120+ more*Quotes generated for Insurify users in and around Cicero, Illinois within the last 10 days. Last updated on September 28, 2026. 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 September 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Drivers in Cicero, Illinois, pay an average of $98 per month for state-minimum coverage and $209 per month for full-coverage car insurance. These rates are higher than the average cost of car insurance in Illinois, of $83 per month for liability coverage and $162 for full coverage. Rates in Cicero are higher than in nearby Berwyn but lower than in Chicago.
With a population of nearly 82,000, Cicero has a high population density of more than 14,500 residents per square mile, which is even higher than Chicago’s 12,000 people per square mile.[1] Having more drivers on the road in an area can increase the odds of crashes and other claims, resulting in higher rates.
But you can still find affordable rates in Cicero if you take the time to compare car insurance quotes.
Auto-Owners has the cheapest liability-only car insurance in Cicero, at an average of $51 per month, well below Cicero’s liability average of $98. That said, average auto insurance rates in Cicero are higher than the average rates in Illinois.
Every driver must meet the Illinois state minimum car insurance requirements of at least $25,000 per person and $50,000 per accident in bodily injury liability and $20,000 in property damage liability coverage. Drivers also need to maintain the state’s same bodily injury liability limits in uninsured motorist coverage.[2]
Below, you can see the cheapest liability rates for Cicero drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $51 |
| State Farm | $56 |
| Certainly | $70 |
| Progressive | $74 |
| Country Financial | $78 |
| Direct Auto | $79 |
| The General | $80 |
| GEICO | $81 |
| Erie | $85 |
| First Chicago | $85 |
| USAA | $90 |
| GAINSCO | $95 |
| Safeco | $95 |
| American Family | $97 |
| Mercury | $97 |
| Bristol West | $99 |
| National General | $101 |
| Freedom National | $111 |
| Elephant | $115 |
| Clearcover | $117 |
| Dairyland | $118 |
| First Acceptance | $120 |
| Insurify Car | $120 |
| Travelers | $123 |
| Farmers | $132 |
| Root | $134 |
| Liberty Mutual | $136 |
| Allstate | $139 |
| Mendota | $139 |
| Hugo | $143 |
| State Auto | $174 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Auto-Owners has the cheapest full-coverage car insurance in Cicero, with an average monthly rate of $94, well below the city’s average of $209. Full coverage adds collision and comprehensive coverage on top of liability coverage, providing vehicle protection from collisions, theft, vandalism, weather damage, and more.
Cook County, which includes Cicero and Chicago, ranks No. 3 in the country for motor vehicle theft rates, according to Insurify data. Cicero drivers face a high risk of vehicle theft and can benefit from the extra protection a full-coverage policy provides.
The following table shows the cheapest full-coverage car insurance rates in Cicero.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $94 |
| State Farm | $102 |
| Country Financial | $141 |
| Progressive | $141 |
| Safeco | $148 |
| Erie | $155 |
| GEICO | $155 |
| Direct Auto | $160 |
| USAA | $165 |
| Mercury | $167 |
| American Family | $178 |
| Elephant | $197 |
| National General | $199 |
| Certainly | $202 |
| The General | $209 |
| Root | $210 |
| First Chicago | $211 |
| Liberty Mutual | $219 |
| Bristol West | $228 |
| Clearcover | $228 |
| Travelers | $228 |
| Farmers | $242 |
| Freedom National | $242 |
| Allstate | $253 |
| GAINSCO | $253 |
| Mendota | $274 |
| First Acceptance | $291 |
| State Auto | $318 |
| Dairyland | $327 |
Cicero’s average monthly car insurance rate of $154 is one of the highest in Illinois, falling near Chicago’s average rate of $164.
Cicero and Chicago are both part of Cook County, which had more than 20,000 auto thefts in 2025, the most of any county in the state. This is one of the key reasons the city’s car insurance rates are more expensive than those of most other cities in the state.
Below, you can compare average car insurance rates in other Illinois cities.
City | Average Monthly Quote |
|---|---|
| Bloomington | $99 |
| Moline | $104 |
| Decatur | $105 |
| Champaign | $108 |
| Naperville | $110 |
| Wheeling | $112 |
| Rockford | $114 |
| Peoria | $116 |
| Schaumburg | $116 |
| Crest Hill | $117 |
| Elgin | $117 |
| Aurora | $118 |
| Waukegan | $119 |
| Springfield | $120 |
| Des Plaines | $122 |
| Evanston | $123 |
| Joliet | $123 |
| Berwyn | $130 |
| Skokie | $134 |
| Belleville | $136 |
| Chicago Heights | $153 |
| Chicago | $164 |
Car insurance is expensive in Cicero for a few reasons. The city has a high population density, which means more car owners and a higher risk of car accidents. The city’s population per square mile exceeds the population density in Chicago and statewide in Illinois.
Cicero’s also in Cook County, which led the state in vehicle thefts in 2025. In fact, Cook County saw the third-most vehicle thefts of any county in the country in 2025. Furthermore, in recent years, Cicero has experienced urban flooding that has affected streets and basements.
Insurers consider all these location-based risk factors when determining premiums for Cicero drivers.
*Quotes generated for Insurify users in and around Cicero, Illinois within the last 10 days. Last updated on September 28, 2026. 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 September 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
A speeding ticket, at-fault accident, or DUI can raise your car insurance rates in Cicero, while drivers with clean records pay the lowest rates.
Below, you can see the cheapest car insurance companies by driving record in Cicero:
Cheapest car insurance for Cicero drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Cicero: Auto-Owners
Cheapest car insurance for Cicero drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Cicero: Auto-Owners
Illinois is an at-fault state that uses a modified comparative negligence system, meaning that the at-fault driver typically has to cover the cost of accident-related damages and injuries.[3] This is one reason a car accident typically raises rates more than a speeding ticket would. A DUI, on the other hand, will result in a drastic increase in car insurance rates and other penalties.
In Cicero, 3% of drivers have a speeding ticket, 3% have an accident, and 0.4% have a DUI on their driving record, according to Insurify data. While you’ll likely pay more than drivers with clean records, you can still find affordable car insurance in Cicero.
Check out the table below to see how your driving record affects average rates in Cicero.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $154 |
| Speeding ticket | $200 |
| At-fault accident | $212 |
| DUI | $228 |
Cicero residents face a few risks to their vehicles. It’s important to keep the following risks and tips in mind as a driver in the city:
Dense population: Cicero is one of the most densely populated cities in Illinois, which affects driving conditions. A denser population can lead to traffic congestion and more vehicles on the road. Drivers in the city have an average daily commute of 29 minutes, according to U.S. census data.
Street parking: In Cicero, street parking is very common, in part because the city has a lot of pre-World War II housing without dedicated driveways or garages. This leaves vehicles exposed to additional risk.
Winter weather: Illinois experiences serious winter weather each year, with snow and ice making driving much more dangerous. Drivers should take care to use snow tires and drive slowly during winter weather. Budget time for slower traffic as well, as the city’s narrow roads become harder to navigate due to slowed snow removal.
You may want to consider a full-coverage policy to protect your vehicle in the event of collision and non-collision damage.
Cicero is just west of Interstate 290, or the Eisenhower Expressway, which is one of the country’s busiest highways. Traffic volumes on I-290 exceed the design capacity, according to the Illinois Department of Transportation. Cicero Avenue, which runs right through the city, feeds directly into I-290, which can add to traffic congestion.[4]
Many drivers in Cicero and other Chicagoland cities commute into Chicago, so traffic can back up. The average commute time for Cicero residents is about 29 minutes, so be sure to leave enough time to account for any accidents or detours.
Teen drivers pay among the most expensive car insurance rates of any age group, and that holds true in Cicero. Teenagers in the city pay an average of $194 per month for liability coverage. Cicero is a dense city with narrow streets, making it even more difficult to learn to drive and potentially increasing rates.
The table below shows the cheapest rates for teenage drivers in Cicero.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $106 |
| State Farm | $112 |
| Country Financial | $128 |
| Certainly | $139 |
| Progressive | $147 |
| The General | $150 |
| GEICO | $152 |
| Direct Auto | $159 |
| Erie | $161 |
| First Chicago | $168 |
| USAA | $171 |
| GAINSCO | $173 |
| Bristol West | $182 |
| Mercury | $183 |
| American Family | $189 |
| Clearcover | $199 |
| Safeco | $201 |
| National General | $207 |
| Dairyland | $212 |
| Root | $212 |
| Elephant | $218 |
| Freedom National | $220 |
| First Acceptance | $238 |
| Insurify Car | $238 |
| Liberty Mutual | $248 |
| Travelers | $263 |
| Farmers | $272 |
| Allstate | $275 |
| Mendota | $275 |
| Hugo | $283 |
| State Auto | $424 |
Average liability quotes start at $51/mo.
About 11% of Cicero residents are 65 or older, according to U.S. census data. Due to decades of driving experience, senior drivers in Cicero pay some of the most affordable rates, with an average monthly liability rate of only $81.
The table below shows the cheapest car insurance rates for senior drivers in Cicero.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $39 |
| State Farm | $43 |
| Certainly | $58 |
| Country Financial | $60 |
| Progressive | $61 |
| GEICO | $63 |
| Direct Auto | $63 |
| Erie | $64 |
| The General | $66 |
| First Chicago | $70 |
| USAA | $71 |
| Mercury | $74 |
| American Family | $76 |
| National General | $77 |
| GAINSCO | $80 |
| Bristol West | $81 |
| Safeco | $81 |
| Elephant | $90 |
| Freedom National | $92 |
| Travelers | $96 |
| Dairyland | $98 |
| First Acceptance | $99 |
| Insurify Car | $99 |
| Clearcover | $101 |
| Farmers | $102 |
| Liberty Mutual | $110 |
| Allstate | $115 |
| Mendota | $115 |
| Hugo | $118 |
| Root | $121 |
| State Auto | $128 |
Check out these answers to some of the most commonly asked questions about Cicero auto insurance.
The average cost of car insurance in Cicero is $154 per month. Cicero drivers pay an average of $98 per month for liability coverage and $209 for full coverage.
Auto-Owners has the cheapest car insurance in Cicero, with an average monthly liability rate of $51. State Farm and Certainly are the second- and third-cheapest car insurance companies in Cicero, on average.
Comparing car insurance quotes is one of the best ways to find affordable car insurance rates in Cicero, since rates vary from insurer to insurer for drivers with the same profile. Get a quote from at least three insurers. Having a bad credit history and a poor driving record can negatively affect your rates. You should ask your insurer which car insurance discounts you qualify for. Many offer discounts for bundling home insurance or renters insurance with auto insurance.
Most major insurers in Illinois will file an SR-22 form on your behalf. Ask your insurer or potential insurer directly whether it has the ability to file an SR-22 for you.
GEICO and Progressive have similar average rates in Illinois. On average, GEICO policyholders in Illinois pay $66 per month for liability insurance and $125 for full coverage. Progressive policyholders pay $63 per month for liability coverage and $115 for full coverage in Illinois.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
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.
