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How much does auto insurance cost in Chicago?


The average car insurance rate in Chicago is $1,711 per year. That's more expensive than the average in Illinois ($1,303) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Chicago.


AUTO INSURANCE COSTS: CHICAGO VS. STATE AND US AVERAGES
Chicago Average (yearly) Illinois Average National Average
$1,711 $1,303 $1,548

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Chicago auto insurance rates by company


One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical insurance customer, GEICO provides Chicago's cheapest rates. Reference below the top options for affordable insurance in Chicago. Don't forget to gather car insurance quotes based on your unique driving profile.


CHICAGO CAR INSURANCE RATES BY COMPANY
Company Average Annual Rate
GEICO $1,151
Country $1,427
State Farm $1,504
American Family $1,770
Progressive $1,876

Consult our expert guide to the best cheap car insurance companies.



Chicago auto insurance premiums by age

The best age for car insurance rates as a driver in Chicago is your 50s: drivers in this age group pay an average of $1,488per year. Those in their 60s don't pay significantly more ($1,519).

Teenage drivers pay Chicago's most expensive auto insurance rates. When Chicago drivers hit their 20s, their insurance rates drop substantially. In Chicago, teenage drivers pay $6,358 — a full $4,839 more than the second-most expensive rate paid by an age group.


CAR INSURANCE RATES BY AGE TIER IN CHICAGO
Age bracket Average Yearly Rate
Teenagers $6,358
20s $2,366
30s $1,668
40s $1,604
50s $1,488
60s $1,519
70s $1,846

Learn more about the impact of age on auto insurance rates.



Chicago auto insurance costs by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Chicago pay $164 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Chicago, single drivers pay more than those who are widowed.

Gender is another factor that can affect auto insurance rates. In Chicago, female drivers pay $5 per year more than do male drivers.


CHICAGO AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/Gender Average Yearly Rate
Female $1,716
Male $1,711
Single $1,547
Married $1,547
Divorced $1,711
Widowed $1,681

Learn more about how gender and marital status have on car insurance rates.



Chicago car insurance rates by violation history


No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as car insurance companies reward low-risk drivers with the gift of affordable rates.

Chicago drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,000 per year versus the city average. A ticket for speeding results in a $480 rate hike while a DWI or DUI violation costs $921per year in extra insurance expenditures.


CHICAGO CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident Average Annual Rate
DWI/DUI $2,632
Reckless Driving $2,712
At-fault Accident (damages less than $1,000) $2,547
At-fault Accident (damages greater than $2,000) $2,747
Speeding Ticket (16-20 mph over speed limit) $2,191

Learn more about the impact of driving violations on car insurance rates.



Chicago car insurance rates by credit level


An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Chicago drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 58% decrease in their auto insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Chicago, moving into the "Fair" credit tier corresponds to an average of $1,337 in savings on insurance each year.


CHICAGO AUTO INSURANCE RATES BY CREDIT TIER
Credit Score Average Annual Rate
Very Poor $3,349
Fair $2,012
Good $1,711
Very Good $1,565
Exceptional $1,409

Learn more about the relationship between poor credit and car insurance.



What drives up car insurance rates in Chicago?

Where you live in Chicago affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Chicago is no exception to the rule. From ZIP code 60657 to 60636, premiums rise by 52 percent—that's $572.

Expensive Chicago ZIP codes: 60644, 60623, 60624, 60621, 60636

Cheap Chicago ZIP codes: 60657, 60614, 60611, 60601, 60018

Chicago Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Chicago, you can expect 124 rainy days with an annual rainfall of 36.9 inches. Chicago is also known to experience thunderstorms and severe winter storms.

124

Rainy Days a Year

37"

Avg. Annual Rainfall

37"

Avg. Annual Snowfall

Be Prepared For

Driving in Chi-Town

Major Highways
I-90 I-94 I-57
Public Transit
CTA 'L' Rail CTA Bus
Toll Roads
Chicago Skyway Bridge Jane Addams Memorial Toll Way Veterans’ Memorial Toll Way
Popular Day Trips
Starved Rock State Park Lake Geneva Kettle Moraine State Forest

Find Local Chicago Agents

Salvador Insurance Agency, Inc.

3360 N Milwaukee Ave, Chicago, IL 60641

United Advantage Insurance Agency, Inc.

300 N LaSalle Suite 4925, Chicago, IL 60654

Sharon Robles Agency, LLC

1655 S Blue Island Avenue Suite 320, Chicago, IL 60608

KSA Insurance Agency/ Division of Oak Brook Insurance Agency, Inc

7158 W Grand Avenue, Chicago, IL 60707

Assurance

111 N Canal St Suite 550, Chicago, IL 60606

Riehn Insurance

4541 N Lincoln Ave, Chicago, IL 60625

LR WINDSOR

205 W Randolph St. Suite 730, Chicago, IL 60606

Inner City Underwriting Agency

1631 S Michigan Avenue Suite 102, Chicago, IL 60616

Lakeview Insurance Agency, Inc.

3438 N. Southport Avenue, Chicago, IL 60657

John E. Horn & Associates, Inc.

6650 N Northwest Hwy Ste 105, Chicago, IL 60631

Joseph Cacciatore & Co Insurance Agency

527 S Wells St 6th Floor, Chicago, IL 60607

Westside Insurance Agency, LLC

2165 S Millard Ave, Chicago, IL 60623

$1,373

The average Chicagoan's annual cost of coverage

40%

Our customer's average savings after comparing insurance

Revised

220

That's equal to 220 pieces of deep dish or $549 in savings

See How Much You Can Save in Chicago

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RECENT QUESTIONS

Do I pay a deductible for a liability claim?

You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.
Dec 17, 2018 Chicago, IL

Am I obligated to continue insurance payment even the car is totaled?

No — you do not need to keep paying for insurance on a car that is totaled. As long as you were insured at the time of the accident, you should be fine.
Jan 24, 2019 Chicago, IL

Got into an accident and didn't get their insurance info

I recommend your father contacting his insurance company and informing them of the situation. Providing them with all available information including the other driver's state registration information.
Jan 4, 2018 Chicago, Illinois

Who insures the engagement ring?

You can purchase additional insurance for your engagement ring through your renters or home insurance. It would be through a rider or additional endorsement if the value of your ring is greater than your property limits (which it very well could be).
Jan 1, 2018 Chicago, Illinois

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.