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.
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
Car Insurance Companies in Chicago
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
205 W Randolph St. Suite 730 Chicago, IL 60606
4541 N Lincoln Ave Chicago, IL 60625
John E. Horn & Associates, Inc.
6650 N Northwest Hwy Ste 105 Chicago, IL 60631
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
Click below to get free quotes in seconds!
Ready to get car insurance, Chicago?
The average Chicagoan's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Chicago
Click below to get free quotes in seconds!Start Saving Now!
Chicago Car Insurance
7 Spooky Halloween Road Trips to Creep You Out
Sep 29, 2017
Forget pumpkin spice – bring on scary movie season! As the weather starts to cool and leaves begin to turn,...
Top Insurance Tech Conferences to Attend
Aug 16, 2017
Technology is quickly changing the landscape for many industries, and insurance is no exception. Consumers have access to online resources...
Religious Exemptions for Car Insurance: Are They Legal?
Aug 09, 2017
In nearly every conceivable scenario, if you’re driving around in a motor vehicle, there is no reason why you should...
Uber vs. Ambulances: Comparing Price, Safety & Response Time
Jun 21, 2017
Imagine it’s the middle of the night, and you wake up to intense pain. You’re alone and in no condition...
Smart Cities: How the Internet of Things is Changing Urban Areas
Jun 14, 2017
A trend is spreading in cities all across the world: every day, more and more people just keep moving in....
The Death of the Taxi Driver (Profession)
Feb 13, 2017
There’s no doubt rideshare companies — Uber, Lyft, and the like — are impacting traditional taxi and car service companies. Even though...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
7 Can’t-Miss Car Museums Across the U.S.
Oct 28, 2016
Admiring automobiles is a classic American pastime: In fact, there are more than 100 museums dedicated to cars in the...
Should the Government Require Regular Driving Tests?
Oct 03, 2016
Most drivers in the U.S. seek their driver’s licenses at a young age. In teens’ minds, driving means freedom, so...
Help, My Car is a Lemon!
Sep 20, 2016
You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Are Vehicle Inspections Really About Safety?
Jul 18, 2016
The world of automotive regulations is quite complicated. For instance, each state makes and maintains its own regulations for auto...
Car Sharing: Driving for Commitment-Phobes
Jul 07, 2016
The sharing economy grows bigger each day, and pioneers like Uber, Lyft, and Airbnb make it clear the concept isn’t...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016
Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...
Ridesharing Hacks: How to Uber at the Airport
Dec 10, 2015
Arriving at the airport: one part excitement, one part did-I-remember-everything jitters, and five parts how-do-I-get-to-my-final-destination hassle (if you travel frequently,...
The Danger of Trusting Your GPS
Nov 02, 2015
If you use GPS regularly while driving, perhaps you’ve had fleeting “what if” thoughts—what if there’s a glitch and you’re...
Hit and Runs: What You Need To Know
Oct 06, 2015
Some traffic incidents cause heart pounding reactions, like stolen cars, car accidents, and near-misses, but unsurprisingly, hit-and-runs can be one...
Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Sep 15, 2015
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Are 1 in 7 Drivers Forced to Drive Illegally?
Aug 27, 2015
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
How to Plan the Perfect Road Trip
Aug 21, 2015
Part of the allure of a road trip is making spontaneous stops, and even detours. Never seen the World’s Largest...
Metromile and Uber: An Insurance Solution?
Jan 29, 2015
We’ve written about Metromile and we’ve written about the insurance gap for rideshare drivers, but this week brought an interesting...
Metromile: Pay-As-You-Drive Insurance
Aug 27, 2014
Insurance innovation alert: What if you could pay an insurance rate based only on the actual miles you drive each...