Compare Chicago, IL Car Insurance Rates (2021)

Car insurance in Chicago, IL averages $378 a month. Chicago, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Chicago car insurance rates, compare quotes from the top car insurance companies in Chicago, IL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Chicago is 60657
  • Average car insurance rates in Chicago, IL after a DUI are $5,340/year
  • The cheapest car insurance company in Chicago is Liberty Mutual

If you need to buy Chicago, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Chicago, IL is right here.

You’ll find Chicago car insurance rates, the cheapest Chicago, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Chicago, Illinois car insurance rates to Peoria car insurance rates, Champaign car insurance rates, and Springfield car insurance rates.

Ready to find affordable Chicago, IL car insurance today? Enter your ZIP code for fast, free Chicago car insurance quotes.

Cheapest Chicago, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Chicago, IL car insurance rates? Every Chicago, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Chicago, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,334 $4,352 $4,541 $4,541 $11,232 $14,601 $5,208 $5,625
American Family $3,146 $3,146 $2,885 $2,885 $8,975 $12,401 $3,146 $4,061
Farmers $3,388 $3,382 $3,005 $3,196 $14,813 $15,389 $3,859 $4,010
GEICO $2,322 $2,386 $2,260 $2,521 $8,441 $8,810 $2,693 $2,820
Liberty Mutual $1,730 $1,870 $1,446 $1,621 $5,832 $6,480 $1,795 $1,880
Nationwide $3,468 $3,526 $3,079 $3,262 $9,763 $12,531 $4,062 $4,401
Progressive $2,708 $2,546 $2,237 $2,349 $9,988 $11,206 $3,228 $3,488
State Farm $1,985 $1,985 $1,795 $1,795 $6,257 $7,887 $2,248 $2,602
Travelers $2,097 $2,214 $1,930 $2,059 $6,437 $8,162 $2,226 $2,347
USAA $1,906 $1,929 $1,771 $1,733 $6,350 $6,988 $2,518 $2,753

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Minimum Car Insurance in Chicago, IL

Every driver must carry the minimum car insurance in Chicago, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car Insurance Coverage in Chicago, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Chicago, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Chicago, IL. Compare credit history car insurance rates in Chicago from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Chicago, Illinois

Insurance Company Poor Fair Good
Allstate $8,679 $6,251 $5,482
American Family $6,745 $4,601 $3,895
Farmers $7,257 $6,092 $5,792
GEICO $6,513 $3,146 $2,436
Liberty Mutual $4,020 $2,497 $1,979
Nationwide $6,621 $5,303 $4,610
Progressive $5,370 $4,563 $4,223
State Farm $4,816 $2,893 $2,248
Travelers $4,178 $3,386 $2,738
USAA $4,314 $2,969 $2,448

Cheapest Chicago, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Chicago, IL to rates for a clean record with top companies.

Annual Chicago, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,847 $8,304 $7,674 $6,391
American Family $3,751 $5,257 $7,062 $4,252
Farmers $5,380 $6,955 $6,784 $6,402
GEICO $2,702 $4,290 $5,952 $3,182
Liberty Mutual $2,349 $3,360 $2,942 $2,676
Nationwide $4,427 $5,751 $6,771 $5,097
Progressive $3,875 $5,792 $4,300 $4,908
State Farm $3,015 $3,623 $3,319 $3,319
Travelers $2,710 $3,582 $4,023 $3,421
USAA $2,298 $3,329 $4,569 $2,778

Cheapest Chicago, IL Car Insurance for Teen Drivers

Teen car insurance in Chicago, IL can be expensive. Take a look at rates from the top car insurance companies in Chicago for teenagers.

Annual Car Insurance Rates for Teen Drivers in Chicago, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,232 $14,601
American Family $8,975 $12,401
Farmers $14,813 $15,389
GEICO $8,441 $8,810
Liberty Mutual $5,832 $6,480
Nationwide $9,763 $12,531
Progressive $9,988 $11,206
State Farm $6,257 $7,887
Travelers $6,437 $8,162
USAA $6,350 $6,988

Cheapest Chicago, IL Car Insurance for Seniors

Take a look at Chicago, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Chicago, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,541 $4,541
American Family $2,885 $2,885
Farmers $3,005 $3,196
GEICO $2,260 $2,521
Liberty Mutual $1,446 $1,621
Nationwide $3,079 $3,262
Progressive $2,237 $2,349
State Farm $1,795 $1,795
Travelers $1,930 $2,059
USAA $1,771 $1,733

Cheapest Chicago, IL Car Insurance Rates After a DUI

A DUI in Chicago, IL increases car insurance rates. Compare Chicago, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Chicago, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,674
American Family $7,062
Farmers $6,784
GEICO $5,952
Liberty Mutual $2,942
Nationwide $6,771
Progressive $4,300
State Farm $3,319
Travelers $4,023
USAA $4,569

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Cheapest Chicago, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Chicago, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Chicago, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,804 $6,804
American Family $5,016 $5,145
Farmers $6,380 $6,380
GEICO $3,961 $4,103
Liberty Mutual $2,832 $2,832
Nationwide $5,512 $5,512
Progressive $4,719 $4,719
State Farm $3,238 $3,400
Travelers $3,296 $3,572
USAA $3,152 $3,335

Cheapest Chicago, IL Car Insurance Rates by ZIP Code

Chicago car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Chicago, IL.

Annual Car Insurance Rates by ZIP Code in Chicago, Illinois

ZIP Code Average Annual Rates
60601 $3,853
60602 $3,867
60603 $4,006
60604 $3,992
60605 $3,976
60606 $3,901
60607 $4,264
60608 $4,656
60609 $4,881
60610 $3,938
60611 $3,885
60612 $4,821
60613 $4,056
60614 $3,838
60615 $4,456
60616 $4,509
60617 $4,751
60618 $4,263
60619 $5,005
60620 $5,107
60621 $5,252
60622 $4,330
60623 $5,320
60624 $5,308
60625 $4,341
60626 $4,446
60628 $4,963
60629 $4,910
60630 $4,349
60631 $4,145
60632 $4,807
60633 $4,587
60634 $4,478
60636 $5,370
60637 $4,979
60638 $4,606
60639 $5,011
60640 $4,200
60641 $4,599
60642 $4,365
60643 $4,566
60644 $5,296
60645 $4,468
60646 $4,278
60647 $4,353
60649 $5,113
60651 $5,302
60652 $4,665
60653 $4,900
60654 $3,926
60655 $4,371
60656 $4,184
60657 $3,813
60659 $4,542
60660 $4,329
60661 $3,863
60699 $4,113
60701 $4,320
60707 $4,572

The Best Cheap Car Insurance Companies in Chicago, IL

Take a look at a side-by-side comparison of the top car insurance companies in Chicago, IL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Chicago, Illinois

Insurance Company Average Annual Rates
Allstate $6,804
American Family $5,081
Farmers $6,380
GEICO $4,032
Liberty Mutual $2,832
Nationwide $5,512
Progressive $4,719
State Farm $3,319
Travelers $3,434
USAA $3,244

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Category Winners: Cheapest Car Insurance in Chicago, Illinois

Find the cheapest car insurance companies in Chicago, IL for each category right here.

Best Annual Car Insurance Rates by Company in Chicago, Illinois

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

Cheapest Chicago, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Chicago car insurance rates. Find the cheapest Chicago, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Chicago, Illinois

Insurance Company Low Medium High
Allstate $6,555 $6,794 $7,063
American Family $4,891 $5,266 $5,085
Farmers $6,039 $6,220 $6,881
GEICO $3,664 $4,022 $4,409
Liberty Mutual $2,650 $2,824 $3,022
Nationwide $5,440 $5,558 $5,536
Progressive $4,324 $4,695 $5,138
State Farm $3,124 $3,323 $3,510
Travelers $3,193 $3,429 $3,680
USAA $3,027 $3,241 $3,462

What affects car insurance rates in Chicago, Illinois?

What factors can have an impact on Chicago, IL car insurance? There are several reasons why Chicago car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Chicago, Illinois.

Commute Time in Chicago

The more time you spend in your car the higher the risk of an accident. The average commute length in Chicago, IL is 24.2 minutes according to City-Data.

Traffic in Chicago

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Chicago, IL traffic data from INRIX ranks Chicago as the 7th-most congested in the world.

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Compare Car Insurance Quotes in Chicago, IL

Ready to find affordable Chicago, Illinois car insurance today? Enter your ZIP code for fast, free Chicago, IL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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