Best Car Insurance Companies in Chicago, IL

The best car insurance company depends on your needs and driving history. Country Financial is the best overall and for senior drivers. Westfield is the best for cheap coverage. American Family is ideal for young drivers and those with traffic offenses. Erie is the best for customer satisfaction, Auto-Owners is ideal for teenagers and Travelers is perfect for those with new cars.

MoneyGeek also highlighted the most affordable car insurance companies in Chicago.

In Chicago, Illinois, the best car insurance providers for full coverage are:

• Country Financial: MoneyGeek score 81 out of 100 ($890 per year)
• American Family: MoneyGeek score 70 out of 100 ($888 per year)

Our analysis of 14 insurers showed that Country Financial is the best car insurance for Illinois drivers, with high customer satisfaction ratings and affordable rates. USAA is a great option for those in the military, scoring an impressive 80 out of 100 with MoneyGeek. Country Financial is also the state's top option for auto insurance.

Our evaluation of 14 insurance providers in Chicago found Country Financial to be the best insurer. It offers the second-cheapest rates at $890 per year and scored well for customer service.

Although American Family is the most affordable option at $2 less than Country Financial's policies, Country Financial balances affordability and customer service to rank first.

Erie and Westfield earned the highest customer satisfaction ratings, but these options have pricier policies. All rates mentioned in this article refer to full coverage policies. We only assigned MoneyGeek scores to companies that provided enough data for each scoring component.

Without factoring in cost, the top-rated full coverage car insurance companies for customer service in Chicago are:

• Erie: MoneyGeek score 70 out of 100 ($1,154 per year)
• Westfield: MoneyGeek score 68 out of 100 ($1,011 per year)

Erie scored well in customer satisfaction and claims management ratings, but its car insurance policies are more costly than other providers. This means you’ll pay more for excellent service.

Customer service is of the utmost importance when dealing with a stressful issue such as a car breaking down. We recommend Erie due to its acclaimed customer service and efficient claims management. It earned excellent ratings for its ability to quickly process claims and respond to the needs of policyholders.

While the runner-up has a better coverage score, Erie outranked it in terms of claims management.

Based on an evaluation of cost and service quality for policies that meet the minimum requirements set by the state of Illinois, the top companies in Chicago are:

• Westfield: MoneyGeek score 78 out of 100 ($372 per year)
• Country Financial: MoneyGeek score 76 out of 100 ($368 per year)

Minimum coverage policies are usually the most affordable but offer limited protection. For instance, liability-only policies do not include damage to your car. The state of Illinois' mandated minimum car insurance requirements is applicable to all cities in the state.

Westfield is our top choice for insurers offering the best minimum coverage policies since it provides low rates without sacrificing customer service. While cheaper premiums may mean a lower quality of service, Westfield has proven to be an exception to this rule, as it has both competitive prices and a high customer satisfaction rating.

Even though Country Financial may have a slightly lower premium, Westfield ranks higher for customer satisfaction and claims processing.

The best insurance companies for Chicago drivers in their 20s who need full coverage are:

• American Family: MoneyGeek score 80 out of 100 ($954 per year)
• Country Financial: MoneyGeek score 77 out of 100 ($1,163 per year)

MoneyGeek rated American Family highly for its affordability and coverage options, meaning customers can get quality coverage at a low price. We also evaluated the best car insurance for young drivers so you can make the right decision.

When shopping for car insurance, young adults should look for an insurer offering moderately priced policies that meet their individual needs. Consider companies that cater specifically to drivers under 30 by offering discounts for those with good driving records and academic successes. Although Country Financial ranks higher for customer service, American Family makes up for this with cheap premiums.

For 16-year-old teens on their parent's full coverage policy, the best car insurance in Chicago are:

• Auto-Owners: MoneyGeek score 81 out of 100 ($2,910 per year)
• Progressive: MoneyGeek score 74 out of 100 ($2,782 per year)

Auto-Owners stands out from the other insurers we analyzed for teen drivers due to its affordable premiums and coverage options. Car insurance is more expensive for teens, but they can save up to $2,567 per year by being added to their parent's policy. Keep in mind that teens under 18 must have a guardian’s permission to get insurance.

In Chicago, the best insurance provider for teens offers affordable rates and teen-specific discounts. Parents and teens can shop for insurers that also offer extra coverages such as roadside help and accident forgiveness.

While Progressive scored better than Auto-Owners for affordability, it didn't measure up in terms of satisfaction and claims management.

The best companies in Chicago for full coverage car insurance for seniors are:

• Country Financial: MoneyGeek score 81 out of 100 ($837 per year)
• American Family: MoneyGeek score 79 out of 100 ($869 per year)

MoneyGeek data shows that Country Financial is the highest-rated auto insurer for senior drivers in Chicago. Not only is it the most affordable, but it also has excellent customer satisfaction ratings. Drivers in their 60s tend to pay the same rates as those in their 30s, 40s and 50s. This may change when a driver reaches their 70s, as insurance companies consider this age-group high risk.

Older individuals in their sixties may find better rates when looking for insurance when compared to other age brackets. An ideal insurance plan for this age group should be cost-effective and provide extensive coverage plans with personal injury protection (PIP) in order to provide extra security in case of an accident resulting in serious injury.

Although Country Financial lacks senior-specific discounts, it makes up for this with affordable rates plus bundling and defensive driving discounts.

The best auto insurance providers for Chicago drivers who want full coverage but have traffic violations on their records are:

• American Family: MoneyGeek score 80 out of 100 ($1,095 per year)
• Country Financial: MoneyGeek score 77 out of 100 ($1,355 per year)

American Family ranked top for its combination of coverage options and affordability. For drivers with violations, car insurance premiums increase based on the severity of the violation. In Chicago, drivers with DUIs will pay around $811 more for coverage than a driver with a clean record, while those with a speeding ticket could pay around $314 more. However, you can still minimize your costs by selecting the best auto insurers for drivers with offenses.

American Family and Country Financial both offer affordable premiums with discounts, making them outstanding insurers for motorists with violations. American Family earned a high affordability score, while Country Financial ranked high for consumer satisfaction. While American Family’s coverage options helped it take the top spot, both insurance companies are ideal for drivers with offenses.

Chicago new car owners needing full coverage fare best with these insurers:

• Travelers: MoneyGeek score 76 out of 100 ($1,189 per year)
• Allstate: MoneyGeek score 43 out of 100 ($2,014 per year)

We evaluated insurers for this category based on the cost and quality of service for drivers with a 2022 model car in Chicago. We only ranked insurance companies that offer better or new car replacement coverage. This is an insurance policy that gives drivers a new or better car if they experience a total loss of their car due to an accident. Travelers achieved the highest score due to its excellent service.

The best insurer for new car owners offers new car replacement or better car replacement coverage, discounts and quality service at an affordable rate. Travelers checks these boxes and is our top pick with high ratings from J.D. Power. Allstate is our second pick since it excels in customer service but is not as competitive when it comes to affordability.

The best car insurance company for you depends on your needs. To help you make the best decision, MoneyGeek answered some frequently asked questions about Chicago car insurance.