Chicago Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Illinois has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Chicago typically pay around $124.85 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Chicago, IL Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Chicago coming in around $101.58 per month. Other companies to consider if you live in Chicago is Clearcover with an average cost of $114.54 per month and State Farm which typically runs around $123.42 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Chicago.

How Much is Car Insurance in Chicago, IL?

Rates can vary from city to city. The residents of Aurora typically pay $99.09 per month while people who live in Bloomington will pay $88.31 per month on average. See what people pay for car insurance in other cities in Illinois.

Cheap Car Insurance in Chicago by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Illinois. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Chicago

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $272.90 per month in Chicago. Compare that to drivers in their 30’s who typically pay around $114.12 per month drivers in their 40s at $109.22 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Chicago

If you are teen in Chicago you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Clearcover typically charges around $67.92 per month. This is likely the most affordable option in Chicago. You might also want to consider Direct Auto and SECURA Insurance who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Chicago

20 year-olds in Chicago might want to consider Direct Auto who, on average, offers car insurance rates around $114.97 per month. Esurance , SECURA Insurance , State Farm and Clearcover are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Chicago

If you are in your 30s in Chicago our research has found that Direct Auto typically has the most affordable coverage coming in around $87.46 per month, followed by Clearcover at $100.42 and State Farm at $115.60.

Cheapest Insurance for 40 Year-olds in Chicago

On average, Direct Auto offers car insurance for 40 year-olds in Chicago for around $79.91 per month. If you are looking for affordable coverage, you may also want to consider Clearcover or Kemper Auto Premium. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Chicago

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Chicago we found that Direct Auto generally offers the most affordable coverage at $79.56 per month.

Cheapest Insurance for 60 Year-olds in Chicago

If you live in Chicago and you’re in your 60s, our data indicates that Kemper Auto Premium usually has the best rates at $75.78 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Chicago, IL

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Chicago, the average monthly rate for a driver who is currently insured is $117.99 while drivers who are not currently covered will pay around $130.42.

Compare Recent Car Insurance Quotes in Chicago

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Chicago a driver of a 2017 Lincoln Navigator can expect to pay around $108.47 per month while someone that owns a 2015 Nissan Juke may pay around $225.84 per month. Check out the list of recent quotes in Chicago below.

FAQ's for Drivers in Chicago, IL

Chicago Auto Insurance Requirements

Auto liability insurance coverage is required when you drive a car in Chicago.

What is the Minimum Amount of Liability Coverage Requirement in Chicago?

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

What is the Blood Alcohol Concentration (BAC) Limit in Chicago?

The legal blood alcohol content (BAC) level limit is .08% in Illinois and every state. If you have a .08% BAC level and are driving, you could be convicted of a DUI or DWI. Any person convicted of a DUI in Illinois faces up to one year in prison and a fine of up to $2,500. Even with a DUI or DWI on your driving record it is possible to get lower auto insurance rates with SmartFinancial’s help. It takes just a few minutes to save money on your car insurance.

Can I Register My Car Without Insurance in Chicago?

When the registration on a car is valid, your liability insurance coverage must be current and in full effect. It is important to pay your auto insurance bills as agreed. This is true even if you do not use the car. The insurance must be issued by an insurance company that is authorized by the Illinois Department of Insurance and certified by the Illinois State DMV. The insurance for your car must be issued in the name of the vehicle registrant as well. So stay current with your vehicle registration and your car insurance. Put both in your name. You want everything i:n order as you drive the streets of Chicago.

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