Updated: December 5, 2025
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GEICO: Cheapest across many driver profiles. At $43/month for minimum coverage and $98/month for full coverage, GEICO saves most drivers 38% annually compared to Chicago's average.
Auto-Owners: Second cheapest at $45/month minimum and $102/month full coverage. It's notably cheap 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 by Coverage and Driver Profile in Chicago:
GEICO offers the cheapest minimum coverage at $43/month, while Auto-Owners is second cheapest at $45/month. For full coverage, GEICO stays cheapest at $98/month, with Auto-Owners second at $102/month. Both save you over 35% compared to Chicago's city average. Get quotes from at least three companies since 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 in Illinois or the best car insurance in Illinois.
Teens and drivers in their early twenties pay the highest rates due to inexperience. Auto-Owners dominates this category, offering the cheapest full coverage at $230/month. Travelers ranks second at $259/month, while COUNTRY Financial comes in third at $273/month. Young drivers save significantly by staying on a parent's policy rather than buying separate coverage. Take a defensive driving course to unlock additional discounts of 5% to 15%.
| 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 enjoy competitive rates, with GEICO consistently cheapest at $109/month for full coverage. Auto-Owners ranks second at $143/month, while Travelers comes in third at $144/month. Seniors save up to 10% by completing a defensive driving course, with discounts lasting three years. Most insurers offer accident forgiveness programs for drivers 65 and older. GEICO provides age-specific discounts and defensive driver class 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, but some insurers penalize less than others. For at-fault accidents, Auto-Owners offers the cheapest rates at $60/month, with GEICO second at $65/month. Auto-Owners also leads for speeding tickets at $51/month, followed by GEICO at $55/month. Travelers is cheapest for drivers with a DUI at $82/month, with GEICO second at $91/month. Shop around after a violation since rates vary widely by insurer. Minor violations like speeding tickets stay on your record for three to five years, while serious violations like DUIs can 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 vary dramatically by neighborhood, ranging from $125/month to $182/month for full coverage. High-risk ZIP codes like 60628 cost $182/month, while safer neighborhoods like 60631 cost $125/month. Your specific ZIP code affects your rate more than your neighborhood name. Location-based factors like theft rates, traffic density and accident frequency can create a $57 monthly difference between Chicago's most and least expensive areas.
| 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 Insurance and Progressive are also great options. 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 |
Top-rated customer experience
Multiple driver category wins
Strong affordability ratings
Limited coverage options
Higher minimum coverage costs
Auto-Owners ranks first in Chicago for outstanding customer service and competitive rates. The company offers the lowest rates for young drivers, those with accidents and drivers with old cars. Minimum coverage costs run slightly above average, but full coverage rates beat most competitors. High customer satisfaction ratings translate to faster claims processing and better support when filing.
Strong all-around performance
Competitive full coverage rates
Good customer service scores
Higher minimum coverage costs
Limited discounts available
Travelers earns Chicago's second spot with consistent performance across all categories. The company offers competitive full coverage rates and strong customer service ratings, with the best rates for drivers with DUI records. Travelers combines good coverage options with reliable claims service, though minimum coverage rates run above the city average.
Chicago drivers face some of the highest car insurance rates in Illinois, but finding affordable coverage doesn't have to be overwhelming.
Bundle auto with home or renters (15-25% off). Add multi-car discounts (10-25% per vehicle). Combine good driver, paperless billing and automatic payment for 30-40% total savings.
Move from $500 to $1,000 and save 10-15% annually. Only choose what you can afford in cash.
Rates change yearly as companies adjust for Chicago's risk profile. Your driving record improves after 3 years, unlocking lower rates.
We break down coverage options and costs to help you get the protection you need at the best price.
Chicago car insurance is expensive. It costs $146 a month for full coverage. By comparison, the most expensiv locations in Illinois costs $158 per month and the cheapests costs $85 per month.
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 reveals 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.
