Car insurance in Chicago, Illinois [Rates + Comparison Guide]

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Chicago StatsDetails
City Population2,716,450
City Density11,960 people per square mile
Average Cost of Car Insurance$3,813.21
Cheapest Car Insurance ProviderLiberty Mutual
Road ConditionsPoor Share: 28%
Mediocre Share: 35%
Fair Share: 14%
VOC: $627

With so much to see and do, Chicago really is a city on the move.

Visitors and tourists alike can spend the day taking in the sights and sounds of Navy Pier or browsing the halls of the Field Museum made famous by the Indiana Jones movie franchise.

The Windy City hosted nearly 58 million visitors in 2018 alone according to the Chicago Tribune. When added to the nearly 2.8 million residents that call Chi-town home it is no wonder that traffic can sometimes be a nightmare.

Should your traffic woes turn into a car accident it will be a comfort to know that you have a car insurance company who will have your back. Choosing the right car insurance company that will give you the best price means doing a little research and shopping around. That’s where we come in.

We have collected all of the data you need to find the perfect car insurance provider to suit all of your needs. Enter your zip code above to get started and then keep reading to find out more about all of the ways that we want to help you and your family save money.

Table of Contents

Cost of Insurance in Chicago

According to the Illinois Department of Transportation:

In 2017, there were 311,679 crashes involving motor vehicles in Illinois. Injury crashes accounted for 21.5 percent of these crashes (66,889), while fatal crashes (998) accounted for less than 1 percent of these crashes.

If you are ever involved in a car accident you will want to know that your damages and injuries will be covered by your insurance company.

Part of choosing a car insurance provider that is a perfect fit for you as a driver in the Windy City means understanding how each factor these providers will impact your rate.

Some of these factors include your gender, age, commute rate, and even your zip code. Keep scrolling to find out how each one affects the price that you will pay.

– Male vs. Female vs. Age

With age comes experience. This is especially true for life behind the wheel. As we age though sometimes things like our reaction time or eyesight start to fail us. These are things that no one like to think about even though car insurance providers certainly are.

Car insurance providers are not just looking at your age either as they set your rates. They are also considering your age.

A study 2017 conducted by Consumer Federation of America (CFA) revealed that:

Female motorists with perfect driving records often pay significantly more for auto insurance than male drivers with identical driving records and other characteristics the insurers use to price auto insurance.

This comes as a bit of a shock to most people because it goes against the commonly held belief that men, and teen males in particular, often take more risks behind the wheel.

In fact, CFA reported that when people were asked who they thought paid more for car insurance almost 48 percent of Americans thought that men did.

CFA men vs. women poll

Chart provided by Consumer Federation of America

Now that you know that both and gender can make a huge impact on the price that you could end up paying for car insurance you can see why it is so important to shop around.

Take a look at the table below to see how your age could be impacting your rate in the Windy City.

Age17253560
Average Annual Rate$9,627.05$3,248.57$2,721.02$2,545.51

As you can see, age and experience in Chi-town do have a way of lowering your car insurance rates. That is not the full picture though.

The table below reveals how adding gender into the mix can shift the cost of your premiums up or down.

DEMOGRAPHICAVERAGE ANNUAL RATE
Single 17-year old female$8,808.60
Single 17-year old male$10,445.50
Single 25-year old female$3,098.36
Single 25-year old male$3,398.79
Married 35-year old female$2,708.30
Married 35-year old male$2,733.75
Married 60-year old female$2,494.91
Married 60-year old male$2,596.11

The data reveals that teenaged boys are still the most expensive age and gender demographics to insure. Knowing that it could cost you almost $2,000 more to cover your son than your daughter on your car insurance policy demonstrates why it is so important to do your research before purchasing car insurance.

– Cheapest Zip Codes in Chicago

While age and gender are factors that most people recognize as ones that will have an impact on their car insurance rate many don’t realize that the neighborhood they love can end up costing them big when it comes time to purchase their car insurance policy.

Chicago really is a city of neighborhoods too which is why it is so important to understand how your zip code can impact your rates.

The table below reveals how your neighborhood compares to the ones around you when it comes to the price that you will pay for car insurance.

ZIP CODEAVERAGE ANNUAL RATE
60657$3,813.21
60614$3,837.67
60601$3,853.01
60661$3,863.33
60602$3,866.67
60611$3,885.20
60606$3,901.06
60654$3,925.77
60610$3,937.50
60605$3,976.26
60604$3,991.79
60603$4,006.24
60613$4,055.80
60699$4,113.14
60631$4,144.64
60656$4,184.23
60640$4,199.50
60618$4,263.32
60607$4,263.61
60646$4,278.23
60701$4,320.08
60660$4,329.47
60622$4,329.78
60625$4,340.72
60630$4,349.39
60647$4,352.72
60642$4,365.00
60655$4,371.46
60626$4,446.26
60615$4,456.26
60645$4,468.13
60634$4,478.10
60616$4,509.45
60659$4,542.39
60643$4,566.04
60707$4,572.14
60633$4,587.01
60641$4,599.02
60638$4,605.84
60608$4,656.33
60652$4,664.85
60617$4,751.21
60632$4,806.57
60612$4,821.18
60609$4,880.99
60653$4,900.13
60629$4,910.08
60628$4,962.87
60637$4,979.15
60619$5,004.51
60639$5,010.63
60620$5,106.75
60649$5,112.76
60621$5,252.39
60644$5,295.93
60651$5,302.29
60624$5,308.33
60623$5,319.98
60636$5,370.32

As you can see, if you live in Lake View or Lake View East you enjoy some of the cheapest car insurance rates in Chi-town.

Residents of the Lower West Side also have rates that fall right in the middle of averages while Chicagoans who live in Back of the Yards or West Englewood have the highest rates in the Windy City.

Chicago residents love their neighborhoods though so picking up and moving to save a few bucks on car insurance isn’t even an option. How do you save money then? By comparing rates and finding the best car insurance company in the Chicago area.

– What is the Best Car Insurance Company in Chicago?

Finding the best car insurance company in Chicago depends on your individual needs. Some companies might be cheaper for you and your family based on the neighborhood you live in while others might offer a better rate if you have a short commute or have a better driving history or credit score.

The only way to know which company is best for you then is to shop around and compare these factors. Not to worry though. We are here to help. Keep scrolling to find out how.

– Cheapest Car Insurance Company by Rates

You have already seen how your age and gender can impact the price that you will pay for your car insurance policy in the Chicago area but did you know that your marital status can also be a factor?

Take a look at the table below to see what happens to your car insurance rates when age, gender, and marital status combine.

GroupMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate$4,333.53$4,352.02$4,540.66$4,540.66$11,231.74$14,600.87$5,208.28$5,625.14
American Family$3,145.58$3,145.58$2,885.32$2,885.32$8,974.54$12,401.20$3,145.58$4,060.93
Farmers$3,387.50$3,381.94$3,004.95$3,196.16$14,812.77$15,388.81$3,859.47$4,010.07
GEICO$2,321.81$2,386.47$2,260.32$2,520.72$8,440.81$8,809.84$2,693.02$2,820.22
Liberty Mutual$1,730.29$1,870.12$1,446.38$1,620.84$5,831.92$6,480.50$1,794.62$1,880.23
Nationwide$3,468.49$3,526.47$3,079.05$3,261.83$9,762.62$12,530.53$4,061.93$4,401.39
Progressive$2,707.83$2,546.29$2,236.73$2,348.70$9,987.55$11,206.27$3,228.33$3,487.78
State Farm$1,985.18$1,985.18$1,794.69$1,794.69$6,256.93$7,886.52$2,248.18$2,602.06
Travelers$2,097.28$2,214.09$1,929.63$2,059.15$6,437.19$8,161.97$2,226.23$2,347.05
USAA$1,905.51$1,929.33$1,771.37$1,733.00$6,349.91$6,988.44$2,517.96$2,752.99

Looking at the data makes it possible to see that 25-year-old female pay between $1,000 to $2,000 a year more for their car insurance policies than their 35-year-old married counterparts.

With this much money involved shopping around is becomes super important.

– Best Car Insurance for Commute Rates

Getting married and getting older are not the only things that can shift the price that you will pay for car insurance up or down.

The distance that you travel each day can also have a significant impact on your car insurance rates. Take a look.

Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.
Allstate$6,804.11$6,804.11
American Family$5,015.74$5,145.27
Farmers$6,380.21$6,380.21
GEICO$3,960.79$4,102.51
Liberty Mutual$2,831.86$2,831.86
Nationwide$5,511.54$5,511.54
Progressive$4,718.69$4,718.69
State Farm$3,238.09$3,400.27
Travelers$3,296.21$3,571.93
USAA$3,152.50$3,334.63

As you can see, commuting 12,000 miles per year can cost you over $1,000 in some instances. This is important to keep in mind given that residents of Illinois put an average of 8,373,565 miles under their wheels in 2014 alone according to the Federal Highway Administration.

All of those miles means an increased chance for a car accident. If the worst should befall you then it will be good to know that you did your homework and got the best price on your car insurance policy.

– Best Car Insurance for Coverage Levels

The amount of coverage that you purchase can also affect the price that you will pay for car insurance in the Windy City.

This means that if you only purchase what the State of Illinois requires you could save a few dollars. Purchasing car insurance isn’t that simple though as you have discovered.

Sometimes where you live in Chicago increase your chances of vehicle theft or vandalism. If this is the case then adding comprehensive coverage to your policy might be worth the extra money.

We have provided you with a few statistics below so that you can see how your premiums could shift according to the coverage amounts that you chose.

GroupHigh CoverageLow CoverageMedium CoverageAverage Coverage
Allstate$7,063.22$6,554.63$6,794.49$6,804.11
American Family$5,084.55$4,891.45$5,265.52$5,080.51
Farmers$6,881.44$6,038.73$6,220.45$6,380.21
GEICO$4,408.86$3,664.19$4,021.90$4,031.65
Liberty Mutual$3,022.31$2,649.53$2,823.75$2,831.86
Nationwide$5,536.22$5,440.40$5,557.99$5,511.54
Progressive$5,137.63$4,323.70$4,694.73$4,718.69
State Farm$3,510.15$3,123.99$3,323.39$3,319.18
Travelers$3,680.36$3,192.61$3,429.25$3,434.07
USAA$3,462.49$3,026.74$3,241.46$3,243.56

As expected, the more coverage you purchase the higher your premiums will be. The added costs could save you money in the long run if your car is ever damaged or stolen.

– Best Car Insurance for Credit History Rates

Factors such as how far you commute each day and how much coverage you purchase are some of the more common things that can impact your rates.

Did you know that your credit rating could also be a factor in determining how much you pay for your car insurance policy though?

GroupGood CreditFair CreditAverage CreditPoor Credit
Allstate$5,482.26$6,251.36$6,804.11$8,678.71
American Family$3,895.47$4,601.42$5,080.51$6,744.63
Farmers$5,791.61$6,091.61$6,380.21$7,257.41
GEICO$2,436.38$3,145.68$4,031.65$6,512.89
Liberty Mutual$1,978.61$2,497.44$2,831.86$4,019.53
Nationwide$4,610.20$5,303.02$5,511.54$6,621.39
Progressive$4,223.32$4,562.63$4,718.69$5,370.12
State Farm$2,248.35$2,892.70$3,319.18$4,816.48
Travelers$2,738.41$3,385.59$3,434.07$4,178.22
USAA$2,447.77$2,968.82$3,243.56$4,314.10

It’s true. In fact, Consumer Reports published a study in 2017 that revealed how car insurance providers are using your credit rating to set the price of your premiums.

In it, Consumer Reports state that:

Car insurers are also rifling through your credit files…to predict the odds that you’ll file a claim.

Considering this, one of the best ways to minimize the impact on your wallet when it comes time to purchase your car insurance policy is to monitor your credit report.

As a consumer, you are entitled to one free copy of your credit report from each of the three major credit reporting agencies:

Monitoring your credit report and asking each of these reporting agencies to remove false or outdated information on it can go a long way towards saving you money one everything from purchasing a new car to car insurance.

– Best Car Insurance for Driving Records

Cleaning up your credit report isn’t the only way to save money if you live in the Chicago area. You can also save a few bucks by cleaning up your driving record.

Just how much can a few dings to your driving record cost you in the Windy City? Take a look at the table below to find out.

GroupClean recordWith 1 accidentWith 1 DUIWith 1 speeding violationAverage
Allstate$4,847.32$8,304.43$7,673.75$6,390.94$6,941.83
American Family$3,751.26$5,256.77$7,062.35$4,251.65$5,356.79
Farmers$5,379.72$6,954.75$6,784.43$6,401.94$6,372.97
GEICO$2,701.97$4,290.39$5,952.39$3,181.85$4,314.92
Liberty Mutual$2,348.76$3,360.15$2,942.07$2,676.46$2,883.66
Nationwide$4,427.20$5,751.44$6,770.90$5,096.60$5,649.85
Progressive$3,875.10$5,791.98$4,299.50$4,908.17$4,655.53
State Farm$3,015.20$3,623.17$3,319.17$3,319.17$3,319.18
Travelers$2,710.07$3,581.97$4,023.28$3,420.97$3,438.44
USAA$2,297.61$3,329.15$4,569.11$2,778.39$3,398.62

Just one speeding ticket could raise your rates by hundreds of dollars as you can tell. Why take the risk when you can simply slow down or leave the house a bit earlier?

You should also monitor your driving record to make sure that outdated or false information is removed. You can do this by requesting a copy of your Illinois driving record through the portal provided by the Office of the Illinois Secretary of State.

– Car Insurance Factors in Chicago

Now that you know how the smaller factors like your driving record and credit report can impact the price of your car insurance policy its time to start thinking big picture.

Getting the best deal for car insurance means understanding how things like the growth and prosperity of Windy City drive pricing in the overall Chicago car insurance market place.

This growth and prosperity are directly connected to you as a resident of Chi-town since everything from your education level to your status as a homeowner or renter goes into it. Keep reading to see what we mean.

– Growth and Prosperity

The Brookings Institute ranked the Chicago-Naperville-Elgin area as 51st in growth and prosperity nationwide in the period between 2005 and 2015.

During this period job growth rose by 2.8 percent which was lower than the expected job growth of 5.9 percent which was predicted.

Employment Services saw the largest actual growth during this period as well. Productivity was also on the rise between 2005 and 2015 as the Windy City saw a 2.9 percent increase in this area over that period.

The amount of job growth and prosperity that Chicago residents enjoyed between 2005 and 2015 drove the standard of living up in the Windy City by 2.7 percent keeping the metro area on par with national productivity and standard of living trends.

Steady growth and prosperity throughout Chicago translate into a car insurance market that has pretty stable pricing. This is good news for you as you shop for car insurance because it indicates a competitive market for car insurance providers which helps to keep your costs down.

– Median Household Income

As the growth and prosperity of Chicago continue to trend upward it makes purchasing things such as a new car or house a real possibility. This is because with city growth and prosperity comes a rise in the median household income for residents of Chicago.

According to Data USA, the median household income in Chicago stands at $55,295.Chicago median income

This is below the national average which means that residents of the Windy City really need to keep track of every penny they spend.

Looking at the breakdown of the median income for Chicagoans and how that translates to the amount that they spend monthly for car insurance you really see why every penny counts.

With a median income of $55,295 and the average annual cost for insurance standing at $3,813, residents of the Windy City are spending approximately $318 of their $4,608 monthly budget on car insurance. That breaks down to 6.9 percent of their yearly income being spent just to maintain their car insurance policies.

You can use the calculator below to see just how much of your annual income is being dedicated to your car insurance premiums each year.

CalculatorPro

Now that you know how much of your annual budget is being spent on car insurance you can see why it is so important to shop around.

– Home Ownership in Chicago

Data USA reported that in 2017 44.9 percent of the residents in Chicago owned their homes.

Chicago homeowner

As you can see from the chart above this rate of homeownership is lower than the national average of 63.9 percent.

Owning a home could save you money though when it comes to purchasing your car insurance policy though according to Money Magazine.

Part of the reason for this is that you can bundle your car and homeowner insurance policies.

Another reason that homeownership translates to bigger savings on your car insurance policy is that many car insurance companies see homeownership as a mark of financial stability,

According to Consumer Federation of America (CFA):

Auto insurance companies’ use of homeownership status in pricing disadvantages low- and moderate-income Americans.

This is because lower-income individuals are more likely to have lower credit scores and/or the financial means to pay out-of-pocket rather than fling a claim in the case of an auto accident.

Regardless of how much money you make, owning a home is still part of the American Dream for most people.

If you want your slice of the American Dream in the Windy city be aware that the median value of homes in the Windy City stands at around $255,900.

Chicago property value

Owning a home is not the only way to lower the cost of your car insurance policy if you live in the Chicago metro area. Keep reading to find out about some of the many other ways that you could save a few bucks.

– Education in Chicago

Just like credit scores, many people in Chi-town have no idea that their education level is impacting their car insurance rates.

In fact, Consumer Federation of America (CFA) released a study in 2013 which revealed that:

Major auto insurers charge higher rates to drivers with less education and lower-status jobs.

If advancing your career or looking towards self-fulfillment through higher-education is in your future plans then why not take a look at how much this decision could save you on car insurance?

Information provided by Data USA reveals that universities in the Windy City awarded approximately 64,000 degrees in 2016 alone.

Chicago concentrations

The most popular major in the Chicago area was also General Business and Administration.

Chicago also has plenty of places to study if you are interested. Some of these institutions include:

  • Harold Washington College
  • Kennedy–King College
  • Malcolm X College
  • Olive–Harvey College
  • Columbia College at Chicago
  • School of the Art Institute of Chicago
  • VanderCook College of Music
  • And Wheaton College

The Windy City also has several Universities that award graduate degrees including:

  • Chicago State University
  • Northeastern Illinois University
  • The University of Illinois at Chicago
  • DePaul University
  • East–West University 
  • Loyola University of Chicago
  • North Park University (Chicago)
  • Northwestern University 
  • Roosevelt University 
  • And Saint Xavier University

Chicago also has the John Marshall Law School and Rush Univerity if studying law or medicine is your passion.

Women in Chi-town are the gender group to seek out higher education in the Windy City.

chicago gender higher education

Of the over 64,000 degrees awarded in 2016 36,617 were awarded to women.

So how does all of this information help you get a better price for your car insurance policy? Well if you are a student already you can ask your agent about good student discounts that can be applied to your policy.

Not enrolled yet? Knowing that there are good student discounts out there to be had, and that car insurers are looking at your education level when setting your rates could change your mind.

– Wage by Race and Ethnicity

With all of this talk about how higher education can impact your car insurance rates, you can see how your annual income could be pushing your out-of-pocket expenses up or down.

Wages are sometimes based on race and ethnicity as well unfortunately which is another reason to take a look at these factors when shopping for car insurance. Take a look at the chart provided by Data USA to see what we mean.

Chicago wage ethnicity

As you can see, Asians are generally the highest-paid workers in the Windy City in the professions being reported here.

More annual income also translates to less percentage of income that must be dedicated to car insurance premiums. Take a look at the table below to see what we mean.

EthnicityMiscellaneous ManagerPercentage of IncomeRegistered NursePercentage of IncomeDriver/sales workers & truck driversPercentage of IncomeElementary & Middle School TeachersPercentage of IncomeCashiersPercentage of Income
Asian$116,0963.28%$73,4785.19%$29,09913.10%$47,2148.08%$15,71324.27%
White$99,5413.83%$61,3976.21%$46,9438.12%$50,9827.48%$14,56126.19%
Two or More Races$72,2325.28%$69,4975.49%$54,6426.98%$44,1718.63%$33,79611.28%
Black$64,1065.95%$54,1487.04%$46,0858.27%$47,9687.95%$15,61624.42%
Other$60,3496.32%$65,7625.80%$34,84810.94%$51,0407.47%$11,13834.24%

As you can see, the less money you make the higher the percentage of your annual income that you must dedicate to maintaining the validity of your car insurance policy.

This is why it is so important to gather all of the facts as you look around for the best deals on car insurance.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

– Wage by Gender in Common Jobs

As we discussed earlier, your gender can also have an effect on your car insurance rates. Gender also impacts your earning potential as well which can cost you big when it comes time to pay out for car insurance.

Take a look at the wages for common jobs in the Chicago area by gender according to Data USA.

Chicago wage and gender

Looking at the table below also reveals that when gender and occupation combine as factors for determining the price of your car insurance policy the difference can really be seen by examining the percentage of annual income that a man versus a woman must dedicate to car insurance.

GenderMiscellaneous ManagerPercentage of IncomeRegistered NursePercentage of IncomeElementary & Middle School TeachersPercentage of IncomeDriver/sales workes & truck driversPercentage of IncomeCashiersPercentage of Income
Male$110,3533.46%$85,3104.47%$58,7796.49%$51,2367.44%$29,56212.90%
Female$83,0284.59%$67,0215.69%$54,6066.98%$35,66610.69%$24,94015.29%

On average there is a 3-5 percent difference in the percentage of annual income spent on car insurance by men and women in the Windy City.

Knowing that factors such as your gender and occupation can combine to impact your car insurance rates in such a huge way is reason enough to shop around.

– Poverty by Age and Gender

Statistics collected by Data USA also give insight into how your gender and your annual income combine to cost you more for car insurance.

The largest demographic living in poverty in Chi-town is women who are between the ages of 25 to 34.

Chicago poverty age gender

This is also the group of women that our section on Men vs. Women above revealed as the ones who are paying the most for car insurance save teenagers.

This means that if you are a woman you really need to be comparing insurance companies in order to guarantee yourself the best rate for your policy.

– Poverty by Race and Ethnicity

Data USA’s statistics also reveal that BLacks are among some of the poorest residents of Chicago followed by whites.

Chicago poverty race ethnicity

 

This gap in wages between races and ethnicities translates into higher percentages of annual incomes being spent on car insurance by some of the most susceptible residents of Chicago.

A report put out by ProPublica also demonstrates how gender and ethnicity combine to make things even worse for some of the people who are in the worse need of help in the Chicago area stating that:

Some major insurers charge minority neighborhoods as much as 30 percent more than other areas with similar accident costs.

Until legislation is passed to prevent such practices as using education level and credit history these trends are likely to continue.

No matter who you are or where you live, we want you to keep as much of your hard-earned money in your pocket as we can by getting the best rate on for car insurance.

– Employment by Occupation

Data USA looked at employment by occupation in the Windy City and found that between 2016 and 2017 employment grew 0.41 percent.

The data collected also revealed that most of these jobs were in the office and administrative field.

Chicago Employment

It often comes as a surprise to many that car insurance companies are looking at occupation as they set your rates.

Money Crashers revealed that:

Auto insurance companies may also make correlations between a person’s risk of accident and their profession, and they can adjust your premium accordingly if they think you’re more likely to get in an accident.

Some of the occupations which are most at risk for this are delivery drivers, sales representatives, and journalists who spend a good deal of time on the road for work.

More jobs in general in the Chicago metro area also means more people on the road who are trying to get to work.

This increase in traffic can lead to an increased chance that you might become involved in a traffic accident.

Should the unfortunate happen it will bring you a small amount of comfort to know that you have the right car insurance provider on your side.

Driving in Chicago

Between the congestion and the nose, driving in the Windy City can sometimes be a headache.

Add to that road construction, pedestrians, and bicyclists and you can see why it is so important to remain vigilant when you are behind the wheel.

While defensive driving goes a long way towards keeping your premiums low it isn’t the only thing that can help you keep your car insurance rates down.

Knowing a little about what you might face as you head out on the road in Chi-town can go a long way towards preventing a traffic incident. That’s where we come in. Keep scrolling to find out more.

– Roads in Chicago

The city streets of Chicago are filled with historical landmarks like Buckingham Fountain and the Chicago Water Tower.

Unfortunately for drivers in the Windy City, the streets are also filled with crowding, construction, and potholes.

There isn’t much Chicagoan can do about the series of freezing and thawing that causes major potholes to form on city streets. Being aware of where they are and how to avoid them though can help you keep your overall vehicle operating costs down.

Keep reading to find out more about how you can avoid damage to your car and save some money on car insurance at the same time.

– Major Highways

The city of Chicago is surrounded by major highways that all lead to the place where the Windy City is nestled along the banks of Lake Michigan.

Chicago map

Some of these highways and expressways include:

  • I-190: Kennedy Expressway
  • I-290: Eisenhower Expressway
  • I-294: Tri-State Tollway
  • I-355: Veterans Memorial Tollway
  • I-55: Stevenson Expressway
  • I-80: Kingery Expressway
  • I-88: Ronald Reagan Memorial Tollway
  • I-90: Chicago Skyway
  • I-94: Kingery Expressway
  • Bishop Ford Memorial Freeway: I-94
  • Dan Ryan Expressway: I-90, I-94
  • Ronald Reagan Memorial Tollway: I-88
  • Edens Expressway: I-94
  • Eisenhower Expressway: I-290
  • And the Elgin O’Hare Expressway: I-390

With so many expressways and major interstates leading into Chicago getting around can be a slow and painful process. This is especially true in wintertime when heavy snow can bring traffic to a standstill and cause a whole lot of major accidents. Driving around the Windy City any time of year can also cost you a pretty penny in tolls on such arteries and the Reagan Memorial or the Veteran’s Memorial Expressways.

Want to avoid these costs? Just check out the Illinois Tollway website to see the location and cost of each when mapping your route.

Residents of Illinois can also purchase an I-PASS or E-ZPass and pay one annual fee rather than racking up a bunch of small toll charges over time.

Things like saving money on both car insurance and tolling costs can really help you keep your vehicle operating costs down.

– Popular Road Trips and Sites

While the city of Chicago certainly has some of the best food and entertainment options within its limits, sometimes it is nice to just get out of town.

Some of the more popular day trips for residents of Chi-town include trips to places like Naperville and Six Flags Great America.

These day trips give you a chance to take a breather and relax; even if getting there involves getting out on the open road and dealing with other drivers.

Whether you are traveling inside or outside the city you should always go to the Chicago Traffic Tracker provided by the City of Chicago before leaving the house.

Knowing where the traffic jams, construction problems, and road closures are can help you get where you want to go safely and with a minimal hassle.

Less of a hassle also means less of a chance of your being involved in a traffic incident that could force you to file a claim as well.

– Road Conditions

Between the brutal cycles of winter freezing and thawing and the sheer amount of people who use the roadways that surround the Windy City, it is no wonder that 28 percent of them are in poor shape according to Tripnet.org.

The streets in Chi-town have even become so bad that average citizens have jumped in to help city crews get a handle on things.

Potholes can really add to your bottom line if you hit one of them too. In fact, Tripnet.org reported that the average vehicle operating cost that each Chicagoan shells out each year stands at $627.

These costs include things such as vehicle maintenance from the pothole and other damage, fuel costs, and the cost of maintaining valid car insurance.

You can see how shopping around for your car insurance policy could help put some money back in your pocket then.

– Does Chicago Use Red Light Cameras?

Putting money back into your pocket isn’t just shopping around for the best rate. It also means being aware of the traffic laws and enforcement procedures in your area as you head out to face the day.

One of these enforcement procedures in the Windy City includes the use of red-light cameras.

According to the City of Chicago:

Red Light Camera Enforcement is designed to increase safety on Chicago streets by reducing the most dangerous types of crashes at intersections.

The City of Chicago also reported that between 2005 and 2016 T-Bone accidents were down 66 percent, pedestrian crashes were down 33 percent, and rear-end collisions fell off by 46 percent.

Some places in Chi-town are more prone to ticketing residents for red-light violations as well.

While many residents feel that the red-light camera system is a scam the reality is that red-light cameras can save lives.

An Insurance Institute for Highway Safety (IIHS) study found that:

Cameras reduced the fatal red light running crash rate of large cities by 21 percent and the rate of all types of fatal crashes at signalized intersections by 14 percent.

This backs up the City of Chicago’s findings for the period between 2005 and 2016.

– Vehicles in Chicago

Ch-town used to have a thriving car culture but, like with so many other things, Millennials are changing this dynamic.

The Chicago Tribune reported that:

Only half of millennials bother to get their driver’s licenses by age 18.

Why? Because Millennials are more likely to opt into ridesharing or public transit. Millennials are not the only occupants of the Windy City though.

In fact, many Generation X and Baby Boomers in Chicago own and/or collect cars.

Chicago even hosts the nations largest car show every year. The Chicago Auto Show boasts entries of all kids from hybrids to concept vehicles.

If new vehicles aren’t your thing then Drive Chicago has a list of classic car events that might interest you. If you are the lucky owner of one of these beauties it might benefit you to look into classic car insurance to keep your prized possession protected against loss or damage.

– Most Popular Vehicle Owned in Chicago

According to YourMechanic.com, the most unusually popular vehicle in Chicago is the Chevy Monte Carlo.

Chicago popular car

 

Whether you prefer the classic beauty seen above or a newer model, the Chevy Monte Carlo will cost you some money in gas.

Averaging 19.3 MPG, the Chevy Monte Carlo was manufactured for 12 years and can cost you around $1,800 just in fuel each year according to OfficialData.org.

Given its size and weight, it is no wonder that this baby costs so much to feed at the pump. The size and weight make it one of the safest vehicles to own though.

The National Highway Transportation and Safety Administration (NHTSA) even gave it five stars for many of the years that it was in production.

– Cars Per Household in Chicago

The choice of the Chevy Monte Carlo as Chicago’s most popular is not the only thing that makes the car culture in the city unique.

Residents of the Windy City also prefer to own one car versus the national average of two.

Chicago car ownership

Owning a car means purchasing car insurance to meet the minimum Ilinois State requirements though no matter how many are sitting in your driveway.

– Chicago Households Without Cars

Governing.com reported that 27.5 percent of Chicago residents did not own a car in 2016. Just because you don’t own a car doesn’t mean that you shouldn’t be thinking about ways to save on car insurance.

Many car insurance companies have ways of protecting yourself and your passengers even if you are driving a friends car to get around. One of these ways is through the purchase of a non-owner car insurance policy.

This type of policy gives you limited liability coverage in the event of an accident which can help you pay your friend back if you wreck their car.

– Speed Traps in Chicago

One of the most common reasons for car accidents is speed. Being cited for speed can also raise your car insurance rates costing you a lot of headache and heartache in the long run.

In an effort to prevent speeding, the City of Chicago actively uses speed cameras.

These traps are meant to slow Chicago drivers down and save lives which is why their use has been expanded in school zones according to the Chicago Tribune.

The City of Chicago points out that:

A pedestrian hit by a car traveling 20 mph – the speed in a school zone – has a 95 percent chance of living. That same person hit by a car traveling more than 40 mph has an 80% chance of dying.

Arriving on time is not worth the risk to your life or someone else’s.

You should also be aware that if you are caught blowing through a school zone by one of these devices it will cost you $35 if you are traveling between 6-10 mph over the posted speed limit while in a safety zone.

If you are traveling 11 miles or more per hour over the speed limit it will cost you a cool $100.

That is just in fines. Your need for speed could also cost you hundreds of more dollars in car insurance premiums so slow down or leave the house earlier.

– Vehicle theft in Chicago

Speeding is not the only thing that can cost you money as a car owner.

Sometimes just parking in the wrong place in the wrong time can cause your vehicle to disappear and your frustration and anger to show up in spades.

The Chicago Police Department reported that in 2018:

Motor vehicle thefts were…down 11 percent in 2018, compared to 2017.

This is good news overall, but let’s face it: some neighborhoods are safer than others when it comes to parking your car. You can find out about the safety of neighborhoods like yours by looking at the crime statistics gathered by such sites as Neighborhood Scout.

Take a look at the table below to get an idea about how safe the Windy City is on the whole.

Chicago Annual CrimesViolentPropertyTotal
Number of Crimes29,76689,294119,060
Crimes (per 1,000 residents)10.9632.8743.83

As you can see, Chicago has its fair share of crime like any major city. Sometimes these crimes can become violent as well.

Chicago Violent CrimesMurderRapeRobberyAssault
Report Total6531,76411,89715,452
Rate per 1,0000.240.654.385.69

Living in Chicago is not all bad news. In fact, many residents wouldn’t trade their beloved city for any other place in the world. Living in any major city just means that you must be mindful about your surroundings and where you park sometimes though.

Being vigilant is one way to protect your property and person. Another good way is to purchase comprehensive car insurance. This type of coverage will protect you against loss or damage in the case of vehicle theft and/or vandalism or a natural disaster.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

– Chicago Traffic

Residents of Chicago lose an average of 138 hours to congestion each year ranking their beloved city as 3rd worst in the nation when it comes to congestion according to INRIX.

INRIX also estimates that all of this congestion costs each driver in Chicago an average of $1,920 a year.

Some residents of the Windy City save a few dollars by switching to public transit whenever possible, but public transit isn’t always an option for others.

Either way, you choose to get around eventually you will find yourself facing delays.

Most of these delays occur between the hours of 7:30 AM and 9:30 AM or between 4 to 6 PM. During this time even the trains can get off schedule as commuters cram onto platforms and into train cars just trying to make it to and from places.

The prospect of sharing such a confined space as a crowded train or bus is why many Chicagoans chose to travel by personal vehicle.

If you are one of the thousands of Chicago residents who commute by personal automobile then you know how important it is to get a good deal on car insurance.

If driving really is not for you though then Chicago is a great place to live.

– Transportation

No matter how you choose to commute it is going to take you a while to get where you are going.

According to Data USA, the average commute time in the Windy City is 33.1 minutes. This is longer than the 25.5-minute national average.

chicago commute time

Chicago is not unlike other major cities when it comes to commute times for the most part though.  In fact, just like the residents of New York City, a lot of Chicagoans take what is called a ‘Super Commute’ each day meaning that they spend over 90 minutes just trying to get where they are going.

Data USA also reported that 48.6 percent of Chicago residents also preferred to drive alone as of 2017.

Chicago commuter trans

Spending 90 minutes in a car is a long time. The more time that you spend behind the wheel the greater your chances become of being in an accident as well.

Accidents translate into insurance claims which could raise your rates so it really does pay to get the best deal that you can for your car insurance policy.

– Busiest Highways

As a driver in the Chicago area, you already know that some highways are busier than others.

According to the Federal Highway Administration (FHWA), Chicago has one of the busiest roadways in all of Illinois along ROute 53 which boasts 12 lanes just to keep pace with the traffic.

More lanes translate into more of a chance that you might have a collision with one of them though. You can help keep yourself safe by driving defensively and slowing down.

– How Safe are Chicago Streets and Roads

Road fatalities are a possibility that no one likes to think about even though they are a possibility every time that you get behind the wheel.

Some counties are more prone to fatal car crashes than others, and knowing which ones are the most dangerous could help you be more aware when traveling through them.

Take a look at the table below to see how Cook County compares to its neighbors according to the National Highway Transportation and Safety Administration (NHTSA).

COUNTY2013 FATALITIES2014 FATALITIES2015 FATALITIES2016 FATALITIES2017 FATALITIES
Adams741356
Alexander00111
Bond05424
Boone107437
Brown20010
Bureau648117
Calhoun11000
Carroll42047
Cass21803
Champaign1817152314
Christian54856
Clark53073
Clay02023
Clinton391126
Coles994612
Cook250235239268287
Crawford71204
Cumberland30464
De Witt21136
Dekalb81012511
Douglas33245
Dupage3024363640
Edgar11173
Edwards10320
Effingham87992
Fayette810293
Ford14152
Franklin981774
Fulton515311
Gallatin11010
Greene41445
Grundy88794
Hamilton52130
Hancock53121
Hardin22112
Henderson33211
Henry104358
Iroquois951186
Jackson47101112
Jasper32281
Jefferson12711110
Jersey44173
Jo Daviess768123
Johnson20332
Kane2921293931
Kankakee141492318
Kendall699610
Knox541677
La Salle1123133018
Lake3431365047
Lawrence35544
Lee28665
Livingston6471210
Logan556105
Macon111320712
Macoupin62586
Madison2833332145
Marion411396
Marshall44225
Mason10202
Massac11343
Mcdonough25143
Mchenry1719182633
Mclean1016181112
Menard13022
Mercer21211
Monroe33431
Montgomery410482
Morgan114326
Moultrie11303
Ogle1271325
Peoria1919161613
Perry44325
Piatt12121
Pike42443
Pope21101
Pulaski11312
Putnam20111
Randolph1594107
Richland02224
Rock Island7910117
Saline36424
Sangamon2020132018
Schuyler32002
Scott10020
Shelby01523
St. Clair4531394035
Stark03104
Stephenson44065
Tazewell91211910
Union333110
Vermilion10710816
Wabash10023
Warren21423
Washington57797
Wayne42332
White62323
Whiteside531257
Will4861514559
Williamson810111112
Winnebago3522293923
Woodford43226

As you can see, Cook county leads the way when it comes to traffic fatalities reported by county. There were 287 traffic deaths in 2017 alone.

Some of these traffic deaths could have been prevented by designating a driver or drinking more responsibly. Take a look.

COUNTY2013 FATALITIES2014 FATALITIES2015 FATALITIES2016 FATALITIES2017 FATALITIES
Adams22611
Alexander00010
Bond03202
Boone13013
Brown00000
Bureau21262
Calhoun10000
Carroll20013
Cass00300
Champaign54263
Christian31321
Clark10040
Clay02001
Clinton20312
Coles42133
Cook97856681109
Crawford20002
Cumberland10110
De Witt10020
Dekalb15612
Douglas10110
Dupage76887
Edgar10010
Edwards00100
Effingham20320
Fayette02001
Ford02121
Franklin52440
Fulton10114
Gallatin00000
Greene21121
Grundy35223
Hamilton51110
Hancock21101
Hardin21110
Henderson02000
Henry11203
Iroquois12310
Jackson24222
Jasper22131
Jefferson33123
Jersey42031
Jo Daviess13222
Johnson00120
Kane978137
Kankakee43398
Kendall23213
Knox21440
La Salle47876
Lake710161618
Lawrence12320
Lee01232
Livingston30222
Logan10163
Macon23631
Macoupin30232
Madison81410414
Marion20421
Marshall02102
Mason00200
Massac00123
Mcdonough13010
Mchenry666812
Mclean45634
Menard01002
Mercer10010
Monroe22220
Montgomery04020
Morgan31004
Moultrie01100
Ogle11702
Peoria108624
Perry01011
Piatt00010
Pike31021
Pope00000
Pulaski11010
Putnam20110
Randolph23123
Richland00100
Rock Island53422
Saline10101
Sangamon35463
Schuyler11001
Scott00000
Shelby00220
St. Clair1914111715
Stark02001
Stephenson01031
Tazewell53131
Union00015
Vermilion32226
Wabash10011
Warren10110
Washington22232
Wayne01011
White10101
Whiteside20703
Will1712201521
Williamson53235
Winnebago9911165
Woodford20210

Of the 287 fatal crashes in Cook County reported by NHTSA, 109 were attributed to drinking and driving. Getting behind the wheel isn’t the only thing that caused such high rates of fatalities in Cook County though.

Speed was also a factor in many of the fatal car crashes for 2017.

COUNTY2013 SPEEDING FATALITIES2014 SPEEDING FATALITIES2015 SPEEDING FATALITIES2016 SPEEDING FATALITIES2017 SPEEDING FATALITIES
Adams411024
Alexander00011
Bond00322
Boone02133
Brown10000
Bureau32343
Calhoun10000
Carroll21022
Cass10202
Champaign55475
Christian20211
Clark11023
Clay00010
Clinton22503
Coles35025
Cook11910388111143
Crawford11004
Cumberland10123
De Witt01101
Dekalb23514
Douglas11031
Dupage1212141617
Edgar00101
Edwards00200
Effingham61350
Fayette12151
Ford01010
Franklin30510
Fulton20321
Gallatin00000
Greene40113
Grundy35141
Hamilton50020
Hancock10111
Hardin22011
Henderson10000
Henry14204
Iroquois53521
Jackson21351
Jasper00000
Jefferson62105
Jersey42041
Jo Daviess31131
Johnson10210
Kane137121618
Kankakee7421011
Kendall32435
Knox21641
La Salle5145147
Lake1412201520
Lawrence11411
Lee12223
Livingston22123
Logan34174
Macon34913
Macoupin31111
Madison91215518
Marion31131
Marshall21004
Mason00100
Massac00123
Mcdonough02010
Mchenry4811139
Mclean56755
Menard10001
Mercer10110
Monroe21120
Montgomery23032
Morgan50004
Moultrie00202
Ogle73611
Peoria107743
Perry11111
Piatt00110
Pike00022
Pope11000
Pulaski10210
Putnam20000
Randolph32142
Richland00110
Rock Island31131
Saline12120
Sangamon95494
Schuyler31000
Scott10000
Shelby00212
St. Clair208141313
Stark01001
Stephenson02032
Tazewell56422
Union01105
Vermilion525711
Wabash00011
Warren00311
Washington21134
Wayne01112
White01221
Whiteside32333
Will1531232234
Williamson58254
Winnebago19912167
Woodford31110

The year 2017 saw 143 residents of Cook county lose their lives to accidents involving speeding. Some of these were single-vehicle accidents while others involved multiple drivers.

COUNTY2013 SINGLE VEHICLE CRASH FATALITIES2014 SINGLE VEHICLE CRASH FATALITIES2015 SINGLE VEHICLE CRASH FATALITIES2016 SINGLE VEHICLE CRASH FATALITIES2017 SINGLE VEHICLE CRASH FATALITIES
Adams32824
Alexander00011
Bond04103
Boone31316
Brown20010
Bureau33693
Calhoun11000
Carroll22024
Cass10501
Champaign8491210
Christian22536
Clark12040
Clay02021
Clinton27811
Coles42338
Cook144149159155161
Crawford11202
Cumberland10231
De Witt11133
Dekalb25823
Douglas22132
Dupage2213191715
Edgar11121
Edwards10000
Effingham43360
Fayette86241
Ford02022
Franklin54863
Fulton21438
Gallatin10010
Greene21031
Grundy54364
Hamilton51120
Hancock32101
Hardin21101
Henderson10001
Henry24135
Iroquois73644
Jackson279106
Jasper31281
Jefferson35063
Jersey43151
Jo Daviess53472
Johnson10132
Kane139172311
Kankakee9741110
Kendall23123
Knox43542
La Salle71481010
Lake1918191724
Lawrence32313
Lee24243
Livingston23436
Logan54453
Macon691035
Macoupin02453
Madison1624181223
Marion311045
Marshall12124
Mason00202
Massac10223
Mcdonough24021
Mchenry10914821
Mclean4911810
Menard03002
Mercer21010
Monroe22120
Montgomery36330
Morgan53214
Moultrie00202
Ogle92612
Peoria911786
Perry02022
Piatt02011
Pike42343
Pope20101
Pulaski11110
Putnam20110
Randolph95125
Richland00002
Rock Island77575
Saline13422
Sangamon101310119
Schuyler21002
Scott10020
Shelby00421
St. Clair2916262019
Stark02002
Stephenson11024
Tazewell65753
Union21105
Vermilion75469
Wabash10022
Warren00421
Washington43662
Wayne32232
White22222
Whiteside32724
Will2428242023
Williamson63474
Winnebago2113162312
Woodford21102

There were 161 single-vehicle fatal crashes in Cook County in 2017. While some were attributed to alcohol consumption or speed, others were the result of roadway departure.

COUNTY2013 ROADWAY DEPARTURE FATALITIES2014 ROADWAY DEPARTURE FATALITIES2015 ROADWAY DEPARTURE FATALITIES2016 ROADWAY DEPARTURE FATALITIES2017 ROADWAY DEPARTURE FATALITIES
Adams33634
Alexander00011
Bond03102
Boone45225
Brown10000
Bureau43773
Calhoun11000
Carroll42024
Cass10503
Champaign138598
Christian32331
Clark42040
Clay02013
Clinton25825
Coles33018
Cook100959185100
Crawford61104
Cumberland20133
De Witt11122
Dekalb75825
Douglas12233
Dupage1511161611
Edgar11151
Edwards10310
Effingham53360
Fayette74132
Ford02132
Franklin641254
Fulton31319
Gallatin10000
Greene21443
Grundy44534
Hamilton52120
Hancock42111
Hardin21101
Henderson33210
Henry54225
Iroquois54543
Jackson36489
Jasper21251
Jefferson34054
Jersey43143
Jo Daviess65792
Johnson10221
Kane149142312
Kankakee71151111
Kendall44448
Knox53943
La Salle9189811
Lake1414191917
Lawrence24432
Lee13344
Livingston53246
Logan54464
Macon561025
Macoupin01453
Madison1421111417
Marion31475
Marshall24114
Mason10202
Massac00123
Mcdonough24012
Mchenry119111421
Mclean461168
Menard13012
Mercer21210
Monroe22430
Montgomery28430
Morgan32124
Moultrie10102
Ogle93802
Peoria10111064
Perry31014
Piatt02010
Pike31243
Pope21101
Pulaski11010
Putnam20110
Randolph86285
Richland00001
Rock Island61674
Saline06421
Sangamon11139810
Schuyler12002
Scott10020
Shelby00421
St. Clair2923242020
Stark03002
Stephenson43054
Tazewell75655
Union11107
Vermilion824711
Wabash10022
Warren10420
Washington54676
Wayne32222
White22122
Whiteside221245
Will1829262134
Williamson48372
Winnebago111016197
Woodford21112

Some of the 100 roadway departure fatalities that Cook County witnessed in 2017 could have been prevented if these drivers g=had simply refrained from distracted driving or slowed down during hazardous road conditions.

Other traffic fatalities for 2017 could have been prevented by paying more attention at intersections.

COUNTY2013 INTERSECTION FATALITIES2014 INTERSECTION FATALITIES2015 INTERSECTION FATALITIES2016 INTERSECTION FATALITIES2017 INTERSECTION FATALITIES
Adams40402
Alexander00000
Bond01022
Boone43020
Brown00000
Bureau01331
Calhoun00000
Carroll01001
Cass11200
Champaign597102
Christian01010
Clark11020
Clay00000
Clinton01001
Coles34145
Cook828097115111
Crawford10100
Cumberland00032
De Witt00003
Dekalb04313
Douglas01101
Dupage61111822
Edgar00012
Edwards00010
Effingham22400
Fayette01020
Ford10020
Franklin32500
Fulton20012
Gallatin00000
Greene20001
Grundy21010
Hamilton00000
Hancock01100
Hardin01011
Henderson01001
Henry21002
Iroquois21310
Jackson10333
Jasper00010
Jefferson00114
Jersey00021
Jo Daviess01121
Johnson00010
Kane878168
Kankakee42394
Kendall23522
Knox11232
La Salle254134
Lake810132221
Lawrence00000
Lee04311
Livingston00361
Logan11110
Macon66756
Macoupin20031
Madison7511512
Marion00120
Marshall10101
Mason00000
Massac01020
Mcdonough00121
Mchenry653118
Mclean26552
Menard00010
Mercer00001
Monroe11001
Montgomery00010
Morgan51202
Moultrie00000
Ogle20512
Peoria754104
Perry01201
Piatt10010
Pike00000
Pope00000
Pulaski00001
Putnam00000
Randolph45023
Richland02114
Rock Island12342
Saline20002
Sangamon106386
Schuyler00000
Scott00000
Shelby01102
St. Clair567613
Stark00001
Stephenson02001
Tazewell24641
Union10110
Vermilion13112
Wabash00010
Warren10002
Washington03210
Wayne01111
White10121
Whiteside11211
Will1516151615
Williamson14526
Winnebago10761313
Woodford01014

Unfortunately, 111 people lost their lives at an intersection in 2017 within Cook County. The amount of passager car occupant fatalities in Cook County for 2017 was also high.

COUNTY2013 PASSENGER CAR OCCUPANT FATALITIES2014 PASSENGER CAR OCCUPANT FATALITIES2015 PASSENGER CAR OCCUPANT FATALITIES2016 PASSENGER CAR OCCUPANT FATALITIES2017 PASSENGER CAR OCCUPANT FATALITIES
Adams31603
Alexander00001
Bond03201
Boone44322
Brown10000
Bureau12252
Calhoun00000
Carroll20014
Cass01301
Champaign99776
Christian11130
Clark20010
Clay00010
Clinton02614
Coles34016
Cook104937698120
Crawford21103
Cumberland00110
De Witt11014
Dekalb55944
Douglas12234
Dupage813161713
Edgar00121
Edwards00100
Effingham33431
Fayette17021
Ford01132
Franklin55423
Fulton40206
Gallatin10010
Greene10213
Grundy51021
Hamilton00000
Hancock01021
Hardin21000
Henderson12100
Henry51231
Iroquois43522
Jackson12213
Jasper00110
Jefferson21111
Jersey12041
Jo Daviess33271
Johnson20110
Kane155111015
Kankakee5861410
Kendall32736
Knox32842
La Salle397176
Lake1710182315
Lawrence12321
Lee10211
Livingston11382
Logan32223
Macon37623
Macoupin51151
Madison111111912
Marion31733
Marshall13213
Mason10101
Massac01102
Mcdonough00131
Mchenry10810119
Mclean55851
Menard11010
Mercer00200
Monroe21210
Montgomery05330
Morgan32012
Moultrie10202
Ogle62414
Peoria69765
Perry11202
Piatt10020
Pike30011
Pope00001
Pulaski01100
Putnam20000
Randolph86052
Richland00001
Rock Island00113
Saline12211
Sangamon86616
Schuyler00001
Scott10020
Shelby01112
St. Clair1917101415
Stark01002
Stephenson12031
Tazewell44633
Union02115
Vermilion62455
Wabash00021
Warren20102
Washington14343
Wayne12202
White10002
Whiteside12134
Will2325201936
Williamson58634
Winnebago15715149
Woodford21014

There were 120 passenger car occupant deaths in 2017 which was up from the 98 reported for the year before.

Fatal crashes in Cook County didn’t just involve passengers or drivers. Sometimes these fatal accidents involved a collision with a pedestrian.

COUNTY2013 PEDESTRIAN FATALITIES2014 PEDESTRIAN FATALITIES2015 PEDESTRIAN FATALITIES2016 PEDESTRIAN FATALITIES2017 PEDESTRIAN FATALITIES
Adams10000
Alexander00000
Bond01000
Boone10100
Brown00010
Bureau00021
Calhoun00000
Carroll00000
Cass00000
Champaign10341
Christian11010
Clark00000
Clay00010
Clinton01000
Coles00211
Cook5363817376
Crawford00100
Cumberland00000
De Witt10001
Dekalb01001
Douglas00000
Dupage43649
Edgar00011
Edwards00000
Effingham02010
Fayette00110
Ford00000
Franklin01010
Fulton00101
Gallatin00000
Greene00000
Grundy00110
Hamilton00000
Hancock00000
Hardin00000
Henderson00000
Henry00001
Iroquois10101
Jackson00520
Jasper00010
Jefferson01001
Jersey00000
Jo Daviess10010
Johnson00000
Kane43444
Kankakee30110
Kendall02000
Knox01000
La Salle00110
Lake763611
Lawrence10000
Lee00000
Livingston00111
Logan00100
Macon12111
Macoupin00100
Madison53635
Marion00010
Marshall00010
Mason00000
Massac00000
Mcdonough00000
Mchenry10414
Mclean22212
Menard00000
Mercer00000
Monroe00000
Montgomery10010
Morgan11100
Moultrie00100
Ogle01000
Peoria13022
Perry00010
Piatt00000
Pike11000
Pope00000
Pulaski00000
Putnam00000
Randolph20000
Richland00001
Rock Island04110
Saline00001
Sangamon13031
Schuyler00000
Scott00000
Shelby00000
St. Clair80462
Stark01000
Stephenson00001
Tazewell02212
Union10000
Vermilion12102
Wabash00000
Warren00001
Washington20000
Wayne00010
White00000
Whiteside00001
Will48673
Williamson20211
Winnebago113464
Woodford01000

Cook County has seen a marked increase in pedestrian deaths from the 53 recorded for 2013 to 76 reported for 2017 alone. Many pedalcyclists lost their lives to traffic accidents as well in Cook County.

COUNTY2013 PEDALCYCLIST FATALITIES2014 PEDALCYCLIST FATALITIES2015 PEDALCYCLIST FATALITIES2016 PEDALCYCLIST FATALITIES2017 PEDALCYCLIST FATALITIES
Adams00100
Alexander00100
Bond00000
Boone00001
Brown00000
Bureau00000
Calhoun00000
Carroll00000
Cass00000
Champaign00011
Christian00000
Clark00000
Clay00000
Clinton00000
Coles10012
Cook111114118
Crawford00000
Cumberland00000
De Witt00000
Dekalb00000
Douglas11000
Dupage23120
Edgar00000
Edwards00000
Effingham00000
Fayette10010
Ford00000
Franklin01000
Fulton00000
Gallatin00000
Greene00000
Grundy10020
Hamilton00000
Hancock00000
Hardin00000
Henderson00001
Henry00000
Iroquois10000
Jackson01000
Jasper00000
Jefferson00000
Jersey00100
Jo Daviess00000
Johnson00000
Kane11200
Kankakee10000
Kendall00000
Knox00100
La Salle00001
Lake12102
Lawrence00001
Lee00010
Livingston01000
Logan00000
Macon10000
Macoupin00000
Madison21001
Marion00000
Marshall00000
Mason00000
Massac00000
Mcdonough00000
Mchenry00101
Mclean01001
Menard00000
Mercer00000
Monroe00000
Montgomery00000
Morgan00000
Moultrie00000
Ogle00000
Peoria01000
Perry00000
Piatt00001
Pike00000
Pope00000
Pulaski00000
Putnam00000
Randolph00000
Richland00000
Rock Island10001
Saline10000
Sangamon00000
Schuyler00001
Scott00000
Shelby00000
St. Clair20200
Stark00000
Stephenson00000
Tazewell01000
Union00000
Vermilion00000
Wabash00000
Warren00000
Washington00001
Wayne00000
White00000
Whiteside00000
Will02100
Williamson00001
Winnebago20011
Woodford00000

These numbers look grim for Cook County but they should stand as a reminder to always drive defensively, keep your hands on the wheel and eyes on the road, always designate a driver, and slow down.

Knowing which types of roadways in Illinois report the most fatalities could also save a life. Take a look at the data provided by NHTSA below.

CHICAGO ROAD TYPEFATAL CRASHES
Rural53
Urban87
Freeway and Expressway10
Other277
Minor Arterial257
Collector Arterial217
Local98
Unknown6
Total Fatal Crashes1,005

As you can see, the two types of roadways statewide that saw the most fatalities were minor arterials and collector arterials.

It doesn’t matter which type of roadway you are traveling on. Paying attention and driving responsible could not just save you money on car insurance; it could save a life.

The Illinois Commerce Commission also noted that 333 million vehicles cross railroad tracks and that 271 people lost their lives to collisions with trains just in 2018.

It also takes 18 football fields for a freight train traveling at 55 MPH to come to a stop so keep that in mind the next time you think it is a good idea to race the train.

The Illinois Commerce Commission also noted that just in Illinois in 2018:

There were 109 collisions at highway-rail crossings that resulted in 17 people losing their lives.

This is why it is always a good idea to pay attention, look, and listen before crossing railroad tracks.

– Allstate America’s Best Driver’s Report

Not all drivers in the Chicago metro area are bad. In fact, the Windy City ranks as the 133rd safest driving city in 2019 according to Allstate America’s Best Driver’s Report.

On average, Chicago drivers usually go 8.3 years between filing car insurance claims, and they encounter a hard braking incident approximately every 28,8 miles.

With so many people in such a condensed area, this really isn’t too bad.

You can reduce the possibility of a hard-braking incident, and possible rear-end collision, by keeping your eyes on the road at all times.

– Ridesharing

Sometimes it is best just to leave the driving to professionals. When this occurs you may find yourself in need of a rideshare company or taxi cab.

There are several options to choose from in Chi-town too according to Ride Guru.

Some of the companies operating in the Windy City include:

  • Arro
  • Blacklane
  • Carmel
  • Curb
  • Lyft
  • Uber
  • and the conventional Taxi services

If you are looking to become a rideshare driver in Chicago you should be aware that you will need to notify your car insurance provider of your intentions to use your car as a rideshare vehicle.

Your provider can talk you through the endorsements that you might need or how to purchase rideshare coverage that can protect both you and your passengers in the event of an accident.

– EStar Repair Shops

Owning a car means keeping it in good mechanical working order. It also means wanting quick and quality repairs should you ever find yourself involved in a car accident.

Choosing an EStar Repair Shop to handle this can help you kill both of these birds with one stone.

So how does EStar work?

First, you and your representative will choose the nearest EStar shop and then the two of you will work together to get things done with as little pain as possible for you.

Here are a few EStar Shops closest to the city center.

SHOP NAMEADDRESSCONTACT INFO
PAUL RIES & SONS3940 W ARMITAGE AVE
CHICAGO IL 60647

email: mgallik@paulries.com
P: (773) 227-8300
F: (773) 227-8544
B&L AUTOMOTIVE REPAIR, INC._CF
3830 N KEDZIE AVE
CHICAGO IL 60618
email: Kim@bandlautomotive.com
P: (773) 463-1622
F: (773) 463-0920
PAUL RIES AND SONS - II
2233 WEST GRAND
CHICAGO IL 60612
P: (312) 637-6740
ERIE - LASALLE BODY SHOP - ERIE
42
1005 W HURON
STREET
CHICAGO IL 606

email: erielasalle@att.net
P: (312) 337-3903
F: (312) 337-7486
GERBER - CHICAGO/ELSTON AVE.
4545 N ELSTON AVE
CHICAGO IL 60630
email: gerberilaudits@gerbercollision.com
P: (773) 725-7200
F: (773) 725-4829

ERIE - LASALLE BODY SHOP - KEDZIE
2440 S. KEDZIE
CHICAGO IL 60623

P: (773) 762-5571
TOM AND JERRY'S AUTOBODY_CF
5644 N NORTHWEST HWY
CHICAGO IL 60646
email: tomandjerrysauto@sbcglobal.net
P: (773) 775-6767
F: (773) 775-5901
FIX AUTO SKOKIE
8015 N LAWNDALE
SKOKIE IL 60076
email: skokieclaims@fixautousa.com
P: (847) 676-0420
SERVICE KING MORTON GROVE
5940 OAKTON STREET
MORTON GROVE IL 60053
email: ccc@serviceking.com
P: (847) 965-2205
CARSTAR SCOLAS COLLISION CENTER
9110 OGDEN AVE
BROOKFIELD IL 60513
email: tdscola@yahoo.com
P: (708) 485-7600

Didn’t see one nearby? Just use the handy EStar locator Tool.

– Weather

Chicago winters can be rough on your car. They can also make roadways a dangerous place to be when conditions deteriorate.

The Chicago metro area receives 39.04 inches of precipitation annually according to U.S. Climate Data. That amounts to 119 days a year with some type of moisture on the road.

The average annual temperature in the WIndy City hovers around 59 degrees as well.

Chi-town is no stranger to natural disasters either according to City-Data.com. In fact, Cook County has seen 19 natural disasters in its history which is higher than the national average of 13.

Most of these disasters are the result of floods and storms.  Living along one of the Great Lakes though this is par for the course.

Should Mother Nature turn nasty and your car become damaged having comprehensive coverage ahead of time could minimize the impact to your wallet.

– Public Transit

If your car is ever in the shop you might find yourself in need of public transit. Should that ever be the case it is nice to know that the Chicago Transit Authority has provided you with lots of options for getting around.

Fares are pretty reasonable too, and there are discounts available in some cases. A ride on the ‘L’ train will cost the average Joe $2.50 and hopping on the bus is just $2.25.

You can also purchase a 1-Day CTA PAss for $10 and see the city for one great price. Trips to and from O’Hara may cost you a bit more though so be sure to plan ahead.

– Alternate Transportation

Chicago’s world-famous ‘L’ Train and the many bus routes provided by CTA are not the only way to get around in the Windy City.

Residents of Chi-town can also rent a bike or scooter from many of the public and private business operating within the city limits.

According to CBS Chicago, some of these options include:

  • Lakeshore Bike
  • Bobby’s Bike Hike
  • Bike and Roll Chicago
  • and Divvy Bikes

No matter which one you choose you are sure to have a great time in Chicago.

– Parking in Metro Areas

Given the amount of rainfall in Chicago biking may not always be the best option for tooling around town.

Wet weather can also make navigating the CTA system a bit of a struggle. When this happens it is nice to just hop in your car and head downtown.

Parking can be a bit of a challenge on occasion, but sites like Parkopedia can help you find a spot closest to your destination for as little as $10 for reserve parking or as much as $46 depending.

Parking near Wabash St. on the South Loop? There are spots nearby for as little as $8 for two hours.

– Air Quality in Chicago

All of the public transit vehicles, business traffic, and private passenger cars on the roads in Chicago can really make it hard to breathe on some days.

Take a look at the three-year air quality trends for the Chicago-Naperville-Elgin area according to the EPA.

Chicago-Naperville-Elgin201620172018
Good Days151157117
Moderate Days187183222
Days Unhealthy for Sensitive Groups232320
Days Unhealthy426
Days Very Unhealthy1

Even though global warming has serious consequences for future generations sometimes you just have to drive. There are ways that you can help reduce your carbon footprint though even if it is not by reducing your commute.

Some of these things include:

  • Using energy-efficient light bulbs
  • Recycling more
  • Maintaining proper tire pressure
  • Driving less
  • Planting a tree
  • Pumping gas at the cooler part of the day

You can also look into purchasing a hybrid or electric model vehicle which will not only reduce your carbon footprint; it could also save you some money on car insurance.

Military Members and Veterans

Hybrid and electric cars are a nice investment, but they aren’t the only way to get a discount on your car insurance policy. You could be eligible for a nice discount if you are an active-duty military member or veteran as well.

This is good news if you are one of the 75,405 veterans that call Chicago home according to the U.S. Census BureauData USA also reports that most of these veterans are from the Vietnam war.

Chicago veterans

The Windy City is also home to the Great Lakes Training Center Naval Base in North Chicago which means that plenty of active-duty military members and their families call this area their home as well.

Active-duty members and veterans deserve to be rewarded for your service so if this includes you then be sure to ask your car insurance agent about any military discounts that you might qualify for.

Some of the providers in your area that offer these types of discounts include:

  • Allstate
  • Farmers
  • Geico
  • Liberty Mutual
  • MetLife
  • Safeco
  • USAA

Not all benefits are offered to both active military and veterans alike from these providers. The discount amounts can also vary so be sure to ask your agent for the specifics.

Unique City Laws

Chicago has its own unique personality and it really shows in some of its laws. For instance. it is against the law to fire a cannon without permission in the city limits.

No shows are allowed to be put on from windows either so if you are looking to put on a show it might be better to shuffle it down to one of Chicago’s historical theaters.

Like most major cities, Chicago is also a hand-free city. The law states that you must also yield to pedestrians and change lanes whenever possible in a construction zone to give workers some room.

TripSavvy also notes that if you are going to merge onto the freeway or expressway you should do it with intention.

You should also make your intentions know to your car insurance company if you intend to use your personal vehicle as a food-truck.

Tiny houses also have specific insurance requirements in Illinois so you should check with your agent to see if you simply need RV insurance or something more depending on where you are going to park your home.

Chicago Car Insurance FAQs

Whether you have lived in Chicago all of your life or you are looking to make the Windy City your new home we all have questions. Here are some of the most frequently asked ones when it comes to living, working, and driving in Chi-town.

– What school district do I live in?

Settling the kids into a new school can be tough after a move. The Chicago Public School system has made it a little bit easier for you though by providing you with an easy to use district locator tool on their website. Just type your school name, address, or zip code in and hit go.

– How do I find the closest CTA stop to my house?

The Chicago Transit Authority (CTA) has maps of its entire system provided free of charge on their website that make finding the nearest stop to you as easy as a click of a button.

– How do I get to the Airport?

Chicago has five major airports that service the areas surrounding the Windy City, and several smaller airfields. Not sure which one you need or how to get there? SkyScanner can help. This site has hyperlinks from its hub =page that allow you to scan each airport for its location and the types of flights that it services.

– Where is the nearest library?

The Chicago Public Library system has more locations than you could possibly ever need. Just visit their website, look through their database, or skim the map in order to find the one that is most convenient for you to visit.

– What are the minimum requirements for insurance coverage in the state of Illinois?

The state of Illinois has the following minimum coverage requirements:

  • $20,000 bodily injury per person per accident
  • $40,000 bodily injury for all persons per accident
  • $15,000 property damage liability
  • $20,000/$40,000 uninsured motorist bodily injury
  • $25,000/$50,000 underinsured motorist coverage
  • $15,000 with $250 deductible uninsured motorist property damage

– Who do I contact to get my utilities turned on or transferred?

The City of Chicago has gathered all the information you need to turn your utilities off and on or simply have them transferred in one easy to navigate spot on their website. If you still have more questions after a visit there you can check out these links to find out more:

– Should I purchase extra coverage for my antique or classic car?

The decision to purchase extra insurance coverage is a personal one. If you live in a high crime area then comprehensive coverage might be a good idea. If your neighborhood has low crime statistics but is notoriously bad for a specific type of car accidnet then collision coverage could be right for you.

Taking the time to read through all of the information that we have provided for you above can help you make a wise investment in your car insurance policy.

– What are the minimum requirements to operate a food truck in Chicago?

Food trucks in the Windy City require their operators to have a license. Those who use propane or gas also require specific types of insurance to protect themselves and their clients in case of an accident. In order to ensure that you have all your papers and insurance requirements in order you should check with your car insurance agent and let them point you in the right direction.

– Do I need special insurance to drive for a rideshare company?

If you want to drive for a rideshare company you should definitely talk to your car insurance company first. After that, you should check with the rideshare company to see what their insurance coverage requirements are.

Once you know what the rideshare company can offer you in the way of coverage you will be better informed to speak with your agent again and purchase the right amount of coverage to cover you and your passengers in case of an accident.

Now that you have the basics down its time to put your knowledge to the test as you head out into the car insurance market in search of the best deal.. If you get lost along the way or just have more questions stop back by or enter your zip code below to get started.

References:

  1. https://travel.usnews.com/Chicago_IL/Things_To_Do/
  2. https://navypier.org/
  3. https://www.fieldmuseum.org/
  4. https://www.chicagotribune.com/travel/ct-trav-chicago-tourism-record-numbers-2018-0111-story.html
  5. https://www.chicago.gov/city/en/about/facts.html
  6. http://www.idot.illinois.gov/Assets/uploads/files/Transportation-System/Resources/Safety/Crash-Reports/crash-facts/2017%20Crash%20Facts.pdf
  7. https://consumerfed.org/press_release/large-auto-insurers-charge-40-60-year-old-women-higher-rates-men-often-100-per-year/
  8. https://www.orbitz.com/blog/2017/06/18-neighborhoods-chicago-americas-dream-city/
  9. https://www.wirtzresidential.com/lakeview-neighborhood-guide/
  10. https://lakevieweast.com/
  11. http://www.encyclopedia.chicagohistory.org/pages/765.html
  12. http://www.encyclopedia.chicagohistory.org/pages/100.html
  13. http://www.encyclopedia.chicagohistory.org/pages/1337.html
  14. https://www.fhwa.dot.gov/policyinformation/statistics/2014/dl201.cfm
  15. https://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm
  16. https://www.equifax.com/personal/education/credit/report/how-to-get-your-free-credit-report/
  17. https://www.transunion.com/annual-credit-report
  18. https://www.experian.com/consumer-products/free-credit-report-a.html?pc=ref_exp_www.autoinsurance.org
  19. https://www.ilsos.gov/drivingrecord/
  20. https://www.brookings.edu/interactives/metro-monitor-2017-dashboard/#V1G15980
  21. https://datausa.io/profile/geo/chicago-il
  22. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
  23. https://datausa.io/profile/geo/chicago-il#housing
  24. http://money.com/money/4212466/car-insurance-more-for-renters-than-homeowners/
  25. https://consumerfed.org/press_release/good-drivers-pay-more-for-basic-auto-insurance-if-they-rent-rather-than-own-their-home/
  26. https://consumerfed.org/press_release/major-auto-insurers-charge-higher-rates-to-high-school-graduates-and-blue-collar-workers/
  27. https://datausa.io/profile/geo/chicago-il#education
  28. https://datausa.io/profile/geo/chicago-il#economy
  29. https://datausa.io/profile/geo/chicago-il#category_occupations
  30. https://www.propublica.org/article/minority-neighborhoods-higher-car-insurance-premiums-white-areas-same-risk
  31. https://www.moneycrashers.com/factors-affect-car-insurance-rates/
  32. https://www.chicagoparkdistrict.com/parks-facilities/clarence-f-buckingham-memorial-fountain
  33. http://www.architecture.org/learn/resources/buildings-of-chicago/building/chicago-water-tower/
  34. https://www.livescience.com/32011-lake-michigan.html
  35. https://www.travelmidwest.com/lmiga/namesNumbers.jsp
  36. https://www.illinoistollway.com/tolling-information
  37. https://www.illinoistollway.com/tolling-information/about-ipass
  38. https://vacationidea.com/getaways/best-day-trips-from-chicago.html
  39. https://www.naperville.il.us/
  40. https://www.sixflags.com/greatamerica
  41. https://webapps1.chicago.gov/traffic/
  42. http://www.tripnet.org/docs/Urban_Roads_TRIP_Report_Appendices_October_2018.pdf
  43. https://www.chicago.gov/city/en/depts/cdot/supp_info/red-light_cameraenforcement.html#targetText=Yes%2C%20signs%20are%20posted%20at,ILCS%205%2F11%2D208.6.
  44. https://www.iihs.org/topics/red-light-running
  45. https://www.chicagotribune.com/autos/ct-american-car-culture-hits-skids-with-millennials-20150911-story.html
  46. https://www.chicagoautoshow.com/default.html
  47. https://www.drivechicago.com/carshows
  48. https://www.yourmechanic.com/article/the-most-popular-cars-in-american-cities
  49. https://www.officialdata.org/cars/Chevrolet/Monte%20Carlo
  50. https://www.nhtsa.gov/vehicle/2004/CHEVROLET/MONTE%20CARLO
  51. https://www.governing.com/gov-data/car-ownership-numbers-of-vehicles-by-city-map.html
  52. https://data.cityofchicago.org/Transportation/Speed-Camera-Locations/4i42-qv3h
  53. https://www.chicagotribune.com/news/ct-biz-speed-cameras-20180703-story.html
  54. https://www.chicago.gov/city/en/depts/cdot/supp_info/children_s_safetyzoneporgramautomaticspeedenforcement.html
  55. https://home.chicagopolice.org/category/crime-statistics/
  56. https://www.neighborhoodscout.com/il/chicago/crime
  57. http://inrix.com/scorecard/
  58. https://www.fhwa.dot.gov/policyinformation/tables/01.pdf
  59. https://cdan.nhtsa.gov/stsi.htm#
  60. https://www-fars.nhtsa.dot.gov/States/StatesCrashesAndAllVictims.aspx
  61. https://www.icc.illinois.gov/rail-safety/illinois-operation-lifesaver
  62. https://www.allstate.com/americas-best-drivers/index.htm
  63. https://ride.guru/cities/chicago-illinois-united-states-of-america
  64. https://www.esurance.com/info/car/e-star-direct-repair-program
  65. https://www.esurance.com/e-star-repair-shop-locator
  66. https://www.usclimatedata.com/climate/chicago/illinois/united-states/usil2527
  67. http://www.city-data.com/city/Chicago-Illinois.html
  68. https://www.transitchicago.com/
  69. https://www.transitchicago.com/fares/
  70. https://chicago.cbslocal.com/top-lists/best-bike-rentals-in-chicago/
  71. https://en.parkopedia.com/parking/chicago/?arriving=201908291630&leaving=201908291830
  72. https://www.epa.gov/outdoor-air-quality-data/air-quality-index-report
  73. https://www.nrdc.org/stories/global-warming-101
  74. https://timeforchange.org/what-is-a-carbon-footprint-definition
  75. https://www.census.gov/quickfacts/chicagocityillinois
  76. https://militarybases.com/illinois/
  77. http://interactive.wbez.org/curiouscity/odd-chicago-laws/
  78. https://www.choosechicago.com/things-to-do/museums-and-arts/theater-and-performing-arts/the-stories-behind-6-historic-chicago-theaters/
  79. https://www.tripsavvy.com/driving-in-chicago-what-you-need-to-know-4175905
  80. https://www.chicagobusiness.com/article/20130810/ISSUE02/308109999/what-you-need-to-know-about-running-a-food-truck-in-chicago
  81. https://cps.edu/ScriptLibrary/Map-SchoolLocator/index.html
  82. https://www.transitchicago.com/maps/
  83. https://www.skyscanner.com/airports/chia/chicago-airports.html
  84. https://chipublib.bibliocommons.com/locations
  85. https://www.chicago.gov/city/en/depts/oem/supp_info/alertready/utilities.html
  86. https://www.comed.com/Pages/default.aspx
  87. https://accel.peoplesgasdelivery.com/home/safety.aspx
  88. https://www.chicago.gov/city/en/depts/water.html
  89. https://www.chicago.gov/city/en/depts/bacp/supp_info/mobile_food_vendorlicenses.html
  90. https://www.chicago.gov/content/dam/city/depts/bacp/general/MFV-Insurance_Certificate_SAMPLE-V.09.02.14.pdf

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]