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Chicago  Car Insurance

Chicago Car Insurance


Chicago car insurance rates

Chicago auto insuranceIn many cities, you parallel park. In Chicago, you "Braille park."

The Chicago driver does not care about his car. He does not care about your car, either. Aggression is the key. Expect liberal use of horns if you dally at a stoplight, at a corner, or in the wrong lane. Every gap is an opportunity.

But there aren't many gaps. A recent study by the Texas Transportation Institute rated two Chicago expressways among the most congested in the country. And Chicago drivers were probably not surprised when the northbound section of Interstate 55 between Harlem and County Line Road was named one of the country's most "reliably unreliable" stretches. Count on such conditions to cause delays, road rage and accidents.

Chicago car insurance rates reflect these implicit risks. Live in the Garfield Park area and you'll pay nearly $400 more for an average policy than a Stickney driver. No matter where in the Chicago area you live, car insurance rates vary -- even within the same ZIP code. The cheapest insurer often will offer you a rate that is half or less of the most expensive.

Check out more resources and information about Illinois car insurance on our state profile page.

One reason Chicago car insurance rates are the highest in Illinois

Chicago auto theft rates have spiked in recent years. Insurance adjusters say cars are stolen for their parts or by thieves working "on order" for a specific make and model. Honda Civics and Accords are favorites, as are full-sized Ford pickups. Joy riding binges by teenagers drive thefts on the city's northwest side. Higher risks mean higher rates.

Chicago Car Insurance

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Chicago car insurance requirements

Illinois state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $30,000/$60,000
Minimum property damage liability $15,000
Uninsured/underinsured motorist bodily injury $20,000/$40,000