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 $447 and $498, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Chicago can save an average of $1,945 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 $2,560.
- Travelers stands out as an affordable option for drivers with a DUI in Chicago, with average full coverage cost of $2,810 per year.
Travelers, GEICO and Auto-Owners are the top insurers with the most affordable car insurance rates for drivers in Chicago, Illinois for a full coverage policy.
In Chicago, the average annual cost of a state minimum car insurance policy for an adult with a clean driving record and a good insurance score is $642. If you upgrade to full coverage, the cost increases to $2,421.
Insurance companies determine premiums for each driver differently, taking into account factors like age, driving history and car make and model.
Where you live plays a significant role in determining car insurance rates. Premiums vary widely from one city to another and even between ZIP codes within the same city. Areas with more traffic often see higher accident rates and more claims, so insurers take into account factors such as population density, road conditions and weather.
That’s why our experts have put together this detailed guide to help you make informed choices about car insurance. It also includes a list of the most affordable car insurance providers in Chicago.
Who offers the cheapest car insurance rates in Chicago, Illinois?
GEICO offers the cheapest state minimum car insurance in Chicago, with an average annual cost of $447 or $37 per month. For full coverage, Travelers provides the most affordable rates, averaging $148 per year for 100/300/100 limits and $500 collision and comprehensive deductibles.
See the companies below that offer affordable car insurance to drivers in Chicago.
| Insurance company | Annual premium |
|---|---|
| Travelers | $1,771 |
| GEICO | $1,939 |
| Auto-Owners | $2,518 |
| Auto Club Group – ACG (AAA) | $2,567 |
| Country Financial | $2,657 |
| Progressive | $2,702 |
| Erie Insurance | $2,755 |
| Allstate | $3,716 |
| USAA | $1,949 |
Average car insurance rates in Chicago
According to our rate analysis, state minimum coverage in Chicago costs an average of $642 per year. Opting for liability-only coverage with 50/100/50 limits would increase your monthly payment by $6 and your yearly premium by $66.
For full coverage (100/300/100with $500 collision and comprehensive deductibles), you can expect to pay $148 more per month or $1,779 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 | $642 |
| Liability only (50/100/50) | $708 |
| Full coverage (100/300/100, $500 ded.) | $2,421 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $2,725 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $2,136 |
| Non-owners | $518 |
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 | $5,960 |
| Young adults (20-24) | Travelers | $2,894 |
| Adults (25-60) | Travelers | $1,817 |
| Seniors (65-75) | GEICO | $1,704 |
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Cheapest car insurance rates for Chicago drivers after a speeding ticket
Our data shows that Travelers has the most affordable car insurance rates for drivers in Chicago after a speeding ticket, with an average annual cost of $2,560 or $213 monthly. Erie Insurance and Auto Club Group – ACG (AAA) also offer affordable premiums to drivers with speeding tickets on their records.
Below is a list of car insurance companies that offer affordable rates for Chicago drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| Travelers | $1,771 | $2,560 | 45% |
| Erie Insurance | $2,755 | $3,049 | 11% |
| Auto Club Group – ACG (AAA) | $2,567 | $3,215 | 25% |
| GEICO | $1,939 | $3,617 | 87% |
| Progressive | $2,702 | $3,828 | 42% |
| Auto-Owners | $2,518 | $4,134 | 64% |
| Allstate | $3,716 | $4,949 | 33% |
| USAA | $1,949 | $2,496 | 28% |
Cheap car insurance for drivers with a DUI in Chicago:
A DUI conviction on your driving record makes it challenging to find affordable insurance rates. However, Travelers, Progressive and Erie Insurance offer lower rates for high-risk drivers in Chicago.
The table below shows car insurance providers in Chicago that offer affordable coverage after a DUI conviction.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Travelers | $1,771 | $2,810 | 59% |
| Progressive | $2,702 | $3,349 | 24% |
| Erie Insurance | $2,755 | $4,572 | 66% |
| GEICO | $1,939 | $4,623 | 138% |
| Auto-Owners | $2,518 | $4,966 | 97% |
| Auto Club Group – ACG (AAA) | $2,567 | $5,345 | 108% |
| Allstate | $3,716 | $5,944 | 60% |
| USAA | $1,949 | $4,217 | 116% |
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 – ACG (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 | $1,771 | $2,590 | 46% |
| Auto Club Group – ACG (AAA) | $2,567 | $3,255 | 27% |
| Auto-Owners | $2,518 | $3,262 | 30% |
| GEICO | $1,939 | $3,465 | 79% |
| Erie Insurance | $2,755 | $3,810 | 38% |
| Progressive | $2,702 | $4,362 | 61% |
| Allstate | $3,716 | $6,943 | 87% |
| USAA | $1,949 | $3,002 | 54% |
Compare car insurance quotes in Chicago: How to save on an insurance policy?
CarInsurance.com’s rate analysis shows that you could save an average of $1,945 per year or $162 per month on a full coverage policy in Chicago, Illinois, by comparing insurance quotes. Though savings will depend on factors like your location, age and driving record, comparing policies can lead to significant savings.
Final thoughts: Car insurance cost in Chicago, Illinois
Shopping for a new auto insurance policy when your current one is up for renewal is the best way to secure the most affordable coverage in Chicago, Illinois. Maximize your savings by taking advantage of discounts, driving a vehicle with adequate safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed February 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed February 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.
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