Best & Cheapest Car Insurance Quotes in Chicago

Best cheap car insurance companies in Chicago, IL

Cheapest car insurance in Chicago: State Farm

That's 46% cheaper than the city average of $194.

Chicago is the largest city in Illinois and the third biggest city in the country, which is why the city’s car insurance rates tend to be higher than the state average. Insurance rates in Chicago are $50 per month more expensive than the state average.

Cheapest full-coverage car insurance in Chicago

Cheapest liability insurance quotes in Chicago: State Farm

Country Financial, Travelers and Progressive also have rates cheaper than the city average of $81 per month.

Cheapest liability insurance quotes in Chicago

Cheapest auto insurance for young drivers: State Farm

Country Financial has the next cheapest policy, with an average quote of $369 per month, which is $45 more than State Farm.

Monthly car insurance rates for young drivers

There are other ways to save money if your income is low or if these rates are out of your desired price range. One of the most important actions you can take is to look at other companies outside of this list.

A measure that all drivers should take is to look for discounts. Most insurance companies offer discounts, some of which you may currently qualify for:

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Cheapest car insurance after a speeding ticket: State Farm

State Farm has the lowest rates for drivers with a speeding ticket in Chicago, with an average cost of $114 per month for full coverage. That's less than half the price of the city average.

Cheapest car insurance in Chicago after a speeding ticket

On average, a speeding ticket will raise the price of insurance in Chicago by 29%.

Cheapest car insurance for drivers with prior accidents: State Farm

State Farm has by far the lowest rates for Chicago drivers after an at-fault accident. Its average cost of $124 per month for full coverage is 39% cheaper than the second-cheapest major company.

Cheapest car insurance after accidents

Accidents will have one of the biggest effects on your auto insurance rates. If you have a history of accidents, your insurance company will probably increase prices, as it sees you as a higher risk. Certain companies in Chicago increase insurance costs by only 7%, while others raise them by more than 85%.

In the event that you are involved in an accident, you will not only see a base price increase but also could lose certain discounts. A driver with a clean driving history can consider investing in accident forgiveness. It can protect you from the egregious price hikes that come with getting into an accident. However, the accident will still be on your record.

Cheapest Chicago car insurance after a DUI: State Farm

State Farm has the cheapest rates for Chicago drivers after a DUI conviction, with an average of $114 per month for full coverage. That's a monthly savings of $57.

Cheapest car insurance in Chicago after a DUI

A DUI is one of the most serious offenses you can commit. On average, a DUI raises the price of a car insurance policy by 57% in Chicago.

Cheapest car insurance for Chicago drivers with poor credit: Travelers

Travelers is the cheapest option for car insurance for Chicago drivers with bad credit. The company's rate of $220 per month for full coverage edges out the second-cheapest option, State Farm.

Cheapest car insurance quotes for poor credit

In Chicago, you'll pay an average of 71% more if you have bad credit.

Your credit score doesn't have anything to do with your ability to drive. However, insurance companies say drivers with poor credit tend to file more claims and are more expensive to cover.

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Cheapest car insurance for married drivers: State Farm

State Farm has the lowest rates in Chicago for married drivers, with an average of $106 per month, despite not giving a discount to married drivers. Progressive gives the biggest discount to married drivers, at 16%.

Cheapest car insurance for married drivers in Chicago

In Chicago, married drivers pay 6% less for full coverage. Married drivers are statistically less likely to get into an accident and thus pay lower rates.

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Best car insurance company in Chicago by customer service

The company gets a low rate of complaints and sits atop J.D. Power's claims satisfaction survey. However, USAA is only available to military members, veterans and their families.

If you are not eligible for USAA, State Farm is another good company in Chicago.

Best car insurance companies in Chicago, IL

Price and customer service are equally important when it comes to determining which insurance company you should buy a policy from. Nothing builds trust more than seeing a company put in the work to make sure that the claims process is smooth and all your questions are answered.

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How car insurance costs change by neighborhood in Chicago

Where you live in the city can impact your rates, with factors like crime and uninsured drivers raising the price of a policy. In Chicago, the difference between the cheapest and most expensive ZIP codes is $68 per month.

Minimum auto insurance requirements in Illinois

Almost all of the 50 states have a minimum amount of coverage all drivers are required to hold to be able to legally drive. In Illinois, the amount of coverage you need to carry is higher than in most other states but overall is still a small amount of car insurance to adequately protect you.

Frequently asked questions

Methodology

ValuePenguin collected quotes from top insurance companies across Chicago. Unless otherwise stated, quotes are for a 30-year-old man with a 2015 Honda Civic EX, good credit and a clean driving record.

Minimum coverage rates match the state minimums in Illinois, while full coverage policies include more liability coverage, plus comprehensive and collision.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.