Car Insurance in Chicago, IL
- Travelers offers the cheapest car insurance in Chicago at $111/mo.
- Compare and save on auto insurance in or near Chicago, IL with The Zebra.
Enter your ZIP code to start your search:
Car Insurance in Chicago, IL
- Travelers offers the cheapest car insurance in Chicago at $111/mo.
- Compare and save on auto insurance in or near Chicago, IL with The Zebra.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Chicago at the right price.
How much does car insurance cost in Chicago?
Chicagoans pay, on average, $1,420 for a six-month car insurance policy, or about $237 per month. This is more than the state average in Illinois ($983) and the national average of $1,084.
Car insurance quotes in Illinois
Illinois drivers in and near Chicago saved money on car insurance recently using The Zebra:
Our licensed agents guided a driver in Decatur, IL find this smart deal on their Nissan Titan with National General.
Drivers in Durand, IL are getting smart deals on GMC Sierra 2500HD coverage from Liberty Mutual.
This quote from Clearcover helped a Toyota Corolla driver in Germantown Hills, IL cut their insurance costs.
Our licensed agents guided a driver in Rock Island, IL find this smart deal on their Saturn Aura with Bristol West.
This quote from GEICO helped a Chevrolet Colorado driver in HOFFMAN ESTATES, IL cut their insurance costs.
Our licensed agents guided a driver in East Alton, IL find this smart deal on their Chrysler Town and Country with The General.
Cheap liability and full coverage auto insurance in Chicago
Full coverage typically includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 42% of Chicago drivers carry only basic coverage, which meets legal requirements but may fall short if they’re in a serious at-fault accident.
There are also add-ons like roadside assistance or uninsured motorist coverage; they add a small cost but can save you from expensive out-of-pocket bills later, which our experts say makes them worth considering
Source: The Zebra
"Most of Los Angeles is like that, and places like Chicago or New York, where there are a lot of high-value cars and things like that. If people take risks behind the wheel, insurers might not want to write a policy for somebody with minimum coverage, and they bump into a Rolls-Royce, because it's just happened to be on the street more often."
-Johnny Hawkins, Licensed Agent at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in Chicago.
Are you paying too much for auto insurance?
Car insurance rates after an accident in Chicago
In Chicago, an at-fault accident can raise your car insurance by $742 for a 6-month policy. Travelers offers the cheapest average rates for drivers after an accident.
Keeping a clean driving record is the best way to avoid these increases. Premiums can go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, but major violations like DUIs can affect your rates even longer.
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $1,544 | $0 |
| One comp claim | $1,710 | $166 |
| Speeding 16 - 20 MPH over limit | $1,981 | $437 |
| At-Fault Accident | $2,286 | $742 |
| Leaving scene of an accident/hit and run | $2,894 | $1,350 |
| DUI | $2,928 | $1,384 |
Source: The Zebra
Why is car insurance in Chicago so expensive?
Chicago drivers pay higher rates due to a mix of local risks, weather, and driving trends.
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Location: Premiums vary by ZIP code; areas in Chicago, IL, with higher crime or more uninsured drivers (like 60608 or 60628) will usually see higher rates than safer neighborhoods.
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Weather: Snow, floods, and other severe weather raise repair costs and insurer risk, driving up premiums across the region.
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Drivers: With more traffic and about 27% of drivers uninsured, even safe drivers pay more to offset local accident and claim costs.
Insurers determine Chicago drivers' individual car insurance rates based on a range of rating factors that assess the level of risk they pose. Such rating factors can include age, gender, location, credit score and others. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.
Some rating factors may change over time, so getting new quotes regularly can help drivers determine whether they are still receiving the best rates for their coverage needs.
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
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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 editorial 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.