Cheapest Auto Insurance in Chicago, Illinois (2024)
Auto-Owners has the cheapest liability coverage in Chicago, at $35 per month.
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Written byAlani Asis
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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.
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Edited bySara Getman
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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.
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Reviewed byMark Friedlander
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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.
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Data reviewed byKonstantin Halachev
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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 October 30, 2024
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Table of contents
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 $160 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 $93 per month for liability insurance and $226 per month for full coverage.
The cheapest car insurance companies in Chicago are Auto-Owners, State Farm, and Hugo.
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 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 ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $56 | $31 | Teen drivers |
| Auto-Owners | 8.5 | $52 | $29 | Drivers with incidents |
| Hugo | 7.0 | N/A | $141 | Infrequent 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 teen drivers: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| 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. | $38/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. | $59/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 more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
…
Best insurer for drivers with incidents: Auto-Owners
Auto-OwnersCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| 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. | $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. | $55/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 more driver reviews of Auto-Owners
Ronald W - October 29, 2024
Verified
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha - October 28, 2024
Verified
Good
The premiums keep increasing.
Lawrence - October 24, 2024
Verified
Honest Answers to Questions
Please refer to my answers to the previous questions.
…
Best insurer for infrequent drivers: Hugo
HugoCompare personalized, real-time quotes
| 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. | 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. | $47/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. | $110/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 more driver reviews of Hugo
Dawn - October 21, 2024
Verified
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
Kimberly - September 21, 2024
Verified
Hugo Whoa!
It's steep, but convenient.
Sheila - September 10, 2024
Verified
Great in a Pinch
It's good when you need it on the spot and don't have a lot of money because you pay daily. However, it's very expensive in the long run.
…
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
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Based on 3,806+ reviews
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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 $93 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $35 |
| State Farm | $38 |
| Hugo | $47 |
| GEICO | $51 |
| COUNTRY Financial | $53 |
| Mile Auto | $56 |
| Erie | $58 |
| USAA | $62 |
| American Family | $67 |
| Mercury | $73 |
| Nationwide | $79 |
| Direct Auto | $80 |
| Travelers | $85 |
| Clearcover | $86 |
| Farmers | $90 |
| Safeco | $92 |
| National General | $93 |
| Allstate | $95 |
| Dairyland | $104 |
| Elephant | $110 |
| GAINSCO | $112 |
| Midvale Home & Auto | $114 |
| The General | $116 |
| State Auto | $119 |
| Bristol West | $127 |
| Liberty Mutual | $136 |
| Foremost | $172 |
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 $226 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $55 |
| State Farm | $59 |
| GEICO | $79 |
| COUNTRY Financial | $82 |
| Mile Auto | $82 |
| Erie | $90 |
| USAA | $96 |
| American Family | $103 |
| Hugo | $110 |
| Mercury | $113 |
| Safeco | $127 |
| Nationwide | $130 |
| Travelers | $131 |
| Clearcover | $136 |
| Farmers | $141 |
| Midvale Home & Auto | $143 |
| Allstate | $147 |
| Direct Auto | $173 |
| State Auto | $192 |
| National General | $195 |
| Elephant | $202 |
| Liberty Mutual | $239 |
| GAINSCO | $267 |
| Dairyland | $286 |
| Bristol West | $313 |
| The General | $315 |
| Foremost | $393 |
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 Chicago, Illinois
Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $43/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 October 30, 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 October 30, 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 October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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.
Coverage ▲▼ | Minimum 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:
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.
Comprehensive coverage
Comprehensive insurance compensates you for vehicle repairs and replacement if a non-collision event, like theft or severe weather, damages your vehicle.
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.
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.
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.
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 $132 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $35 | $46 |
| State Farm | $38 | $49 |
| Hugo | $47 | $61 |
| GEICO | $51 | $66 |
| COUNTRY Financial | $53 | $71 |
| Mile Auto | $56 | $75 |
| Erie | $58 | $77 |
| USAA | $62 | $81 |
| American Family | $67 | $87 |
| Mercury | $73 | $102 |
| Nationwide | $79 | $104 |
| Direct Auto | $80 | $104 |
| Travelers | $85 | $112 |
| Clearcover | $86 | $114 |
| Farmers | $90 | $116 |
| Safeco | $92 | $121 |
| National General | $93 | $122 |
| Allstate | $95 | $124 |
| Dairyland | $104 | $136 |
| Elephant | $110 | $155 |
| GAINSCO | $112 | $158 |
| The General | $116 | $153 |
| State Auto | $119 | $168 |
| Bristol West | $127 | $165 |
| Liberty Mutual | $136 | $191 |
| Foremost | $172 | $242 |
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 $143 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $35 | $59 |
| State Farm | $38 | $64 |
| Hugo | $47 | $80 |
| GEICO | $51 | $86 |
| COUNTRY Financial | $53 | $90 |
| Mile Auto | $56 | $95 |
| Erie | $58 | $98 |
| USAA | $62 | $105 |
| American Family | $67 | $113 |
| Mercury | $73 | $113 |
| Nationwide | $79 | $134 |
| Direct Auto | $80 | $135 |
| Travelers | $85 | $144 |
| Clearcover | $86 | $146 |
| Farmers | $90 | $152 |
| Safeco | $92 | $156 |
| National General | $93 | $157 |
| Allstate | $95 | $161 |
| Dairyland | $104 | $176 |
| Elephant | $110 | $186 |
| GAINSCO | $112 | $190 |
| The General | $116 | $196 |
| State Auto | $119 | $201 |
| Bristol West | $127 | $215 |
| Liberty Mutual | $136 | $230 |
| Foremost | $172 | $291 |
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 $161 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $35 | $59 |
| State Farm | $38 | $64 |
| Hugo | $47 | $80 |
| GEICO | $51 | $86 |
| COUNTRY Financial | $53 | $90 |
| Mile Auto | $56 | $95 |
| Erie | $58 | $98 |
| USAA | $62 | $105 |
| American Family | $67 | $113 |
| Mercury | $73 | $113 |
| Nationwide | $79 | $134 |
| Direct Auto | $80 | $135 |
| Travelers | $85 | $144 |
| Clearcover | $86 | $146 |
| Farmers | $90 | $152 |
| Safeco | $92 | $156 |
| National General | $93 | $157 |
| Allstate | $95 | $161 |
| Dairyland | $104 | $176 |
| Elephant | $110 | $186 |
| GAINSCO | $112 | $190 |
| The General | $116 | $196 |
| State Auto | $119 | $201 |
| Bristol West | $127 | $215 |
| Liberty Mutual | $136 | $230 |
| Foremost | $172 | $291 |
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
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 $68 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $41 | $26 |
| State Farm | $43 | $28 |
| Mile Auto | $58 | $40 |
| GEICO | $59 | $38 |
| COUNTRY Financial | $62 | $40 |
| Erie | $64 | $41 |
| USAA | $72 | $47 |
| American Family | $76 | $49 |
| Hugo | $82 | $35 |
| Mercury | $82 | $53 |
| Nationwide | $91 | $55 |
| Travelers | $96 | $63 |
| Safeco | $101 | $73 |
| Farmers | $103 | $66 |
| Clearcover | $106 | $67 |
| Allstate | $111 | $72 |
| Direct Auto | $127 | $59 |
| State Auto | $137 | $85 |
| National General | $140 | $67 |
| Elephant | $154 | $84 |
| Liberty Mutual | $188 | $107 |
| GAINSCO | $211 | $89 |
| Dairyland | $214 | $78 |
| Bristol West | $236 | $96 |
| The General | $242 | $89 |
| Foremost | $293 | $128 |
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 $169 per month, and full coverage costs $410 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $95 | $61 |
| State Farm | $103 | $66 |
| COUNTRY Financial | $122 | $79 |
| GEICO | $128 | $83 |
| Erie | $154 | $100 |
| Mile Auto | $162 | $110 |
| USAA | $163 | $106 |
| American Family | $182 | $119 |
| Hugo | $184 | $78 |
| Mercury | $207 | $134 |
| Nationwide | $229 | $139 |
| Travelers | $241 | $156 |
| Farmers | $252 | $161 |
| Safeco | $258 | $187 |
| Allstate | $265 | $171 |
| Clearcover | $266 | $168 |
| Direct Auto | $321 | $148 |
| Elephant | $337 | $183 |
| State Auto | $348 | $216 |
| National General | $391 | $186 |
| Liberty Mutual | $431 | $245 |
| GAINSCO | $475 | $199 |
| Dairyland | $479 | $174 |
| The General | $513 | $189 |
| Bristol West | $540 | $219 |
| Foremost | $712 | $312 |
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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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 $160 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.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Aurora | $78 | $176 |
| Decatur | $71 | $147 |
| Joliet | $78 | $170 |
| Peoria | $78 | $178 |
| Rockford | $73 | $163 |
| Springfield | $79 | $183 |
| Waukegan | $76 | $155 |
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 $226 per month for full-coverage insurance and $93 per month for liability-only coverage, on average.
Which company has the cheapest car insurance in Chicago?
Auto-Owners, State Farm, and Hugo offer the cheapest liability coverage in Chicago, at $35, $38, and $47 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 8.5, 9.3, and 7.0, 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 $29 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
- 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
- CUBIT. "Illinois Demographics."
- Illinois Policy. "Chicago Hits Record High Car Thefts, Record Low Arrests in 2023."
- Census.gov. "U.S. Census Bureau QuickFacts."
- Jdpower.com. "2023 U.S. Auto Claims Satisfaction Study."
- Chicago Health Atlas. "Traffic Crashes."
- Illinois.gov. "Auto Insurance Shopping Guide."
- Illinois Policy. "Carjacking in IL."
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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 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.
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.
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.
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