Cheapest Auto Insurance in Cicero, Illinois (2024)
Auto-Owners offers the cheapest car insurance in Cicero, with minimum-coverage policies as low as $33 per month.
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Written byJamie Johnson
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6 years experience in personal finance writing
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
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Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 20, 2024
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Table of contents
The overall average cost of car insurance in Cicero, Illinois, is $140 per month. This is similar to the monthly state average of $128 but less than the national average of $154 a month.
Cicero is a suburb of Chicago and one of the largest municipalities in Illinois. However, despite its proximity to the Windy City, Cicero reported just 198 vehicle thefts in 2021, according to the most recent data available through the FBI’s Crime Data Explorer. By comparison, Champaign, which has a smaller population than Cicero, reported 243 motor vehicle thefts.
Generally, you can expect to find cheaper car insurance rates in locations with lower rates of crime, vehicle theft, and vandalism. And you’ll pay more for auto insurance if you live in a city with higher vehicle crime rates. So Cicero’s fewer thefts could contribute to the city’s low average insurance rates. Here’s how to find the best coverage in Cicero.
Quick Facts
The average cost of car insurance in Cicero is $85 a month for liability only and $195 a month for full coverage.
Auto-Owners, State Farm, and GEICO are the cheapest insurers for liability-only and full-coverage insurance in Cicero.
You can save money and find the best deal on car insurance today by bundling your policies, raising your deductible, and shopping around for auto insurance quotes.
Cheapest car insurance companies in Cicero
The best auto insurance company for you will depend on your individual situation and needs. But it can be helpful to learn about the cheapest insurers in your area. The following table outlines the cheapest insurance companies in Cicero and the type of driver each company is best for.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $56 | $30 | Specialty vehicles |
| State Farm | 9.3 | $60 | $32 | Good drivers |
| Hugo | 7.0 | N/A | $144 | Low-mileage 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for specialty vehicles: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| 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. | $33/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 |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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).
A++Why we picked this company
Auto-Owners is the best insurance agency for car owners who need to insure a classic or antique car. You can earn a discount if you insure your classic vehicle with another car for daily use.
The company offers multiple ways to save on car insurance — for example, you could earn a discount if you’ve already qualified for life insurance through Auto-Owners. You could also save by paying your premiums on time, requesting a premium quote, and if you have a student attending school more than 100 miles from home without a vehicle.
Pros
Classic car insurance and motorcycle insurance available
Offers numerous auto insurance discounts
Cons
Can’t get a quote online
Below-average J.D. Power auto claims satisfaction rating
Best insurer for good drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $67/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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).
A++Why we picked this company
Good drivers can save up to 30% on auto insurance by signing up for State Farm’s Drive Safe & Save program. You’ll download the company’s app, and it’ll use your driving information to determine how much of a discount you receive.
State Farm offers numerous coverage options, including roadside assistance, rideshare insurance, rental insurance, and underinsured motorist coverage. The company consistently earns high customer satisfaction ratings from customers and received an above-average J.D. Power rating for auto claims satisfaction.
Pros
High J.D. Power customer satisfaction ratings
Rideshare insurance available
Cons
Gap insurance not available
Can’t purchase a policy online
Best insurer for low-mileage drivers: Hugo
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| 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. | $144/mo |
4.1
Best choiceBased on 121 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (45)
Javier
November 12, 2024
Verified Purchase
Hugo Insurance is the Best
Hugo was wonderful. We paid for car insurance at a good, low price. It was exactly what we needed to look into. Due to our income, paying for two vehicles for less than $100 is an awesome price. Thank you, Hugo. I recommend others to try it out.
Gabrielle
November 2, 2024
Verified Review
Good
The price is amazing.
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
Hugo is a new insurance company that launched in January 2021. If you’re looking for non-traditional insurance coverage, Hugo may be a good choice.
The company offers flexible coverage to customers who don’t drive daily and only need liability insurance. You can get started with no money down, flexible micropayments, and pay-as-you go options. However, Hugo probably won’t be the best choice for someone who needs a full-coverage policy or drives every day.
Pros
Flexible, on-demand insurance
Pay only for the insurance you need
Cons
No customizable coverage
SR-22 insurance not available
How to get the cheapest car insurance in Cicero
Auto insurance rates have increased by 17% nationwide between the end of 2021 and June 2023, according to Insurify data. However, you can still find cheap car insurance by using the following strategies:
Choose a higher deductible. Your deductible is an out-of-pocket expense you pay before your insurance coverage kicks in. Increasing your deductible from $500 to $1,000 will lower your insurance premiums substantially. Just make sure you have the money to cover your deductible if you need to file a claim.
Bundle your policies. Most insurance companies will give you a discount for bundling multiple policies. For example, you could save by bundling your auto insurance with your homeowners insurance or renters insurance.
Maintain a good credit score. Research shows that drivers with good credit file fewer insurance claims. So maintaining a good credit score is another way you can lower your insurance costs. Make sure you pay your bills on time and keep your credit utilization ratio below 30%.
Shop around. Every insurer looks at slightly different criteria when evaluating you for coverage. The best policy for one driver may not be a good option for someone else. That’s why it’s important to shop around and compare auto insurance quotes from at least three different companies.
Find Cheap Car Insurance in Cicero, Illinois
Rates start as low as $33 per month for a liability policy
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Cicero: Auto-Owners
Liability-only car insurance pays for damages to the other driver’s vehicle and any medical expenses they incur in an accident you cause. However, you’ll have to pay for your own medical bills and to fix your vehicle.
Liability insurance is the minimum amount of coverage you need to drive legally in Illinois. In Cicero, it costs an average of $85 per month. But, Auto-Owners offers the cheapest liability coverage in Cicero for $33 per month.
Here are the cheapest liability-only policies for Cicero drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $33 |
| State Farm | $35 |
| GEICO | $47 |
| COUNTRY Financial | $49 |
| Progressive | $49 |
| Mile Auto | $50 |
| Erie | $54 |
| USAA | $58 |
| American Family | $62 |
| Mercury | $68 |
| Direct Auto | $72 |
| Nationwide | $73 |
| Clearcover | $78 |
| Travelers | $79 |
| Farmers | $84 |
| National General | $86 |
| Allstate | $89 |
| Safeco | $91 |
| GAINSCO | $103 |
| Elephant | $106 |
| Dairyland | $107 |
| The General | $107 |
| Bristol West | $109 |
| State Auto | $110 |
| Liberty Mutual | $152 |
| Foremost | $154 |
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 Cicero: Auto-Owners
Full-coverage insurance includes liability, comprehensive, and collision coverage. Unlike liability insurance, full coverage pays for damages to your vehicle, even if you’re at fault for the accident. A full-coverage policy will also pay to repair or replace in the event of theft, falling objects, vandalism, and more.
In Cicero, the average cost of a full-coverage policy is $195 a month. Drivers can find the cheapest full-coverage insurance from Auto-Owners with rates starting at $61 per month for coverage.
Here are the cheapest options for full-coverage insurance in Cicero.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $61 |
| State Farm | $67 |
| Mile Auto | $79 |
| GEICO | $89 |
| COUNTRY Financial | $93 |
| Erie | $102 |
| USAA | $108 |
| American Family | $116 |
| Clearcover | $123 |
| Mercury | $128 |
| Progressive | $131 |
| Nationwide | $137 |
| Safeco | $145 |
| Travelers | $148 |
| Direct Auto | $158 |
| Farmers | $158 |
| Allstate | $165 |
| National General | $186 |
| Elephant | $189 |
| State Auto | $208 |
| GAINSCO | $260 |
| Dairyland | $267 |
| The General | $270 |
| Bristol West | $273 |
| Liberty Mutual | $283 |
| Foremost | $363 |
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 recent rates near Cicero, Illinois
Drivers in and around Cicero, Illinois have found policies from Farmers, The General, Certainly, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Cicero, Illinois within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Cicero, Illinois within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Illinois
The state of Illinois law requires that all drivers carry the following minimum insurance:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
Minimum insurance coverage won’t be enough for most people, so here are some other coverages to consider adding to your policy:
Comprehensive coverage
Comprehensive coverage pays for repairs or replacement in non-collision incidents, like falling objects, theft, vandalism, weather damage, and more.
Collision coverage
Collision coverage pays for damages if you’re involved in an accident with another car or object. It also pays for pothole damages and rollover accidents.
Personal injury protection (PIP) coverage
Personal injury protection (PIP) will pay for your and your passengers’ medical payments and lost wages from an auto accident.
Cheapest car insurance for drivers with an incident
If you have a history of driving-related incidents, you can expect to pay more for auto insurance. A driving incident includes at-fault accidents, driving under the influence (DUI), speeding tickets, and other moving violations.
However, some insurance companies work with high-risk drivers. So it’s possible to find affordable auto insurance rates, even if you have a history of driving incidents.
Shop for Car Insurance in Cicero, IL
Monthly rates start at $42 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Speeding was a factor in 29% of traffic fatalities in 2021.[2] Even if you don’t cause an accident, a speeding ticket signals to insurers that you’re a risky driver and more likely to file a claim, so they increase your rates to offset the risk.
In Cicero, drivers with speeding tickets pay an average of $196 a month for car insurance. Auto-Owners offers the cheapest liability rates for $43 per month.
If you’ve received a speeding ticket, here are the cheapest auto insurers in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $80 | $43 |
| State Farm | $86 | $45 |
| Mile Auto | $103 | $65 |
| GEICO | $115 | $61 |
| COUNTRY Financial | $124 | $66 |
| Erie | $136 | $72 |
| USAA | $140 | $75 |
| American Family | $151 | $80 |
| Clearcover | $160 | $102 |
| Progressive | $169 | $63 |
| Mercury | $178 | $94 |
| Nationwide | $179 | $96 |
| Safeco | $191 | $120 |
| Travelers | $194 | $103 |
| Farmers | $204 | $108 |
| Direct Auto | $205 | $93 |
| Allstate | $214 | $115 |
| National General | $242 | $112 |
| Elephant | $264 | $148 |
| State Auto | $290 | $154 |
| Dairyland | $346 | $139 |
| Bristol West | $356 | $142 |
| The General | $357 | $141 |
| GAINSCO | $363 | $144 |
| Liberty Mutual | $395 | $212 |
| Foremost | $506 | $215 |
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
When you file a claim with your insurance company for an at-fault accident, your insurance premiums will increase by a certain percentage. However, the exact percentage will vary depending on your insurer and the severity of the accident.[3]
After an at-fault accident, the average car insurance rate in Cicero is $215 per month. But, drivers with an at-fault accident can still find cheap rates from Auto-Owners for $47 per month.
Here are the best car insurance options for drivers with an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $86 | $47 |
| State Farm | $93 | $49 |
| Mile Auto | $113 | $72 |
| GEICO | $125 | $66 |
| COUNTRY Financial | $136 | $72 |
| Erie | $146 | $77 |
| USAA | $152 | $81 |
| American Family | $163 | $87 |
| Clearcover | $185 | $117 |
| Progressive | $185 | $69 |
| Mercury | $192 | $102 |
| Nationwide | $194 | $103 |
| Safeco | $202 | $127 |
| Travelers | $209 | $112 |
| Farmers | $221 | $117 |
| Direct Auto | $226 | $103 |
| Allstate | $231 | $125 |
| Elephant | $260 | $146 |
| National General | $261 | $120 |
| State Auto | $316 | $167 |
| GAINSCO | $350 | $139 |
| Dairyland | $371 | $149 |
| Bristol West | $382 | $153 |
| The General | $385 | $153 |
| Liberty Mutual | $422 | $227 |
| Foremost | $541 | $230 |
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 impairs your vision and judgment, and it’s illegal in Illinois. In 2021, 25% of crash fatalities involved alcohol.[4] The exact penalties for a DUI will depend on your age, your blood alcohol concentration (BAC) level, and other circumstances surrounding your arrest.
If you receive a DUI, your insurer may decide not to renew your policy. But if it does renew your policy, you can expect your premiums to become more expensive. The average car insurance cost after a DUI in Cicero is $243 a month, but Auto-Owners offers the cheapest rate of $33 per month for drivers with a DUI.
Here are the cheapest insurers in the city for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $103 | $56 |
| State Farm | $113 | $59 |
| Mile Auto | $134 | $85 |
| GEICO | $150 | $79 |
| COUNTRY Financial | $157 | $83 |
| Erie | $172 | $91 |
| USAA | $183 | $98 |
| American Family | $196 | $105 |
| Mercury | $200 | $106 |
| Clearcover | $208 | $132 |
| Progressive | $221 | $83 |
| Safeco | $228 | $143 |
| Nationwide | $232 | $123 |
| Travelers | $250 | $134 |
| Direct Auto | $267 | $122 |
| Farmers | $267 | $142 |
| Allstate | $279 | $150 |
| National General | $314 | $145 |
| Elephant | $320 | $179 |
| State Auto | $352 | $186 |
| GAINSCO | $440 | $174 |
| Dairyland | $451 | $181 |
| The General | $456 | $181 |
| Bristol West | $462 | $184 |
| Liberty Mutual | $478 | $257 |
| Foremost | $614 | $260 |
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 seniors: Auto-Owners
Car insurance rates decrease around age 25 but start to increase again around age 70. Age-related issues, like changes to eyesight and hearing, affect seniors’ driving capabilities, and they have higher crash mortality rates than younger drivers. But seniors still have relatively affordable rates, especially compared to teens.
Senior drivers in Cicero pay an average of $104 a month for car insurance, but here are the cheapest insurers to start your search.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $25 | $46 |
| State Farm | $26 | $49 |
| Progressive | $33 | $89 |
| GEICO | $35 | $67 |
| Mile Auto | $36 | $56 |
| COUNTRY Financial | $37 | $71 |
| Erie | $39 | $74 |
| USAA | $44 | $82 |
| American Family | $46 | $86 |
| Mercury | $51 | $96 |
| Nationwide | $51 | $97 |
| Direct Auto | $53 | $116 |
| Travelers | $58 | $110 |
| Farmers | $62 | $117 |
| National General | $62 | $134 |
| Clearcover | $64 | $101 |
| Allstate | $68 | $125 |
| Safeco | $74 | $118 |
| State Auto | $78 | $147 |
| Dairyland | $81 | $202 |
| Elephant | $82 | $146 |
| GAINSCO | $82 | $207 |
| The General | $82 | $207 |
| Bristol West | $83 | $207 |
| Foremost | $117 | $275 |
| Liberty Mutual | $121 | $225 |
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
Teenage drivers pay more for car insurance because they have less experience behind the wheel. They’re also at higher risk of being involved in a fatal car accident. But teens can reduce their insurance costs in a few ways.
Many insurers offer discounts to young drivers who enroll in an approved defensive driving course and maintain good grades. On average, teens in Cicero pay $260 a month for car insurance. Here are the cheapest insurance companies for teens and younger drivers in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $58 | $107 |
| State Farm | $63 | $121 |
| COUNTRY Financial | $74 | $141 |
| GEICO | $79 | $149 |
| Progressive | $90 | $240 |
| Erie | $95 | $179 |
| Mile Auto | $101 | $159 |
| USAA | $102 | $190 |
| American Family | $112 | $210 |
| Mercury | $126 | $237 |
| Nationwide | $133 | $250 |
| Direct Auto | $137 | $302 |
| Travelers | $149 | $280 |
| Clearcover | $150 | $236 |
| Farmers | $154 | $289 |
| Allstate | $166 | $307 |
| National General | $176 | $381 |
| The General | $178 | $450 |
| Elephant | $180 | $322 |
| Dairyland | $181 | $452 |
| Safeco | $183 | $291 |
| GAINSCO | $186 | $470 |
| Bristol West | $192 | $482 |
| State Auto | $204 | $386 |
| Liberty Mutual | $273 | $509 |
| Foremost | $286 | $674 |
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.
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Cicero car insurance quotes by credit tier
Illinois is one of many states that allows auto insurance companies to consider your credit history.[5] Drivers with bad credit have been shown to file more insurance claims than drivers with excellent or good credit scores. Here’s what you can expect to pay for insurance based on your credit tier.
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 Cicero?
Car insurance in Cicero costs an average of $140 a month, which is similar to the state average of $128.
Insurance rates can vary quite a bit depending on your ZIP code. If you live in a more populous city with higher crime rates, you can expect to pay more for car insurance than someone living in a rural area. Despite Cicero’s safety rating and low crime rates, its proximity to Chicago — which has notoriously expensive car insurance rates — can contribute to the city having near-average costs.
More cities in Illinois
If you live in Cicero, you can expect to pay more for car insurance than most other Illinois cities. Chicago is the only city with a higher average cost for auto insurance than Cicero. Here’s how Cicero compares to other Illinois cities.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Berwyn | $85 | $187 |
| Chicago | $96 | $227 |
| Decatur | $70 | $141 |
| Elgin | $83 | $160 |
| Joliet | $80 | $179 |
| Naperville | $76 | $153 |
| Peoria | $78 | $167 |
| Rockford | $72 | $158 |
| Springfield | $80 | $179 |
| Waukegan | $78 | $152 |
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.
Cicero car insurance FAQs
Here are the answers to common questions about car insurance in Cicero, Illinois. You can also check out Insurify’s guide on how to shop for quotes.
How much is car insurance in Cicero, Illinois?
The average cost of car insurance in Cicero is $85 a month for liability only and $195 a month for full coverage.
Which company has the cheapest car insurance in Cicero?
The cheapest auto insurer in Cicero is Auto-Owners, with an average cost of as $33 a month. However, the best way to find cheap car insurance is to compare quotes with multiple companies at the same coverage level. Get quotes from at least three insurers to start your search for affordable insurance that meets your needs.
What are the best car insurance companies in Cicero?
Some of the best car insurance companies in Cicero that Insurify identified include State Farm, Auto-Owners, and Hugo. These insurers have solid J.D. Power ratings and good Insurify Quality (IQ) Scores.
What is the Illinois minimum car insurance?
Illinois requires 25/50/20 minimum liability coverage. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $20,000 per accident for property damage liability. All liability policies in Illinois must also include uninsured motorist coverage for bodily injury at the same limits.[1]
What is the most important type of car insurance you should buy in Illinois?
Liability insurance is the most important car insurance coverage you should buy in Illinois. Not only does the state require this type of coverage, but it protects you financially from injuries and damages you cause to others in an at-fault accident.
The next two important coverages are comprehensive and collision, which pay for your vehicle repairs in various situations, including at-fault accidents.
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
- 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.
Related articles
More cities in Illinois
Sources
- Illinois Secretary of State. "Mandatory Vehicle Insurance."
- NHTSA. "Speeding and Aggressive Driving Prevention."
- III. "Do auto insurance premiums go up after a claim?."
- Illinois Secretary of State. "Illinois 2023 DUI Factbook."
- Illinois Department of Insurance. "Credit: How Insurers Use It."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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