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Since everyone’s an individual here, put them all together on the road at once and it can make for a mess. In this city, there’s no shortage of roadway accidents—over 300 per day! With those numbers, anyone with a window to the outside world knows that getting behind the wheel without insurance can really put you at risk.
The average cost of Illinois car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Chicago, IL to find you the cheapest quotes in the area.
Here are the cheapest carriers in Chicago for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
Progressive | $48/mo |
 Allstate | $84/mo |
 State Farm | $100/mo |
 Travelers | $133/mo |
 American Family | $196/mo |
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Chicago. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 Clearcover | $141/mo | |
American Family | $185/mo | |
 Nationwide | $235/mo | |
 Safeco | $141/mo | |
 Liberty Mutual | $193/mo |
| Aurora | $120/mo |
| Rockford | $111/mo |
| Joliet | $159/mo |
| Naperville | $124/mo |
| Chicago | $139/mo |
| Illinois | $131/mo |
Click here to learn about car insurance quotes and save on your current policy.
Illinois drivers must keep a copy of their insurance card in their vehicle at all times.
If you’re pulled over and you cannot provide proof of insurance, you will be required to provide that proof in court. And you’ll face a $100 fine.There are several important insurance requirements for minimum coverage for Illinois drivers:
Liabiltiy insurance coverage is non-negotable. You can, however, reject uninsured motorist coverage if you want to. You’ll need to do so in writing. Of course, we don’t recommend doing so, especially because an estimated 13.7% of Illinois drivers are uninsured.
Other optional coverages for your auto policy include, of course, comprehensive and collision. Comprehenisve coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision. Collision coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
As indicated in the table below, a driver’s age influences car insurance rates in Chicago. Why? Statistics show that insurance companies take on more risk when they write policies for very young and very old drivers. Higher risk means higher monthly insurance premiums on average. Drivers in their 20s here pay a monthly average of $222 to insure their vehicle, while drivers just 10 years older pay substantially less. Chicago drivers in their 30s and 40s pay an average of $161 and $168, respectively, to remain on the road. Drivers in their 70s also experience higher rates due to age—paying an average of nearly $20 more per month than those in their 60s to keep their policy intact.
| Driver's Age | |
|---|---|
| teens | $405 |
| 20s | $223 |
| 30s | $162 |
| 40s | $169 |
| 50s | $169 |
| 60s | $153 |
| 70s | $172 |
| 80s | $214 |
| Driving History | |
|---|---|
| No Violation | $180 |
| Speeding Ticket | $211 |
| At-Fault Accident | $239 |
| Failure to Stop for Red Light / Stop Sign | $195 |
It pays to keep a clean driving record in Chicago. Why? Your driving record is one thing insurance companies look at to determine your rates. If your driving record is marred with accidents and other driving violations, you will pay more than someone whose clean record reflects responsible driving. If you run a stop sign in Chicago, you’ll pay on average $15 more a month for car insurance than someone with a clean driving record. That’s an extra $180 per year! If you are found at fault for an accident, you’ll pay even more. Chicago drivers with an at-fault accident on their record can expect to pay an average of $238 per month, whereas motorists with spotless driving records pay an average monthly premium of just $179.
Drivers are getting pretty familiar with many of the factors that go into setting insurance rates. Your age, gender, and ZIP code are just a few. Not everyone is aware, however, that your credit score is also used by insurance companies as an indicator of risk. Higher risk means higher monthly premiums. Therefore, those with a strong credit history are more likely to get breaks on their insurance than those whose credit history is poor. In Chicago, drivers with a poor credit history pay an average of 42 percent more for their insurance than those with an excellent credit score.
| Credit Tie | |
|---|---|
| Excellent | $156 |
| Good | $189 |
| Average | $210 |
| Poor | $221 |
What’s on your to-do list today? Driver’s services? Registration? License plate renewal? You can visit one of the many service facilities throughout the city to take care of your licensing and titling business. There are 22 locations within 30 miles of the city. Not ready to step outside? There’s a whole lot you can do from a computer these days. And, if you’re worried you might drop the ball when it comes to registering your vehicle, you can go online and enter your information into their new email renewal service. This service will allow you to get email notices on the upcoming vehicle expiration date of the vehicle. You can check here for online driver’s services and here for access to online titling and registration options. If you live in the Chicagoland or Metro East areas, emissions testing is required prior to renewing your vehicle.
There are plenty of ways to get around Chicago, and the city’s grid system makes things a little easier for the directionally challenged. The Chicago Transit Authority is the nation’s second-largest public transportation system and operates Chicago’s eight ‘L’ train lines and 129 bus routes. Not everyone’s a fan of those systems, however, so you can also use the high-speed Metra commuter rail, taxis, ridesharing, and even water taxis to get around and down to the heart of the city. Cycling enthusiasts should also feel good about taking a spin around town on Divvy, Chicago’s bikeshare program, which amazingly offers over 580 stations and 5,800 bikes across the city. And for any of you thinking that biking through a busy city like Chicago is tempting fate just a little, there are over 200 miles of protected bike lanes here. Bike worry-free!
It took a lot of risk to build this city. Can you imagine what kind of stomach it took for workers to put up the world’s first modern skyscraper—the Home Insurance Building—in 1885?
Luckily for construction workers, a lot has improved—and who would have ever thought back then of all the things we can do today? Your stomach shouldn’t be churning over rising insurance rates; there’s always something you can do about it. You can get a custom quote from hundreds of insurance carriers online right now in minutes with Insurify. Put down that pizza! You have work to do!
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Chicago drivers measure up to their fellow Illinois motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Chicago drivers rank 25 in the number of car accidents per driver across all cities in Illinois.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Illinois, Chicago drivers rank 26 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Chicago drivers rank 17 in the number of DUI’s per driver across all cities in Illinois.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Chicago is the Honda Civic.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Illinois, Chicago drivers rank 7 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Chicago drivers rank 1 in clean driving records across all cities in Illinois.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Chicago drivers rank 8 in failure to yield violations per driver across all cities in Illinois.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Illinois, Chicago drivers rank 4 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Chicago drivers rank 7 in hybrid and electric vehicle ownership across all cities in Illinois.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
