Cheapest Auto Insurance in Chicago, Illinois (2024)

Auto-Owners has the cheapest liability coverage in Chicago, at $35 per month.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

Featured in

media logomedia logomedia logo
Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated April 18, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

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.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Chicago, Illinois

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $65/mo for full coverage in Chicago and other Illinois cities.

*Quotes generated for Insurify users in and around Chicago, Illinois within the last 10 days. Last updated on April 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 18, 2024. 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 April 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

With more than 2.7 million residents, Chicago is the largest city in Illinois.[1] This is likely why its overall average monthly car insurance cost of $155 is higher than the state average of $131. 

Increased population means more drivers on the road, more traffic congestion, and a higher likelihood of accidents. A high rate of vehicle thefts also contributes to the city’s higher car insurance rates — vehicle theft rates in the city jumped 26% in 2023.[2]

But you can still secure affordable car insurance rates by comparing quotes from multiple insurers.

Quick Facts
  • Drivers in Chicago pay an average of $92 per month for liability insurance and $219 per month for full coverage.

  • The cheapest car insurance companies in Chicago are Auto-Owners, State Farm, and GEICO.

  • Illinois offers the Illinois Auto Insurance Plan (IAIP) for drivers who can’t secure coverage from a traditional insurer.

3 of the cheapest car insurance companies in Chicago

Three of the cheapest car insurance companies in Chicago are State Farm, Auto-Owners, and Hugo. While these companies are an affordable option for many drivers, your rates will vary based on your driver profile and coverage needs.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.5$50$30Teen drivers
Auto-Owners4.0$46$28Drivers with incidents
Hugo3.3$83$40Infrequent drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$61/mo

People younger than 18 comprise 20% of Chicago’s population, according to the U.S. Census Bureau.[3] If you or someone in your household is a teen driver, consider State Farm for its competitive rates and many discounts.

Pros
  • High levels of claims and customer satisfaction[4]

  • Offers rideshare insurance

Cons
  • No gap insurance

  • Doesn’t offer accident forgiveness

Read our State Farm review
Hephzibah - April 16, 2024
Verified

Looking for Good Service and Prices

Not good. The quotes changed and they were difficult to deal with.

Jane - April 16, 2024
Verified

Good Deals

They are friendly and offer good pricing.

Roger - April 16, 2024
Verified

Excellent

Very good agent.

Best insurer for drivers with incidents: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$35/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$58/mo

Chicago experienced more than 100,000 crashes in 2023, according to the Chicago Health Atlas.[5] Auto-Owners is an excellent option for drivers with a moving violation on their record. The company offers great rates and accident forgiveness coverage to prevent rates from increasing after their first accident.

Pros
  • Wide selection of coverage options

  • Ranked above average in J.D. Power’s auto claims satisfaction survey[4]

Cons
  • Only offered in 26 states

  • Online quotes unavailable

Read our Auto-Owners review
Jack - April 9, 2024
Verified

Poor Handling but Partial Payment Made

I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.

Erin - April 7, 2024
Verified

Unhappy with Renewal Costs

The premium is ridiculously expensive for the few miles I drive.

Brandy - April 6, 2024
Verified

Fair Prices from a Trustworthy Company

I've had zero issues!

Best insurer for infrequent drivers: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$49/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$97/mo

The average time it takes Chicagoans to travel to work is 34 minutes, according to the U.S. Census Bureau.[3] Hugo’s pay-per-mile insurance allows you to get cheap car insurance by paying for coverage only when you drive. It’s perfect for retirees, people who work from home, and people who don’t drive often.

Pros
  • Short-term coverage available

  • No down payment required

Cons
  • Regional availability

  • No discounts and limited coverage options

Read our Hugo review
Ronald - March 8, 2024
Verified

Hugo gradually increases prices like other insurance companies

I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.

Leo - March 4, 2024
Verified

Great Option for Liability Coverage

Excellent.

Britany - February 26, 2024
Verified

Excellent

So far, so good.

How to get the cheapest car insurance in Chicago

Factors insurers take into account when buying car insurance include your location, age, gender, driving history, coverages, vehicle, credit history, and more. Here are some ways to score the cheapest car insurance in Chicago:

  • Shop around. Insurance rates vary widely by insurance company. You can save money by shopping around for an insurer that offers the best coverage at the lowest rates. Ensure each quote has similar coverages, limits, and deductibles to get the most accurate comparisons.

  • Seek discounts. Many insurers offer discounts that you can take advantage of. Popular discounts include ones for bundling multiple insurance products, safe driving, getting good grades, and paying your policy in full.

  • Switch to pay-per-mile insurance. If you drive infrequently, a pay-per-mile policy can save you money compared to a traditional policy. With pay-per-mile insurance, you only have to pay for coverage when you drive.

  • Increase your deductible. The higher your deductible is, the lower your insurance premium will be. But if you raise your deductible, be sure you can pay out of pocket if you need to file a claim.

Find Cheap Car Insurance in Chicago

Liability rates start at $35 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest liability-only car insurance in Chicago: Auto-Owners

In Illinois, liability-only car insurance provides the state-minimum amount of coverage for bodily injury liability, uninsured/underinsured motorist coverage, and property damage liability.

Liability insurance in Chicago costs $92 per month, on average. Look at the table below for the average monthly cost of liability insurance with Chicago insurers.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
Auto-Owners35
State Farm37
GEICO49
Hugo49
COUNTRY Financial52
Erie56
Mile Auto58
USAA61
American Family66
Safeco70
Mercury72
Clearcover77
Nationwide77
Travelers83
Farmers89
Direct Auto90
Allstate93
Midvale Home & Auto100
State Auto100
GAINSCO105
Elephant108
Dairyland111
The General114
Liberty Mutual117
Bristol West127
Foremost165
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Chicago: Auto-Owners

While a liability-only policy protects the other party if you’re at fault, full-coverage car insurance includes protections for your vehicle, such as collision or comprehensive coverage. If you’re a frequent driver, live in a high-risk area, or drive a new or high-value vehicle, consider carrying a full-coverage insurance policy.

Chicago drivers pay a monthly average of $219 for full coverage. The table below displays quotes for full-coverage policies from various insurance companies.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
Auto-Owners58
State Farm61
Mile Auto82
GEICO83
COUNTRY Financial87
Erie95
Hugo97
USAA101
American Family108
Mercury119
Clearcover125
Safeco130
Travelers130
Nationwide133
Farmers147
Allstate154
Midvale Home & Auto162
Direct Auto177
Liberty Mutual186
State Auto193
Elephant195
GAINSCO229
Dairyland293
The General300
Bristol West308
Foremost375
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Estimate your Chicago car insurance costs

Select discounts that apply to you
Save 25%
Save 4%
Save 20%
Save 37%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

Car insurance requirements in Illinois

Illinois is an at-fault or tort state. This means that if you cause a car accident, your insurance company must pay for the injured party’s vehicle repair and medical expenses up to your coverage limit. The table below shows the minimum liability requirements in Illinois.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident
Uninsured/underinsured motorist$25,000 per person / $50,000 per accident

If you want a more extensive policy, consider adding these additional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision coverage

    Collision insurance pays for vehicle repairs and replacement if you collide with a car or an object, such as a mailbox or fence, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance compensates you for vehicle repairs and replacement if a non-collision event, like theft or severe weather, damages your vehicle.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    If your car is in the shop and needs repairs due to a covered reason, rental car reimbursement will help you pay for the cost of a rental car.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Emergency roadside assistance

    With this policy, your insurer covers emergency services like jump-starting or towing your car if it breaks down on the side of the road.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Gap insurance

    If you have an outstanding loan on your car, gap insurance covers the difference between the actual cash value of your car and the remaining balance on your loan if your car is stolen or totaled.

  • illustration card https://a.storyblok.com/f/162273/150x150/e6724dbabb/states_illinois.svg

    Illinois Automobile Insurance Plan

    The Illinois Auto Insurance Plan (IAIP) is a program for drivers who can’t get insurance due to their driving record or vehicle type.[6] To be eligible for this program, you must:

    • Have been turned down for auto insurance from several insurance companies

    • Own or be eligible for a valid driver’s license

    • Have no outstanding insurance premiums due for the past 36 months

    • Own a vehicle that’s safe to drive

Cheapest car insurance for drivers with an incident

Driving incidents refer to speeding tickets, driving under the influence, at-fault accidents, and other moving violations. Incidents signal to insurance companies that you engage in risky driving behaviors and are more likely to file a claim in the future. To offset the risk, insurers generally offer drivers with an incident on their record higher policy rates.

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Driving significantly above the speeding limit is a traffic hazard and increases the likelihood of an accident. As a result, drivers with a speeding ticket on their record experience higher premiums. The average cost of car insurance for drivers with a speeding ticket in Chicago is $321 per month for full coverage and $135 for a liability-only policy.

The table below compares average liability insurance quotes for drivers with clean records and for drivers with speeding tickets from popular insurers.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners3547
State Farm3748
GEICO4964
Hugo4970
COUNTRY Financial5269
Erie5680
Mile Auto5884
USAA6180
American Family6687
Safeco7099
Mercury72108
Clearcover77108
Nationwide77101
Travelers83110
Farmers89116
Direct Auto90121
Allstate93121
GAINSCO105134
Elephant108142
Dairyland111150
The General114154
Liberty Mutual117164
Bristol West127169
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

An at-fault accident on your record signals to insurers that you’re more likely to be in an accident again and subsequently file a claim. As a result, you may see your rates rise after causing an accident.

Drivers with an at-fault accident in Chicago pay an average of $141 per month for liability coverage.

Here are average quotes for minimum-coverage car insurance for drivers with a clean record compared to drivers with an accident from different insurers.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Accident
Auto-Owners3557
State Farm3761
GEICO4980
Hugo4974
COUNTRY Financial5285
Erie5684
Mile Auto5899
USAA61100
American Family66108
Safeco70115
Mercury72121
Clearcover77126
Nationwide77126
Travelers83136
Farmers89146
Direct Auto90147
Allstate93152
GAINSCO105172
Elephant108177
Dairyland111182
The General114187
Liberty Mutual117192
Bristol West127208
Foremost165270
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Driving under the influence is illegal and dangerous. And DUIs have financial consequences — namely, a significant increase in insurance premiums. Some insurers may deny you coverage or require you to carry an SR-22 to prove you have the minimum required insurance.

Liability insurance for drivers in Chicago with a DUI costs $159 per month, on average.

The table below compares liability-only car insurance quotes for drivers with clean records to drivers with DUIs from various insurance companies.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith DUI
Auto-Owners3557
State Farm3761
GEICO4980
Hugo4974
COUNTRY Financial5285
Erie5684
Mile Auto5899
USAA61100
American Family66108
Safeco70115
Mercury72121
Clearcover77126
Nationwide77126
Travelers83136
Farmers89146
Direct Auto90147
Allstate93152
GAINSCO105172
Elephant108177
Dairyland111182
The General114187
Liberty Mutual117192
Bristol West127208
Foremost165270
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Affordable Rates in Chicago After an Incident

Rates average $218 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest car insurance for seniors: Auto-Owners

Seniors pay some of the lowest car insurance rates but may see an increase in rates around age 70. This is because age-related conditions, such as decreased cognitive and physical functions, increase the likelihood of an accident.

Senior drivers in Chicago pay a monthly average of $64 for minimum-coverage policies.

The table below shows average quotes for liability-only and full-coverage policies for senior drivers.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
Auto-Owners4225
State Farm4326
Mile Auto5841
GEICO6036
COUNTRY Financial6539
Erie6639
USAA7445
American Family7848
Mercury8954
Nationwide9253
Travelers9460
Safeco10255
Farmers10664
Clearcover10867
Allstate11469
Direct Auto12564
Liberty Mutual14088
Elephant14178
GAINSCO17480
Dairyland21883
The General22686
Bristol West22794
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Insurance rates for teen drivers are much higher than for adults older than 25. Younger drivers lack experience and are more likely to engage in distracted or reckless driving behavior. Fortunately, teens have ways to lower car insurance, like shopping around, staying on their parents’ insurance, driving a safe car, and getting a good student discount.

Liability insurance for teen drivers in Chicago costs $161 per month, and full coverage costs $383 per month.

Below are average monthly quotes for liability-only and full-coverage policies for Chicago teens.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
Auto-Owners9658
State Farm10463
COUNTRY Financial12273
GEICO13077
Mile Auto157111
USAA166100
Erie172102
Hugo17488
American Family183112
Mercury217131
Clearcover222137
Nationwide226131
Safeco231124
Travelers233149
Farmers254154
Allstate269162
Liberty Mutual312196
Elephant320177
Direct Auto321163
GAINSCO407187
Dairyland472179
The General477181
Bristol West509210
Foremost665293
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Chicago

Liability rates start as low as $35 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Chicago car insurance quotes by credit tier

Illinois is one of the states that allow insurers to consider credit history when determining a driver’s premiums. On average, drivers with poor credit see higher rates on their insurance policies, while drivers with good to excellent credit receive lower rates.

Take a look at the average cost of car insurance based on credit profiles for the city of Chicago.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Chicago?

The cost of car insurance in Chicago averages $155 per month, which is more than the state average of $131. But car insurance rates vary by city due to differences in population, weather, traffic congestion, accident rates, driver demographics, and more.

More cities in Illinois

Take a look at the cost of insurance in various Illinois cities. Chicago’s insurance rates are higher than in most other Illinois cities.

CityLiability OnlyFull Coverage
Aurora$77$178
Decatur$71$146
Joliet$76$165
Peoria$77$176
Rockford$72$153
Springfield$78$173
Waukegan$74$151
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Chicago car insurance FAQs

Finding the right car insurance can be overwhelming. The answers below may help you with any remaining questions about securing cheap car insurance in Chicago.

  • How much is car insurance in Chicago?

    Chicagoans pay $219 per month for full-coverage insurance and $92 per month for liability-only coverage, on average.

  • Which company has the cheapest car insurance in Chicago?

    Auto-Owners, State Farm, and GEICO offer the cheapest liability coverage in Chicago, at $35, $37, and $49 per month, respectively.

    But these insurers might not meet your needs. Comparing quotes from multiple insurers is the best way to find the type of policy you’re looking for at an affordable cost.

  • What are the best car insurance companies in Chicago?

    The best insurance companies in Chicago are Auto-Owners, State Farm, and Hugo. These three insurers fit a wide range of driver profiles and offer affordable coverage. Additionally, these insurers all have decent Insurify Quality Scores of 4.0, 4.5, and 3.3, respectively.

  • Why is car insurance so expensive in Chicago?

    Chicagoans experience higher rates for a few reasons. Chicago has a big population, which means more drivers, more traffic, and a higher likelihood of accidents and claims.[1] In 2023, Chicago experienced more than 100,000 crashes.[5]

    Additionally, in 2023, Illinois found that Chicago car thefts were at an all-time high, with more than 29,000 stolen vehicles.[7] Having more car thefts means an increase in claims and rates for everyone. But drivers who add security features or already have them on their cars can sometimes get a discount from their insurer.

  • What company has the cheapest car insurance in Illinois?

    Auto-Owners offers the cheapest liability rates in Illinois, at $28 per month.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. CUBIT. "Illinois Demographics."
  2. Illinois Policy. "Chicago Hits Record High Car Thefts, Record Low Arrests in 2023."
  3. Census.gov. "U.S. Census Bureau QuickFacts."
  4. Jdpower.com. "2023 U.S. Auto Claims Satisfaction Study."
  5. Chicago Health Atlas. "Traffic Crashes."
  6. Illinois.gov. "Auto Insurance Shopping Guide."
  7. Illinois Policy. "Carjacking in IL."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all