Car Insurance for Chicago in 2022

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Nov 19, 2021

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If you’re looking for cheap car insurance in Chicago, Illinois, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Chicago — or anywhere.

To find the cheapest companies in Chicago, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Chicago driving a 2019 Toyota Camry L.

Read on to find out how auto insurance companies in Chicago stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

Cheapest car insurance companies in Chicago

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Chicago, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

Company
Rate
NerdWallet Rating
Geico$1,170
NerdWallet rating 

4.5

/5
Erie$1,266
NerdWallet rating 

4.0

/5
Travelers$1,335
NerdWallet rating 

5.0

/5
State Farm$1,411
NerdWallet rating 

5.0

/5
Auto-Owners Insurance$1,473
NerdWallet rating 

5.0

/5
Grange$1,501Not yet rated
USAA$1,543
NerdWallet rating 

4.0

/5
Mercury$1,569
NerdWallet rating 

4.0

/5
Encompass$1,646
NerdWallet rating 

3.5

/5
Secura$1,665Not yet rated

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Average car insurance cost in Chicago and Illinois

Rates across Illinois differ from those in Chicago for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Illinois is $1,383, while in Chicago, it's $2,059.

Average city rate
Average state rate
$2,059$1,383

Average cost of car insurance in Chicago’s 10 largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the 10 most populated ZIP codes in Chicago and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP Code
Average Rate
60505$1,406
60608$2,182
60617$2,209
60618$1,941
60623$2,376
60629$2,198
60632$2,163
60639$2,164
60647$2,026
60804$2,025

Cheap car insurance in Chicago by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Chicago for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Chicago pay, on average.

Company
Rate
NerdWallet Rating
Erie$2,285
NerdWallet rating 

4.0

/5
Travelers$2,426
NerdWallet rating 

5.0

/5
Geico$2,525
NerdWallet rating 

4.5

/5
State Farm$2,989
NerdWallet rating 

5.0

/5
Auto-Owners Insurance$3,096
NerdWallet rating 

5.0

/5
Country Financial$3,126
NerdWallet rating 

4.5

/5
Grange$3,245Not yet rated
Encompass$3,367
NerdWallet rating 

3.5

/5
USAA$3,393
NerdWallet rating 

4.0

/5
Secura$3,572Not yet rated

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Chicago, according to NerdWallet’s analysis.

Company
Rate
NerdWallet Rating
Geico$1,170
NerdWallet rating 

4.5

/5
Erie$1,266
NerdWallet rating 

4.0

/5
Travelers$1,335
NerdWallet rating 

5.0

/5
State Farm$1,411
NerdWallet rating 

5.0

/5
Auto-Owners Insurance$1,473
NerdWallet rating 

5.0

/5
Grange$1,501Not yet rated
USAA$1,543
NerdWallet rating 

4.0

/5
Mercury$1,569
NerdWallet rating 

4.0

/5
Encompass$1,646
NerdWallet rating 

3.5

/5
Secura$1,665Not yet rated

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Chicago, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,056
NerdWallet rating 

4.5

/5
Travelers$1,098
NerdWallet rating 

5.0

/5
Erie$1,099
NerdWallet rating 

4.0

/5
Grange$1,158Not yet rated
Mercury$1,248
NerdWallet rating 

4.0

/5
State Farm$1,316
NerdWallet rating 

5.0

/5
USAA$1,366
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$1,393
NerdWallet rating 

5.0

/5
Encompass$1,473
NerdWallet rating 

3.5

/5
Nationwide$1,553
NerdWallet rating 

4.5

/5

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Chicago’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Chicago by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Chicago according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,170
NerdWallet rating 

4.5

/5
Erie$1,266
NerdWallet rating 

4.0

/5
Travelers$1,335
NerdWallet rating 

5.0

/5
State Farm$1,411
NerdWallet rating 

5.0

/5
Auto-Owners Insurance$1,473
NerdWallet rating 

5.0

/5
Grange$1,501Not yet rated
USAA$1,543
NerdWallet rating 

4.0

/5
Mercury$1,569
NerdWallet rating 

4.0

/5
Encompass$1,646
NerdWallet rating 

3.5

/5
Secura$1,665Not yet rated

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Chicago according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Travelers$1,940
NerdWallet rating 

5.0

/5
Mercury$2,063
NerdWallet rating 

4.0

/5
Erie$2,064
NerdWallet rating 

4.0

/5
State Farm$2,100
NerdWallet rating 

5.0

/5
USAA$2,150
NerdWallet rating 

4.0

/5
Progressive$2,345
NerdWallet rating 

5.0

/5
Grange$2,631Not yet rated
Country Financial$2,965
NerdWallet rating 

4.5

/5
Farmers$3,192
NerdWallet rating 

4.5

/5
Auto-Owners Insurance$3,306
NerdWallet rating 

5.0

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Chicago, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Erie$1,730
NerdWallet rating 

4.0

/5
Travelers$1,773
NerdWallet rating 

5.0

/5
State Farm$1,805
NerdWallet rating 

5.0

/5
Geico$2,056
NerdWallet rating 

4.5

/5
Grange$2,087Not yet rated
Auto-Owners Insurance$2,210
NerdWallet rating 

5.0

/5
USAA$2,285
NerdWallet rating 

4.0

/5
Secura$2,424Not yet rated
Encompass$2,558
NerdWallet rating 

3.5

/5
Country Financial$2,842
NerdWallet rating 

4.5

/5

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Shop around to get cheap insurance

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available.

We used a 35-year-old driver (unless a different age is stated) and a 2019 Toyota Camry L and assumed 12,000 annual miles driven.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are rates generated through Quadrant Information Services. Your own rates will be different.