Cheapest Car Insurance Quotes in Chicago

Finding the cheapest car insurance quotes in Chicago shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Chicago Car Insurance

^$ 36

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Chicago

The car insurance rate in Chicago is $1238 for a six-month policy, which is $372 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $509, making it a popular choice for budget-conscious drivers. Rates in Chicago can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Chicago

$1238

Avg. Car Insurance in Illinois

$866

National Average

$1278

Cheapest Car Insurance Companies in Chicago

1st place: American Family

At $509 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $638 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $722 for six months, making it the third cheapest auto insurance company in Chicago.

Chicago Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chicago, IL is American Family, offering policies at just $509 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $638.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2455 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chicago drivers find the best deals.

Cheap Car Insurance Companies in Chicago, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$509	$87
Auto-Owners Insurance Co	$638	$106
Westfield	$722	$123
Travelers	$925	$156
Country Financial	$985	$166
Erie	$1147	$193
USAA	$1367	$230
Auto-Owners	$1410	$237
Progressive	$1444	$243
State Farm	$1554	$262
Farmers	$1707	$290
Allstate	$2455	$413

Key Takeaways

Way's key takeaways about car insurance in Chicago

The auto insurance costs in Chicago fall around $509 for six months.
The cheapest auto insurance company in Chicago is Mercury.
Teen drivers pay the highest rate in Chicago at $972 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Chicago

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Chicago are given below.

Mercury provides the cheapest minimum car insurance coverage in Chicago. Their Average 6 Month Premium is $213. Farmers is the most expensive at $1062 for the same period.

Cheapest Liability Coverage in Chicago, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$213	$36
Westfield	$229	$39
Auto-Owners Insurance Co	$272	$46
American Family	$289	$49
Erie	$356	$60
Travelers	$390	$66
Auto-Owners	$399	$67
Country Financial	$399	$67
USAA	$493	$83
State Farm	$526	$89
Progressive	$552	$93
Allstate	$815	$137
Farmers	$1062	$180

Cheapest Full Coverage Car Insurance in Chicago

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Chicago is American Family at $87 per month and $509 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chicago, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$509	$87
Auto-Owners Insurance Co	$638	$106
Westfield	$722	$123
Travelers	$925	$156
Country Financial	$985	$166
Erie	$1147	$193
USAA	$1367	$230
Auto-Owners	$1410	$237
Progressive	$1444	$243
State Farm	$1554	$262
Farmers	$1707	$290
Allstate	$2455	$413

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Average Car Insurance in Chicago by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Chicago, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Chicago, Illinois, may be increasing due to several external factors. Illinois has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Chicago's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Chicago

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Chicago,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Chicago at $46 per month. At $5776 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$272	$46
American Family	$315	$53
Mercury	$315	$53
Auto-Owners Insurance Co	$340	$57
Farmers	$552	$92
Country Financial	$1546	$260
Travelers	$1614	$272
Erie	$1835	$309
USAA	$2786	$469
Auto-Owners	$3042	$518
Progressive	$4281	$721
State Farm	$5292	$891
Allstate	$5776	$972

Teen Car Insurance Rates in IL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Chicago, Mercury is the cheapest car insurance provider. At $323 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Chicago is Farmers, offering rates of around $4154 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$323	$54
Westfield	$425	$72
American Family	$535	$92
Hanover	$569	$94
Travelers	$1020	$172
Country Financial	$1147	$193
Progressive	$1419	$239
USAA	$2514	$419
Erie	$2736	$465
Auto-Owners	$3891	$648
Allstate	$4452	$756
State Farm	$6642	$1107
Farmers	$4154	$706

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Car Insurance Rates with An Accident in Chicago

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Chicago, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Chicago

The cheapest car insurance companies after an at-fault accident in Chicago include American Family and AutoOwners Insurance Co, offering $340 and $356, respectively. Allstate is an expensive provider with an average six-month premium of $4187.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$340	$57
Auto-Owners Insurance Co	$356	$60
Westfield	$365	$61
Mercury	$468	$80
Farmers	$696	$116
Travelers	$858	$144
Erie	$1062	$179
Country Financial	$1130	$190
State Farm	$1427	$240
USAA	$1529	$257
Auto-Owners	$1597	$266
Progressive	$2158	$363
Allstate	$4187	$705

Chicago Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chicago IL. For example, the car insurance in Chicago after a DUI increases to $1173 for a six month policy. While the rate increases by $315 for a six-month policy in the case of a speeding ticket.

Chicago auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1401	$233
One Med/PIP claim	$1410	$240
Not-at-fault accident	$1487	$247
One comp claim	$1520	$259
Two Med/PIP claims	$1520	$253
Failure to wear a seat belt	$1630	$277
Driving without lights	$1647	$275
Child safety restraint	$1656	$282
Two comp claims	$1656	$276
Failure to show documents	$1682	$286
Speeding 6 - 10 MPH over limit	$1716	$286
Driving with expired registration	$1725	$293
Speeding 11 - 15 MPH over limit	$1759	$293
Driving too slowly	$1767	$300
Failure to yield	$1767	$295
Illegal turn	$1767	$300
At-fault accident - less than $1000	$1783	$297
Failure to stop at a red light	$1783	$303
Following too closely	$1783	$297
Speeding 16 - 20 MPH over limit	$1792	$305
Speeding in school zone	$1792	$299
Improper passing	$1800	$306
Wrong way/wrong lane	$1800	$300
Cell phone violation	$1835	$312
Texting while driving	$1835	$306
Passing school bus	$1852	$315
In 65 MPH zone	$1860	$310
Speeding 21 - 25 MPH over limit	$1878	$319
Operating a vehicle without permission	$1912	$319
At-fault accident - $1000-$2000	$2031	$345
At-fault accident - greater than $2000	$2063	$345
Open container	$2132	$363
Reckless driving	$2472	$412
Racing	$2497	$425
Driving with a suspended license	$2548	$425
Refusal to submit to a chemical test	$2565	$436
DUI	$2574	$429
Leaving scene of an accident/hit and run	$2600	$442

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Chicago after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Chicago.

The cheapest car insurance premiums in Chicago are offered by Mercury at $323 for a six-month policy. However, it can be as expensive as $3644 with companies like Farmers.

Chicago car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$323	$54
American Family	$340	$57
Travelers	$909	$153
Progressive	$1095	$184
Erie	$1308	$220
Country Financial	$1520	$256
USAA	$2089	$352
State Farm	$2149	$362
Auto-Owners	$2268	$386
Allstate	$3602	$606
Farmers	$3644	$619

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Chicago are offered by Westfield at $272. However, it can be as expensive as $6677 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Chicago after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$272	$46
Auto-Owners Insurance Co	$306	$51
Mercury	$332	$56
American Family	$340	$57
Hanover	$408	$69
Erie	$849	$143
Country Financial	$1020	$172
Travelers	$1291	$215
Auto-Owners	$1308	$223
State Farm	$1639	$273
USAA	$1809	$307
Progressive	$1852	$309
Allstate	$3857	$656
Farmers	$6677	$1113

Car Insurance Price Trends in Chicago, Illinois

Car insurance rates in Chicago have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Chicago remained steady at $242 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Chicago remained steady at $73 in both February and January, indicating no change over the two month period.

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Average Car Insurance Cost in Chicago by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Chicago. At $1287 for a six-month policy, insuring your car at 60629 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
60629	$1287	$217
60628	$1263	$212
60626	$1250	$210
60636	$1250	$210
60634	$1263	$212
60633	$1238	$208
60632	$1275	$215
60631	$1250	$210
60630	$1263	$212
60639	$1275	$215
60638	$1263	$212
60637	$1250	$210
60603	$1238	$208
60647	$1275	$215
60646	$1250	$210
60602	$1238	$208
60601	$1238	$208
60645	$1250	$210
60644	$1250	$210
60643	$1250	$210
60642	$1238	$208
60641	$1263	$212
60640	$1263	$212
60609	$1263	$212
60608	$1263	$212
60607	$1250	$210
60606	$1238	$208
60649	$1250	$210
60605	$1250	$210
60604	$1238	$208
60614	$1263	$212
60613	$1250	$210
60657	$1263	$212
60612	$1250	$210
60656	$1250	$210
60655	$1250	$210
60611	$1250	$210
60654	$1238	$208
60610	$1250	$210
60653	$1250	$210
60652	$1250	$210
60651	$1263	$212
60619	$1263	$212
60618	$1275	$215
60617	$1275	$215
60616	$1263	$212
60615	$1250	$210
60659	$1250	$210
60625	$1263	$212
60624	$1250	$210
60623	$1275	$215
60622	$1250	$210
60621	$1250	$210
60620	$1263	$212
60661	$1238	$208
60660	$1250	$210

Frequently Asked Questions

How much is car insurance in Chicago?

The car insurance in Chicago is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Chicago?

The cheapest car insurance in Chicago is $87 per month for full coverage.

How much is car insurance in Chicago for teenagers?

Car insurance for teenagers costs $272 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Chicago?

The average cost of car insurance is $866 for a six-month policy. It will cost around $209 per month to insure your car in Chicago.

Is car insurance expensive in Chicago?

Car insurance can be expensive in Chicago if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Chicago can be affordable.

Cheapest Car Insurance Quotes in Chicago

Why you can trust Way?

How Much Is Car Insurance in Chicago

Avg. Car Insurance in Chicago

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Chicago

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Chicago Car Insurance Rates by Company

Cheap Car Insurance Companies in Chicago, IL

Way's key takeaways about car insurance in Chicago

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chicago

Cheapest Liability Coverage in Chicago, IL

Cheapest Full Coverage Car Insurance in Chicago

Cheapest Full Coverage Car Insurance Quotes in Chicago, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chicago by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Chicago, IL increasing?

Car Insurance Premiums by Age in Chicago

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Chicago,IL

If you are in your twenties N/A is the best choice for car insurance in Chicago.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Chicago

Cheapest Car Insurance Companies after an At-Fault Accident in Chicago

Chicago Car Insurance Rates by Violation

Chicago auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chicago after a DUI

Chicago car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chicago after Speeding ticket

Car Insurance Price Trends in Chicago, Illinois

Average Car Insurance Cost in Chicago by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chicago, IL

Car Insurance Rates by State in the USA (2025 Update)

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