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|
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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 get car insurance quotes based on your unique driving profile.
CHICAGO CAR INSURANCE RATES BY COMPANY
|Company||Average Annual Rate|
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|
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|
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 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|
|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|
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|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in Chi-Town
Major HighwaysI-90 I-94 I-57
Toll RoadsChicago Skyway Bridge Jane Addams Memorial Toll Way Veterans’ Memorial Toll Way
Find Local Chicago Agents
KSA Insurance Agency/ Division of Oak Brook Insurance Agency, Inc
7158 W Grand Avenue, Chicago, IL 60707
205 W Randolph St. Suite 730, Chicago, IL 60606
4541 N Lincoln Ave, Chicago, IL 60625
United Advantage Insurance Agency, Inc.
300 N LaSalle Suite 4925, Chicago, IL 60654
Lakeview Insurance Agency, Inc.
3438 N. Southport Avenue, Chicago, IL 60657
Inner City Underwriting Agency
1631 S Michigan Avenue Suite 102, Chicago, IL 60616
Sharon Robles Agency, LLC
1655 S Blue Island Avenue Suite 320, Chicago, IL 60608
Westside Insurance Agency, LLC
2165 S Millard Ave, Chicago, IL 60623
111 N Canal St Suite 550, Chicago, IL 60606
John E. Horn & Associates, Inc.
6650 N Northwest Hwy Ste 105, Chicago, IL 60631
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
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