How Much Does Car Insurance Cost in Chicago?
It is especially crucial to save while insuring a vehicle in Chicago because Chicago premiums are recognized for being costly. They are generally $352 greater than the state average. Review our tips to save on Chicago car insurance and save some hard-earned money.
INSURANCE PRICES: CHICAGO VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Chicago Auto Insurance by Credit Rating
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. In terms of percent change, the most significant benefit of better credit comes from boosting from Fair (580-669) to Good (670-739), by which drivers can save around 21% per year.
CHICAGO AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit||Average Auto Insurance Rate|
Chicago Car Insurance by Marital Status and Gender
In Chicago, a lot of driver characteristics, including marital status and gender, impact car insurance premiums. Rates for those who are widowed are a hair cheaper than rates for those who are single. You spend roughly 7% more per year if you're single as opposed to married. Premiums for men tend to be a bit more expensive than for women.
CHICAGO CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Chicago Auto Insurance After Accidents or Violations
Have you been involved in an at-fault accident or committed a moving violation?? That can influence your car insurance premiums. Reckless driving will increase your car insurance premiums more than other driving violations. $1,618 is the additional cost per year for drivers with a DUI in Chicago, compared to the city average of $1,472. Reckless driving will push your premiums up as well, with average rates of $3,269. That is 122% higher than the city average! If you are found at-fault in an accident in Chicago, expect your annual car insurance premiums to rise by 50%.
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 Car Insurance Premiums by Age
Teenage drivers have the most expensive rates out of all the age groups. They have typical car insurance payments of $5,788. The greatest reduction in premiums for Chicago drivers happens when they reach their 20s. Once out of the teenage age range, people save an average of 64%. In Chicago, turning 60 means an increase in premiums. Up until then, moving from one age group to the next means decreasing prices. Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $1,271 each year.
CHICAGO AUTO INSURANCE PREMIUMS BY DRIVER AGE
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
4541 N Lincoln Ave Chicago, IL 60625
KSA Insurance Agency/ Division of Oak Brook Insurance Agency, Inc
7158 W Grand Avenue Chicago, IL 60707
Inner City Underwriting Agency
1631 S Michigan Avenue Chicago, IL 60616
John E. Horn & Associates, Inc.
6650 N Northwest Hwy Ste 105 Chicago, IL 60631
111 N Canal St Chicago, IL 60606
Sharon Robles Agency, LLC
1655 S Blue Island Avenue Chicago, IL 60608
205 W Randolph St. Suite 730 Chicago, IL 60606
United Advantage Insurance Agency, Inc.
300 N LaSalle Chicago, IL 60654
Lakeview Insurance Agency, Inc.
3438 N. Southport Avenue Chicago, IL 60657
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
Westside Insurance Agency, LLC
2165 S Millard Ave Chicago, IL 60623
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Chicago Car Insurance
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