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Average Cost of Car Insurance in Chicago

Chicago$1,134
Illinois$1,134
U.S.$1,424

Car insurance in Chicago is not cheap. The average car insurance rate in Chicago is $1,134 annually. The average cost in the state of Illinois is also $1,134. In comparison, the national average car insurance premium is $1,424.

Of course, the final car insurance cost varies from person to person. Car insurance in Chicago is calculated depending on different personal factors.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Cheap Car Insurance Companies in Chicago

In Chicago, GEICO offers the cheapest average annual rate at $789. In contrast, the most expensive average rate in the city comes from AAA — $1,669. These rates are subject to change, depending on your unique situation. Additionally, your car insurance rates can go higher if you’ve received driving violations or have been involved in an accident after receiving your initial auto insurance rate. You may use the average auto insurance rates in Chicago as an initial reference for your possible annual premium, but it is best to consult with the companies directly for a personal evaluation to see how the rates will change for you.

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Personalized Quotes to Get You the Cheapest Car Insurance in Chicago

The average insurance rates per company may still increase or decrease depending on your history and personal profile. The riskier your profile is, the higher your premiums will cost. Some of the factors affecting your profile are your driving history, ZIP code and credit score.

It is imperative that you get personalized car insurance quotes in Chicago to get a good read on how your unique circumstances will affect your insurance premiums. Consulting directly with insurance companies will also clue you in on if there are discounts you may qualify for, rebates or other promos that the insurance company may offer.

Compare Car Insurance Rates in Chicago

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Chicago by Coverage Amount

How much car insurance coverage you purchase in Chicago also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

Illinois Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.

In the state of Illinois, drivers are required to follow a minimum liability coverage of $20,000 per bodily injury coverage per person, $40,000 bodily injury per incident and $15,000 in property damage coverage per incident, among other coverage requirements. This means that the minimum liability coverage is 20/40/15.

You can choose a policy with every possible option, as long as it meets the minimum requirement. That means that you can also purchase 50/100/50 policies, or $50,000 per bodily injury coverage per person, $100,000 bodily injury coverage per incident and $50,000 in property damage coverage per incident.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Chicago if You Have Tickets

Your driving history will affect the cost of your auto insurance premiums. To illustrate this, if a Chicago resident utilizes AAA for auto insurance, their average premium may be $1,669 without any violations. If they receive a DUI, that premium may increase to $6,404.

If you get a DUI, the premium increase varies by company and may vary even further depending on how many offenses you already have in the year.

Average Cost of Car Insurance by Postal Code

Your Chicago ZIP code has a hand in determining the average auto insurance premiums you will need to pay. In some areas, it is riskier to own a car due to threats of car theft, accidents and more. In Chicago, the three ZIP codes with the most affordable car insurance are 60657, 60018 and 60625. If you live in 60628, you'll likely be paying the most for auto insurance in Chicago — $1,267.

  • Zip Code
    State Minimumper year
  • 60657
    $1,001
  • 60618
    $1,080
  • 60625
    $1,094
  • 60647
    $1,114
  • 60634
    $1,120
  • 60617
    $1,188
  • 60629
    $1,209
  • 60628
    $1,267
iconribbontop ratedCar Insurance agentsChicago2021

Top Agents Offering Affordable Car Insurance in Chicago

1. Jenny Tola - State Farm Insurance Agent4083 N Broadway St, Chicago, IL, 60613
35 ratings
2. John Kim - State Farm Insurance Agent5814 N Lincoln Ave, Chicago, IL, 60659
14 ratings
3. Plageman Agency - American Family Insurance2828 N Clark St, Ste 112, Chicago, IL, 60657
12 ratings
4. Brendon Studzinski - State Farm Insurance Agent2748 N Ashland Ave, Chicago, IL, 60614
11 ratings
5. Michael Kane | Kane Insurance Group4016 N Lincoln Ave, Chicago, IL, 60618
10 ratings

Factors That Impact Insurance Costs in Chicago

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Chicago. How Chicago ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities218th/300
handcuffs2 icon
Most Car Thefts101st/300
uninsured icon
Most Uninsured Motorists by State18th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall131st/300
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Most Rainy Days53rd/300

Shopping around for car insurance in Chicago could save you $345, which is enough to buy:


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115Cups of Coffee
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27Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Chicago are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Chicago

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.


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