Cheapest Car Insurance In Chicago, IL 2024
For minimum coverage in Chicago, Auto- Owners has the best rate, with an average cost of $38 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
The search for budget-friendly car insurance in Chicago, IL, often presents a wide range of choices.
For drivers wanting the lowest-cost liability coverage, Auto- Owners leads the way. Those who need full coverage can find the best rates with Country Financial, while young drivers also get the lowest premiums with Country Financial.
Cheapest Car Insurance In Chicago, IL 2024
Cheapest Liability-only Car Insurance In Chicago: Auto-Owners
For drivers in Chicago, Auto-Owners delivers the cheapest minimum coverage, with a typical monthly premium of $38.
See the table below to compare rates offered by different insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $38 | $446 |
| State Farm | $39 | $470 |
| Allstate | $55 | $657 |
| Progressive | $43 | $510 |
| GEICO | $42 | $499 |
Cheapest Full Coverage Insurance Rates In Chicago: Country Financial
For full coverage in Chicago, Country Financial stands out with the lowest average rate of $76 per month.
The table below highlights average insurance quotes from low-cost providers in Chicago.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $76 | $910 |
| Auto-Owners | $81 | $970 |
| GEICO | $97 | $1,165 |
| State Farm | $91 | $1,090 |
| Farmers | $118 | $1,420 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
Seniors in Chicago can find the cheapest car insurance with Auto-Owners, which averages $80 per month.
Check the table below for average quotes from the most budget-friendly auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $950 |
| Progressive | $86 | $1,035 |
| GEICO | $88 | $1,060 |
| State Farm | $83 | $990 |
| Allstate | $114 | $1,370 |
Cheapest Rates In Chicago For Teenagers: State Farm
Teenage drivers in Chicago will find the best rates with State Farm, where monthly premiums average $212.
The following table displays the insurance companies with the lowest rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $212 | $2,540 |
| Travelers | $226 | $2,716 |
| Auto-owners | $571 | $6,850 |
| Allstate | $256 | $3,070 |
| Progressive | $215 | $2,580 |
Cheapest Auto Insurance For Young Adults in Chicago: Country Financial
The lowest rates for young adults in Chicago come from Country Financial, with an average monthly premium of $98.
Below is a table to help you compare affordable auto insurance options for young adults in Chicago.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $98 | $1,172 |
| State Farm | $112 | $1,349 |
| Travelers | $114 | $1,370 |
| Auto-Owners | $107 | $1,278 |
| Allstate | $140 | $1,683 |
Cheapest Car Insurance In Chicago For Good Drivers: Auto-Owners
For good drivers in Chicago, Auto-Owners provides the lowest car insurance quotes, costing approximately $38 monthly.
If you’re a safe driver, use the table below to view average quotes from affordable insurers.
| Provider | Average Monthly Cost | AverageAnnual Cost |
| Auto-Owners | $38 | $446 |
| State Farm | $39 | $470 |
| Allstate | $55 | $657 |
| Progressive | $43 | $510 |
| GEICO | $42 | $499 |
Find Affordable Chicago Rates
Cheapest Car Insurance In Chicago After A Speeding Ticket: Auto-owners
For drivers with a speeding ticket, Auto-owners offers some of the cheapest rates in Chicago, averaging $90 per month.
Below is a table listing average rates for drivers who’ve received a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-owners | $90 | $1,070 |
| Country Financial | $97 | $1,167 |
| State Farm | $98 | $1,172 |
| Allstate | $155 | $1,860 |
| GEICO | $119 | $1,424 |
Cheapest Rates In Chicago For Drivers After A DUI: State Farm
State Farm is the top choice for affordable rates after a DUI, offering Chicago drivers an average monthly premium of $98.
Check the table below to find the lowest rates for Chicago drivers who have a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $98 | $1,175 |
| Country Financial | $99 | $1,186 |
| Allstate | $184 | $2,210 |
| Auto-Owners | $155 | $1,860 |
| Travelers | $160 | $1,920 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
At an average of $104 per month, Auto-Owners offers the lowest car insurance rates for drivers with an at-fault incident.
Below are the car insurance companies that provide the cheapest rates for drivers with an at-fault incident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $104 | $1,239 |
| GEICO | $144 | $1,730 |
| State Farm | $108 | $1,299 |
| Allstate | $196 | $2,350 |
| AAA | $181 | $2,170 |
Best Car Insurance Companies In Chicago
Chicago drivers can obtain insurance for $38 a month with Auto-Owners, making it the most affordable choice. You may also want to consider Country Financial for $39 a month and State Farm for $40.
Here are the ten best car insurance companies in Chicago, IL, ranked based on their average monthly costs.
| Company | Monthly Premium |
| Auto-Owners | $38 |
| State Farm | $40 |
| Allstate | $55 |
| Progressive | $43 |
| GEICO | $42 |
| Country Financial | $39 |
| Travelers | $51 |
| AAA | $58 |
| Hanover | $53 |
| American Family | $44 |
Average Auto Insurance Rates In Chicago – By Age
Car insurance rates are heavily influenced by a driver’s age. Generally, younger drivers encounter higher costs because of their lack of experience and a greater likelihood of accidents and traffic offenses. Teenagers can expect their insurance to average around $3,008 per year.
When drivers reach the age of 25, their rates usually start to decline, given that they have a clean driving history.
Insurance rates tend to be most competitive for drivers in their 50s and early 60s. Age serves as a criterion for insurance companies to evaluate driving experience and risk, thereby affecting premium costs.
| Age | Average Yearly Rate |
| Teenagers | $3,008 |
| 20s | $1,986 |
| 30s | $1,521 |
| 40s | $1,496 |
| 50s | $1,375 |
| 60s | $1,351 |
| 70s | $1,463 |
Average Rates In Chicago – By Vehicle
The type of car you have greatly affects your insurance expenses. Insurance providers consider details like the make, model, year, and body style of the vehicle. In most cases, newer cars—particularly luxury models with advanced features and higher replacement values—carry more expensive insurance premiums.
Check the table below to find the average insurance costs in Chicago based on various vehicles.
| Vehicle | Average Monthly Rate |
| Audi Q8 | $334 |
| Ford Fiesta | $281 |
| Toyota Scion Xa | $95 |
| Volkswagen Jetta | $345 |
| Chevrolet Malibu | $292 |
Average Cost Of Auto Insurance In Chicago – By Zip Code
By analyzing zip codes, insurers can determine crime rates in different areas, which is why car insurance rates differ from one zip code to another.
Check the table below to find average insurance rates associated with different Chicago zip codes.
| Zip Code | Average Monthly Rate |
| 60624 | $156 |
| 60652 | $148 |
| 60615 | $137 |
| 60625 | $110 |
| 60637 | $139 |
How Much Is Car Insurance In Other Cities in Illinois?
| City | Average Monthly Rate |
| Evanston | $115 |
| Joliet | $124 |
| Bloomington | $111 |
| Springfield | $113 |
| Rockford | $113 |
| Champaign | $101 |
| Decatur | $111 |
| Aurora | $119 |
| Naperville | $113 |
| Peoria | $110 |
Find Affordable Chicago Rates
Our Methodology
Drawing from a thorough analysis that examines customer service ratings, product selections, pricing, and feedback from various online review sites, I've put together a detailed perspective on car insurance providers in Chicago, IL.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Chicago?
For minimum coverage as required by the State of Illinois, Auto-Owneres offers the lowest rates in Chicago, while Country Financial provides the best prices for full coverage, including comprehensive and collision insurance.
What is the average cost of car insurance in Chicago?
The city you live in can impact your auto insurance coverage rates. However, on average most Chicago drivers can expect to pay around $140 monthly for a full coverage car insurance policy.
