Cheap Auto Insurance Quotes in Chicago, IL (2021)

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Whether the Windy City makes you think of deep-dish pizza or Al Capone, there’s one thing for sure. It’s a busy place, chock-full of things to do for every personality type out there.

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.

Car Insurance in Chicago, IL

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.

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Cheapest Car Insurance in Chicago, IL

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.

Best Car Insurance in Chicago, IL

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.

Average Car Insurance Cost

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Chicago, IL Driving Facts

Minimum Car Insurance Requirements in IL

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:

  • Bodily injury coverage per person / per accident: $25,000 / %50,000
  • Property damage liability coverage:  $20,000
  • Uninsured motorist bodily injury: $20,000/$40,000
  • Uninsured motorist property damage: $15,000 with $250 deductible
  • Underinsured motorist coverage: $25,000/$50,000

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.”

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Chicago Car Insurance Rates by Driver Age

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 AgeAvg. Monthly Cost
teens$405
20s$223
30s$162
40s$169
50s$169
60s$153
70s$172
80s$214
Driving HistoryAvg. Monthly Cost
No Violation$180
Speeding Ticket$211
At-Fault Accident$239
Failure to Stop for Red Light / Stop Sign$195

Chicago Car Insurance Rates by Driving and Accident History

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.

Chicago Car Insurance Rates by Credit Tier

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 TieAvg. Monthly Cost
Excellent$156
Good$189
Average$210
Poor$221

Chicago, IL DMV Information

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.

Public Transportation in Chicago, IL

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!

Conclusion: How to get the best and cheapest car insurance in Chicago, IL

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!

Find local Chicago agents

Inner City Underwriting Agency
1631 S Michigan Avenue, Chicago, IL 60616
LR WINDSOR
205 W Randolph St. Suite 730, Chicago, IL 60606
The Horton Group
500 W Monroe St Ste 3300, Chicago, IL 60661
Oak Brook Insurance Agency dba KSA Insurance Agency
7158 W Grand Ave, Chicago, IL 60707
Insurance Support Systems, Inc.
6962 W North Ave, Chicago, IL 60707
John E. Horn & Associates, Inc.
6650 N Northwest Hwy Ste 105, Chicago, IL 60631
Joseph Cacciatore & Co Insurance Agency
527 S Wells St 6th Floor, Chicago, IL 60607
Abis Insurance Services Inc
7030 W Belmont Ave, Chicago, IL 60634
Westside Insurance Agency, LLC
5845 W Chicago Ave, Chicago, IL 60651
Farmerbrown.com
750 N Franklin St Ste 208, Chicago, IL 60654

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Chicago stacks up for the state of Illinois:

honda
Honda Civic
Most Popular Car in
Chicago, IL
suspended licenses
#15
Cities with Most
Suspended Licenses Rank

FAQs - Chicago, IL Car Insurance

How do insurance companies decide what to charge me for insurance?

When an insurance company agrees to do business with you, it charges you by balancing your coverage needs against the risk it is exposing itself to by taking you on as a client. More specifically, insurance companies look at your personal profile and driving record to determine the chances of you filing a claim. This is because whenever you file a claim, it costs them money. Risk can be a tricky thing to calculate, and every insurance company does it differently. But all in all, risk is determined by using studies and statistics to predict the possibility of you making a claim based on things like age, gender, where you live, how far you drive, what kind of vehicle you drive, and your credit.

How do I know how much insurance I should carry?

It’s not always easy to know how much insurance to carry because everyone has their own threshold when it comes to handling risk. There’s no such thing as having too much insurance, but the more insurance you have, the more it’s going to cost you every month. It’s important that you start out by carrying at least the minimum amount of insurance that your state requires. If you are using a comparison calculator to get insurance quotes, that kind of information is already built into their algorithm.

What is forgiveness coverage?

Some insurance companies offer accident forgiveness or minor violation forgiveness. This basically allows you a do-over for your first accident in the eyes of the insurance company. Why is this such a big deal? Having an accident tells the insurance company that you are a more risky driver to insure—therefore, your rates go up. That’s just the way the system works. And it could take years of good driving for you to work those numbers down. That’s a lot of cash that could have gone elsewhere. Getting a second chance to start from scratch via accident forgiveness is really an incredible opportunity many people would not otherwise have.