What's the Cost of Car Insurance in Chicago?


Illinois is recognized for its economical premiums, as its mean rate falls below the national average by 22%. However, premiums run higher in the city, so saving while insuring a vehicle in Chicago is imperative. Review our tips to save on Chicago car insurance and save money.


AUTO INSURANCE PREMIUMS: CHICAGO VS. STATE/US AVERAGES
City AverageState AverageNational Average
$1,472$1,120$1,427


Chicago Auto Insurance by Marital Status and Gender


Gender as well as marital status affect your car insurance premiums in Chicago. Married individuals save close to 7% per year compared to those who are single. Rates for those who are widowed are a hair cheaper than rates for those who are single. Males have premiums that are more expensive than those for females, but only by a small margin.


CHICAGO CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,468
Male$1,472
Single$1,472
Married$1,372
Divorced$1,472
Widowed$1,471


Chicago Auto Insurance With Accidents or Violations


Previous accidents and violations can cost you in terms of car insurance premiums. Speeding 16-20mph over the speed limit can cost you in terms of insuring your vehicle. Individuals with a speeding ticket on their record spend, on average, $294 more per year. $1,618 is the extra cost per year for drivers with a DUI in Chicago, compared to the city average of $1,472. Reckless driving will bump your premiums up as well, with average rates of $3,269. That is 122% higher than the city average!


AVERAGE CHICAGO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$3,090
Reckless Driving$3,269
At-fault Accident (damages less than $1,000)$2,205
At-fault Accident (damages greater than $2,000)$2,205
Speeding Ticket (16-20 mph over speed limit)$1,766


Chicago Auto Insurance Costs by Age

Teenage drivers have the most expensive rates out of all the age groups. They have typical car insurance payments of $5,788 per year. The biggest fall in premiums for Chicago drivers happens when they reach their 20s. Once out of the teenage age bracket, drivers save an average of 64% on car insurance. The first time drivers can anticipate their age to trigger an increase in rates is when they turn 60. At $1,271, drivers in their 50s have the lowest insurance rates among any age group.


CHICAGO CAR INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$5,788
20s$2,076
30s$1,446
40s$1,412
50s$1,271
60s$1,350
70s$1,625


Chicago Auto Insurance by Credit Rating


Individuals with Exceptional credit (800-850) pay an average of 56% less each year for car insurance than those with Very Poor credit (300-579). In terms of percent change, the biggest benefit of better credit occurs when rising from Fair (580-669) to Good (670-739), by which drivers can save an average of 21% per year.


CHICAGO CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Car Insurance Rate
Very Poor$2,937
Fair$2,395
Good$1,899
Very Good$1,549
Exceptional$1,305


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

2
Major Highways
I-90 I-94 I-57
2
Public Transit
CTA 'L' Rail CTA Bus
2
Toll Roads
Chicago Skyway Bridge Jane Addams Memorial Toll Way Veterans’ Memorial Toll Way
2
Popular Day Trips
Starved Rock State Park Lake Geneva Kettle Moraine State Forest

Find Local Chicago Agents

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

7158 W Grand Avenue Chicago, IL 60707

LR WINDSOR

205 W Randolph St. Suite 730 Chicago, IL 60606

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

John E. Horn & Associates, Inc.

6650 N Northwest Hwy Ste 105 Chicago, IL 60631

Inner City Underwriting Agency

1631 S Michigan Avenue Chicago, IL 60616

Assurance

111 N Canal St Chicago, IL 60606

Lakeview Insurance Agency, Inc.

3438 N. Southport Avenue Chicago, IL 60657

Riehn Insurance

4541 N Lincoln Ave Chicago, IL 60625

United Advantage Insurance Agency, Inc.

300 N LaSalle Chicago, IL 60654

Westside Insurance Agency, LLC

2165 S Millard Ave Chicago, IL 60623

Sharon Robles Agency, LLC

1655 S Blue Island Avenue Chicago, IL 60608

See All

2

$1,373

The average Chicagoan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

_icon-city-pizza

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:

Chicago Car Insurance

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

Jan 25, 2019

The accident is 6 states away from us. Was totaled and our agent is aware of it. Paperwork has been ...

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Dec 18, 2018

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Chicago Car Insurance

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