | $140 |
| Mercury | $143 |
| Bristol West | $147 |
| Safeco | $149 |
| National General | $152 |
| Freedom National | $162 |
| Dairyland | $163 |
| Nationwide | $165 |
| Clearcover | $169 |
| Elephant | $170 |
| First Acceptance | $176 |
| Travelers | $178 |
| Farmers | $189 |
| Root | $195 |
| Allstate | $199 |
| Liberty Mutual | $203 |
| Mendota | $205 |
| State Auto | $239 |
Adding a teenage driver to your auto insurance in Chicago isn’t easy on the wallet. Chicago teens pay an average of $206 per month for liability car insurance.
Illinois drivers can get their license as young as age 16. But until they turn 18 or have had their license for one year, they’re subject to nighttime restrictions and passenger limits.[11]
This table shows the cheapest auto insurance quotes for Chicago teenagers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $109 |
| State Farm | $115 |
| Country Financial | $133 |
| Certainly | $147 |
| GEICO | $157 |
| The General | $161 |
| Progressive | $161 |
| Erie | $168 |
| Direct Auto | $169 |
| USAA | $176 |
| First Chicago | $178 |
| Mercury | $182 |
| GAINSCO | $185 |
| Bristol West | $194 |
| American Family | $196 |
| Safeco | $210 |
| Dairyland | $211 |
| Clearcover | $216 |
| Root | $221 |
| National General | $224 |
| Elephant | $226 |
| Freedom National | $233 |
| Nationwide | $237 |
| First Acceptance | $253 |
| Liberty Mutual | $265 |
| Travelers | $272 |
| Farmers | $279 |
| Allstate | $291 |
| Mendota | $294 |
| State Auto | $442 |
Compare quotes from multiple insurers and get covered today
At $85 per month, senior drivers have the lowest average car insurance rates of any Chicago age group.
Chicago has a lower proportion of seniors than the state as a whole. Effective July 1, 2026, senior drivers won’t have to take an annual test to renew their license until age 79.[12]
Below, you’ll find the companies with the cheapest car insurance quotes for Chicago’s senior drivers, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $40 |
| State Farm | $43 |
| Country Financial | $60 |
| Certainly | $60 |
| GEICO | $64 |
| Erie | $65 |
| Direct Auto | $66 |
| Progressive | $66 |
| The General | $71 |
| USAA | $72 |
| First Chicago | $73 |
| Mercury | $73 |
| American Family | $77 |
| National General | $82 |
| GAINSCO | $83 |
| Safeco | $84 |
| Bristol West | $85 |
| Nationwide | $87 |
| Dairyland | $96 |
| Freedom National | $96 |
| Elephant | $96 |
| Travelers | $97 |
| Farmers | $103 |
| First Acceptance | $104 |
| Clearcover | $107 |
| Allstate | $111 |
| Liberty Mutual | $116 |
| Mendota | $121 |
| Root | $123 |
| State Auto | $129 |
Below, we answer some common questions about car insurance in Chicago.
Auto-Owners offers the cheapest average car insurance rates in Chicago, at $51 per month. But the cheapest company for you will depend on factors like your insurance needs, ZIP code, and age.
Car insurance in Chicago costs an average of $159 per month. That’s typically more than the state average of $120 per month.
Full-coverage car insurance offers the most protection in Chicago. Freezing winter temperatures and snow create dangerous driving conditions, increasing the risk of accidents. Falling branches due to severe thunderstorms can also cause damage to your car. Full coverage typically covers your injuries and damage to your vehicle.
A number of factors affect car insurance rates in Chicago. Personal details like marital status, age, and gender influence how much you pay for coverage. Your ZIP code, driving record, and coverage choices also affect your premium.
Comparing quotes from multiple companies is the easiest way to find affordable car insurance in Chicago. You can also ask your insurer about discounts. Many insurers offer savings for bundling policies and safe driving. Increasing your deductible will lower your monthly costs, but make sure you can afford the extra out-of-pocket expense if you file a claim.
Not typically. Discounts vary from company to company, but no insurers advertise discounts specific to Chicago. Common discounts offered by insurers in Chicago include savings for safe driving, good grades, and installing safety features.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Small business blogger
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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