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

^$ 34

/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 $1173 for a six-month policy, which is $304 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $602, 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

$1173

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Chicago

1st place: AutoOwners Insurance Co

At $602 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $682 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Country Financial

Country Financial offers auto insurance rates at $714 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 AutoOwners Insurance Co, offering policies at just $602 for a six-month term. This is followed by Westfield, which has an average six-month premium of $682.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1091 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
Auto-Owners Insurance Co	$602	$103
Westfield	$682	$113
Country Financial	$714	$120
Travelers	$851	$143
American Family	$987	$166
Erie	$1034	$173
USAA	$1219	$205
State Farm	$1227	$207
Progressive	$1347	$227
Auto-Owners	$1419	$236
Allstate	$2037	$343
Farmers	$2037	$343
Hanover	$1268	$211
Mercury	$1083	$181
Hastings Mutual	$1091	$185

Key Takeaways

Way's key takeaways about car insurance in Chicago

The auto insurance costs in Chicago fall around $602 for six months.
The cheapest auto insurance company in Chicago is Mercury.
Teen drivers pay the highest rate in Chicago at $78 per month.

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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 $201. First Chicago is the most expensive at $265 for the same period.

Cheapest Liability Coverage in Chicago, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$201	$34
Westfield	$216	$36
Auto-Owners Insurance Co	$257	$43
Country Financial	$273	$46
Erie	$336	$57
Auto-Owners	$369	$62
Travelers	$369	$62
American Family	$425	$72
State Farm	$425	$72
USAA	$450	$76
Progressive	$521	$88
Allstate	$818	$138
Farmers	$1003	$170
Hanover	$240	$41
AAA	$344	$58
First Chicago	$265	$45

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 AutoOwners Insurance Co at $103 per month and $602 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chicago, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$602	$103
Westfield	$682	$113
Country Financial	$714	$120
Travelers	$851	$143
American Family	$987	$166
Erie	$1034	$173
USAA	$1219	$205
State Farm	$1227	$207
Progressive	$1347	$227
Auto-Owners	$1419	$236
Allstate	$2037	$343
Farmers	$2037	$343
Hanover	$1268	$211
Mercury	$1083	$181
Hastings Mutual	$1091	$185

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$954
30s	Auto-Owners	$660
40s	Auto-Owners	$648
50s	Auto-Owners	$612
60s	Auto-Owners	$643
70s	Auto-Owners	$815

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 $43 per month. At $458 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$257	$43
Mercury	$297	$50
Auto-Owners Insurance Co	$321	$54
Country Financial	$1091	$184
Erie	$1339	$225
Travelers	$1419	$239
USAA	$2471	$416
American Family	$2959	$498
State Farm	$4258	$717
Progressive	$4266	$718
Allstate	$4956	$834
Farmers	$5044	$849
AAA	$458	$78

Teen Car Insurance Rates in IL by Age

Way Tip

If you are in your twenties AutoOwners is the best choice for car insurance in Chicago.

As young drivers face the highest rates in Chicago, AutoOwners offers the cheapest auto insurance rates at $954 for six months.

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 $305 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 State Farm, offering rates of around $4194 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$305	$51
Westfield	$401	$69
Hanover	$537	$89
Country Financial	$802	$135
Travelers	$890	$150
Progressive	$1274	$215
American Family	$1563	$263
USAA	$2076	$354
Allstate	$3409	$568
Farmers	$3922	$667
State Farm	$4194	$699

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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 AutoOwners Insurance Co and Westfield, offering $336 and $344, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $401.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$336	$57
Westfield	$344	$58
Mercury	$441	$73
Travelers	$770	$130
Erie	$778	$131
Country Financial	$786	$132
State Farm	$1162	$196
USAA	$1195	$201
American Family	$1339	$225
Progressive	$1933	$325
Farmers	$2133	$359
Allstate	$3537	$595
AAA	$570	$97
First Chicago	$369	$62
Hastings Mutual	$401	$69

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 $1107 for a six month policy. While the rate increases by $297 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	$1323	$220
One Med/PIP claim	$1331	$227
Not-at-fault accident	$1404	$234
One comp claim	$1435	$244
Two Med/PIP claims	$1435	$239
Failure to wear a seat belt	$1539	$262
Driving without lights	$1555	$259
Child safety restraint	$1563	$266
Two comp claims	$1563	$261
Failure to show documents	$1588	$270
Speeding 6 - 10 MPH over limit	$1620	$270
Driving with expired registration	$1628	$277
Speeding 11 - 15 MPH over limit	$1661	$277
Driving too slowly	$1669	$284
Failure to yield	$1669	$278
Illegal turn	$1669	$284
At-fault accident - less than $1000	$1683	$281
Failure to stop at a red light	$1683	$286
Following too closely	$1683	$281
Speeding 16 - 20 MPH over limit	$1692	$288
Speeding in school zone	$1692	$282
Improper passing	$1700	$289
Wrong way/wrong lane	$1700	$284
Cell phone violation	$1732	$294
Texting while driving	$1732	$289
Passing school bus	$1748	$297
In 65 MPH zone	$1756	$293
Speeding 21 - 25 MPH over limit	$1773	$301
Operating a vehicle without permission	$1805	$301
At-fault accident - $1000-$2000	$1917	$325
At-fault accident - greater than $2000	$1948	$325
Open container	$2013	$343
Reckless driving	$2334	$389
Racing	$2357	$401
Driving with a suspended license	$2406	$401
Refusal to submit to a chemical test	$2422	$412
DUI	$2430	$405
Leaving scene of an accident/hit and run	$2454	$417

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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 $305 for a six-month policy. However, it can be as expensive as $3440 with companies like Farmers.

Chicago car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$305	$51
Travelers	$818	$138
Erie	$946	$159
Progressive	$987	$166
Country Financial	$1243	$209
American Family	$1516	$255
State Farm	$1644	$277
USAA	$1925	$324
Allstate	$3023	$509
Farmers	$3440	$585

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 $257. However, it can be as expensive as $6303 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	$257	$43
Auto-Owners Insurance Co	$289	$49
Mercury	$313	$53
Erie	$336	$57
Hanover	$385	$65
Country Financial	$810	$136
USAA	$1050	$176
State Farm	$1435	$244
Travelers	$1628	$271
Progressive	$1683	$286
American Family	$1868	$315
Allstate	$5357	$911
Farmers	$6303	$1050

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 rose by $261 in December compared to $258 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Chicago rose to $72 in December, compared to $69 in November. This represents an increase of $3 when comparing December and November.

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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 $1220 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	$1220	$203
60628	$1196	$199
60626	$1184	$197
60636	$1184	$197
60634	$1196	$199
60633	$1173	$195
60632	$1208	$201
60631	$1184	$197
60630	$1196	$199
60639	$1208	$201
60638	$1196	$199
60637	$1184	$197
60603	$1173	$195
60647	$1208	$201
60646	$1184	$197
60602	$1173	$195
60601	$1173	$195
60645	$1184	$197
60644	$1184	$197
60643	$1184	$197
60642	$1173	$195
60641	$1196	$199
60640	$1196	$199
60609	$1196	$199
60608	$1196	$199
60607	$1184	$197
60606	$1173	$195
60649	$1184	$197
60605	$1184	$197
60604	$1173	$195
60614	$1196	$199
60613	$1184	$197
60657	$1196	$199
60612	$1184	$197
60656	$1184	$197
60655	$1184	$197
60611	$1184	$197
60654	$1173	$195
60610	$1184	$197
60653	$1184	$197
60652	$1184	$197
60651	$1196	$199
60619	$1196	$199
60618	$1208	$201
60617	$1208	$201
60616	$1196	$199
60615	$1184	$197
60659	$1184	$197
60625	$1196	$199
60624	$1184	$197
60623	$1208	$201
60622	$1184	$197
60621	$1184	$197
60620	$1196	$199
60661	$1173	$195
60660	$1184	$197

Frequently Asked Questions

How much is car insurance in Chicago?

The car insurance in Chicago is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Chicago?

The cheapest car insurance in Chicago is $103 per month for full coverage.

How much is car insurance in Chicago for teenagers?

Car insurance for teenagers costs $257 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 $869 for a six-month policy. It will cost around $196 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: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

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 AutoOwners 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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Data Sources