Cheapest Auto Insurance in Chicago, Illinois (2024)

Auto-Owners has the cheapest liability coverage in Chicago, at $35 per month.

• 3 years of content writing
• Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

• Corporate communications director for Insurance Information Institute
• 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

• 7+ years experience in data analysis
• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated September 5, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Chicago, Illinois

Drivers in and around Chicago, Illinois have found policies from State Farm, Bristol West, The General, and more, through Insurify in the last few days.

We just helped a driver in Loves Park, Illinois cover their Chevrolet Colorado with this quote from Certainly.

Elephant helped a Chrysler Town & Country driver in Joliet, Illinois save on car insurance with this quote.

We just helped a driver in Glendale Heights, Illinois cover their Hyundai Tucson with this quote from Bristol West.

The General helped a Chrysler 200 driver in Danville, Illinois save on car insurance with this quote.

We just helped a driver in Waukegan, Illinois cover their Chevrolet Tahoe with this quote from Freedom National.

A Riverdale, Illinois driver just saved on coverage for their Chevrolet Corvette with this quote from National General.

*Quotes generated for Insurify users in and around Chicago, Illinois within the last 10 days. Last updated on September 5, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 5, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

We just helped a driver in Lake Forest, Illinois cover their Jeep Grand Cherokee with this quote from Liberty Mutual.

A Aurora, Illinois driver just saved on coverage for their Ford Escape with this quote from Progressive.

We just helped a driver in Tinley Park, Illinois cover their Nissan Sentra with this quote from Certainly.

A Streator, Illinois driver just saved on coverage for their Chevrolet Malibu with this quote from National General.

First Chicago helped a Nissan Murano driver in Hoffman Estates, Illinois save on car insurance with this quote.

A Lisle, Illinois driver just saved on coverage for their Nissan Versa with this quote from Bristol West.

Direct Auto helped a Chevrolet Equinox driver in Downers Grove, Illinois save on car insurance with this quote.

*Quotes generated for Insurify users in and around Chicago, Illinois within the last 10 days. Last updated on September 5, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 5, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Table of contents

• Cheapest companies
• Get cheap insurance
• Liability only
• Full coverage
• IL requirements
• Rates by history
• Rates for seniors
• Rates for teens
• Rates by credit tier
• Other IL cities
• FAQs

• Cheapest companies
• Get cheap insurance
• Liability only
• Full coverage
• IL requirements
• Rates by history
• Rates for seniors
• Rates for teens
• Rates by credit tier
• Other IL cities
• FAQs

Table of contents

• Cheapest companies
• Get cheap insurance
• Liability only
• Full coverage
• IL requirements
• Rates by history
• Rates for seniors
• Rates for teens
• Rates by credit tier
• Other IL cities
• FAQs

• Cheapest companies
• Get cheap insurance
• Liability only
• Full coverage
• IL requirements
• Rates by history
• Rates for seniors
• Rates for teens
• Rates by credit tier
• Other IL cities
• FAQs

With more than 2.7 million residents, Chicago is the largest city in Illinois. [1] This is likely why its overall average monthly car insurance cost of $160 is higher than the state average of $131.

Increased population means more drivers on the road, more traffic congestion, and a higher likelihood of accidents. A high rate of vehicle thefts also contributes to the city’s higher car insurance rates — vehicle theft rates in the city jumped 26% in 2023. [2]

But you can still secure affordable car insurance rates by comparing quotes from multiple insurers.

• Drivers in Chicago pay an average of $93 per month for liability insurance and $226 per month for full coverage.
• The cheapest car insurance companies in Chicago are Auto-Owners, State Farm, and Hugo.
• Illinois offers the Illinois Auto Insurance Plan (IAIP) for drivers who can’t secure coverage from a traditional insurer.

3 of the cheapest car insurance companies in Chicago

Three of the cheapest car insurance companies in Chicago are State Farm, Auto-Owners, and Hugo. While these companies are an affordable option for many drivers, your rates will vary based on your driver profile and coverage needs.

The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

  Best insurer for teen drivers: State Farm

  teen driversState Farm

  Compare Quotes Compare personalized, real-time quotes 3,956 reviews

  The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.

  Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.

  Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.

  People younger than 18 comprise 20% of Chicago’s population, according to the U.S. Census Bureau. [3] If you or someone in your household is a teen driver, consider State Farm for its competitive rates and many discounts.

  Pros and cons
  • High levels of claims and customer satisfaction [4]
  • Offers rideshare insurance
  • No gap insurance
  • Doesn’t offer accident forgiveness
  Reviews (3,956) James - September 4, 2024

  Why I Will Not Continue with State Farm

  I've never had an accident in my 50+ years of driving. I've never had a speeding ticket. My car has been paid for since the day I bought it. I don't own a house because we live in my wife's house. I've been a member of Triple A for over 40 years. I'm 68 years old with minimal debt. I was a courier for 14 years for a medical group before retirement. A few months ago, I went back to work part-time as a DOT certified 12 passenger bus driver, driving physically and mentally impaired people to dialysis, doctor appointments, hospitals, adult daycare, etc. I was initially quoted a price of $36 per month. After agreeing to put a monitor in my vehicle to apparently see how well I drive, I now pay over $74 per month. My rate should be based on my driving record and my available discounts, not on if I brake too hard or if I was going over the speed limit at times to keep pace with traffic. I will definitely find insurance with another carrier as soon as I review several quotes.

  David - September 4, 2024

  My Insurance Went Up by $70

  It's going to be a bit more expensive. Christoher - September 4, 2024

  Need to Improve to Retain Customers Even as a Big Company

  Changing offers without providing better rates for customers is not commendable. I wouldn't recommend it.

  1 2 3 4 … 25

  Best insurer for drivers with incidents: Auto-Owners

  drivers with incidentsAuto-Owners

  Compare Quotes Compare personalized, real-time quotes 66 reviews

  The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.

  Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.

  Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.

  Chicago experienced more than 100,000 crashes in 2023, according to the Chicago Health Atlas. [5] Auto-Owners is an excellent option for drivers with a moving violation on their record. The company offers great rates and accident forgiveness coverage to prevent rates from increasing after their first accident.

  Pros and cons
  • Wide selection of coverage options
  • Ranked above average in J.D. Power’s auto claims satisfaction survey [4]
  • Only offered in 26 states
  • Online quotes unavailable