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The cheapest car insurance depends on your driving profile. American Family is the cheapest for full coverage car insurance, drivers with accidents and DUIs, military drivers, young adults and sports car owners. Auto-Owners Insurance is cheapest for those with speeding violations, while Progressive is cheapest for teens and families. Country Financial is best for seniors and those with poor credit.

MoneyGeek also analyzed the best auto insurance providers in Chicago for both cost and service.

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2023

Cheapest Car Insurance in Chicago, IL

Cheapest Minimum Coverage Car Insurance in Chicago

MoneyGeek found that the following Chicago auto insurance providers offer the most affordable minimum coverage policies:

  • Mercury: $293 per year
  • Country Financial: $368 per year

The most expensive provider in our analysis is Grange Insurance, which offers minimum coverage insurance for $840 a year. At $241 a year, Mercury also offers the cheapest auto insurance in Illinois as of October 2022, which is only slightly cheaper than the company's rate in Chicago.

Company
Annual Premium
Monthly Premium

Mercury

$293

$24

Mercury

$297

$25

Country Financial

$366

$31

Country Financial

$368

$31

Westfield

$372

$31

Westfield

$405

$34

Mercury

$419

$35

Westfield

$429

$36

Auto-Owners Insurance Co

$439

$37

State Farm

$443

$37

Auto-Owners Insurance Co

$464

$39

State Farm

$468

$39

GEICO

$484

$40

GEICO

$488

$41

American Family

$489

$41

Country Financial

$493

$41

Erie

$493

$41

Progressive

$496

$41

American Family

$496

$41

Erie

$498

$42

Progressive

$525

$44

American Family

$531

$44

Auto-Owners Insurance Co

$549

$46

Progressive

$558

$46

State Farm

$559

$47

GEICO

$560

$47

Travelers

$577

$48

Hanover

$589

$49

Hanover

$599

$50

Travelers

$613

$51

AAA

$624

$52

Erie

$628

$52

Allstate

$635

$53

Allstate

$647

$54

Travelers

$649

$54

AAA

$665

$55

Hanover

$757

$63

Allstate

$789

$66

AAA

$813

$68

Country Financial

$837

$70

Grange Insurance

$840

$70

American Family

$869

$72

American Family

$888

$74

Country Financial

$890

$74

Grange Insurance

$900

$75

Mercury

$922

$77

Auto-Owners Insurance Co

$946

$79

American Family

$954

$79

Auto-Owners Insurance Co

$955

$80

State Farm

$982

$82

Mercury

$984

$82

Westfield

$994

$83

Westfield

$1,011

$84

Progressive

$1,023

$85

Progressive

$1,026

$85

GEICO

$1,048

$87

State Farm

$1,060

$88

Grange Insurance

$1,067

$89

GEICO

$1,151

$96

Erie

$1,154

$96

Country Financial

$1,163

$97

Travelers

$1,164

$97

Erie

$1,165

$97

Travelers

$1,167

$97

Progressive

$1,235

$103

Auto-Owners Insurance Co

$1,260

$105

Westfield

$1,333

$111

State Farm

$1,334

$111

GEICO

$1,347

$112

Allstate

$1,363

$114

Travelers

$1,364

$114

Mercury

$1,365

$114

Allstate

$1,411

$118

AAA

$1,473

$123

Erie

$1,474

$123

AAA

$1,590

$132

Allstate

$1,679

$140

Hanover

$1,695

$141

Grange Insurance

$1,799

$150

Hanover

$1,813

$151

Grange Insurance

$1,823

$152

AAA

$1,984

$165

Grange Insurance

$2,245

$187

Hanover

$2,347

$196

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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The minimum liability requirements for car insurance policies in Illinois are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

If you have minimum coverage and are at fault in an accident, your insurance will only pay for up to $50,000 in medical expenses for the other driver and passengers, with a per-person maximum of $25,000 — regardless of how many people were injured. Any remaining medical expenses, as well as damage to your own vehicle, will be your responsibility.

Cheapest Full Coverage Car Insurance in Chicago

The following companies offer full coverage auto insurance at the lowest rates in Chicago:

  • American Family: $888 per year
  • Country Financial: $890 per year

Grange Insurance is the most expensive insurer in Chicago for full coverage, costing an average of $1,823 per year. American Family is also your best choice for the cheapest full coverage auto insurance in Illinois, with rates averaging $696 per year — $192 less than its rates in Chicago.

Company
Annual Premium
Monthly Premium

Mercury

$293

$24

Mercury

$297

$25

Country Financial

$366

$31

Country Financial

$368

$31

Westfield

$372

$31

Westfield

$405

$34

Mercury

$419

$35

Westfield

$429

$36

Auto-Owners Insurance Co

$439

$37

State Farm

$443

$37

Auto-Owners Insurance Co

$464

$39

State Farm

$468

$39

GEICO

$484

$40

GEICO

$488

$41

American Family

$489

$41

Country Financial

$493

$41

Erie

$493

$41

Progressive

$496

$41

American Family

$496

$41

Erie

$498

$42

Progressive

$525

$44

American Family

$531

$44

Auto-Owners Insurance Co

$549

$46

Progressive

$558

$46

State Farm

$559

$47

GEICO

$560

$47

Travelers

$577

$48

Hanover

$589

$49

Hanover

$599

$50

Travelers

$613

$51

AAA

$624

$52

Erie

$628

$52

Allstate

$635

$53

Allstate

$647

$54

Travelers

$649

$54

AAA

$665

$55

Hanover

$757

$63

Allstate

$789

$66

AAA

$813

$68

Country Financial

$837

$70

Grange Insurance

$840

$70

American Family

$869

$72

American Family

$888

$74

Country Financial

$890

$74

Grange Insurance

$900

$75

Mercury

$922

$77

Auto-Owners Insurance Co

$946

$79

American Family

$954

$79

Auto-Owners Insurance Co

$955

$80

State Farm

$982

$82

Mercury

$984

$82

Westfield

$994

$83

Westfield

$1,011

$84

Progressive

$1,023

$85

Progressive

$1,026

$85

GEICO

$1,048

$87

State Farm

$1,060

$88

Grange Insurance

$1,067

$89

GEICO

$1,151

$96

Erie

$1,154

$96

Country Financial

$1,163

$97

Travelers

$1,164

$97

Erie

$1,165

$97

Travelers

$1,167

$97

Progressive

$1,235

$103

Auto-Owners Insurance Co

$1,260

$105

Westfield

$1,333

$111

State Farm

$1,334

$111

GEICO

$1,347

$112

Allstate

$1,363

$114

Travelers

$1,364

$114

Mercury

$1,365

$114

Allstate

$1,411

$118

AAA

$1,473

$123

Erie

$1,474

$123

AAA

$1,590

$132

Allstate

$1,679

$140

Hanover

$1,695

$141

Grange Insurance

$1,799

$150

Hanover

$1,813

$151

Grange Insurance

$1,823

$152

AAA

$1,984

$165

Grange Insurance

$2,245

$187

Hanover

$2,347

$196

A full coverage policy includes comprehensive and collision insurance in addition to liability coverage.

  • Collision insurance: Pays for damage to your car caused by an at-fault collision.
  • Comprehensive insurance: Pays for damage to your car caused by events other than collisions, such as vandalism and theft.

A full coverage auto insurance policy provides you with additional financial protection. However, If you have an older car with low value, the added expense might not be worth it.

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Cheapest Car Insurance in Chicago After a Driving Offense

The following companies offer the cheapest car insurance in Chicago for drivers with violations:

  • Speeding ticket: Auto-Owners Insurance ($1,064 per year)
  • At-fault accident: American Family ($1,073 per year)
  • DUI: American Family ($1,095 per year)

Hanover has the highest rates for drivers with an at-fault accident on their record at $2,818 per year, and Grange Insurance is the most expensive company for those with speeding tickets ($2,759) and DUIs ($3,147).

Driving violations can greatly impact auto insurance rates — even the cheapest rates for those with poor driving records will still be considerably higher than rates for those with safe records.

Company
Annual Premium
Monthly Premium

Mercury

$434

$36

Westfield

$436

$36

Mercury

$446

$37

Westfield

$476

$40

Country Financial

$483

$40

Country Financial

$486

$40

State Farm

$491

$41

State Farm

$491

$41

Mercury

$494

$41

Auto-Owners Insurance Co

$495

$41

Westfield

$505

$42

State Farm

$519

$43

State Farm

$519

$43

Auto-Owners Insurance Co

$520

$43

Progressive

$530

$44

State Farm

$535

$45

Mercury

$537

$45

Erie

$543

$45

Erie

$546

$46

State Farm

$566

$47

Westfield

$571

$48

Mercury

$572

$48

American Family

$577

$48

Auto-Owners Insurance Co

$581

$48

Mercury

$581

$48

GEICO

$584

$49

Country Financial

$584

$49

American Family

$588

$49

Hanover

$589

$49

Progressive

$589

$49

American Family

$592

$49

American Family

$592

$49

Progressive

$594

$49

Country Financial

$597

$50

Hanover

$599

$50

Country Financial

$600

$50

Westfield

$605

$50

American Family

$605

$50

American Family

$605

$50

Progressive

$605

$50

Auto-Owners Insurance Co

$607

$51

Country Financial

$608

$51

State Farm

$621

$52

State Farm

$621

$52

Auto-Owners Insurance Co

$623

$52

American Family

$623

$52

Westfield

$628

$52

Mercury

$633

$53

American Family

$640

$53

American Family

$640

$53

Country Financial

$657

$55

Progressive

$675

$56

Progressive

$675

$56

State Farm

$678

$56

GEICO

$690

$57

Erie

$690

$58

Erie

$695

$58

Erie

$702

$59

GEICO

$712

$59

Progressive

$720

$60

Auto-Owners Insurance Co

$736

$61

Hanover

$757

$63

GEICO

$768

$64

Country Financial

$771

$64

Mercury

$791

$66

Travelers

$793

$66

Mercury

$796

$66

Progressive

$803

$67

Progressive

$803

$67

AAA

$809

$67

Country Financial

$815

$68

Travelers

$829

$69

Travelers

$838

$70

Erie

$846

$71

GEICO

$850

$71

Erie

$859

$72

Allstate

$861

$72

AAA

$862

$72

Travelers

$876

$73

Allstate

$880

$73

Erie

$890

$74

Auto-Owners Insurance Co

$905

$75

Travelers

$923

$77

AAA

$924

$77

Auto-Owners Insurance Co

$935

$78

Hanover

$936

$78

Hanover

$941

$78

Travelers

$942

$78

GEICO

$970

$81

Travelers

$976

$81

AAA

$981

$82

Travelers

$983

$82

Hanover

$1,005

$84

Hanover

$1,007

$84

Westfield

$1,026

$86

Auto-Owners Insurance Co

$1,052

$88

American Family

$1,054

$88

Westfield

$1,059

$88

AAA

$1,062

$89

Auto-Owners Insurance Co

$1,064

$89

Allstate

$1,065

$89

American Family

$1,073

$89

American Family

$1,075

$90

American Family

$1,075

$90

State Farm

$1,081

$90

State Farm

$1,081

$90

Westfield

$1,082

$90

Allstate

$1,084

$90

Country Financial

$1,086

$91

Allstate

$1,088

$91

Erie

$1,089

$91

American Family

$1,095

$91

American Family

$1,095

$91

Allstate

$1,095

$91

Travelers

$1,100

$92

Allstate

$1,123

$94

Progressive

$1,145

$95

GEICO

$1,146

$96

Hanover

$1,151

$96

American Family

$1,153

$96

Country Financial

$1,155

$96

Auto-Owners Insurance Co

$1,164

$97

State Farm

$1,165

$97

State Farm

$1,165

$97

State Farm

$1,171

$98

Westfield

$1,173

$98

American Family

$1,174

$98

American Family

$1,174

$98

Westfield

$1,193

$99

Progressive

$1,211

$101

AAA

$1,213

$101

Auto-Owners Insurance Co

$1,214

$101

AAA

$1,215

$101

Auto-Owners Insurance Co

$1,229

$102

Hanover

$1,240

$103

GEICO

$1,247

$104

State Farm

$1,261

$105

Erie

$1,267

$106

Grange Insurance

$1,272

$106

Country Financial

$1,281

$107

Country Financial

$1,281

$107

Erie

$1,282

$107

AAA

$1,289

$107

Country Financial

$1,309

$109

Grange Insurance

$1,312

$109

Allstate

$1,349

$112

Country Financial

$1,355

$113

Progressive

$1,362

$113

Progressive

$1,366

$114

Grange Insurance

$1,370

$114

Allstate

$1,388

$116

Mercury

$1,392

$116

Grange Insurance

$1,411

$118

Auto-Owners Insurance Co

$1,411

$118

GEICO

$1,413

$118

Westfield

$1,424

$119

Grange Insurance

$1,425

$119

Westfield

$1,441

$120

Mercury

$1,444

$120

Progressive

$1,451

$121

Mercury

$1,469

$122

State Farm

$1,471

$123

State Farm

$1,471

$123

Grange Insurance

$1,518

$126

Country Financial

$1,527

$127

GEICO

$1,541

$128

Grange Insurance

$1,555

$130

Westfield

$1,580

$132

Erie

$1,586

$132

State Farm

$1,597

$133

Progressive

$1,601

$133

Erie

$1,606

$134

Mercury

$1,608

$134

AAA

$1,618

$135

Erie

$1,625

$135

Progressive

$1,629

$136

Travelers

$1,636

$136

Auto-Owners Insurance Co

$1,643

$137

Grange Insurance

$1,665

$139

GEICO

$1,680

$140

Hanover

$1,695

$141

Travelers

$1,709

$142

GEICO

$1,713

$143

Country Financial

$1,718

$143

Progressive

$1,728

$144

Westfield

$1,763

$147

Travelers

$1,771

$148

GEICO

$1,773

$148

Travelers

$1,775

$148

Allstate

$1,790

$149

Mercury

$1,802

$150

Country Financial

$1,811

$151

Hanover

$1,813

$151

Grange Insurance

$1,814

$151

Auto-Owners Insurance Co

$1,827

$152

AAA

$1,836

$153

Travelers

$1,853

$154

Allstate

$1,853

$154

Auto-Owners Insurance Co

$1,854

$155

Travelers

$1,858

$155

Mercury

$1,879

$157

Progressive

$1,899

$158

Erie

$1,901

$158

Travelers

$1,906

$159

Erie

$1,930

$161

AAA

$1,989

$166

AAA

$2,000

$167

Mercury

$2,033

$169

Erie

$2,038

$170

GEICO

$2,038

$170

Travelers

$2,062

$172

Travelers

$2,078

$173

Allstate

$2,133

$178

AAA

$2,156

$180

GEICO

$2,188

$182

Allstate

$2,203

$184

Allstate

$2,230

$186

Allstate

$2,254

$188

Mercury

$2,335

$195

Allstate

$2,336

$195

Hanover

$2,347

$196

Westfield

$2,408

$201

Westfield

$2,425

$202

Erie

$2,451

$204

AAA

$2,483

$207

AAA

$2,519

$210

Auto-Owners Insurance Co

$2,519

$210

Mercury

$2,534

$211

Grange Insurance

$2,614

$218

Grange Insurance

$2,620

$218

GEICO

$2,655

$221

Allstate

$2,672

$223

AAA

$2,696

$225

AAA

$2,709

$226

Hanover

$2,712

$226

Grange Insurance

$2,735

$228

Westfield

$2,746

$229

Grange Insurance

$2,759

$230

Hanover

$2,818

$235

Allstate

$2,829

$236

Hanover

$2,912

$243

GEICO

$3,012

$251

Hanover

$3,020

$252

Grange Insurance

$3,091

$258

Grange Insurance

$3,147

$262

Grange Insurance

$3,147

$262

GEICO

$3,354

$280

Grange Insurance

$3,400

$283

AAA

$3,440

$287

Hanover

$3,584

$299

Hanover

$3,831

$319

Grange Insurance

$3,881

$323

Car insurance rates typically increase based on the severity of the violation. For instance, drivers with a speeding ticket in Chicago pay an average of $314 more each year for car insurance, while those with a DUI pay $811 more. Even if you have a violation, it's still possible to get cheap car insurance rates with a poor record.

Cheapest Car Insurance in Chicago for Teens and Their Families

The following providers in Chicago provide the cheapest rates for young drivers on a family policy:

  • State Farm: $2,532 per year for female teens; Progressive: $2,782 per year for male teens;
  • Progressive: $2,552 per year for female teens; Auto-Owners Insurance: $2,910 per year for male teens;

Insuring teens on a family plan is the most expensive with GEICO, with average rates of $4,335 per year for female teens and $4,758 per year for male teens.

Because female teenagers tend to drive more safely, insurance is typically less expensive for them. In Chicago, for example, Progressive charges $230 more for male teens than for female teens. However, this cost difference tends to disappear in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$1,124

$2,064

Travelers

$1,233

$2,168

Travelers

$1,294

$2,376

Travelers

$1,299

$2,641

Travelers

$1,339

$2,459

State Farm

$1,351

$2,185

Travelers

$1,443

$2,538

State Farm

$1,479

$2,391

Travelers

$1,487

$2,905

Travelers

$1,495

$3,060

Auto-Owners Insurance Co

$1,501

$3,370

Auto-Owners Insurance Co

$1,540

$3,324

State Farm

$1,559

$2,473

State Farm

$1,561

$2,909

Travelers

$1,563

$2,748

Auto-Owners Insurance Co

$1,587

$3,564

State Farm

$1,617

$2,615

Progressive

$1,618

$1,931

Auto-Owners Insurance Co

$1,652

$4,100

Auto-Owners Insurance Co

$1,653

$3,567

State Farm

$1,664

$3,153

Travelers

$1,674

$5,115

Allstate

$1,690

$2,968

Allstate

$1,690

$2,968

Progressive

$1,694

$3,012

Auto-Owners Insurance Co

$1,696

$3,808

Progressive

$1,712

$1,974

State Farm

$1,738

$2,758

Allstate

$1,753

$3,815

Allstate

$1,753

$3,815

Travelers

$1,764

$3,446

Auto-Owners Insurance Co

$1,766

$4,406

Travelers

$1,770

$3,440

Travelers

$1,775

$4,049

Allstate

$1,776

$3,120

Allstate

$1,776

$3,120

Auto-Owners Insurance Co

$1,797

$4,952

Auto-Owners Insurance Co

$1,828

$3,946

Allstate

$1,830

$3,480

Allstate

$1,830

$3,480

Progressive

$1,840

$3,301

State Farm

$1,843

$3,434

Auto-Owners Insurance Co

$1,857

$4,390

Allstate

$1,873

$3,289

Allstate

$1,873

$3,289

State Farm

$1,908

$3,027

State Farm

$1,917

$3,632

State Farm

$1,917

$4,111

Progressive

$1,951

$2,328

Progressive

$1,954

$2,253

Progressive

$2,036

$2,899

Auto-Owners Insurance Co

$2,036

$4,814

Auto-Owners Insurance Co

$2,044

$5,289

Progressive

$2,051

$2,786

State Farm

$2,052

$3,824

Travelers

$2,090

$6,384

Auto-Owners Insurance Co

$2,091

$5,761

Travelers

$2,097

$6,408

Progressive

$2,098

$4,295

Auto-Owners Insurance Co

$2,100

$6,643

Progressive

$2,119

$2,443

Allstate

$2,121

$5,361

Allstate

$2,121

$5,361

Progressive

$2,125

$6,474

Travelers

$2,135

$4,149

Allstate

$2,147

$4,673

Allstate

$2,147

$4,673

Progressive

$2,147

$2,563

Travelers

$2,155

$4,969

GEICO

$2,156

$3,846

Progressive

$2,184

$3,884

State Farm

$2,201

$4,722

GEICO

$2,203

$3,494

Allstate

$2,256

$6,231

Allstate

$2,256

$6,231

GEICO

$2,297

$2,843

GEICO

$2,304

$3,655

Progressive

$2,351

$7,294

Progressive

$2,358

$4,900

GEICO

$2,363

$2,924

State Farm

$2,412

$5,158

GEICO

$2,414

$4,276

State Farm

$2,415

$4,500

GEICO

$2,425

$4,737

GEICO

$2,455

$3,894

Progressive

$2,501

$4,486

GEICO

$2,509

$3,475

Progressive

$2,515

$7,663

State Farm

$2,518

$5,400

State Farm

$2,532

$6,172

Progressive

$2,552

$9,189

GEICO

$2,567

$3,177

Auto-Owners Insurance Co

$2,591

$7,725

Auto-Owners Insurance Co

$2,642

$5,910

Travelers

$2,665

$8,138

Travelers

$2,705

$13,278

Progressive

$2,731

$8,472

Progressive

$2,782

$10,124

State Farm

$2,801

$5,905

GEICO

$2,848

$6,341

Auto-Owners Insurance Co

$2,851

$6,846

Auto-Owners Insurance Co

$2,851

$6,379

GEICO

$2,874

$5,615

Auto-Owners Insurance Co

$2,908

$8,669

Auto-Owners Insurance Co

$2,910

$9,629

Allstate

$3,010

$8,312

Allstate

$3,010

$8,312

GEICO

$3,052

$6,637

Allstate

$3,055

$10,760

Allstate

$3,055

$10,760

State Farm

$3,208

$6,764

State Farm

$3,224

$7,719

GEICO

$3,281

$5,854

GEICO

$3,298

$12,475

Travelers

$3,470

$17,269

GEICO

$3,737

$12,731

GEICO

$3,806

$14,395

GEICO

$4,233

$14,422

GEICO

$4,335

$22,324

GEICO

$4,758

$21,475

Teenagers looking for cheap auto insurance can save a lot of money by signing up for a family policy rather than buying one separately. In Chicago, an individual teen policy costs around $2,566 more per year than a family policy.

Cheapest Car Insurance in Chicago for Military Drivers

The cheapest full coverage providers in Chicago for those with a military background are:

  • American Family: $888 per year
  • Country Financial: $890 per year

USAA is also a good option as it caters specifically to military personnel. Its average annual rate in Chicago is $1,031.

For minimum coverage, Mercury offers the cheapest auto insurance rates for military drivers, with an average annual premium of $293. Country Financial is in second place again, with an annual premium of $368.

Company
Annual Premium
Monthly Premium

Mercury

$293

$24

Mercury

$297

$25

Country Financial

$366

$31

Country Financial

$368

$31

Westfield

$372

$31

Westfield

$405

$34

Mercury

$419

$35

Westfield

$429

$36

Auto-Owners Insurance Co

$439

$37

State Farm

$443

$37

Auto-Owners Insurance Co

$464

$39

State Farm

$468

$39

GEICO

$484

$40

GEICO

$488

$41

American Family

$489

$41

Country Financial

$493

$41

Erie

$493

$41

Progressive

$496

$41

American Family

$496

$41

USAA

$498

$42

Erie

$498

$42

USAA

$501

$42

Progressive

$525

$44

American Family

$531

$44

Auto-Owners Insurance Co

$549

$46

Progressive

$558

$46

State Farm

$559

$47

GEICO

$560

$47

Travelers

$577

$48

Hanover

$589

$49

Hanover

$599

$50

Travelers

$613

$51

AAA

$624

$52

Erie

$628

$52

USAA

$631

$53

Allstate

$635

$53

Allstate

$647

$54

Travelers

$649

$54

AAA

$665

$55

Hanover

$757

$63

Allstate

$789

$66

AAA

$813

$68

Country Financial

$837

$70

Grange Insurance

$840

$70

American Family

$869

$72

American Family

$888

$74

Country Financial

$890

$74

Grange Insurance

$900

$75

Mercury

$922

$77

Auto-Owners Insurance Co

$946

$79

American Family

$954

$79

Auto-Owners Insurance Co

$955

$80

State Farm

$982

$82

Mercury

$984

$82

Westfield

$994

$83

USAA

$997

$83

Westfield

$1,011

$84

Progressive

$1,023

$85

Progressive

$1,026

$85

USAA

$1,031

$86

GEICO

$1,048

$87

State Farm

$1,060

$88

Grange Insurance

$1,067

$89

GEICO

$1,151

$96

Erie

$1,154

$96

Country Financial

$1,163

$97

Travelers

$1,164

$97

Erie

$1,165

$97

Travelers

$1,167

$97

Progressive

$1,235

$103

Auto-Owners Insurance Co

$1,260

$105

Westfield

$1,333

$111

State Farm

$1,334

$111

GEICO

$1,347

$112

USAA

$1,357

$113

Allstate

$1,363

$114

Travelers

$1,364

$114

Mercury

$1,365

$114

Allstate

$1,411

$118

AAA

$1,473

$123

Erie

$1,474

$123

AAA

$1,590

$132

Allstate

$1,679

$140

Hanover

$1,695

$141

Grange Insurance

$1,799

$150

Hanover

$1,813

$151

Grange Insurance

$1,823

$152

AAA

$1,984

$165

Grange Insurance

$2,245

$187

Hanover

$2,347

$196

How to Compare Cheap Chicago Car Insurance Quotes Online

It can take over 15 minutes to get a car insurance quote online from a single company in Chicago, and the process involves submitting a lot of personal information.

MoneyGeek's auto insurance calculator can provide a quick estimate so you can get an idea of your costs, and all it requires is your age, driving history, car model and desired coverage levels.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Mercury

Cheapest Car Insurance in Chicago for Young Adults

The following companies offer the cheapest full coverage auto insurance for young adults in Chicago:

  • American Family: $954 per year
  • Country Financial: $1,163 per year

Hanover is the most expensive option, with an average yearly premium of $2,347 for a full coverage policy. Young adults pay less for auto insurance than teenagers do, but they generally still pay more than 40-year-olds since they're less experienced. In Chicago, rates for young adults are $304 more on average than rates for drivers in their 40s.

Company
Annual Premium
Monthly Premium

Mercury

$293

$24

Mercury

$297

$25

Country Financial

$366

$31

Country Financial

$368

$31

Westfield

$372

$31

Westfield

$405

$34

Mercury

$419

$35

Westfield

$429

$36

Auto-Owners Insurance Co

$439

$37

State Farm

$443

$37

Auto-Owners Insurance Co

$464

$39

State Farm

$468

$39

GEICO

$484

$40

GEICO

$488

$41

American Family

$489

$41

Country Financial

$493

$41

Erie

$493

$41

Progressive

$496

$41

American Family

$496

$41

Erie

$498

$42

Progressive

$525

$44

American Family

$531

$44

Auto-Owners Insurance Co

$549

$46

Progressive

$558

$46

State Farm

$559

$47

GEICO

$560

$47

Travelers

$577

$48

Hanover

$589

$49

Hanover

$599

$50

Travelers

$613

$51

AAA

$624

$52

Erie

$628

$52

Allstate

$635

$53

Allstate

$647

$54

Travelers

$649

$54

AAA

$665

$55

Hanover

$757

$63

Allstate

$789

$66

AAA

$813

$68

Country Financial

$837

$70

Grange Insurance

$840

$70

American Family

$869

$72

American Family

$888

$74

Country Financial

$890

$74

Grange Insurance

$900

$75

Mercury

$922

$77

Auto-Owners Insurance Co

$946

$79

American Family

$954

$79

Auto-Owners Insurance Co

$955

$80

State Farm

$982

$82

Mercury

$984

$82

Westfield

$994

$83

Westfield

$1,011

$84

Progressive

$1,023

$85

Progressive

$1,026

$85

GEICO

$1,048

$87

State Farm

$1,060

$88

Grange Insurance

$1,067

$89

GEICO

$1,151

$96

Erie

$1,154

$96

Country Financial

$1,163

$97

Travelers

$1,164

$97

Erie

$1,165

$97

Travelers

$1,167

$97

Progressive

$1,235

$103

Auto-Owners Insurance Co

$1,260

$105

Westfield

$1,333

$111

State Farm

$1,334

$111

GEICO

$1,347

$112

Allstate

$1,363

$114

Travelers

$1,364

$114

Mercury

$1,365

$114

Allstate

$1,411

$118

AAA

$1,473

$123

Erie

$1,474

$123

AAA

$1,590

$132

Allstate

$1,679

$140

Hanover

$1,695

$141

Grange Insurance

$1,799

$150

Hanover

$1,813

$151

Grange Insurance

$1,823

$152

AAA

$1,984

$165

Grange Insurance

$2,245

$187

Hanover

$2,347

$196

Cheapest Car Insurance in Chicago for Seniors

The following providers offer the cheapest auto insurance for seniors in Chicago:

  • Country Financial: $837 per year
  • American Family: $869 per year

The most expensive company for seniors is Grange Insurance, which charges $1,799 annually for a full coverage policy. In Chicago, average car insurance rates for seniors are slightly lower (about $50) than rates for 40-year-olds.

Company
Annual Premium
Monthly Premium

Mercury

$293

$24

Mercury

$297

$25

Country Financial

$366

$31

Country Financial

$368

$31

Westfield

$372

$31

Westfield

$405

$34

Mercury

$419

$35

Westfield

$429

$36

Auto-Owners Insurance Co

$439

$37

State Farm

$443

$37

Auto-Owners Insurance Co

$464

$39

State Farm

$468

$39

GEICO

$484

$40

GEICO

$488

$41

American Family

$489

$41

Country Financial

$493

$41

Erie

$493

$41

Progressive

$496

$41

American Family

$496

$41

Erie

$498

$42

Progressive

$525

$44

American Family

$531

$44

Auto-Owners Insurance Co

$549

$46

Progressive

$558

$46

State Farm

$559

$47

GEICO

$560

$47

Travelers

$577

$48

Hanover

$589

$49

Hanover

$599

$50

Travelers

$613

$51

AAA

$624

$52

Erie

$628

$52

Allstate

$635

$53

Allstate

$647

$54

Travelers

$649

$54

AAA

$665

$55

Hanover

$757

$63

Allstate

$789

$66

AAA

$813

$68

Country Financial

$837

$70

Grange Insurance

$840

$70

American Family

$869

$72

American Family

$888

$74

Country Financial

$890

$74

Grange Insurance

$900

$75

Mercury

$922

$77

Auto-Owners Insurance Co

$946

$79

American Family

$954

$79

Auto-Owners Insurance Co

$955

$80

State Farm

$982

$82

Mercury

$984

$82

Westfield

$994

$83

Westfield

$1,011

$84

Progressive

$1,023

$85

Progressive

$1,026

$85

GEICO

$1,048

$87

State Farm

$1,060

$88

Grange Insurance

$1,067

$89

GEICO

$1,151

$96

Erie

$1,154

$96

Country Financial

$1,163

$97

Travelers

$1,164

$97

Erie

$1,165

$97

Travelers

$1,167

$97

Progressive

$1,235

$103

Auto-Owners Insurance Co

$1,260

$105

Westfield

$1,333

$111

State Farm

$1,334

$111

GEICO

$1,347

$112

Allstate

$1,363

$114

Travelers

$1,364

$114

Mercury

$1,365

$114

Allstate

$1,411

$118

AAA

$1,473

$123

Erie

$1,474

$123

AAA

$1,590

$132

Allstate

$1,679

$140

Hanover

$1,695

$141

Grange Insurance

$1,799

$150

Hanover

$1,813

$151

Grange Insurance

$1,823

$152

AAA

$1,984

$165

Grange Insurance

$2,245

$187

Hanover

$2,347

$196

Cheapest Car Insurance in Chicago for Poor Credit

These Chicago companies offer the cheapest full coverage auto insurance for drivers with bad credit:

  • Country Financial: $1,311 per year
  • Mercury: $1,466 per year

At an annual cost of $2,810, Auto-Owners Insurance is the most expensive provider. Chicago drivers with poor credit pay $867, or around 70%, more annually for auto insurance than those with good credit. Finding affordable auto insurance with bad credit is still possible, even though prices are often higher.

Company
Annual Premium
Monthly Premium

Mercury

$419

$35

Mercury

$424

$35

Country Financial

$568

$47

Country Financial

$573

$48

Mercury

$594

$50

Westfield

$674

$56

Progressive

$704

$59

Progressive

$726

$61

Westfield

$737

$61

Country Financial

$778

$65

Westfield

$781

$65

Progressive

$789

$66

Hanover

$827

$69

Hanover

$842

$70

American Family

$869

$72

American Family

$877

$73

Travelers

$910

$76

GEICO

$943

$79

American Family

$946

$79

Travelers

$947

$79

GEICO

$950

$79

State Farm

$962

$80

Allstate

$971

$81

Allstate

$989

$82

Travelers

$998

$83

AAA

$1,000

$83

State Farm

$1,016

$85

AAA

$1,056

$88

Hanover

$1,065

$89

Grange Insurance

$1,077

$90

Erie

$1,090

$91

Erie

$1,100

$92

GEICO

$1,111

$93

Grange Insurance

$1,169

$97

Allstate

$1,197

$100

State Farm

$1,213

$101

Country Financial

$1,238

$103

Auto-Owners Insurance Co

$1,245

$104

AAA

$1,297

$108

Country Financial

$1,311

$109

Auto-Owners Insurance Co

$1,315

$110

Grange Insurance

$1,348

$112

Mercury

$1,369

$114

Erie

$1,370

$114

Mercury

$1,466

$122

American Family

$1,543

$129

Auto-Owners Insurance Co

$1,559

$130

American Family

$1,577

$131

Progressive

$1,621

$135

Progressive

$1,646

$137

American Family

$1,697

$141

Country Financial

$1,753

$146

Westfield

$1,764

$147

Travelers

$1,779

$148

Westfield

$1,791

$149

Travelers

$1,793

$149

Progressive

$1,995

$166

Mercury

$2,022

$168

Travelers

$2,037

$170

Allstate

$2,114

$176

Hanover

$2,127

$177

State Farm

$2,133

$178

Allstate

$2,181

$182

GEICO

$2,182

$182

Hanover

$2,268

$189

Grange Insurance

$2,290

$191

State Farm

$2,302

$192

AAA

$2,305

$192

Grange Insurance

$2,319

$193

Westfield

$2,358

$197

GEICO

$2,409

$201

AAA

$2,477

$206

Allstate

$2,581

$215

Erie

$2,696

$225

Erie

$2,722

$227

Auto-Owners Insurance Co

$2,762

$230

Auto-Owners Insurance Co

$2,810

$234

GEICO

$2,839

$237

Grange Insurance

$2,861

$238

State Farm

$2,898

$241

Hanover

$2,929

$244

AAA

$3,105

$259

Erie

$3,410

$284

Auto-Owners Insurance Co

$3,705

$309

Car insurance companies tend to believe that drivers with bad credit are more likely to make claims, which results in higher premiums. However, there are several methods to lower the cost of insurance if you have bad credit, including finding discounts, bundling your policies and comparing rates from different companies. You'll also be able to get lower rates over time if you raise your credit score.

Cheapest Car Insurance in Chicago for Sports Cars

The following companies offer the cheapest auto insurance for drivers with sports cars in Chicago:

  • American Family: $828 per year
  • Auto-Owners Insurance: $966 per year

Progressive charges the highest rate in the city at $1,697. For full coverage auto insurance, Chicago drivers with standard cars typically pay $1,234 annually, while those with sports cars spend around $1,270 — a relatively minor difference of $36, or 3%, per year.

Company
Annual Premium
Monthly Premium

GEICO

$405

$34

GEICO

$407

$34

Auto-Owners Insurance Co

$437

$36

Auto-Owners Insurance Co

$461

$38

GEICO

$462

$38

State Farm

$469

$39

American Family

$482

$40

American Family

$489

$41

Travelers

$492

$41

State Farm

$496

$41

Travelers

$522

$43

American Family

$524

$44

Auto-Owners Insurance Co

$548

$46

Travelers

$551

$46

State Farm

$596

$50

Progressive

$612

$51

Progressive

$623

$52

Allstate

$641

$53

Allstate

$652

$54

Progressive

$708

$59

Allstate

$796

$66

American Family

$812

$68

American Family

$828

$69

American Family

$890

$74

Auto-Owners Insurance Co

$956

$80

Auto-Owners Insurance Co

$966

$80

Travelers

$1,083

$90

Travelers

$1,097

$91

State Farm

$1,167

$97

GEICO

$1,176

$98

State Farm

$1,263

$105

Auto-Owners Insurance Co

$1,281

$107

Travelers

$1,290

$108

GEICO

$1,357

$113

Progressive

$1,512

$126

GEICO

$1,603

$134

Allstate

$1,621

$135

State Farm

$1,622

$135

Allstate

$1,685

$140

Progressive

$1,697

$141

Allstate

$2,009

$167

Progressive

$2,124

$177

In this analysis, MoneyGeek used a Ford Mustang to represent sports car pricing, but rates can vary by model. In general, sports, electric and luxury cars tend to have higher insurance rates.

Average Cost of Car Insurance in Chicago

In Chicago, the average annual cost of auto insurance is $1,136. This is for full coverage insurance with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Location is one of many variables that affect auto insurance premiums. The average cost of auto insurance in Illinois is $894 per year, which is $242 lower than in Chicago. Illinois's largest city is also more expensive for car insurance than other cities in the state, including Springfield, Joliet and Aurora. However, rates in Chicago are slightly lower than the national average cost of auto insurance of $1,265 per year.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Springfield

$803

$350

Peoria

$818

$370

Naperville

$829

$398

Rockford

$857

$382

Aurora

$858

$403

Elgin

$881

$413

Joliet

$954

$441

Chicago

$1,234

$527

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.