What's the Average Cost of Car Insurance in Chicago?


There are a lot of great ways to get around Chicago. These include hopping on a bike, catching a bus, or boarding one of the city's famous "L" trains. However, many people still choose to traverse the city from behind the wheel of their own car. This requires the driver to have the proper insurance coverage in order to stay on the right side of the law. Even though premiums in Chicago are $396 higher than the state average, driving without insurance simply isn't an option as you are, at the very least, required to carry basic liability coverage.


Finding cheap car insurance in Chicago can be a challenge. If you don't want to pay too much to insure your vehicle, it is vital to shop around. There are a number of issues specific to Chicago that can influence what you will pay, including what part of town that you live in and what car you drive. Let's take a look at how Chicago car insurance costs compares to rates nationwide.


INSURANCE PREMIUMS: CHICAGO VS. NATIONAL/STATE MEAN
City AverageState AverageNational Average
$1,596$1,200$1,569


Chicago Auto Insurance Premiums by Age Bracket

With typical car insurance payments of $6,087, teenage drivers have the biggest premiums of any age group. The largest decrease in premiums for Chicago drivers happens when they reach their 20s. Once out of the teenage age bracket, they reduce their premiums by $4,696. The first time drivers can anticipate their age to trigger an increase in insurance rates is when they turn 60. Among all age groups, drivers in their 50s have the smallest rates, with rates of $1,391. However, people in their 60s ($1,423) aren’t paying much more.


CHICAGO AUTO INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$6,087
20s$2,223
30s$1,556
40s$1,501
50s$1,391
60s$1,423
70s$1,513


Chicago Auto Insurance for High-Risk Drivers


Having a clean driving record is key if you want to keep your premiums minimal. When you start looking for an insurance policy, you can certainly expect that the insurance company will comb through your driving history. If it is riddled with blemishes, brushes with the law, or even periods where you were uninsured, you are likely to see a hike in your rates. Some of the following infractions illustrate just how much your driving record can impact the cost of keeping your car insured.


In Chicago, drivers with a DUI have rates $865 higher than the city average of $1,596. Reckless driving will also push your rates up, with average rates of $2,458, which are 54% higher than the city average! The value of the damage caused by a car accident also plays a part in how significantly insurance rates will increase. Compared to an at-fault accident with damages less than $1,000, an accident with damages exceeding $2,000 will cost you an additional 8% per year in premiums.


AVERAGE CHICAGO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Insurance Rate
DUI$2,461
Reckless Driving$2,458
At-fault Accident (damages less than $1,000)$2,369
At-fault Accident (damages greater than $2,000)$2,550
Speeding Ticket (16-20 mph over speed limit)$2,025


Chicago Car Insurance by Gender and Marital Status


Car insurance premiums in Chicago vary depending on your marital status as well as gender. Generally, males have premiums that are 2% more pricey than those for females. Did you know that in your city marital status can substantially change your premiums? Being married can save you approximately 10% per year compared to being single. Rates for those who are divorced or widowed are marginally cheaper than rates for those who are single.


CHICAGO CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,563
Male$1,596
Single$1,444
Married$1,299
Divorced$1,421
Widowed$1,397


Chicago Auto Insurance by Credit Level


Improving your credit can save you a good chunk of money. Because insurance companies have seen a statistical correlation between your credit score and the likelihood of you making a claim, those with lower scores often pay quite a bit more than those whose scores are in the upper tier. Those in the bottom credit tier (300-579) usually pay 2.4x more for car insurance than those in the top credit tier (800-850). Drivers can save around $1,320 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).


CHICAGO CAR INSURANCE COSTS BY CREDIT TIER
CreditAverage Rate
Very Poor$3,205
Fair$1,885
Good$1,596
Very Good$1,472
Exceptional$1,350


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

John E. Horn & Associates, Inc.

6650 N Northwest Hwy Ste 105 Chicago, IL 60631

Sharon Robles Agency, LLC

1655 S Blue Island Avenue Chicago, IL 60608

Westside Insurance Agency, LLC

2165 S Millard Ave Chicago, IL 60623

Lakeview Insurance Agency, Inc.

3438 N. Southport Avenue Chicago, IL 60657

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

7158 W Grand Avenue Chicago, IL 60707

Joseph Cacciatore & Co Insurance Agency

527 S Wells St 6th Floor Chicago, IL 60607

Inner City Underwriting Agency

1631 S Michigan Avenue Chicago, IL 60616

United Advantage Insurance Agency, Inc.

300 N LaSalle Chicago, IL 60654

Riehn Insurance

4541 N Lincoln Ave Chicago, IL 60625

Assurance

111 N Canal St Chicago, IL 60606

Salvador Insurance Agency, Inc.

3360 N Milwaukee Ave Chicago, IL 60641

LR WINDSOR

205 W Randolph St. Suite 730 Chicago, IL 60606

2

$1,373

The average Chicagoan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

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

What is the reason that another driver would refuse to give their car insurance after an accident?

They might not have insurance or don't want you to file a claim on their insurance. Any claim you make would impact their premium.

How do I choose a car insurance deductible?

When it comes to selecting your deductible you have to know what you can afford, and if you could cover the claim or damages with a high deductible. If so, high deductible + good driving = a lot of savings but a lot of people can't fork over 1k-2k in the event of an accident.

Criminal charges for filing a false claim with my new insurance company?

This is considered insurance fraud. You do not want to file the claim.

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

No, you do not have to keep paying for the insurance on a car that is totaled. As long as you were insured at the time of the accident, you should be fine.