Cheapest Car Insurance in Chicago, IL for 2022

If you ’ rhenium looking for cheap car policy 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 car indemnity, 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 ’ second why shopping around is your best stake to getting the cheapest cable car policy in Chicago — or anywhere. To find the cheapest companies in Chicago, NerdWallet looked at average entire 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 car insurance companies in Chicago stack up. You can besides check out our list of the cheapest car policy 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 policy companies based on average rates for a 35-year-old driver with good accredit and a uninfected 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 fink

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

erie $ 1,266 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

Travelers $ 1,335 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

department of state farm $ 1,411 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Auto-Owners insurance $ 1,473 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

grange $ 1,501 not yet rated
USAA $ 1,543 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

mercury $ 1,569 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

embrace $ 1,646 NerdWallet military rank

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.5 /5

Secura $ 1,665 not so far rated

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Average car insurance cost in Chicago and Illinois

Rates across Illinois disagree from those in Chicago for lots of reasons. The number of accidents, the type of roads and even the upwind can affect the rates drivers are charged. According to NerdWallet ’ s most late analysis, the average pace 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 car indemnity varies based on where you live, even from one region 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 ’ sulfur analysis, here are the 10 most populate ZIP codes in Chicago and the average annual cost of cable car indemnity for a 35-year-old driver with good credit and a clean drive 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 old age is another major factor in the price you pay for car policy. For example, younger drivers normally pay more than older drivers with exchangeable 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 senesce. here ‘s a breakdown of prices in Chicago for exchangeable drivers at assorted ages, according to NerdWallet ’ s most late analysis.

Cheapest for 20-year-olds

While adolescent drivers are the most probably 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 besides pay more for car indemnity. According to NerdWallet ’ s most recent analysis, hera ‘s what 20-year-olds in Chicago pay up, on average .

Company

Rate

NerdWallet Rating

erie $ 2,285 NerdWallet military rank

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

Travelers $ 2,426 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Geico $ 2,525 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

country farm $ 2,989 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Auto-Owners policy $ 3,096 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Country Financial $ 3,126 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

grange $ 3,245 not even rated
embrace $ 3,367 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.5 /5

USAA $ 3,393 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

Secura $ 3,572 not 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 insurance company you found in your 20s may no farseeing be the best manage. 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 rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

erie $ 1,266 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

Travelers $ 1,335 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

state farm $ 1,411 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Auto-Owners insurance $ 1,473 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

grange $ 1,501 not yet rated
USAA $ 1,543 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

mercury $ 1,569 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

embrace $ 1,646 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.5 /5

Secura $ 1,665 not yet rated

Cheapest for 60-year-olds

At age 60, your car insurance rates are about deoxyadenosine monophosphate low as they ‘re going to get if your history is clean. Most drivers in this old age group have lots of experience on the road and established driving records, so insurers know what they ‘re getting into and charge less consequently. That does n’t mean you wo n’t be able to save money by bundling or tapping into early discounts, sol sustain shopping about. Below are the cheapest companies, on average, in Chicago, according to NerdWallet ’ s most holocene analysis .

Company

Rate

NerdWallet Rating

Geico $ 1,056 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Travelers $ 1,098 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

lake erie $ 1,099 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

grange $ 1,158 not yet rated
mercury $ 1,248 NerdWallet military rank

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

state of matter farm $ 1,316 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

USAA $ 1,366 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

Auto-Owners policy $ 1,393 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

embrace $ 1,473 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.5 /5

countrywide $ 1,553 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

See what you could save on car insurance

well compare personalized rates to see how much throw cable car indemnity could save you.

ZIP Code

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Chicago’s cheapest companies and rates by driving record

Your driving history besides plays a large character in your car policy rate. Drivers who have clean records will normally pay less than those with accidents, speeding tickets or other violations. Again, comparing indemnity companies is your best bet to getting the lowest pace. According to NerdWallet ’ randomness analysis, these are the average rates in Chicago by company for good drivers and those with violations on their criminal record.

Good drivers

Drivers without any marks on their records are about always going to pay the lowest prices for car policy when compared to drivers with an accident or driving misdemeanor. Insurers set rates based on the likely risk of you filing a claim, and good drivers are considered among the least hazardous. here are the average rates for well drivers in Chicago according to NerdWallet ’ s most late analysis .

Company

Rate

NerdWallet Rating

Geico $ 1,170 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

erie $ 1,266 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

Travelers $ 1,335 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

department of state farm $ 1,411 NerdWallet rating

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Auto-Owners indemnity $ 1,473 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

grange $ 1,501 not even rated
USAA $ 1,543 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

mercury $ 1,569 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

embrace $ 1,646 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.5 /5

Secura $ 1,665 not so far rated

Drivers with a DUI

Drivers with a DUI can struggle to find low-cost policy and may need to turn to a bad car insurance company. A DUI on your record means you should expect to pay well more than a driver without one. here are the average rates for drivers with a DUI in Chicago according to NerdWallet ’ s most late analysis .

Company

Rate

NerdWallet Rating

Travelers $ 1,940 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

mercury $ 2,063 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

erie $ 2,064 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

state farm $ 2,100 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

USAA $ 2,150 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

progressive $ 2,345 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

grange $ 2,631 not even rated
Country Financial $ 2,965 NerdWallet rating

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Farmers $ 3,192 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Auto-Owners indemnity $ 3,306 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Drivers with an at-fault accident

If you ‘ve got an at-fault accident on your read, you ‘ll pay more than a driver with a clean record, but probable less than person 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 military rank

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

Travelers $ 1,773 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

state grow $ 1,805 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Geico $ 2,056 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

grange $ 2,087 not yet rated
Auto-Owners policy $ 2,210 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

USAA $ 2,285 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

Secura $ 2,424 not however rated
embrace $ 2,558 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.5 /5

Country Financial $ 2,842 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

See what you could save on car insurance

easily compare personalized rates to see how much switch car policy could save you.

ZIP Code

Get started on Insure.com

Shop around to get cheap insurance

No topic what company you ‘re presently getting car indemnity 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 insurance company. Be certain to take advantage of potential discounts. many insurers offer car indemnity discounts for things like bundling other types of insurance with your car 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 indemnity companies in each country ; smaller insurers were besides 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 unlike 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 wrong indebtedness 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, minimal extra coverages were added. Some policies include extra coverages at the insurance company ’ mho discretion. We used the same assumptions for all other driver profiles, with the trace 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 barge in that happened six months ago, resulting in $ 10,000 in property damage and no bodily wound claim .
  • For drivers with a DUI, we added a individual bibulous driving rape that happened six months ago .

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

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