Car Insurance in Chicago

Premiums in Illinois, which sit under the national average by 22%, are recognized for being low-cost. However, premiums run higher in the city, so in Chicago, it is critical to cut costs while insuring a vehicle. Going over some ways to save on Chicago car insurance can save you money.

  • City Average: $1,472
  • State Average: $1,120
  • National Average: $1,427

Chicago Car Insurance by Credit Rating

Individuals with Very Poor credit (300-579) typically pay 2.3x more every year for car insurance than those with Exceptional credit (800-850). Drivers will see the greatest decrease in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $496 per year.

  • Very Poor: $2,937
  • Fair: $2,395
  • Good: $1,899
  • Very Good: $1,549
  • Exceptional: $1,305

Chicago Car Insurance by Gender and Marital Status

Car insurance premiums in Chicago differ depending on your marital status and gender. However, premiums are barely cheaper for women than for men. Women normally pay $4 less than men each year for insurance. Individuals who are single spend around 7% more per year compared to those who are married. Rates for those who are widowed are a hair cheaper than rates for those who are single.

  • Female: $1,468
  • Male: $1,472
  • Single: $1,472
  • Married: $1,372
  • Divorced: $1,472
  • Widowed: $1,471

Chicago Car Insurance by Accident or Violation History

Being knowledgable about which driving mishaps can make the expense of rates spike will help you make better decisions and save money. Do you want to increase your car insurance premiums by 20%? If not, keep an eye on your speed because a ticket for speeding by 16-20mph in Chicago will spark that increase. Expect your yearly car insurance payments to grow by $733 if you are found at-fault in an accident in Chicago.

  • DUI: $3,090
  • Reckless Driving: $3,269
  • At-fault Accident (damages less than $1000): $2,205
  • At-fault Accident (damages greater than $2000): $2,205
  • Speeding Ticket (16-20 mph over speed limit): $1,766

Chicago Car Insurance by Age

The greatest decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Chicago start saving $3,711. Turning 60 triggers a rise in car insurance premiums, but up until that age drivers can expect premium reductions when they progress from one age group to the next. Among all age groups, drivers in their 50s have the lowest rates, with rates of $1,271 per year. With car insurance payments of $5,788 on average, teenage drivers have the most expensive rates out of all the age groups.

  • Teenagers: $5,788
  • 20s: $2,076
  • 30s: $1,446
  • 40s: $1,412
  • 50s: $1,271
  • 60s: $1,350
  • 70s: $1,625

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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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

Joseph Cacciatore & Co Insurance Agency

527 S Wells St 6th Floor Chicago, IL 60607

Lakeview Insurance Agency, Inc.

3438 N. Southport Avenue Chicago, IL 60657

United Advantage Insurance Agency, Inc.

300 N LaSalle Chicago, IL 60654

Inner City Underwriting Agency

1631 S Michigan Avenue Chicago, IL 60616

Westside Insurance Agency, LLC

2165 S Millard Ave Chicago, IL 60623

LR WINDSOR

205 W Randolph St. Suite 730 Chicago, IL 60606

Riehn Insurance

4541 N Lincoln Ave Chicago, IL 60625

John E. Horn & Associates, Inc.

6650 N Northwest Hwy Ste 105 Chicago, IL 60631

Assurance

111 N Canal St Chicago, IL 60606

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

7158 W Grand Avenue Chicago, IL 60707

Sharon Robles Agency, LLC

1655 S Blue Island Avenue Chicago, IL 60608

See All

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$1,373

The average Chicagoan's annual cost of coverage

40%

Our customer's average savings after comparing insurance

220

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

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Chicago Car Insurance

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