GEICO offers the lowest car insurance rates in Chicago, with average annual premiums of $521 for minimum coverage and $1,179 for full coverage. Auto-Owners, Erie Insurance and Travelers also provide affordable coverage options in the city.
Car Insurance in Chicago
Updated: August 21, 2025
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Key Takeaways
Chicago's cheapest car insurance companies are GEICO, Auto-Owners and Travelers, with savings up to 38% compared to the city average.
Monthly car insurance costs in Chicago average $146 for full coverage and $73 for minimum coverage.
To find the best cheap auto insurance in Chicago, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Chicago?
| GEICO | $43 | $98 | -38% |
| Auto-Owners | $45 | $102 | -35% |
| Travelers | $60 | $108 | -27% |
| Erie Insurance | $50 | $149 | -12% |
| AAA | $77 | $133 | -8% |
Cheapest Chicago Car Insurance by Category
Auto-Owners ranks cheapest for four driver categories in Chicago. GEICO offers the lowest rates for adult drivers, seniors and those with newer vehicles, while Travelers wins for drivers with a DUI and Country Financial leads for those with bad credit.
| Young Drivers | Auto-Owners | $111 |
| Adult Drivers | GEICO | $43 |
| Senior Drivers | GEICO | $52 |
| Drivers With an Accident | Auto-Owners | $60 |
| Drivers With a DUI | Travelers | $82 |
| Drivers With a Speeding Ticket | Auto-Owners | $51 |
| Drivers With Bad Credit | Country Financial | $136 |
| Drivers With Newer Cars | GEICO | $51 |
| Drivers With Old Cars | Auto-Owners | $33 |
Compare the Cheapest Chicago Car Insurance for You
Your driving history and personal details shape what you'll pay for car insurance. Use this table to find insurers offering the best rates for drivers who match your profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| GEICO | $43 | $521 | -49% |
| Travelers | $60 | $714 | -30% |
| AAA | $77 | $921 | -9% |
| Progressive | $87 | $1,044 | 3% |
| Allstate | $88 | $1,052 | 3% |
Car Insurance Calculator
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$128
High
$88
Average
$72
Low
Rates updated:
Aug 22, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 88 /of 100 | $72 | |
| 2 | 83 /of 100 | $73 | |
| 3 | 85 /of 100 | $78 | |
| 4 |  GEICO | 80 /of 100 | $84 |
| 5 | 92 /of 100 | $91 | |
| 6 | 63 /of 100 | $128 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance Companies in Chicago
The top car insurance companies in Chicago are Auto-Owners, Travelers, GEICO, Erie Insurance and Progressive. These insurers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Auto-Owners | 96 | 2 | 1 | 6 |
| Travelers | 94 | 3 | 3 | 5 |
| GEICO | 91 | 1 | 6 | 7 |
| Erie Insurance | 91 | 4 | 2 | 3 |
| Progressive | 87 | 7 | 4 | 2 |
Auto-Owners: Best Customer Service
pros
Top-rated customer experience
Multiple driver category wins
Strong affordability ratings
cons
Limited coverage options
Higher minimum coverage costs
COMPANY HIGHLIGHTS
Auto-Owners ranks first in Chicago thanks to outstanding customer service and competitive rates. The company excels with multiple driver categories, offering the lowest rates for young drivers, those with accidents, and drivers with old cars. While their minimum coverage costs run slightly above average, their full coverage rates beat most competitors. Their high customer satisfaction ratings mean faster claims processing and better support when you need it.
Travelers: Best Overall Value
pros
Strong all-around performance
Competitive full coverage rates
Good customer service scores
cons
Higher minimum coverage costs
Limited discounts available
COMPANY HIGHLIGHTS
Travelers earns Chicago's second spot by delivering consistent performance across all categories. They stand out with competitive full coverage rates and strong customer service ratings. The company particularly excels with high-risk drivers, offering the best rates for those with DUI records. Their balanced approach combines good coverage options with reliable claims service, though their minimum coverage rates run above the city average.
How Much Is Car Insurance in Chicago?
In Chicago, minimum coverage costs $73 per month or $877 per year, ranking 1,274th out of all Illinois cities for affordability. Full coverage averages $146 monthly or $1,750 annually, ranking 1,240th among Illinois cities.
| Full Coverage | $146 | $1,750 |
| Minimum Coverage | $73 | $877 |
Chicago Car Insurance Cost by Category
In Chicago, monthly car insurance costs range from $68 to $425 based on your driver profile. Check the table below to see rates for your category.
| Young Drivers | $194 | $375 |
| Adult Drivers | $73 | $146 |
| Senior Drivers | $103 | $191 |
| Drivers With an Accident | $111 | $220 |
| Drivers With a DUI | $141 | $273 |
| Drivers With a Speeding Ticket | $92 | $186 |
| Drivers With Bad Credit | $192 | $425 |
| Drivers With Newer Cars | $93 | $185 |
| Drivers With Old Cars | $68 | $134 |
Chicago Car Insurance Costs by ZIP Code
In Chicago, car insurance rates by ZIP code range from $62 to $182 per month. ZIP code 60628 is the most expensive, while 60631 is the cheapest. Check the average rates for your ZIP code below.
Data filtered by:Results filtered by:
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ZIP Code:60628
| 60628 | $88 | $182 |
Compare Personalized Chicago Car Insurance Costs
Since your situation may differ from basic averages, use this table to filter Chicago rates by specific combinations of age, driving history and other key factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
| $78 | $936 | 48% |
How to Get the Best Cheap Chicago Car Insurance
Chicago drivers face some of the highest car insurance rates in Illinois, but finding affordable coverage doesn't have to be overwhelming. This step-by-step guide shows you how to secure better rates while maintaining the right coverage for your needs.
- 1
Know your coverage requirements
Start by understanding how much coverage you need for Chicago driving. Consider your vehicle's value, your assets and your risk tolerance. Use our car insurance coverage needs calculator to determine appropriate coverage levels beyond Illinois minimum requirements.
- 2
Explore alternative insurance types
Look into different types of car insurance that could save you money. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Non-owner insurance might be your best option.
- 3
Check average costs in your area
Research average vehicle insurance costs in your Chicago neighborhood. Understanding typical rates helps you spot good deals and avoid overpaying. Rates vary significantly by ZIP code, driving history and coverage levels.
- 4
Stack up available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer additional savings for safe driving records and anti-theft devices.
- 5
Research company reliability
Investigate insurance companies' customer service ratings and claims satisfaction scores. Check reviews from other Chicago drivers. A slightly higher premium from a reliable insurer might save you money.
- 6
Get quotes from multiple providers
Collect quotes from at least three different insurance providers. Use comparison websites, contact local agents and visit company websites directly.
- 7
Review coverage annually
Set a yearly reminder to review your policy and shop for better rates. Life changes like improved credit scores, safer driving records, or moving to a new neighborhood can qualify you for lower premiums.
Cheapest Car Insurance in Chicago: Bottom Line
Car insurance rates in Chicago depend on your age, driving history and vehicle type. While GEICO and Auto-Owners offer the lowest average premiums in the city, compare quotes from multiple providers to find your best rate.
Cheap Chicago Car Insurance: FAQ
Our research team answers your questions about finding affordable car insurance in Chicago. We break down coverage options and costs to help you get the protection you need at the best price.
What is the cheapest car insurance company in Chicago, Illinois?
GEICO offers Chicago's lowest car insurance rates, averaging $521 for minimum coverage and $1,179 for full coverage. Rates vary by personal factors, so compare multiple quotes.
Who offers the best car insurance in Chicago?
Auto-Owners leads Chicago's car insurance market with a MoneyGeek score of 96 out of 100, scoring two points higher than Travelers. The company excels in both affordability and customer service quality.
What is the average cost of car insurance in Chicago?
In Chicago, drivers pay $1,750 per year for full coverage and $877 for minimum coverage car insurance. Actual rates vary based on individual factors.
Is car insurance in Chicago expensive?
Chicago car insurance is expensive, ranking 1274th for minimum coverage affordability and 1240th for full coverage compared to other Illinois cities.
How We Chose the Best and Cheapest Car Insurance in Chicago, IL
To help Chicago drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Illinois Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Illinois to tailor options as closely as possible to you.
Chicago Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Chicago
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Illinois are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.