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Auto Insurance in Chicago, IL (The Complete Guide)

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SUMMARY OVERVIEW OF Chicago, IL  
Population 2,716,450
Density 11,960 people per square mile
Average Cost of Insurance in Chicago $4,497.74
Cheapest Car Insurance Company Liberty Mutual
Road Conditions Poor: 28%
Mediocre: 35%
Fair: 14%
Good: 22%

The Second City is famous for its architecture, waterfront, food, bars, and veritable history, an ever-evolving city with many iconic contributions to North American culture: blues music, deep dish, brownies and much more.

With so many people contributing to the beautiful city’s culture over the decades, Chicago has evolved.

Mark Twain said it the best: “It is hopeless for the occasional visitor to try to keep up with Chicago—she outgrows his prophecies faster than he can make them. She is always a novelty; for she is never the Chicago you saw when you passed through the last time.”

With so much to do and see, Chicago has a high concentration of cars on the road. Since you will be sharing the road with so many drivers, it’s prudent to get the best car insurance protection.

However, we understand the process of buying insurance can be overwhelming and frustrating. Through this complete guide to car insurance in Chicago, we will give you all the information so you can choose the best coverage.

We will talk about the coverage types, coverage rates, driving rules to follow in the city, factors impacting your premium rate, and much more.

Before you begin, you can get free quotes from major insurance providers in Chicago. You can use our FREE tool to start your search. Just enter your zip code to start.

Table of Contents

The Cost of Car Insurance in Chicago

If you are in the market for car insurance, you might be wondering insurers calculate your car insurance rate? What factors impact your premium? Your car insurance rate is dependent on many factors, such as your credit score, location, driving record, and annual commute.

In this section, we will cover these factors and also talk about which companies you can choose in specific situations.

– Demographics: Male vs. Female vs. Age

The first thing you should know is how your age and gender can impact your insurance rate.

Insurance companies usually consider teens to be risky and charge a higher-than-average rate. They find that young drivers, especially teens, are prone to unsafe driving and therefore have a higher probability of filing a claim.

Of course, this is a generalization and does not apply to everyone. However, without other relevant data on which to base probable behavior, insurance companies will tend to charge a higher-than-average rate.

A young driver can reduce their premium rate by keeping a clean driving record. As you age and mature as a driver, your premium rate will tend to align with the average.

As per DataUSA, the median age in Chicago is 34.6.

Insurance companies tend to reduce your rate considerably when you reach the median age. Let us review the average rates charged by insurance companies in Chicago for different age groups.

AGE 17 25 35 60 CHEAPEST AGE
Average Annual Rate $9,627.05 $3,248.57 $2,721.02 $2,545.51 60

As we discussed, the insurance rates tend to fall with age.

The average annual car insurance rate in Chicago is a whopping $6,378 between the ages of 17-25, eventually stabilizing at around $2,700 at the age of 35, the median age of the city.

Gender is another factor that may impact your car insurance rates in Chicago.

  Male Female
Chicago $4,535.54 $4,277.54

We have observed that, nationally, insurance rates are usually more expensive for males. In Chicago, the trend continues as the average annual rate for males is $4,535 while it is $4,277 for females.

However, your rate may differ from the average, as it depends on other factors as well.

There are some states (e.g., California) that have banned insurance companies from considering gender as a factor, but Illinois, as of now, still allows for gender-based pricing.

But what about your marital status? Does that change your premium rate?

We partnered with Quadrant Data Solutions to understand the impact of marital status on insurance rates.

Demographic Rate (Cheapest)
Married 60-year old female $2,494.91
Married 60-year old male $2,596.11
Married 35-year old female $2,708.30
Married 35-year old male $2,733.75
Single 25-year old female $3,098.36
Single 25-year old male $3,398.79
Average $4,535.54
Single 17-year old female $8,808.60
Single 17-year old male $10,445.50

According to the data, a single 17-year-old male driver pays on average $10,445 while his female counterpart pays $8,808. In comparison, a married 35-year-old male driver pays, on average, $2,733, while a married 35-year-old female driver pays $2,708.

The difference is partly because insurance companies believe married people have a lower risk profile and therefore are less likely to file a claim.

They also have a long-standing driver record and credit history that helps them model the probable behavior.

– Cheapest Zip Codes in Chicago

An insurance company has data on the number of claims, thefts, and accidents of the zip code you provide for your insurance. Therefore, your zip code is critical for the insurer to calculate your rate accurately.

Remember: You should provide the correct zip code in your application. Incorrect data can not only provide you inaccurate quotes but can also be labeled as insurance fraud.

You can use the following table to find the average rate in your zip code.

Zip code Average Annual Rate
60657 $3,813.21
60614 $3,837.67
60601 $3,853.01
60661 $3,863.33
60602 $3,866.67
60611 $3,885.20
60606 $3,901.06
60654 $3,925.77
60610 $3,937.50
60605 $3,976.26
60604 $3,991.79
60603 $4,006.24
60613 $4,055.80
60699 $4,113.14
60631 $4,144.64
60656 $4,184.23
60640 $4,199.50
60618 $4,263.32
60607 $4,263.61
60646 $4,278.23
60701 $4,320.08
60660 $4,329.47
60622 $4,329.78
60625 $4,340.72
60630 $4,349.39
60647 $4,352.72
60642 $4,365.00
60655 $4,371.46
60626 $4,446.26
60615 $4,456.26
60645 $4,468.13
60634 $4,478.10
60616 $4,509.45
60659 $4,542.39
60643 $4,566.04
60707 $4,572.14
60633 $4,587.01
60641 $4,599.02
60638 $4,605.84
60608 $4,656.33
60652 $4,664.85
60617 $4,751.21
60632 $4,806.57
60612 $4,821.18
60609 $4,880.99
60653 $4,900.13
60629 $4,910.08
60628 $4,962.87
60637 $4,979.15
60619 $5,004.51
60639 $5,010.63
60620 $5,106.75
60649 $5,112.76
60621 $5,252.39
60644 $5,295.93
60651 $5,302.29
60624 $5,308.33
60623 $5,319.98
60636 $5,370.32

– What’s the Best Car Insurance Company in Chicago?

We know that choosing the best car insurance company can be difficult, especially in Chicago, which has such a multitude of options.

With so many factors influencing insurance rates, different insurers may offer varying products for consumers.

You must determine the best insurance company based on your requirements. Are you looking for the best company for a higher commute or one that will give you a good deal even if you don’t have the best credit score?

In this section, we will discuss the best car insurance companies for varying factors.

– Cheapest Car Insurance Rates by Company

All national insurance providers such as GEICO, USAA, Progressive, Allstate, etc. are present in Chicago. The plethora of options increases the competition and allows you to shop around for the best rate.

Insurers weigh factors differently and can, therefore, offer varying rates. The following table shows the average rates companies offer to different demographics.

Group Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male Average
Liberty Mutual $1,730.29 $1,870.12 $1,446.38 $1,620.84 $5,831.92 $6,480.50 $1,794.62 $1,880.23 $2,831.86
USAA $1,905.51 $1,929.33 $1,771.37 $1,733.00 $6,349.91 $6,988.44 $2,517.96 $2,752.99 $3,243.56
State Farm $1,985.18 $1,985.18 $1,794.69 $1,794.69 $6,256.93 $7,886.52 $2,248.18 $2,602.06 $3,319.18
Travelers $2,097.28 $2,214.09 $1,929.63 $2,059.15 $6,437.19 $8,161.97 $2,226.23 $2,347.05 $3,434.07
GEICO $2,321.81 $2,386.47 $2,260.32 $2,520.72 $8,440.81 $8,809.84 $2,693.02 $2,820.22 $4,031.65
Progressive $2,707.83 $2,546.29 $2,236.73 $2,348.70 $9,987.55 $11,206.27 $3,228.33 $3,487.78 $4,718.69
American Family $3,145.58 $3,145.58 $2,885.32 $2,885.32 $8,974.54 $12,401.20 $3,145.58 $4,060.93 $5,080.51
Nationwide $3,468.49 $3,526.47 $3,079.05 $3,261.83 $9,762.62 $12,530.53 $4,061.93 $4,401.39 $5,511.54
Farmers $3,387.50 $3,381.94 $3,004.95 $3,196.16 $14,812.77 $15,388.81 $3,859.47 $4,010.07 $6,380.21
Allstate $4,333.53 $4,352.02 $4,540.66 $4,540.66 $11,231.74 $14,600.87 $5,208.28 $5,625.14 $6,804.11

Rates differ by age and marital status in Chicago.

Based on average rates, Allstate is the most expensive insurer in Chicago. Allstate charges a 17-year-old male driver $14,600 for car insurance.

In contrast, Liberty Mutual may only cost $6,480 for the same teen’s annual car insurance. This why you should shop around to check for the best rates available to you.

On average, Allstate drops the insurance by $8,975 for a 25-year-old single male driver and another $1,300 when the driver is a 35-year-old married male.

However, a cheap rate shouldn’t be your only consideration while selecting a car insurance policy.

What if your annual mileage is more than the average commuter’s? Which car insurance company should you prefer?

– Best Car Insurance for Commute Rates

As per the Federal Highway Administration, the average total annual miles driven per licensed driver in Illinois is 12,528 miles, which is less than the national average of 14,312 miles.

Insurance companies use the data on the average annual commute to calculate premium rates.

To understand the impact your commute can have on your insurance premium rate, we teamed up with Quadrant Data Solutions.

In the following table, you will see the average premium rate offered by insurance companies in Chicago, organized by annual commute.

Group 10 miles commute. 6000 annual mileage. 25 miles commute. 12000 annual mileage. Average
Liberty Mutual $2,831.86 $2,831.86 $2,831.86
USAA $3,152.50 $3,334.63 $3,243.57
State Farm $3,238.09 $3,400.27 $3,319.18
Travelers $3,296.21 $3,571.93 $3,434.07
GEICO $3,960.79 $4,102.51 $4,031.65
Progressive $4,718.69 $4,718.69 $4,718.69
American Family $5,015.74 $5,145.27 $5,080.51
Nationwide $5,511.54 $5,511.54 $5,511.54
Farmers $6,380.21 $6,380.21 $6,380.21
Allstate $6,804.11 $6,804.11 $6,804.11

Few insurance providers increase your premium rate with an increase in your annual commute.

Among the major insurance companies in Chicago, those who do not increase the premium based on an increase in commute are Liberty Mutual, Progressive, Nationwide, Farmers Insurance, and Allstate.

– Best Car Insurance for Coverage Level Rates

Increasing coverage level increases the exposure of insurance companies on your policy. Therefore, insurance rates are bound to increase as you add additional coverage to your policy.

However, depending on the type of coverage you opt for, each insurance company can price your policy differently. Here are average rates offered by different insurers, organized by coverage level.

Group High Low Medium Average
Liberty Mutual $3,022.31 $2,649.53 $2,823.75 $2,831.86
USAA $3,462.49 $3,026.74 $3,241.46 $3,243.56
State Farm $3,510.15 $3,123.99 $3,323.39 $3,319.18
Travelers $3,680.36 $3,192.61 $3,429.25 $3,434.07
GEICO $4,408.86 $3,664.19 $4,021.90 $4,031.65
Progressive $5,137.63 $4,323.70 $4,694.73 $4,718.69
American Family $5,084.55 $4,891.45 $5,265.52 $5,080.51
Nationwide $5,536.22 $5,440.40 $5,557.99 $5,511.54
Farmers $6,881.44 $6,038.73 $6,220.45 $6,380.21
Allstate $7,063.22 $6,554.63 $6,794.49 $6,804.11

GEICO, Progressive, and Farmers Insurance may increase the insurance rate by approximately $800 on average if you opt for high coverage instead of low. However, all other major insurers may increase the rate by around $300 or less.

But what is high, medium, and low coverage?

Your policy must include the legally required coverage in Chicago. However, you can opt for additional coverage depending on your requirements.

The minimum required car insurance in Chicago includes:

  • $20,000 for property damage in an accident caused by you
  • $25,000 for bodily injury to one person in an accident caused by you
  • $50,000 for more than one person in an accident caused by you

The state-mandated minimum coverage is the lowest coverage that you can opt for in Chicago. However, you should buy more than minimum coverage to safeguard against financial injury.

Depending on your requirement, you can opt for the following additional coverages:

Based on what and how much coverage you choose, you may either have medium or high coverage.

Just remember you don’t necessarily need all of the optional coverage. You can choose wisely and save on insurance premiums.

– Best Car Insurance for Credit History Rates

Insurance companies consider your credit history a factor in determining your premium rate.

The companies use the credit information to estimate if you would be able to pay your premium on time. The lower the credit score, the higher the risk to the insurance companies.

Here are the average premium rates in Chicago based on your credit score:

Group Fair Good Poor Average
Liberty Mutual $2,497.44 $1,978.61 $4,019.53 $2,831.86
USAA $2,968.82 $2,447.77 $4,314.10 $3,243.56
State Farm $2,892.70 $2,248.35 $4,816.48 $3,319.18
Travelers $3,385.59 $2,738.41 $4,178.22 $3,434.07
GEICO $3,145.68 $2,436.38 $6,512.89 $4,031.65
Progressive $4,562.63 $4,223.32 $5,370.12 $4,718.69
American Family $4,601.42 $3,895.47 $6,744.63 $5,080.51
Nationwide $5,303.02 $4,610.20 $6,621.39 $5,511.54
Farmers $6,091.61 $5,791.61 $7,257.41 $6,380.21
Allstate $6,251.36 $5,482.26 $8,678.71 $6,804.11

As we mentioned before, each insurance company may have a different weight attached to the factors that might impact your rate.

For drivers with a poor credit score, Liberty Mutual, Travelers Insurance, and USAA may be the cheapest options on the market.

However, if you have a good credit score, you can consider Liberty Mutual, State Farm, GEICO, and USAA for the best rates.

If you have improved your credit score over time, you can consider GEICO, Allstate, and American Family. Among the major providers, these companies generally have the most significant drop in insurance rates.

– Best Car Insurance for Driving Record Rates

Your driving record is an essential indicator of your driving behavior. Insurance companies use the information to estimate the probability that you will file a claim.

In the following table, you will find the average rates in Chicago organized by driving incident.

Group Clean record With 1 accident With 1 DUI With 1 speeding violation Average
Liberty Mutual $2,348.76 $3,360.15 $2,942.07 $2,676.46 $2,883.66
State Farm $3,015.20 $3,623.17 $3,319.17 $3,319.17 $3,319.18
USAA $2,297.61 $3,329.15 $4,569.11 $2,778.39 $3,398.62
Travelers $2,710.07 $3,581.97 $4,023.28 $3,420.97 $3,438.44
GEICO $2,701.97 $4,290.39 $5,952.39 $3,181.85 $4,314.92
Progressive $3,875.10 $5,791.98 $4,299.50 $4,908.17 $4,655.53
American Family $3,751.26 $5,256.77 $7,062.35 $4,251.65 $5,356.79
Nationwide $4,427.20 $5,751.44 $6,770.90 $5,096.60 $5,649.85
Farmers $5,379.72 $6,954.75 $6,784.43 $6,401.94 $6,372.97
Allstate $4,847.32 $8,304.43 $7,673.75 $6,390.94 $6,941.83

As you can see, insurance companies tend to increase rates depending on the driving violation.

USAA may increase your rate by more than $1,000 if you are responsible for an accident. GEICO, American Family, and Allstate may increase your premium by around $3,000 if you commit a DUI offense.

On the other hand, State Farm, Progressive, and Liberty Mutual seem to be the most forgiving of a DUI.

To get an idea about your driving behavior, insurance companies will access your Motor Vehicle Report (MVR). MVR will give them the summary of driving violations including:

– Car Insurance Factors in Chicago

We have considered credit score, driving record, annual mileage, and other factors that might influence your premium rates.

However, there are external factors that can impact your premium rates, as well. Factors such as prosperityeconomyhomeownership, and income in Chicago can influence your rate calculation.

With an estimated population of more than 2.5 million people, Chicago is the third-largest city in the country. Such a large community will have an impact on the average rates in the city.

In this section, we will review the different factors that influence your insurance rate in Chicago.

– Growth & Prosperity

According to the Bureau of Economic Analysis, the Chicago metropolitan area is the third-largest economic area in the country, after New York and Los Angeles.

In 2017, Chicago’s metro area’s GDP was $679 billion and has registered a growth of 5.8 percent between 2017-2018.

Chicago has a diversified economy with a strong presence of manufacturing, printing and publishing, finance, and insurance. The city is also home to the largest commodity trading exchange in the world.

According to the Metro Monitor Report by the Brookings Institution, Chicago has been growing at a steady clip for the last few years.

Growth (51st)

Jobs: +2.8 percent (65th of 100)

Gross metropolitan product (GMP): +5.8 percent (65th of 100)

Jobs at young firms: -10.5 percent (31st of 100)

Even though growth in Chicago has been lagging behind the national average, unemployment is at an all-time low.

The growth is attracting a lot of new people to the city, increasing the premium rate on your car insurance.

According to the Brooking’s Metro Report, the standard of living and the average annual wage has been increasing faster than the national average. The is an increase that may also impact your insurance cost.

Prosperity (11th)

Productivity: +2.9 percent (63rd of 100)

Standard of living: +2.7 percent (43rd of 100)

Average annual wage: +7.9 percent (46th of 100)

– Median Household Income

According to DataUSA, the median household income in Chicago ($55,295) is less than the national median household income ($60,336) and the state of Illinois ($62,292). However, the Chicago metropolitan area has a median household income of $68,403.

Median Household Income in Chicago

In contrast, the annual average premium in Chicago is $4,497. On average, residents of Chicago pay 8.13 percent of their income toward car insurance while the residents of Illinois are paying 5.17 percent.

  MEDIAN INCOME LEVEL AVERAGE CAR INSURANCE PREMIUM PREMIUM AS A PERCENTAGE OF INCOME
Chicago $55,295 $4,497.00 8.13%
Illinois $62,292 $3,221.00 5.17%

To calculate how much of your income is going toward car insurance, you can use the free calculator:

CalculatorPro

– Homeownership in Chicago

Homeownership indicates financial stability to the insurance company. It may also indicate that you should be able to pay the insurance premium on time.

Let us review the homeownership rate in Chicago to better understand how it will impact your insurance rates.

According to DataUSA, the median property value in Chicago is $255,900. The median property value in the country is slightly lower, at $193,500.

Median Property Value in Chicago

The higher-than-median property prices, coupled with a lower-than-median household income, has resulted in a much lower ownership ratio than the national average.

In 2017, only 44.9 percent of houses were occupied by owners in Chicago. The national average is 63.8 percent.

Homeownership rate in Chicago

Owning a home in Chicago indicates financial stability to car insurers. However, a steady rent payment history coupled with a good credit score is also a reliable indicator that you will pay your premiums on time.

– Education in Chicago

You may remember answering a question about your highest education level in your insurance application.

Why do insurance companies need to know your education level?

Insurance companies tend to associate higher education with a lower risk profile. As per research, educated drivers prove to be more responsible drivers.

Chicago is home to the University of Chicago, which is a world-class institution of international repute. As of October 2018, 98 Nobel laureates have had an association with the University of Chicago.

Northwestern University is another internationally renowned university based out of Evanston, 12 miles north of downtown Chicago.

There are several other universities and institutions within the city limits, including Loyola University, DePaul University, University of Illinois, and Illinois Institute of Technology.

The top three universities in Chicago, according to the number of degrees conferred, are:

  • The University of Illinois at Chicago (7,525 degrees awarded)
  • DePaul University (6,428 degrees awarded)
  • DeVry University-Illinois (6,038 degrees awarded)

In 2016, various universities in Chicago granted a total of 64,031 degrees. Here is the break up of the degrees awarded:

Types of university degrees in Chicago

– Wage by Race & Ethnicity in Common Jobs

According to DataUSA, Asians were the highest-paid ethnicity in Illinois, followed by Whites.

Wage by race and ethnicity in Chicago

In the following chart, you can see the wages for common job types, organized by ethnicity.

Wage by Race and Ethnicity in Common Jobs in Chicago

– Wage by Gender in Common Jobs

We know that insurance rates differ by gender, but there is also a wage gap between genders. This disparity results in females shelling out a higher percentage of income toward car insurance.

As per DataUSA, the average salary for males in Illinois is $72,886, while the average salary for females in the state is $53,388. Below is the graph detailing male and female wages by profession:

Wage by Gender in Common Jobs in Chicago

Based on the wages, we can calculate the average percentage of income an individual pays for car insurance in Chicago:

OCCUPATION PREMIUM AS A % OF INCOME (MALE) PREMIUM AS A % OF INCOME (FEMALE)
Miscellaneous managers 4.1 5.2
Registered nurses 5.3 6.4
Elementary & middle school teachers 7.7 7.8

For every occupation in Chicago, females are spending a larger percentage of their income on car insurance.

– Poverty by Age & Gender

20.6 percent of Chicago residents are below the poverty line, which is worse than the national average of 13.4 percent. Deep poverty, defined as $5,885 a year for an individual, or less than $12,125 for a family of four, is also prevalent in the city.

The following graph shows the poverty by age and gender in Chicago.

Poverty by Age and Gender in Chicago

The most surprising aspect is that females between the ages of 18 – 44 dominate the poverty demographics.

– Poverty by Race & Ethnicity

African Americans are the most common ethnicity living below the poverty line in Chicago, followed by Whites and Hispanics.

Poverty by Race and Ethnicity in Chicago

– Employment by Occupations

The employment growth in Chicago remained stagnant between 2016 and 2017, with the total number of employed in Chicago remaining at 1.35 million for 2017.

The following chart shows the most common jobs in Chicago:

Employment by Occupations in Chicago

Driving in Chicago

Whether you are driving on the Lake Shore Drive or working your way through the Loop, Chicago’s beauty never ceases to amaze. There are tons to see, eat, and do in the Windy City.

But we get it—traffic can sometimes be a headache.

According to a report by the Texas A&M Transportation Institute, Chicago is the most congested city in the country.

While we cannot reduce the congestion, hopefully this guide will help you navigate the congestion better. In this guide, we will cover speed traps, vehicle thefts, road conditions, and much more.

– Roads in Chicago

If you’re interested in the road conditions, speed traps, and major roadways in Chicago, read on. In this section, we talk about the major highways, road conditions, and much more.

– Major Highways

A complex network of roadways connects the Chicago metro area. Here is the map of the interstates and highways:

Chicago Street Map

The significant interstates connecting Chicago include the I-95, I-80, I-55, and many more. Here is the list of interstates cross-referenced with expressway names in the Chicago area:

  • Kingery Expressway: I-80, I-94
  • Bishop Ford Memorial Freeway: I-94
  • Chicago Skyway: I-90
  • Dan Ryan Expressway: I-90, I-94
  • Ronald Reagan Memorial Tollway: I-88
  • Edens Expressway: I-94
  • Edens Expressway Spur: I-94
  • Eisenhower Expressway: I-290
  • Elgin O’Hare Expressway: I-390
  • Kennedy Expressway: I-190, I-90, I-94
  • Veterans Memorial Tollway: I-355
  • Jane Addams Memorial Tollway: I-90
  • Stevenson Expressway: I-55
  • Tri-State Tollway: I-294, I-94

Some of the major tollways in the Chicago area include:

  • Ronald Reagan Memorial Tollway/Chicago–Kansas City Expressway (I-88/IL 56/IL 110)
  • Tri-State Tollway (I-80/I-94/I-294)
  • Elgin-O’Hare Tollway (IL 390)

– Popular Road Trips/Sites

There are many things you can do to keep busy in Chicago.

The city is one of America’s most renowned food towns.

– Road Conditions

According to TRIP, a national transportation research group, 63 percent of roads in Chicago are either in poor or mediocre condition.

ROAD CONDITION POOR MEDIOCRE FAIR GOOD
SHARE SHARE SHARE SHARE
Chicago 28% 35% 14% 22%

An average driver in Chicago has to spend $627 on car repairs.

The Illinois Department of Transportation has developed a website, “Getting Around Illinois,” that will provide users real-time information on road closures, construction work, and traffic congestion.

DOT also regularly shares information on the various construction projects in the state of Illinois through its website.

The state also passed a $45 billion Capital Infrastructure Plan in June 2019, seeking to invest in transport infrastructure, including road repairs.

The government will invest $400 million towards Chicago Regional Environmental and Transportation Efficiency Fund (CREATE) that will, among other things, untangle rail lines from roads.

– Does Your City Use Speeding or Red Light Cameras?

Red Light Camera Enforcement is applicable in Chicago since 2003. Any driver who receives a red-light camera ticket can see their red-light violation on the website of the Department of Finance.

You can find the location of red light camera intersections on the City of Chicago website.

However, there are a few bills introduced in the state legislature to restrict the use of red-light cameras in the state of Illinois.

– Vehicles in Chicago

What are the vehicles owned by Chicagoans? What is the most stolen car in Chicago? 

The answer to these questions can help you reduce your premium rate.

– Most Popular Vehicles Owned

Until a few years back, the Chevrolet Monte Carlo used to be the most common car in Chicago.

However, Chevrolet stopped producing the car in 2007, and now it’s no longer the top car motorists in Chicago are interested in purchasing.

According to CarGurus.com, a Cambridge-based auto research and shopping website, the following are the top brands for used cars in the city:

  1. Chevrolet 11.3 percent
  2. Ford 9.1 percent
  3. Toyota 6.2 percent
  4. BMW 6.1 percent
  5. Mercedes-Benz 5.3 percent
  6. Jeep 5.3 percent
  7. Dodge 5.0 percent
  8. Honda 4.7 percent
  9. Nissan 4.6 percent
  10. Audi 3.8 percent

In terms of top cars that Chicagoans have researched on the website:

  1. Volkswagen Beetle
  2. Honda Odyssey
  3. Toyota Camry
  4. Mercedes Benz E-class
  5. BMW 7 series
  6. Jeep Grand Cherokee
  7. Honda Accord
  8. Jeep Wrangler
  9. Honda Civic
  10. Audi A4

– Cars Per Household

Chicago is ranked 26th amongst the cities with the least cars per household.

Most households in Chicago own one car. The second-most-common car count per household is two.

The low number of vehicles per capita is probably because of the congestion in the city, coupled with a robust public transportation system.

Car Ownership in Chicago

– Speed Traps in Chicago

The City of Chicago also uses automatic speed enforcement mechanisms. You can see the speed camera locations on the City of Chicago website.

You should follow the speed restrictions, especially around schools and parks.

– Vehicle Theft in Chicago

Experiencing vehicle theft can be frustrating and stressful. Unfortunately, this is a common occurrence in Chicago.

According to the FBI, Chicago Police registered 11,473 cases of car theft in 2016.

Chicago has amongst the highest crime index in the country. The city is safer than only 8 percent of U.S. cities. In Chicago, you have a one in 91 chance of becoming a victim of violent crime, which is alarmingly higher than the state or national average.

  MURDER RAPE ROBBERY ASSAULT
CHICAGO VIOLENT CRIMES RATES per 1,000 0.24 0.65 4.38 5.69
UNITED STATES VIOLENT CRIMES RATES per 1,000 0.05 0.42 0.98 2.49

However, the city also has several safer neighborhoods that might reduce your chance of being a victim of violent crime or car theft. They are:

  1. N Ozanam Ave / N Avondale Ave
  2. W Devon Ave / N Central Ave
  3. N Caldwell Ave / N Lehigh Ave
  4. W Foster Ave / N Harlem Ave
  5. N Lake Shore Dr / W Diversey Ave
  6. N Canfield Ave / W Talcott Ave
  7. W Howard St / N Oketo Ave
  8. Sauganash
  9. Irving Park Rd / N Cumberland Ave
  10. W North Ave / N Larrabee St

– Traffic

Nobody wants to waste time sitting in traffic when they could be spending time with family or getting more things done in a day. However, Chicago is notorious for its traffic congestion.

– Traffic Congestion in Chicago

The blockage in Chicago is worse than in LA. In fact, only Washington, D.C. and Boston fair worse when it comes to traffic congestion.

According to a 2018 traffic study done by INRIX (a team of traffic experts), Chicago is the third-most-congested city in the country.

According to the study, a motorist in Chicago spends 138 minutes, on average, in congestion every year. The delay due to congestion costs $1,920 per driver.

– Transportation

Commuters in Chicago spend 33.1 minutes on their daily commute, which is considerably more time than the national average of 25.5 minutes.

According to DataUSA, more than 31 percent of commuters in Chicago spend over 45 minutes on their daily commute.

Commute Time in Chicago

The daily commute is higher than average because of the traffic congestion and because 28.3 percent of commuters take public transit.

Commuter Transportation in Chicago

– Busiest Highways

According to the Federal Highway Administration, Chicago has two highways with more than 12 lanes.

URBAN AREA ROUTE LANES
Chicago I-53 12
Chicago I-90 12

– How Safe are Chicago’s Streets and Roads?

Chicago is the county seat of Cook County.

  2013 2014 2015 2016 2017
Fatalities (All Crashes) 250 235 239 268 287
Fatalities in Crashes Involving an Alcohol-Impaired Driver 97 85 66 81 109
Single Vehicle Crash Fatalities 144 149 159 155 161
Fatalities in Crashes Involving a Large Truck by County for 2017 30 16 15 28 28
Fatalities in Crashes Involving Speeding 119 103 88 111 143
Fatalities in Crashes Involving an Intersection 82 80 97 115 111
Passenger Car Occupant Fatalities 104 93 76 98 120
Pedestrian Fatalities 53 63 81 73 76
Pedalcyclist Fatalities 11 11 14 11 8

In 2017, a total of 287 traffic-related fatalities occurred in Cook County. Single-vehicle crashes accounted for the most number of fatalities, followed by speeding.

Illinois Counties by 2017 Ranking 2013 2014 2015 2016 2017
1. Cook County 250 235 239 268 287
2. Will County 48 61 51 45 59
3. Lake County 34 31 36 50 47
4. Madison County 28 33 33 21 45
5. Dupage County 30 24 36 36 40
6. St. Clair County 45 31 39 40 35
7. Mchenry County 17 19 18 26 33
8. Kane County 29 21 29 39 31
9. Winnebago County 35 22 29 39 23
10. Kankakee County 14 14 9 23 18
Top Ten Counties 538 501 530 596 618
All Other Counties 453 423 468 482 479
All Counties 991 924 998 1,078 1,097

Cook County accounts for the most number of fatalities in Illinois.

According to the National Highway Traffic Safety Administration, principal arterial roads were the most dangerous in Illinois. You can refer to the NHTSA website to learn about the road classification.

RURAL INTERSTATE URBAN INTERSTATE FREEWAY/EXPRESSWAY OTHER MINOR ARTERIAL COLLECTOR ARTERIAL LOCAL UNKNOWN TOTAL
53 87 10 277 257 217 98 6 1,005

According to the U.S. Department of Transportation, Cook County also witnessed many railway accidents.

Calendar Year City County Highway Highway User Type Highway User Speed Rail Equipment Type Nonsuicide fatality Non suicide injury
2012 GLENVIEW COOK GLENVIEW ROAD Automobile 0 Psgr Train 0 0
2012 WESTERN SPGS COOK GILBERT AVE Automobile 0 B 0 0
2012 CHICAGO COOK 111TH STREET Automobile 10 Commuter 0 1
2012 DOLTON COOK YARD UP PRIVATE Truck-trailer 5 Cut of Cars 0 0
2012 PALATINE COOK QUENTIN FAU 2574 ROA Automobile 0 Commuter 0 0
2012 DES PLAINES COOK PEARSON STREET Pedestrian Commuter 0 1
2012 HARVEY COOK PRIVATE CROSSING Truck-trailer 2 Yard/Switch 0 0
2012 ALSIP COOK W 122ND STREET Van 30 Freight Train 0 0
2012 CHICAGO COOK 95TH STREET Pedestrian Commuter 1 0
2012 ARLINGTON HTS COOK VAIL AVENUE Pedestrian Commuter 0 0
2012 CICERO COOK PRIVATE Truck-trailer 15 Yard/Switch 0 0
2012 CHICAGO COOK 83RD STREET Automobile 10 D 0 1
2012 CHICAGO HTS COOK RHODIA PLANT Truck-trailer 5 Yard/Switch 0 0
2012 CHICAGO COOK 103RD ST Automobile 15 Freight Train 0 1
2012 LANSING COOK TORRENCE AVE Automobile 0 Freight Train 0 0
2012 ELMWOOD PARK COOK GRAND AVE. Automobile 5 Freight Train 0 0
2012 ALSIP COOK 123RD ST Pedestrian Light Loco(s) 0 0
2012 CHICAGO COOK LAFLIN STREET Automobile 10 C 0 0
2012 CHICAGO COOK PRIVATE Truck-trailer 10 Cut of Cars 0 1
2012 CHICAGO HTS COOK RHODIA PLANT/INDUSTR Truck-trailer 5 Light Loco(s) 0 0
2012 SOUTH HOLLAND COOK 168TH STREET Automobile 1 Freight Train 0 0
2012 DOLTON COOK YARD UP PRIVATE Truck-trailer 2 Cut of Cars 0 0
2012 CHICAGO COOK PRIVATE YARD Truck-trailer 2 Freight Train 0 1
2012 BENSENVILLE COOK CHURCH STREET Pedestrian 0 C 0 0
2012 CHICAGO COOK PRIVATE Truck-trailer 1 Yard/Switch 0 0
2012 RIVERSIDE COOK LONG COMMON RD Pedestrian 0 Freight Train 1 0
2012 LA GRANGE PARK COOK HARDING AVENUE Pedestrian Freight Train 1 0
2012 CHICAGO COOK 87TH/PULASKI Automobile 0 C 0 0
2012 MIDLOTHIAN COOK CRAWFORD AVE Automobile 5 C 0 1
2012 CHICAGO COOK 115TH ST Automobile 5 C 1 2
2012 FRANKLIN PARK COOK BELMONT AVE. Automobile 3 Freight Train 0 1
2012 CICERO COOK PRIVATE Truck-trailer 0 Yard/Switch 0 0
2012 CHICAGO COOK 55TH AND KENTON Automobile 20 Freight Train 0 0
2012 CHICAGO COOK 115TH ST Automobile 15 Commuter 0 1
2012 CHICAGO COOK CORNELL AVE Automobile 10 D 0 1
2012 RIVER GROVE COOK THATCHER AVENUE Automobile Freight Train 0 0
2013 CHICAGO COOK WELLINGTON AVE Pedestrian B 1 0
2013 COOK PRIVATE CROSSING Truck-trailer 3 Yard/Switch 0 0
2013 CHICAGO COOK PRIVATE Truck-trailer 0 Freight Train 0 0
2013 CHICAGO COOK FAU1592/E 130TH ST Automobile 15 Freight Train 0 0
2013 LA GRANGE COOK E. 47TH & BLUFF Automobile 0 Freight Train 0 0
2013 ARLINGTON HTS COOK ARTHUR AVENUE Automobile 0 Commuter 0 2
2013 DES PLAINES COOK DES PLAINES RIVER RO Automobile 0 Commuter 0 0
2013 CHICAGO COOK CARONDLET Automobile 40 Freight Train 0 0
2013 CHICAGO COOK 5345 S. LONG AVE. Automobile 16 Freight Train 0 1
2013 BLUE ISLAND COOK VERMONT STREET Automobile 5 Commuter 0 0
2013 MELROSE PARK COOK PRIVATE Truck-trailer 15 Light Loco(s) 0 0
2013 ELK GROVE VILLAGE COOK LUNT Truck-trailer 30 Freight Train 0 0
2013 CHICAGO COOK PRIVATE Truck-trailer 12 Freight Train 0 0
2013 DOLTON COOK 144TH STREET Truck-trailer 6 Yard/Switch 0 0
2013 CHICAGO COOK SOUTHWEST HWY Automobile 0 Freight Train 0 0
2013 CHICAGO COOK EGGLESTON AVE. Automobile 0 D 0 0
2013 CHICAGO COOK PRIVATE Truck-trailer 0 Freight Train 0 0
2013 DES PLAINES COOK PEARSON STREET Pedestrian C 0 0
2013 TINLEY PARK COOK 167TH ST Automobile 10 Freight Train 0 0
2013 GLENWOOD COOK MAIN ST FAU3603 Automobile 0 Freight Train 0 0
2013 CHICAGO COOK STATE STREET Pedestrian Light Loco(s) 1 0
2013 BARRINGTON COOK NORTHWEST HWY/US14 Truck-trailer Freight Train 0 1
2013 CHICAGO HTS COOK CHICAGO RD Pedestrian 0 Freight Train 1 0
2013 CHICAGO COOK 74TH STREET Pedestrian D 0 0
2013 ALSIP COOK KOSTNER AVE Pedestrian Freight Train 0 0
2013 CHICAGO COOK MONTEREY AVE Automobile 10 Commuter 0 1
2013 CHICAGO COOK 95TH STREET Automobile 10 Psgr Train 0 0
2013 CHICAGO COOK PRIVATE Van 0 Light Loco(s) 0 0
2013 HARVEY COOK RR ACCESS RD Truck-trailer 3 Yard/Switch 0 0
2013 CHICAGO COOK 119TH STREET Automobile 10 C 0 1
2013 CHICAGO COOK PRIVATE RD Truck-trailer 5 Light Loco(s) 0 0
2013 RIVERDALE COOK PERRY AV Truck-trailer 2 Freight Train 0 0
2013 BARTLETT COOK WESTERN AVENUE Truck-trailer 0 C 0 1
2013 COOK PROVISO YARD PRIVATE Truck-trailer 5 Light Loco(s) 0 0
2013 DOWNERS GROVE COOK MAIN ST Pedestrian C 0 1
2013 RIVERDALE COOK 137TH ST Automobile 0 Freight Train 0 0
2013 TINLEY PARK COOK 80TH AVENUE Pedestrian 0 C 1 0
2013 CHICAGO COOK 95TH STREET Truck-trailer 0 C 0 0
2013 COOK COTTAGE GROVE AVE Pedestrian Freight Train 0 0
2013 CHICAGO COOK 105TH STREET Automobile 5 Special MOW Eq 0 0
2013 HARVEY COOK RR ACCESS RD Truck-trailer 2 Freight Train 0 0
2013 CHICAGO COOK CHAPPEL AVE Automobile 5 C 0 0
2013 DES PLAINES COOK TOUGHY AVENUE Automobile 0 C 0 1
2013 CHICAGO COOK THROOP STREET Automobile 5 C 0 1
2013 CHICAGO COOK FAU1592/E 130TH ST Automobile 0 Freight Train 0 0
2013 CHICAGO COOK RACINE AVE Automobile 0 Freight Train 0 0
2013 CHICAGO COOK PRIVATE Automobile 1 Yard/Switch 0 0
2013 DES PLAINES COOK DESPLAINS RIVER Automobile 0 Commuter 0 1
2014 COOK FOREST VIEW AVE Automobile 0 Freight Train 0 0
2014 SOUTH HOLLAND COOK 162ND ST Automobile 5 Freight Train 0 0
2014 ELK GROVE VILLAGE COOK LIVELY Automobile 30 Freight Train 0 0
2014 NILES COOK TOUHY AVENUE Truck-trailer 0 C 0 4
2014 ROBBINS COOK 139TH STREET Automobile 5 Commuter 1 0
2014 CHICAGO COOK MONTEREY AVENUE Automobile 5 Commuter 0 0
2014 CHICAGO COOK PRIVATE Van 0 Yard/Switch 0 0
2014 CHICAGO COOK PRIVATE Truck-trailer 0 Light Loco(s) 0 0
2014 CHICAGO COOK PRIVATE Van 0 Yard/Switch 0 0
2014 CHICAGO COOK SAYRE AVE Truck-trailer 0 C 0 0
2014 PALATINE COOK N. PLUM GROVE ROAD Automobile 0 C 0 0
2014 CHICAGO HTS COOK WENTWORTH AV Automobile 0 Freight Train 0 0
2014 RIVERSIDE COOK HARLEM AVE Automobile 0 Psgr Train 0 1
2014 MCCOOK COOK LAWNDALE AVE Truck-trailer 7 Freight Train 0 0
2014 CICERO COOK PRIVATE Truck-trailer 5 Yard/Switch 0 0
2014 CHICAGO COOK 99TH ST Pick-up truck 0 Freight Train 0 1
2014 FRANKLIN PARK COOK 25TH AVE Pedestrian Commuter 1 1
2014 OAK LAWN COOK KILBOURN AVE Pedestrian Commuter 0 1
2014 CHICAGO COOK RACINE AVE Automobile 0 Light Loco(s) 0 0
2014 CHICAGO COOK 97TH STREET Automobile 0 Freight Train 0 2
2014 DOLTON COOK PRIVATE Truck-trailer 10 Freight Train 0 0
2014 DES PLAINES COOK DESPLAINES RIVER RD Automobile 0 Commuter 0 1
2014 MIDLOTHIAN COOK 147TH STREET Automobile 35 Freight Train 0 1
2014 CHICAGO COOK BRYN MAWR AVENUE Pedestrian Commuter 1 0
2014 PALATINE COOK BALDWIN ROAD Pedestrian Commuter 0 0
2014 CHICAGO COOK PRIVATE Truck-trailer 0 Yard/Switch 0 0
2014 CHICAGO COOK KILBOURN AVENUE Automobile 0 Commuter 0 0
2014 LA GRANGE COOK LA GRANGE RD Pedestrian Psgr Train 1 0
2014 NORTH RIVERSIDE COOK CERMAK RD Automobile 0 Freight Train 0 0
2014 CHICAGO COOK 95TH STREET Automobile 10 Light Loco(s) 0 0
2014 DIXMOOR COOK THORNTON AVENUE Automobile 35 Yard/Switch 0 1
2014 CHICAGO COOK PRIVATE Truck-trailer 0 Freight Train 0 0
2014 CHICAGO COOK W 104TH ST Automobile 0 Freight Train 0 0
2014 OAK LAWN COOK CENTRAL AVENUE Automobile 10 C 0 1
2014 CHICAGO COOK PRIVATE Truck-trailer 1 Light Loco(s) 0 0
2014 MORTON GROVE COOK BECKWITH ROAD Pedestrian 0 Commuter 0 0
2014 BERKELEY COOK WOLF ROAD Automobile 0 Freight Train 0 0
2014 HARVEY COOK RR ACCESS RD Truck-trailer 5 Light Loco(s) 0 0
2014 FRANKLIN PARK COOK E. END BENS. YARD Van 4 Yard/Switch 0 0
2014 BLUE ISLAND COOK 119TH STREET Automobile 20 Yard/Switch 0 0
2014 CHICAGO COOK PRIVATE Truck-trailer 0 Freight Train 0 0
2014 BLUE ISLAND COOK 139TH ST Automobile 15 Freight Train 0 0
2014 HARVEY COOK WOOD ST Automobile 2 Freight Train 0 0
2014 CHICAGO COOK PRIVATE Truck-trailer 0 Freight Train 0 0
2014 MAYWOOD COOK FIRST AVE. Automobile 0 Freight Train 0 0
2014 MELROSE PARK COOK PRIVATE Truck-trailer 10 Yard/Switch 0 0
2014 CHICAGO COOK KILBOURNE AVE Truck-trailer 10 Commuter 0 0
2014 COOK PRIVATE Truck-trailer 6 Light Loco(s) 0 0
2014 COOK 73 AND CENTRAL Truck-trailer 2 Freight Train 0 0
2014 BLUE ISLAND COOK WINCHESTER AV Pedestrian D 0 2
2014 CHICAGO COOK NARRAGANSETT AVENUE Van 0 Commuter 0 0
2014 CHICAGO COOK PRIVATE Truck-trailer 0 Light Loco(s) 0 0
2015 ELK GROVE VILLAGE COOK LIVELY BLVD Truck-trailer 30 Freight Train 0 0
2015 HARVEY COOK RR ACCESS RD Truck-trailer 5 Yard/Switch 0 1
2015 CHICAGO COOK 115TH STREET Automobile 15 Commuter 0 0
2015 CHICAGO COOK PRIVATE Truck-trailer 0 Yard/Switch 0 0
2015 CHICAGO COOK PRIVATE Truck-trailer 0 Light Loco(s) 0 0
2015 BURNHAM COOK CH 69/BURNHAM AVE Pedestrian Yard/Switch 0 1
2015 CHICAGO COOK PRIVATE Truck-trailer 0 Light Loco(s) 0 0
2015 MCCOOK COOK LAWNDALE AVE Automobile 0 Light Loco(s) 0 0
2015 HARVEY COOK RR ACCESS ROAD Pick-up truck 5 Light Loco(s) 0 0
2015 ALSIP COOK 122ND ST. Automobile 10 Freight Train 0 0
2015 CHICAGO COOK HARLEM AVE Pedestrian Commuter 0 1
2015 ARLINGTON HTS COOK VAIL AVENUE Pedestrian 0 C 0 1
2015 ALSIP COOK 122ND STREET Truck-trailer 5 Light Loco(s) 0 0
2015 CHICAGO COOK CLYDE AVENUE Automobile 10 D 0 0
2015 CHICAGO COOK KILBOURNE AVENUE Automobile 30 Light Loco(s) 0 1
2015 WILMETTE COOK WILLMETTE AVE Pedestrian 0 Commuter 0 0
2015 MORTON GROVE COOK LINCOLN AVE Pedestrian Psgr Train 1 0
2015 MELROSE PARK COOK PROVISO YD PVT Truck-trailer 10 Single Car 0 0
2015 MAYWOOD COOK FIRST AVENUE Automobile 0 Freight Train 0 0
2015 LEMONT COOK LEMONT ST. Pedestrian 0 Freight Train 0 0
2015 CHICAGO COOK 72ND STREET Automobile 0 D 0 2
2015 CHICAGO COOK 76TH STREET Van 10 D 0 0
2015 CHICAGO COOK CITY ST/STONEY ISLAN Truck-trailer 5 Freight Train 0 0
2015 CHICAGO COOK FAU2867/RACINE AVE Pedestrian Freight Train 0 1
2015 DOLTON COOK YARD ACCESS CROSSING Truck-trailer 5 Yard/Switch 0 0
2015 LA GRANGE COOK 47TH STREET Automobile Freight Train 0 1
2015 MT PROSPECT COOK EMMERSON ST. Pedestrian Commuter 1 0
2015 HARVEY COOK ASHLAND AVE Automobile 25 Freight Train 1 0
2015 BURNHAM COOK CH 69/BURNHAM AVE Automobile 0 Freight Train 0 0
2015 CHICAGO COOK NARRAGANSETT AVENUE Automobile 0 Commuter 0 0
2015 NORTHLAKE COOK LAKE STREET Truck-trailer 2 Yard/Switch 0 0
2015 DOLTON COOK INDUSTRY Truck-trailer 20 Yard/Switch 0 0
2015 ALSIP COOK 123RD ST Automobile 0 Freight Train 0 2
2015 BLUE ISLAND COOK CHATHAM ST Automobile 30 Freight Train 0 3
2015 OAK LAWN COOK 107TH AVENUE Automobile 35 Freight Train 0 1
2015 CHICAGO COOK 115TH STREET Automobile 0 Commuter 0 1
2015 CHICAGO COOK 87TH PULASKI Automobile 5 Commuter 2 4
2015 LEMONT COOK PRIVATE CROSSING Truck-trailer 5 Freight Train 0 1
2016 BARTLETT COOK OAK AVE Automobile 0 C 0 0
2016 CHICAGO COOK 95TH STREET Automobile 0 Commuter 0 0
2016 CHICAGO COOK 87TH AND PULASKI Automobile 0 C 0 0
2016 CHICAGO COOK PRIVATE Truck-trailer 5 Yard/Switch 0 0
2016 PALATINE COOK PLUM GROVE RD. Automobile 8 C 0 0
2016 ARLINGTON HTS COOK EUCLID AVE. Automobile 5 Commuter 1 0
2016 NORTHBROOK COOK SHERMER ROAD Pedestrian Freight Train 1 0
2016 PALATINE COOK PLUM GROVE RD. Automobile 0 C 0 0
2016 GLENCOE COOK PARK AVENUE Pedestrian Commuter 0 1
2016 RIVERDALE COOK RIDGELAND AVE Automobile 3 Freight Train 0 1
2016 HARVEY COOK PRIVATE CROSSING Truck-trailer 7 Freight Train 0 0
2016 ELMWOOD PARK COOK 73RD STREET Pedestrian Commuter 1 0
2016 BARRINGTON COOK MAIN ST Automobile 2 Freight Train 0 0
2016 COOK NORMAL AVENUE Automobile 10 Freight Train 0 0
2016 CHICAGO COOK WENTWORTH AVENUE Automobile 0 Freight Train 0 0
2016 CHICAGO RIDGE COOK RIDGELAND AVE Pedestrian Freight Train 0 1
2016 COOK EUCLID AVE Automobile 0 Commuter 0 0
2016 CHICAGO COOK 119TH ST Automobile 20 Psgr Train 1 1
2016 CHICAGO COOK 102ND ST Automobile 0 Commuter 0 0
2016 COOK PRUXNE STREET Automobile 10 Freight Train 0 0
2016 RIVERDALE COOK 138th ST Automobile 2 Freight Train 0 0
2016 CHICAGO COOK KILBOURN Automobile 3 Yard/Switch 0 0
2016 CHICAGO COOK 59TH ST Automobile 15 Freight Train 0 1
2016 CHICAGO COOK ; CALDWELL AVE Automobile 0 B 0 0
2016 ELMWOOD PARK COOK WEST GRAND AVE Automobile 0 Freight Train 0 0
2016 DOLTON COOK LINCOLN AVENUE Automobile 0 Freight Train 0 0
2016 OAK LAWN COOK CENTRAL AVE Automobile 10 B 1 0
2016 ORLAND PARK COOK 153RD ST Automobile 0 Psgr Train 0 0
2016 BARTLETT COOK BARTLETT PEDWAY Pedestrian C 1 0
2016 CHICAGO COOK RACINE AVE. Automobile 1 Cut of Cars 0 0

– Allstate America’s Best Drivers Report

According to an Allstate study on driver behavior, Chicago was ranked the 133rd (out of 200) safest city to drive in nationwide. An average driver in Chicago has 8.3 years between claims, whereas the national average is 10.57 years.

The report also highlighted that Chicago, on average, registered 28.78 hard-braking events per 1,000 miles, which is considerably higher than the national average of 19.

Due to the dangerous driving habits, you would be 28 percent more likely than the national average to have a collision in Chicago.

– Ridesharing

Here’s the list of ridesharing companies in Chicago:

  • Arro
  • Blacklane
  • Carmel
  • Curb
  • Jayride
  • Limos.com
  • Lyft
  • Talixo
  • Taxi
  • Uber
  • Via

– E-star Repair Shops

How to find the best repair shop near you?

Esurance created an E-star repair shop network that provides a list of reputable and top-quality repair shops near your location.

Here are the top 10 repair shops near the Loop:

  • ERIE – LASALLE BODY SHOP – ERIE
  • PAUL RIES AND SONS – II
  • ERIE – LASALLE BODY SHOP – KEDZIE
  • PAUL RIES & SONS
  • B&L AUTOMOTIVE REPAIR, INC._CF
  • GERBER – CHICAGO/ELSTON AVE.
  • TOM AND JERRY’S AUTOBODY_CF
  • FIX AUTO SKOKIE
  • CARSTAR SCOLAS COLLISION CENTER
  • SERVICE KING MORTON GROVE

– Weather

Chicago has a continental climate, characterized by warm summers and cold winters. Lake Michigan influences Chicago’s climate by moderating temperature, causing cooler summer and warmer winters. However, the lakefront effect also brings additional snow to the city.

Here’s the quick summary of the Chicago weather:

WEATHER FACTS DETAILS
Annual High Temperature 59.3°F
Annual Low Temperature 43.3°F
Average Temperature 5.13°F
Average Annual Rainfall 18.67 inches
Days per year with rainfall 119 days

The number of disasters in Cook County is higher than the national average. Common natural disasters in Cook County tend to be floods, storms, tornadoes, snowstorms, winter storms, and blizzards.

To protect against natural disasters, you should purchase a suitable comprehensive policy.

– Public Transit

Chicago Transit Authority (CTA) manages public transportation in Chicago. CTA operates the subway system called the ‘L’ and several bus routes.

CTA charges customers $2.5 for the ‘L’ and $2.25 for the bus, while the transfers cost $0.25. You see the full fare chart on the CTA website.

The transit authority also offers a Ventra card, a reloadable chip card designed to help make the payment easier for a daily commute.

– Alternate Transportation

Chicago is late to the scooter-rental game. The city is currently running a four-month pilot program in the city’s the West Side neighborhood.

Around 10 companies are participating in the pilot program, including Bird, Lime, Lyft, Bolt, Grüv, Jump, Sherpa, Spin, VeoRide, and Wheels.

Chicago also has a citywide bike-sharing program called Divvy. Each ride costs $3, and a day pass is worth $15.

– Parking in Metro Areas

We know that parking is a hassle in the Loop. There are several apps available to help you book a parking spot ahead of time:

– Air Quality in Chicago

Cars powered by fossil fuels contribute to air pollution; this includes particulate matter, volatile organic compounds, nitrogen oxide, etc. To control vehicle emissions, the Environmental Protection Agency enforces various rules and regulations.

City # DAYS WITH AQI GOOD MODERATE UNHEALTHY FOR SENSITIVE GROUPS UNHEALTHY VERY UNHEALTHY
Chicago-Naperville-Elgin, IL-IN-WI 365 117 222 20 6 -

Military/Veterans in Chicago

We thank all the military personnel and veterans for the services they rendered for this country.

Through this section, we want to make the process of buying car insurance a tad easier for you. We will talk about the options and average annual rates available for military personnel.

In Chicago, the majority of military personnel and veterans have served in Vietnam and the Second Gulf War.

Veterans service period in Chicago

The military base closest to Chicago is the Naval Station Great Lakes Base, which has been operational since 1911. It is the largest training center in the Navy and is the training location of over two million sailors. The next closest military base is Grissom Air Reserve Base in Indiana.

You can seek quotes from the following insurers, as they provide insurance discounts for military personnel and veterans:

  • Allstate
  • Esurance
  • Farmers Insurance
  • GEICO
  • Liberty Mutual
  • Metlife
  • StateFarm
  • The General
  • USAA
  AVERAGE ANNUAL PREMIUM ($3,305.48) HIGHER/LOWER (%)
Allstate $5,204.41 57.45
Farmers Insurance $4,605.20 39.32
GEICO $2,779.16 -15.92
Liberty Mutual $2,277.65 -31.09
StateFarm $2,344.88 -29.06
USAA $2,770.21 -16.19

Liberty Mutual (a 31 percent discount), followed by State Farm (29 percent), provides the maximum discount to military personnel and veterans in Chicago.

Unique City Laws

Did you know that kites can’t be flown within Chicago city limits?

Chicago, like many other large cities, has some unique city laws.

– Handheld Device Laws

In Chicago, it is illegal to use handheld devices while driving, but you are allowed to use hands-free devices.

– Food Trucks

Food trucks have it rough in Chicago. According to the law, food trucks cannot operate within 200 feet of any fixed business that serves food. The fine for violating the rule is $2,000.

The food trucks also have to install a GPS monitoring system that reports their whereabouts once every five minutes.

According to the U.S. Chamber of Commerce Foundation, the city regulations have been prohibitive to the growth of the food truck industry.

You can check out the licensing laws on the City of Chicago website.

– Tiny Homes

Tiny homes have the potential to provide a path to homeownership for individuals and families that are being priced out of the real estate market.

Unfortunately, tiny houses in Chicago fall into a gray area, neither are explicitly banned nor allowed.

Chicago law stipulates that the minimum size for free-standing dwelling should be 500 square feet and that multiple free-standing dwellings cannot be built on a single plot.

– Parking Laws

We understand the parking can be a hassle in Chicago. Here are some quick tips to help you park.

  • All residents of Chicago (whether homeowner or renter) must obtain city parking stickers.
  • You should not park more than 12 inches from the curb
  • Park at least 20 feet away from a crosswalk, 20 feet from a stop sign, and 15 feet away from fire hydrants
  • Street parking is not allowed in more than two inches of snow

You can metered parking on the City of Chicago website.

Chicago Car Insurance FAQs

– How much is car insurance in Chicago?

The average annual cost of car insurance is $4,497 in Chicago. The average cost of car insurance in Chicago for men is $4,535, and for women, $4,277.

– What Type of Car Insurance is Required in Illinois?

Illinois follows a tort system with modified comparative negligence. Under the system, the driver who caused the accident pays up to the percentage of their fault. The state laws require you to carry minimum liability insurance.

– What Happens When You Drive Without Insurance in Illinois?

In Illinois, you are required to carry proof of insurance in the vehicle at all times. Failure to do so may attract fines and suspension of driving privileges.

The penalties can be between $500 – $1000 for the first two offenses. You can also have your license and registration suspended for up to four months.

The rule is enforced either during the traffic stop or through a random selection process, where the state sends you a questionnaire that you need to submit within 30 days.

– What is the State Minimum for Car Insurance in Illinois?

The minimum required car insurance in Chicago includes:

  • $20,000 for property damage in an accident caused by you
  • $25,000 for bodily injury to one person in an accident caused by you
  • $50,000 for more than one person in an accident caused by you

– Can I Review my Red-Light Camera Violation?

If you received a red-light camera ticket, the video of your red-light violation will be available for two years.

Are you ready to start your search for car insurance quotes? Use our FREE tool to get quotes from different insurers. Just enter your zip code to get started.

References:
  1. https://datausa.io/profile/geo/chicago-il/
  2. https://www.quadinfo.com/
  3. https://www.fhwa.dot.gov
  4. http://www.nolo.com
  5. https://epic.org/privacy/choicepoint/fcraltr/mvrhowtoread.pdf
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  10. http://cmegroup.com/company/cbot.html
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  16. https://en.wikipedia.org/wiki/List_of_Nobel_laureates_affiliated_with_the_University_of_Chicago
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  19. https://www.chicagoreporter.com/black-chicagoans-most-likely-to-live-in-deep-poverty/#targetText=In%20Chicago%2C%20about%20274%2C000%20people,from%20the%20U.S.%20Census%20Bureau.
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  26. https://apps.dot.illinois.gov/roadconstructionpermits/roadConstructionReport.htm
  27. https://www.chicagotribune.com/news/breaking/ct-biz-transit-road-project-money-20190604-story.html
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  29. https://www.chicago.gov/city/en/depts/fin.html
  30. https://www.chicago.gov/city/en/depts/fin/supp_info/revenue/locations_of_red-lightcameraintersections.html
  31. https://www.illinoispolicy.org/illinois-drivers-may-see-end-of-automated-tickets-from-red-light-cameras/
  32. https://www.yourmechanic.com/article/the-most-popular-cars-in-american-cities
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  34. https://www.autoremarketing.com/trends/most-popular-used-cars-5-major-cities
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