CarInsurance.com Insights
- CarInsurance.com’s research shows that GEICO and Erie Insurance offer the lowest state minimum car insurance rates in Chicago, with yearly premiums of $522 and $527, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Chicago can save an average of $1,344 per year on full coverage car insurance.
- Drivers in Chicago with a speeding ticket can find the cheapest full coverage car insurance with Travelers, at an average annual cost of $2,405.
- Travelers stands out as an affordable option for drivers with a DUI in Chicago, with average full coverage cost of $2,611 per year.
Based on a detailed data analysis, Travelers, GEICO, and Progressive are the insurers that offer cheap full coverage car insurance rates for drivers in Chicago, Illinois.
In Chicago, an adult with a clean driving record and good insurance score typically pays $656 per year for a state minimum car insurance policy and expect to pay $2,373 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies in Chicago.
Who offers the cheapest car insurance rates in Chicago, Illinois?
GEICO offers cheap car insurance rates in Chicago at an average annual cost of $522 or $43 per month for state minimum coverage. On the other hand, Travelers has the most affordable full coverage car insurance rates at $142 per month, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Chicago drivers.
| Insurance company | Annual premium |
|---|---|
| Travelers | $1,700 |
| GEICO | $2,031 |
| Progressive | $2,034 |
| Auto Club Group (AAA) | $2,253 |
| Auto-Owners | $2,443 |
| Erie Insurance | $2,792 |
| Nationwide | $2,876 |
| Country Financial | $2,952 |
| Allstate | $3,044 |
Average car insurance rates in Chicago
According to our rate analysis, state minimum coverage in Chicago costs an average of $656 per year. Opting for liability-only coverage with 50/100/50 limits would increase your monthly payment by $7 and your yearly premium by $84.
For full coverage (100/300/100 with $500 collision and comprehensive deductibles), you can expect to pay $143 more per month or $1,717 per year. However, it’s worth the extra cost as it provides adequate protection to drivers in the event of an accident.
| Coverage type | Annual premium |
|---|---|
| State Minimum BI/PD | $656 |
| Liability Only – 50/100/50 BI/PD | $740 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $2,373 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $2,616 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $2,129 |
| Non-Owners | $601 |
Cheapest rates for drivers in Chicago, Illinois, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | Erie Insurance | $6,342 |
| Young Adults (20-24) | Travelers | $2,793 |
| Adults (25-60) | Travelers | $1,740 |
| Seniors (65-75) | GEICO | $1,793 |
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Cheapest car insurance rates for Chicago drivers after a speeding ticket
Travelers offers the most affordable car insurance rates for drivers in Chicago following a speeding ticket, at an average annual cost of $2,405 or $200 per month for full coverage.
Progressive and Erie Insurance also offer cheap insurance rates after a speeding ticket.
Find below the car insurance companies with affordable insurance rates for Chicago drivers with a speeding ticket.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) | $ Increase |
|---|---|---|---|---|
| Travelers | $1,700 | $2,405 | 41% | $705 |
| Progressive | $2,034 | $2,830 | 39% | $796 |
| Erie Insurance | $2,792 | $3,087 | 11% | $295 |
| Auto Club Group (AAA) | $2,253 | $3,106 | 38% | $853 |
| GEICO | $2,031 | $3,779 | 86% | $1,748 |
| Auto-Owners | $2,443 | $3,858 | 58% | $1,415 |
| Allstate | $3,044 | $3,998 | 31% | $954 |
| Country Financial | $2,952 | $4,119 | 40% | $1,167 |
| Nationwide | $2,876 | $5,197 | 81% | $2,321 |
Cheap car insurance for drivers with a DUI in Chicago
If you’re a driver with a DUI in Chicago, finding affordable car insurance can be challenging. However, Travelers, Progressive and Country Financial offer cheap car insurance rates for drivers in Chicago after a DUI conviction.
The table below lists affordable car insurance companies in Chicago that offer coverage to individuals with a DUI.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Travelers | $1,700 | $2,611 | 54% |
| Progressive | $2,034 | $2,671 | 31% |
| Country Financial | $2,952 | $4,297 | 46% |
| Auto-Owners | $2,443 | $4,587 | 88% |
| Auto Club Group (AAA) | $2,253 | $4,592 | 104% |
| GEICO | $2,031 | $4,659 | 129% |
| Allstate | $3,044 | $4,738 | 56% |
| Erie Insurance | $2,792 | $5,123 | 83% |
| Nationwide | $2,876 | $7,108 | 147% |
Affordable car insurers for Chicago drivers after an at-fault accident
Car insurance rates increase after an at-fault accident in Chicago for most drivers. However, some insurers offer affordable premiums to high-risk drivers.
In Chicago, Travelers offers the cheapest car insurance for drivers with an at-fault accident on their records. Other insurers that offer affordable premiums are Auto Club Group (AAA) and Auto-Owners.
See the table below to see which insurers offer cheap auto insurance premiums for Chicago drivers with an accident on their driving records.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| Travelers | $1,700 | $2,466 | 45% |
| Auto Club Group (AAA) | $2,253 | $3,075 | 36% |
| Auto-Owners | $2,443 | $3,094 | 27% |
| Progressive | $2,034 | $3,296 | 62% |
| GEICO | $2,031 | $3,824 | 88% |
| Erie Insurance | $2,792 | $4,104 | 47% |
| Country Financial | $2,952 | $4,131 | 40% |
| Nationwide | $2,876 | $5,161 | 79% |
| Allstate | $3,044 | $5,559 | 83% |
Compare car insurance quotes in Chicago: How to save on an insurance policy?
By comparing car insurance quotes, you could save an average of $1,344 per year or $112 per month on a full coverage policy in Chicago, Illinois, according to CarInsurance.com’s rate analysis. While your savings will vary based on factors like location, age and driving history, this shows how much you can benefit from shopping around and comparing quotes.
Final thoughts: Car insurance cost in Chicago, Illinois
It’s a good idea to shop around and compare insurance quotes when your policy is up for renewal to ensure you get the best car insurance deal. You can maximize your savings by using available discounts, driving a car with excellent safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. ‘Teen drivers.’ Accessed July 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed July 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
*USAA is only available to military community members and their families.
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