Updated: December 10, 2025
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GEICO: Cheapest across many driver profiles. At $43 monthly for minimum coverage and $98 monthly for full coverage, GEICO saves most drivers 38% annually compared to Chicago's average.
Auto-Owners: Second cheapest at $45 monthly minimum and $102 full coverage. It's affordable for higher-risk driver types, like young drivers, those with an accident or speeding ticket or those with an older car.
Travelers: Cheapest for drivers with a DUI and second cheapest insurer for young drivers in Chicago.
Cheapest Monthly Rates by Coverage and Driver Profile in Chicago:
GEICO offers the cheapest minimum coverage at $43 monthly, while Auto-Owners is the second cheapest at $45. For full coverage, GEICO stays the cheapest at $98 monthly, with Auto-Owners second at $102. Both save you over 35% compared to Chicago's city average. Get quotes from at least three companies because rates vary by ZIP code and driving history.
| Geico | $43 | $98 | -38% |
| Auto Owners | $45 | $102 | -35% |
| Erie Insurance | $50 | $149 | -12% |
| Travelers | $60 | $108 | -27% |
| AAA | $77 | $133 | -8% |
Not in Chicago? Read more about the cheapest car insurance or the best provider in Illinois.
Teens and drivers in their early 20s pay the highest rates due to inexperience. Auto-Owners offers the cheapest full coverage at $230 monthly. Travelers charges $259, and COUNTRY Financial costs $273.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| Auto Owners | $230 | $2,762 | -41% |
| Travelers | $259 | $3,109 | -34% |
| Country Financial | $273 | $3,273 | -30% |
| Geico | $280 | $3,360 | -28% |
| Erie Insurance | $298 | $3,572 | -24% |
Senior drivers in Chicago pay lower rates than most age groups. GEICO charges the least at $109 monthly for full coverage. Auto-Owners costs $143, and Travelers charges $144. Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older. GEICO offers mature driver discounts and defensive driving course credits.
| Geico | $109 | $1,306 | -45% |
| Auto Owners | $143 | $1,714 | -28% |
| Travelers | $144 | $1,722 | -27% |
| AAA | $165 | $1,981 | -17% |
| Country Financial | $172 | $2,058 | -13% |
Violations increase your rates, though insurers charge different amounts for the same infraction. Auto-Owners charges drivers with at-fault accidents $60 monthly for minimum coverage, compared to GEICO's $65. For speeding tickets, Auto-Owners costs $51 a month, and GEICO charges $55. Travelers offers the best DUI rates at $82 monthly, with GEICO at $91.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | Auto Owners | $60 | -48% |
| At-Fault Accident | Geico | $65 | -44% |
| DUI | Travelers | $82 | -44% |
| DUI | Geico | $91 | -39% |
| Speeding Ticket | Auto Owners | $51 | -47% |
| Speeding Ticket | Geico | $55 | -43% |
Chicago rates span from $125 to $182 monthly for full coverage, depending on your ZIP code. High-risk areas like 60628 cost $182. Safer neighborhoods like 60631 cost $125.
Your ZIP code matters more than your neighborhood name when insurers calculate rates. Theft rates, traffic density and accident frequency create a $57 monthly gap between Chicago's most and least expensive ZIP codes.
| 60628 | $182 |
| 60639 | $176 |
| 60624 | $172 |
| 60644 | $170 |
| 60623 | $169 |
| 60632 | $168 |
| 60621 | $167 |
| 60616 | $167 |
| 60651 | $167 |
| 60636 | $164 |
| 60631 | $125 |
| 60657 | $127 |
| 60614 | $127 |
| 60701 | $128 |
| 60654 | $130 |
| 60601 | $130 |
| 60661 | $130 |
| 60611 | $130 |
| 60602 | $131 |
| 60606 | $131 |
Auto Owners leads Chicago's insurance market with a MoneyGeek score of 96 out of 100. The company combines competitive base rates with outstanding customer experience scores and minimal complaint ratios.
Travelers, GEICO, Erie and Progressive are also great options. These insurers offer 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 |
Highest J.D. Power customer satisfaction score
Cheapest rates for young drivers, accident history and older vehicles
Full coverage rates below city average
Fewer coverage add-ons than competitors
Minimum coverage costs above average
Auto-Owners leads Chicago insurers in customer service with a 4.5 out of 5 J.D. Power rating. The company charges the lowest rates for young drivers, drivers with accidents and owners of older vehicles. Minimum coverage costs $10 to $15 more monthly than the city average. Full coverage rates beat most competitors by 12% to 18%. Customers report faster claims processing and better support when filing claims.
Competitive in most rate categories
Full coverage $15 to $20 below city average
4.2/5 customer service rating
Minimum coverage costs above average
Fewer discount programs than top competitors
Travelers ranks second in Chicago with balanced pricing across driver profiles. The company charges full coverage rates $15 to $20 below the city average and maintains a 4.2 out of 5 J.D. Power customer service rating. Travelers offers the lowest rates for drivers with DUI records. The insurer provides solid coverage options and reliable claims service. Minimum coverage costs run $8 to $12 above the city average.
Chicago drivers pay some of the highest car insurance rates in Illinois. Finding affordable coverage requires comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Chicago's risk profile. Your driving record improves after three years, unlocking lower rates.
We break down coverage options and costs to help you get the financial protection you need at the best price.
Chicago car insurance is expensive. It costs $146 a month for full coverage. The most expensive locations in Illinois cost $158 per month, and the cheapest costs $85.
Finding affordable car insurance in Chicago starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Illinois’ insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 60628 often pay much more than those in 60631.
We partnered with the Illinois Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Chicago ZIP code.
Our ratings for the best car insurance in Chicago are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which shows which insurers maintain competitive rates across Chicago neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
