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Car Insurance in Chicago

Compare car insurance costs in Chicago, Illinois

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Car Insurance in Chicago, IL

Driving in the Windy City can be a breeze with the right car insurance. On the other hand, riding through Wrigleyville or steering through the South Loop without the right car coverage in Chicago can leave you out in the cold.

Driving in Chicago is similar to driving in other major metro areas in the U.S. most of the year. During winter, Illinois' largest city adds a few practices to aid road-clearing crews. For instance, whether snow is present or not, you can't park on certain streets from 3 AM-7 AM December 1st through April 1st. Luckily, drivers in Chicago don't need to buy any additional car insurance beyond what's required by state law.

As you compare car insurance quotes in Chicago, don't be surprised to see a wide range of prices. Companies calculate your rate differently based on your age, driving record, and location — down to your zip code. This page is here to help you shop around to find the best, cheapest car insurance in Chicago. 

How much is car insurance in Chicago, IL?

The cost of insurance coverage in the city of Chicago can vary widely based on the plans you choose. For a basic reference, below are the average costs for the three most popular types of coverage in the area:

$72
State Minimum
$232
Full 50/100
$231
Full 100/300

Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Chicago?

if you are considering newer vehicles that are known for their lower insurance costs, here are the top 10 most budget-friendly car makes and models to consider in Chicago:

RankMake and ModelAverage Monthly Premium
1Dodge Grand Caravan$207
2Subaru Forester$213
3Jeep Cherokee$215
4Honda Cr-V$216
5Ford F-150$218
6Kia Sol$220
7Ford Fusion$220
8Toyota Tacoma$225
9Toyota Corolla$226
10Kia Sedona$226
Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024

How do claims and violations impact my total cost?

Analyzing and ranking the insurance costs for each car make, model, and year in the city is a complicated task. However, if you are in the market for newer vehicles that typically have lower insurance rates, here are the top 10 most cost-effective car makes and models to consider in Chicago:

Violation or ClaimAverage Monthly CostPrice Difference
None$232+0%
Not at-fault Accident$240+3%
Driving with expired registration$283+22%
Speeding Ticket$290+25%
At-fault Accident$352+52%
DUI$429+85%
Hit and Run$435+88%
Driving with a suspended license$460+98%

What car insurance discounts can I get in Chicago?

In Chicago, a variety of discounts are available that can help lower your insurance expenses. These opportunities are listed below, ordered from the most to the least significant in terms of potential savings on your premiums:

Potential DiscountsAverage Monthly CostMonthly Savings
Multi-Policy Home$202+$30
Paid in Full$218+$14
Multi-Policy Renters$222+$10
Low Mileage$225+$7
Renewal discount$226+$6
Electronic Funds Transfer$227+$5
Paperless$231+$1
None$232+$0

Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.