Buy Cheap Chicago, IL Auto Insurance

The cheapest Chicago, IL auto insurance is offered by Liberty Mutual, but rates will vary for every driver. Chicago, IL auto insurance must meet the state coverage requirements of 20/40/15 plus uninsured and underinsured coverage. Compare online rates to find the cheapest Chicago, IL car insurance rates for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • The cheapest Chicago, IL auto insurance is offered by Liberty Mutual
  • Auto insurance rates in Chicago are partly determined by a large amount of traffic in the city
  • Chicago auto insurance is higher than both the state and national averages

Chicago, IL auto insurance can be quite expensive. Chicago is the largest city in the state with the traffic to match, and high traffic volume can equal more accidents. This helps drive up the price of auto insurance.

Although the average Illinois auto insurance rates are lower than the national average, Chicago rates are higher than both.

Before you buy Chicago, IL auto insurance, shop around. Compare rates from multiple companies to find the best deal for you.

Enter your ZIP code now to compare Chicago, IL auto insurance quotes.

What is the cheapest auto insurance company in Chicago, IL?

The cheapest auto insurance company in Chicago is Liberty Mutual, although rates will vary for each driver.

These are the top-rated Chicago, IL auto insurance companies ranked from least to most expensive for yearly auto insurance costs:

  • Liberty Mutual – $2,831.86
  • USAA – $3,243.56
  • State Farm – $3,319.18
  • Travelers – $3,434.07
  • GEICO – $4,031.65
  • Progressive – $4,718.69
  • American Family – $5,080.51
  • Nationwide – $5,511.54
  • Farmers – $6,380.21
  • Allstate – $6,804.11

Factors that will affect your auto insurance rates include age, gender, marital status, ZIP code, driving record, and credit history.

Since each car insurance company will look at those factors differently, it’s important to shop around for the best rates for you.

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What auto insurance coverage is required in Chicago, IL?

Drivers in Chicago have to meet the state minimum requirements for auto insurance. The auto insurance coverages required in Illinois are:

  • $20,000 per person and $40,000 per incident for bodily injury liability
  • $15,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured motorist bodily injury coverage
  • $15,000 with a $250 deductible for uninsured motorist property damage coverage
  • $25,000 per person and $50,000 per incident for underinsured motorist

It’s important to note that the uninsured motorist property damage and underinsured motorist coverage can be rejected in writing if a driver chooses not to carry them.

What affects auto insurance rates in Chicago, IL?

Traffic and theft can also affect your auto insurance rates.

INRIX ranks Chicago, IL as the second most congested city in the country and the 10th most congested city in the world.

In fact, City-Data reports that most commute times in Chicago average over one hour, and many drivers have a commute of more than 90 minutes.

Theft is also high in the area. The FBI shows that there were 11,578 vehicle thefts in Chicago. That equals about one theft for every 233 people.

Chicago, IL Auto Insurance: The Bottom Line

Although prices can be high, it is possible to find affordable Chicago, IL auto insurance if you know where to look.

Shop around and compare quotes to find the best deals. Just enter your ZIP code now to compare Chicago, IL auto insurance rates.

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