Best Cheap Auto Insurance in Chicago, IL (2021)

The average Chicago, IL auto insurance rates are $378 per month. The minimum auto insurance in Chicago is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Chicago, Illinois, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • The cheapest auto insurance company in Chicago is Liberty Mutual
  • Average auto insurance rates in Chicago, IL for senior drivers are $2,546 per year
  • The average commute length in Chicago is 24.2 minutes

Chicago, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Chicago can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Chicago, Illinois, including driving record, credit, commute time, and more.

Compare auto insurance in Chicago to other Illinois cities, including Elgin auto insurance rates, Peoria auto insurance rates, and Rockford auto insurance rates to see how Chicago, Illinois auto insurance rates stack up.

Before you buy Chicago, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Chicago, Illinois auto insurance quotes.

Minimum Auto Insurance in Chicago, Illinois

Chicago, Illinois auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Chicago, Illinois.

Minimum Required Auto Insurance Coverage in Chicago, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Chicago, Illinois Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Chicago, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chicago, Illinois

Insurance Company 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
Allstate $4,334 $4,352 $4,541 $4,541 $11,232 $14,601 $5,208 $5,625
American Family $3,146 $3,146 $2,885 $2,885 $8,975 $12,401 $3,146 $4,061
Farmers $3,388 $3,382 $3,005 $3,196 $14,813 $15,389 $3,859 $4,010
GEICO $2,322 $2,386 $2,260 $2,521 $8,441 $8,810 $2,693 $2,820
Liberty Mutual $1,730 $1,870 $1,446 $1,621 $5,832 $6,480 $1,795 $1,880
Nationwide $3,468 $3,526 $3,079 $3,262 $9,763 $12,531 $4,062 $4,401
Progressive $2,708 $2,546 $2,237 $2,349 $9,988 $11,206 $3,228 $3,488
State Farm $1,985 $1,985 $1,795 $1,795 $6,257 $7,887 $2,248 $2,602
Travelers $2,097 $2,214 $1,930 $2,059 $6,437 $8,162 $2,226 $2,347
USAA $1,906 $1,929 $1,771 $1,733 $6,350 $6,988 $2,518 $2,753

Cheap Chicago, Illinois Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Chicago, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Chicago, Illinois.

Annual Auto Insurance Rates for Teen Drivers in Chicago, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,232 $14,601
American Family $8,975 $12,401
Farmers $14,813 $15,389
GEICO $8,441 $8,810
Liberty Mutual $5,832 $6,480
Nationwide $9,763 $12,531
Progressive $9,988 $11,206
State Farm $6,257 $7,887
Travelers $6,437 $8,162
USAA $6,350 $6,988

Cheap Chicago, Illinois Auto Insurance for Seniors

What are senior auto insurance rates in Chicago, Illinois? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Chicago, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,541 $4,541
American Family $2,885 $2,885
Farmers $3,005 $3,196
GEICO $2,260 $2,521
Liberty Mutual $1,446 $1,621
Nationwide $3,079 $3,262
Progressive $2,237 $2,349
State Farm $1,795 $1,795
Travelers $1,930 $2,059
USAA $1,771 $1,733

Cheap Chicago, Illinois Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Chicago, Illinois compared to the annual auto insurance rates with a clean record in Chicago, Illinois.

Annual Chicago, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,847 $8,304 $7,674 $6,391
American Family $3,751 $5,257 $7,062 $4,252
Farmers $5,380 $6,955 $6,784 $6,402
GEICO $2,702 $4,290 $5,952 $3,182
Liberty Mutual $2,349 $3,360 $2,942 $2,676
Nationwide $4,427 $5,751 $6,771 $5,097
Progressive $3,875 $5,792 $4,300 $4,908
State Farm $3,015 $3,623 $3,319 $3,319
Travelers $2,710 $3,582 $4,023 $3,421
USAA $2,298 $3,329 $4,569 $2,778

Cheap Chicago, Illinois Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Chicago, Illinois is not easy. Compare the annual rates for DUI auto insurance in Chicago, Illinois to find the best deal.

Annual Auto Insurance Rates After a DUI in Chicago, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,674
American Family $7,062
Farmers $6,784
GEICO $5,952
Liberty Mutual $2,942
Nationwide $6,771
Progressive $4,300
State Farm $3,319
Travelers $4,023
USAA $4,569

Cheap Chicago, Illinois Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Chicago, Illinois annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Chicago, Illinois

Insurance Company Poor Fair Good
Allstate $8,679 $6,251 $5,482
American Family $6,745 $4,601 $3,895
Farmers $7,257 $6,092 $5,792
GEICO $6,513 $3,146 $2,436
Liberty Mutual $4,020 $2,497 $1,979
Nationwide $6,621 $5,303 $4,610
Progressive $5,370 $4,563 $4,223
State Farm $4,816 $2,893 $2,248
Travelers $4,178 $3,386 $2,738
USAA $4,314 $2,969 $2,448

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Cheap Chicago, Illinois Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Chicago, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Chicago, Illinois to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Chicago, Illinois

ZIP Code Average Annual Rates
60601 $3,853
60602 $3,867
60603 $4,006
60604 $3,992
60605 $3,976
60606 $3,901
60607 $4,264
60608 $4,656
60609 $4,881
60610 $3,938
60611 $3,885
60612 $4,821
60613 $4,056
60614 $3,838
60615 $4,456
60616 $4,509
60617 $4,751
60618 $4,263
60619 $5,005
60620 $5,107
60621 $5,252
60622 $4,330
60623 $5,320
60624 $5,308
60625 $4,341
60626 $4,446
60628 $4,963
60629 $4,910
60630 $4,349
60631 $4,145
60632 $4,807
60633 $4,587
60634 $4,478
60636 $5,370
60637 $4,979
60638 $4,606
60639 $5,011
60640 $4,200
60641 $4,599
60642 $4,365
60643 $4,566
60644 $5,296
60645 $4,468
60646 $4,278
60647 $4,353
60649 $5,113
60651 $5,302
60652 $4,665
60653 $4,900
60654 $3,926
60655 $4,371
60656 $4,184
60657 $3,813
60659 $4,542
60660 $4,329
60661 $3,863
60699 $4,113
60701 $4,320
60707 $4,572

Cheap Chicago, Illinois Auto Insurance Rates By Commute

Commute length and annual mileage affect Chicago, Illinois auto insurance. Find the cheapest annual Chicago, Illinois auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Chicago, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,804 $6,804
American Family $5,016 $5,145
Farmers $6,380 $6,380
GEICO $3,961 $4,103
Liberty Mutual $2,832 $2,832
Nationwide $5,512 $5,512
Progressive $4,719 $4,719
State Farm $3,238 $3,400
Travelers $3,296 $3,572
USAA $3,152 $3,335

Cheap Chicago, Illinois Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Chicago, Illinois? Check out the comparison of annual Chicago, Illinois auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Chicago, Illinois

Insurance Company Low Medium High
Allstate $6,555 $6,794 $7,063
American Family $4,891 $5,266 $5,085
Farmers $6,039 $6,220 $6,881
GEICO $3,664 $4,022 $4,409
Liberty Mutual $2,650 $2,824 $3,022
Nationwide $5,440 $5,558 $5,536
Progressive $4,324 $4,695 $5,138
State Farm $3,124 $3,323 $3,510
Travelers $3,193 $3,429 $3,680
USAA $3,027 $3,241 $3,462

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Best By Category: Cheapest Auto Insurance in Chicago, Illinois

Compare the cheapest auto insurance companies in Chicago, Illinois in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Chicago, Illinois

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

The Cheapest Chicago, Illinois Auto Insurance Companies

What auto insurance companies in Chicago, Illinois are the cheapest? Compare the top Chicago, Illinois auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Chicago, Illinois

Insurance Company Average Annual Rates
Allstate $6,804
American Family $5,081
Farmers $6,380
GEICO $4,032
Liberty Mutual $2,832
Nationwide $5,512
Progressive $4,719
State Farm $3,319
Travelers $3,434
USAA $3,244

What affects auto insurance rates in Chicago, Illinois?

There are a lot of reasons why auto insurance rates in Chicago, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Chicago, Illinois. Many local factors may affect your Chicago auto insurance rates.

Chicago Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Chicago, Illinois commute length is 24.2 minutes according to City-Data.

Chicago Traffic

How does Chicago, Illinois rank for traffic? According to Inrix Chicago, Illinois is the 7th most congested worldwide.

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Compare Chicago, Illinois Auto Insurance Quotes

Before you buy Chicago, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Chicago, Illinois auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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