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 Average||State Average||National Average|
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/Gender||Average Rate|
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
|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
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 Level||Average Car Insurance 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 & 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
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
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
111 N Canal St Chicago, IL 60606
Lakeview Insurance Agency, Inc.
3438 N. Southport Avenue Chicago, IL 60657
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
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