Best Chicago, IL Car Insurance in 2024 (Find the Top 10 Companies Here!)
Progressive, Geico, and State Farm stand out as the best Chicago, IL car insurance, featuring rates starting at just $80 per month. These insurance providers deliver affordable yet inclusive coverage, making them perfect for those in search of discounts and reliable protection tailored to their driving needs.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Apr 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage in Chicago IL
A.M. Best Rating
Complaint Level
Company Facts
Full Coverage in Chicago IL
A.M. Best Rating
Complaint Level
Company Facts
Full Coverage in Chicago IL
A.M. Best Rating
Complaint Level
Pros & Cons
- Progressive offers competitive rates, starting at $80 per month
- Safe driving and defensive vehicles can reduce costs with best car insurers
- Tailored options and discounts guarantee the best car insurance in Chicago, IL
#1 – Progressive: Top Overall Pick
Pros
- Customized Policies: In our Progressive car insurance review, customized coverage options cater to cars.
- Robust Rates: Progressive provides affordable pricing.
- Price Reduction: Progressive offers various discount opportunities, including those specific to cars.
Cons
- Claims Handling: People may experience delays or complications in the claims process.
- Limited Discounts: Progressive may not offer as many discounts as some competitors.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
#2 – Geico: Best for Competitive Rates
Pros
- Innovative Coverage Options: Geico offers unique coverage options, such as Accident Forgiveness and Deductible Rewards, providing added value.
- User-friendly Technology: With intuitive mobile apps and online tools, Geico makes it easy for customers to manage policies and claims.
- Strong Financial Stability: Geico’s robust financial standing ensures policyholders have a reliable and stable insurance provider.
Cons
- Potentially Higher Premiums: Some customers may find Geico’s premiums slightly higher compared to other insurers.
- Mixed Customer Service Reviews: While many customers have positive experiences, some reports in our Geico insurance review, challenges with claims processing.
#3 – State Farm: Best for Multi-Policy Discounts
Pros
- Discount Opportunities: State Farm presents various discount options.
- Financial Stability: State Farm is supported by a financially secure company.
- Exceptional Customer Service: State Farm is renowned for its responsive and user-friendly service.
Cons
- Coverage Constraints: Driving needs may not be eligible for policy add-ons. Find out more in our State Farm car insurance review.
- Claims Process: People may encounter delays or complications when processing claims.
#4 – Allstate: Best for Comprehensive Policies
Pros
- Discount Prospects: Allstate provides tailored discount options for people.
- Financial Stability: Allstate is supported by a financially stable corporation.
- Excellent Customer Service: Allstate is renowned for its prompt and easily accessible service.
Cons
- Coverage Limitations: Certain additional policy features might not completely meet the needs of people. Use our Allstate car insurance review as your guide.
- Claims Handling: People may encounter delays or challenges during the claims procedure.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
#5 – Liberty Mutual: Best for Extensive Coverage
Pros
- Tailored Policies: Liberty Mutual offers customized coverage options for car insurances.
- Competitive Prices: Liberty Mutual provides affordable rates.
- Exceptional Customer Service: Liberty Mutual is widely recognized for its prompt and easy-to-use service.
Cons
- Restricted Membership: Liberty Mutual membership is limited to military members, veterans, and their families.
- Limited Availability: Liberty Mutual’s availability may vary by location. Check other details through our Liberty Mutual car insurance review.
#6 – Farmers: Best for Specialized Coverage
Pros
- Personalized Coverage: Farmers, as mentioned in our Farmers car insurance review, tailors to peoples’ needs.
- Cost-effective Premiums: Farmers offers affordable car insurance.
- Discount Availability: Farmers provides various offers, including those for car insurances.
Cons
- Limited Availability: Farmers mainly functions via local agents, potentially inaccessible in some regions.
- Policy Limitations: Specific additional coverage options may not completely meet requirements.
#7 – American Family: Best for Personalized Policies
Pros
- Innovative Coverage Options: American Family offers unique coverage options, such as Accident Forgiveness and Deductible Rewards, providing added value.
- User-friendly Technology: With intuitive mobile apps and online tools, American Family makes it easy for customers to manage policies and claims.
- Strong Financial Stability: American Family’s robust financial standing ensures policyholders have a reliable and stable insurance provider.
Cons
- Potentially Higher Premiums: Some customers may find American Family’s premiums slightly higher compared to other insurers.
- Mixed Customer Service Reviews: While many customers have positive experiences, some reports in our American Family insurance review, challenges with claims processing.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
#8 – Travelers: Best for Customized Policies
Pros
- Competitive Rates: Our Travelers car insurance review reveals competitive rates that are budget-friendly.
- Comprehensive Coverage Options: Travelers provides customizable policies.
- Discounts: Travelers offers various discounts, including those tailored for cars.
Cons
- Limited Local Agents: Travelers operates primarily online and over the phone.
- Coverage Limitations: Some policy add-ons may not fully meet cars’ needs.
#9 – Nationwide: Best for Customer Service
Pros
- Wide Range of Coverage Options: Nationwide offers a comprehensive selection of coverage options, allowing customers to tailor policies to their needs.
- Vanishing Deductible Feature: The Vanishing Deductible program rewards safe driving by reducing deductibles over time.
- Member Discounts: Nationwide provides discounts for various affiliations and memberships, enhancing affordability for certain groups.
Cons
- Average Customer Satisfaction: Customer satisfaction ratings vary, as mentioned in our Nationwide insurance review with some customers reporting average experiences.
- Varied Premiums: Premiums may vary based on location and individual profiles, potentially impacting overall affordability.
#10 – AAA: Best for Safe-Driving Discounts
Pros
- Personalized Policies: AAA provides personalized coverage options for cars in Chicago, IL.
- Competitive Pricing: AAA offers affordable rates. Your affordability guide starts with our AAA car insurance review.
- Discount Opportunities: AAA offers discounts, including ones for cars.
Cons
- Restricted Availability of Local Agents: AAA primarily operates through local agents, which may not be universally accessible.
- Coverage Restrictions: Some policy enhancements may not completely address cars’ needs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
The Cost of Car Insurance in Chicago
Driving in Chicago
Military Members and Veterans
However, discount eligibility and amounts may vary, so it’s essential to inquire with your agent for specific details. Taking advantage of these discounts can help you save on car insurance premiums while honoring your service to the country. Enter your ZIP code to start comparing.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Unique Chicago Laws
The Bottom Line
Frequently Asked Questions
How much does car insurance cost in Chicago, IL?
The cost of car insurance in Chicago, IL can vary depending on several factors, including your age, driving record, type of vehicle, coverage limits, and the insurance company you choose.
Additionally, factors specific to Chicago, such as the high population density, traffic congestion, and crime rates, can impact insurance rates. To get an accurate estimate, it’s advisable to request quotes from multiple insurance providers.
What are the minimum car insurance requirements in Chicago, IL?
Are there any additional coverage options to consider for car insurance in Chicago, IL?
While liability coverage is the minimum requirement, there are several additional coverage options to consider for car insurance in Chicago, IL. These options include collision coverage, which helps cover repairs or replacement of your vehicle in the event of an accident, comprehensive coverage, which covers damages from non-collision incidents like theft or natural disasters, uninsured/underinsured motorist coverage, and personal injury protection.
It’s important to evaluate your individual needs and risks to determine the appropriate coverage options for you.
How can I find affordable car insurance in Chicago, IL?
To find affordable car insurance in Chicago, IL, it’s recommended to compare quotes from different insurance providers. Additionally, you can take advantage of discounts that insurance companies offer, such as multi-policy discounts, good driver discounts, discounts for safety features in your vehicle, and discounts for completing defensive driving courses.
Working with an independent insurance agent who is familiar with the Chicago area can also help you find the best coverage options at competitive rates. Enter your ZIP code.
Are there any specific considerations for car insurance in Chicago, IL?
What are the minimum requirements for insurance coverage in the state of Illinois?
Should I purchase extra coverage for my antique or classic car?
What are the minimum requirements to operate a food truck in Chicago?
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.
How does age and gender affect car insurance rate in Chicago?
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.