Cheapest Car Insurance in Chicago, Illinois (2022)
The average Chicago driver pays $ 107 per calendar month for minimal indebtedness car policy, slightly higher than the Illinois average of $ 101 per calendar month. Our analysis found that State Farm has the overall bum car insurance rates for the average Chicago driver .
however, your ideal insurance company may vary depending on your singular driver profile and needs .
Cheapest car insurance in Chicago
Drivers who prioritize affordability should start their car indemnity patronize with State Farm and Country Preferred, which offer the cheapest minimal indebtedness policies. Current or erstwhile military members and their households qualify to receive a rate from USAA, which has comparably cheap premiums .
For drivers with expensive or new cars, we recommend that you opt for extra coverage or a higher liability limit. In the event that you get into a car accident, your minimum liability policy will only be sufficient to reimburse the other driver and not your own cable car.
| Company | Average monthly rate |
|---|---|
| State Farm | $56 |
| Country Preferred | $76 |
| Progressive | $81 |
| American Family | $82 |
| Chicago average | $107 |
| Allstate | $120 |
| Standard Fire | $124 |
| GEICO | $137 |
| Illinois Farmers | $227 |
| USAA | $61 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance in Chicago
A full-coverage policy is n’t cheap, but you can find low-cost premiums from State Farm and Progressive. USAA is besides cheap, but only qualified military members and their family members can sign up for a policy .
When deciding which policy is best for you, hera ‘s what you need to know : full-coverage policies are expensive because they not alone include the minimum state-required car policy coverage, but besides collision and comprehensive auspices .
Collision coverage reimburses you if your car is damaged in a crash, while comprehensive coverage insures you against “ acts of God ”, or wrong caused by events out of your control. This includes larceny, natural disasters and vandalism .
| Company | Average monthly rate |
|---|---|
| State Farm | $126 |
| Progressive | $154 |
| Country Preferred | $170 |
| American Family | $173 |
| Chicago average | $231 |
| Standard Fire | $233 |
| Allstate | $319 |
| GEICO | $338 |
| Illinois Farmers | $431 |
| USAA | $136 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for young drivers in Chicago
Age and experience are two factors that policy companies use heavily to weigh how hazardous you would be to insure. Given this information, it ‘s no surprise that newly drivers and teens frequently find it unmanageable to get cheap rates. Our inquiry shows that State Farm and Country Preferred have the cheapest rates for youthful drivers .
The premiums offered by even the most cheap companies are hush quite expensive, which is why we recommend you do the following :
- Sign onto an older family member’s insurance policy. This is much cheaper than having two separate policies, as your older family member is taking some responsibility and risk by adding you to their policy.
- Look into discounts you can qualify for. Students who achieve good grades, complete defensive driving classes or are affiliated with select professional organizations can receive savings on their insurance policies.
- Compare companies. As our data shows, the difference in rates between the cheapest and most expensive companies varies by hundreds of dollars per month. The best thing you can do is shop around and get a comprehensive view of all your options so you can make a sound decision.
| Company | 16 years old | 18 years old | 20 years old |
|---|---|---|---|
| Allstate | $736 | $629 | $650 |
| American Family | $658 | $658 | $433 |
| Country Preferred | $601 | $428 | $331 |
| GEICO | $1,039 | $771 | $542 |
| Illinois Farmers | $1,169 | $995 | $824 |
| Progressive | $712 | $503 | $345 |
| Standard Fire | $1,259 | $777 | $499 |
| State Farm | $497 | $379 | $287 |
| USAA | $488 | $341 | $274 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
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Find the cheapest cable car policy rates in Chicago
Cheapest car insurance for older drivers in Chicago
As you accumulate more feel and maturity, insurance companies will see you as a safe driver to insure. With age, your indemnity prices tend to decrease. For older drivers, we recommend checking out a policy from State Farm and Progressive, which offer some of the best rates as you get older .
many insurance companies offer discounts to aged drivers. This includes discounts for veterans, drivers of a specific historic period bracket and low-mileage discounts if you don ’ metric ton drive your car frequently.
| Company | 50 years old | 60 years old | 70 years old |
|---|---|---|---|
| Allstate | $286 | $288 | $227 |
| American Family | $158 | $158 | $162 |
| Country Preferred | $146 | $142 | $157 |
| GEICO | $269 | $261 | $321 |
| Illinois Farmers | $384 | $265 | $257 |
| Progressive | $127 | $127 | $147 |
| Standard Fire | $204 | $182 | $220 |
| State Farm | $119 | $112 | $118 |
| USAA | $115 | $114 | $128 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Cheapest car insurance for bad drivers in Chicago
Drivers who have accidents, DUIs or speeding tickets on their records are considered bad by policy companies. It wo n’t be surprise to hear that if you have an incident on criminal record, your monthly policy premiums will be a set higher than person with a clean history .
Cheapest full-coverage car insurance for drivers after an accident
Accidents stay on your read for three to five years. angstrom long as you drive safely and do n’t have another accident during that time human body, the incident will fall off your record. You could besides purchase accident forgiveness, an addition that some indemnity companies offer to excuse your first at-fault accident .
| Company | Average monthly rate |
|---|---|
| State Farm | $150 |
| Progressive | $245 |
| Country Preferred | $261 |
| American Family | $261 |
| Standard Fire | $307 |
| GEICO | $547 |
| Allstate | $561 |
| Illinois Farmers | $643 |
| USAA | $197 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance for drivers with a DUI
insurance companies take DUIs very seriously. If you ‘re found guilty of driving under the charm in Chicago, your indemnity rate may increase by american samoa much as 45 %. You may flush be required to file an SR-22 phase .
| Company | Average monthly rate |
|---|---|
| State Farm | $138 |
| Progressive | $171 |
| Country Preferred | $273 |
| American Family | $311 |
| Standard Fire | $341 |
| Allstate | $485 |
| Illinois Farmers | $610 |
| GEICO | $610 |
| USAA | $292 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance for drivers with a speeding ticket
Like accidents, speeding tickets typically fall off your record in three to five years. If you are hurriedly trying to get a tag removed, however, you can contest the ticket in court to get it removed or seek out other means of saving on your indemnity rate, like discounts .
| Company | Average monthly rate |
|---|---|
| State Farm | $138 |
| Illinois Farmers | $635 |
| Progressive | $191 |
| American Family | $206 |
| Country Preferred | $228 |
| Standard Fire | $288 |
| GEICO | $397 |
| Allstate | $408 |
| USAA | $173 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Car insurance requirements in Illinois
Illinois has a minimum liability coverage necessity known as 25/50/20. This rule means each policy must include at least :
- Bodily injury liability (BIL): $25,000 per person/$50,000 per accident
- Property damage liability (PDL): $20,000
- Uninsured motorist bodily injury (UMBI) liability: $25,000 per person/$50,000 per accident
SR-22 requirements in Illinois
Drivers found guilty of operating a vehicle under the charm, getting into an accident without insurance, failing to pay damages for an at-fault accident or receiving besides many traffic citations might be asked to file an SR-22. An SR-22 shape is filed by your policy party and certifies that you meet the submit ‘s minimum insurance requirements .
You have to endlessly maintain SR-22 requirements for three years, and then you can contact your indemnity company to notify them that you nobelium longer need it .
Methodology
We compared rates provided by Quadrant Information Services from multiple different insurance companies for 30-year-old male drivers with a 2012 Honda Accord LX. Our driver profiles have clean driving records and drive approximately 13,500 miles a class. Coverage includes the state liability minimum of 25/50/20 and 25/50 underinsured motorist bodily injury coverage.
When discussing a full-coverage policy, we increased the liability limits to 100/300/100 and retained the 25/50 uninsured motorist coverage. We besides included a $ 500 comprehensive examination and collision deductible .