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WHAT DRIVES UP CAR INSURANCE RATES IN Chicago
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
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 Zip Codes60644 60623 60624 60621 60636
Cheap Zip Codes60657 60614 60611 60601 60018
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
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
Car Insurance Companies in Chicago
Find Local Chicago Agents
Joseph Cacciatore & Co Insurance Agency
527 S Wells St 6th Floor Chicago, IL 60607
111 N Canal St Chicago, IL 60606
4541 N Lincoln Ave Chicago, IL 60625