Compare North Chicago, IL Car Insurance Rates (2021)

Car insurance in North Chicago, IL averages $297 a month. North Chicago, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap North Chicago car insurance rates, compare quotes from the top car insurance companies in North 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® Joel Ohman

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in North Chicago is Liberty Mutual
  • The cheapest car insurance company in North Chicago for teen drivers is Liberty Mutual
  • Average car insurance rates in North Chicago, IL are $3,564/year

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

You’ll find North Chicago car insurance rates, the cheapest North Chicago, IL car insurance companies, and information on Illinois car insurance laws. You can also compare North Chicago, Illinois car insurance rates to Chicago car insurance rates, Naperville car insurance rates, and Rockford car insurance rates.

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

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

How do age, gender, and marital status affect North Chicago, IL car insurance rates? Every North 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 North 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 $3,808 $3,825 $3,997 $3,997 $9,980 $12,918 $4,576 $4,940
American Family $2,495 $2,495 $2,292 $2,292 $7,227 $9,959 $2,495 $3,230
Farmers $2,860 $2,863 $2,525 $2,683 $12,951 $13,532 $3,269 $3,402
GEICO $1,797 $1,854 $1,761 $1,979 $6,504 $6,751 $2,101 $2,181
Liberty Mutual $1,347 $1,450 $1,116 $1,245 $4,688 $5,210 $1,408 $1,483
Nationwide $1,907 $1,932 $1,703 $1,795 $5,303 $6,767 $2,229 $2,405
Progressive $2,071 $1,936 $1,713 $1,800 $7,870 $8,825 $2,457 $2,654
State Farm $1,657 $1,657 $1,499 $1,499 $5,271 $6,642 $1,879 $2,180
Travelers $1,640 $1,727 $1,529 $1,627 $5,090 $6,488 $1,730 $1,820
USAA $1,495 $1,513 $1,401 $1,376 $4,960 $5,437 $1,971 $2,150

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Minimum Car Insurance in North Chicago, IL

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

Minimum Required Car Insurance Coverage in North 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 North Chicago, IL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in North Chicago, Illinois

Insurance Company Poor Fair Good
Allstate $7,656 $5,518 $4,841
American Family $5,386 $3,680 $3,116
Farmers $6,242 $5,275 $5,016
GEICO $5,014 $2,438 $1,896
Liberty Mutual $3,165 $1,986 $1,579
Nationwide $3,581 $2,900 $2,535
Progressive $4,161 $3,550 $3,287
State Farm $4,047 $2,426 $1,884
Travelers $3,283 $2,675 $2,161
USAA $3,358 $2,328 $1,928

Cheapest North 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 North Chicago, IL to rates for a clean record with top companies.

Annual North Chicago, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,236 $7,360 $6,795 $5,629
American Family $2,986 $4,228 $5,642 $3,386
Farmers $4,648 $6,013 $5,864 $5,518
GEICO $2,103 $3,229 $4,663 $2,469
Liberty Mutual $1,864 $2,659 $2,331 $2,119
Nationwide $2,432 $3,132 $3,671 $2,785
Progressive $3,010 $4,511 $3,343 $3,800
State Farm $2,528 $3,043 $2,785 $2,785
Travelers $2,140 $2,823 $3,171 $2,691
USAA $1,802 $2,610 $3,566 $2,174

Cheapest North Chicago, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in North Chicago, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,980 $12,918
American Family $7,227 $9,959
Farmers $12,951 $13,532
GEICO $6,504 $6,751
Liberty Mutual $4,688 $5,210
Nationwide $5,303 $6,767
Progressive $7,870 $8,825
State Farm $5,271 $6,642
Travelers $5,090 $6,488
USAA $4,960 $5,437

Cheapest North Chicago, IL Car Insurance for Seniors

Take a look at North 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 North Chicago, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,997 $3,997
American Family $2,292 $2,292
Farmers $2,525 $2,683
GEICO $1,761 $1,979
Liberty Mutual $1,116 $1,245
Nationwide $1,703 $1,795
Progressive $1,713 $1,800
State Farm $1,499 $1,499
Travelers $1,529 $1,627
USAA $1,401 $1,376

Cheapest North Chicago, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in North Chicago, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,795
American Family $5,642
Farmers $5,864
GEICO $4,663
Liberty Mutual $2,331
Nationwide $3,671
Progressive $3,343
State Farm $2,785
Travelers $3,171
USAA $3,566

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Cheapest North Chicago, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in North 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 North Chicago, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,005 $6,005
American Family $4,009 $4,112
Farmers $5,511 $5,511
GEICO $3,063 $3,169
Liberty Mutual $2,243 $2,243
Nationwide $3,005 $3,005
Progressive $3,666 $3,666
State Farm $2,717 $2,853
Travelers $2,600 $2,813
USAA $2,467 $2,609

The Best Cheap Car Insurance Companies in North Chicago, IL

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

Average Annual Car Insurance Rates by Company in North Chicago, Illinois

Insurance Company Average Annual Rates
Allstate $6,005
American Family $4,061
Farmers $5,511
GEICO $3,116
Liberty Mutual $2,243
Nationwide $3,005
Progressive $3,666
State Farm $2,785
Travelers $2,706
USAA $2,538

Category Winners: Cheapest Car Insurance in North Chicago, Illinois

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

Best Annual Car Insurance Rates by Company in North 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

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Cheapest North Chicago, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in North Chicago, Illinois

Insurance Company Low Medium High
Allstate $5,768 $5,997 $6,250
American Family $3,893 $4,210 $4,078
Farmers $5,203 $5,357 $5,972
GEICO $2,822 $3,110 $3,417
Liberty Mutual $2,121 $2,239 $2,369
Nationwide $2,938 $3,038 $3,039
Progressive $3,293 $3,654 $4,051
State Farm $2,625 $2,789 $2,942
Travelers $2,508 $2,702 $2,909
USAA $2,331 $2,534 $2,749

What affects car insurance rates in North Chicago, Illinois?

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

Commute Time in North Chicago

The more time you spend in your car the higher the risk of an accident. The average commute length in North Chicago, IL is 17.7 minutes according to City-Data.

Traffic in North Chicago

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. North Chicago, IL traffic data from INRIX ranks North Chicago as the 816th-most congested in the world.

Compare Car Insurance Quotes in North Chicago, IL

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