CarInsurance.com Insights
- According to a CarInsurance.com study, GEICO and Erie Insurance rank among the cheapest car insurance providers in Chicago, offering insurance for $447 and $498, respectively, per year for a state minimum policy.
- Comparing car insurance quotes from different insurance companies can help you save an average of $1,945 per year on your car insurance policy.
- For drivers with a speeding violation, Travelers offers the most affordable full coverage car insurance in Chicago, averaging $2,560 per year.
- Travelers is among the most affordable car insurance providers for drivers with a DUI in Chicago, with an average annual full coverage cost of $2,810.
According to a detailed data analysis, Travelers, GEICO and Auto-Owners provide cheap car insurance rates for drivers in Chicago, Illinois for a full coverage policy.
Car insurance in Chicago for an adult with a clean driving record and good insurance score costs $642 a year for a state minimum policy and $2,421 for a full coverage policy.
Insurance companies consider drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.
Where you live is also a significant factor. Car insurance rates can vary significantly from city to city and even from one ZIP code to another. More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors to calculate premiums.
That’s why our experts have created this comprehensive guide to help you make smart decisions about car insurance. It also lists the cheapest car insurance carriers and rates in Chicago.
Who offers the cheapest car insurance rates in Chicago, Illinois?
Our data shows that GEICO has the cheapest state minimum car insurance in Chicago at $447 per year or $37 per month. Whereas, Travelers offers the cheapest rates for a full coverage policy, with an average annual cost of $148 for coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Below, we mentioned the insurers that offer affordable car insurance for Chicago drivers.
| 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
Based on our rate analysis, the average cost of car insurance for state minimum coverage in Chicago is $642. If you choose liability-only coverage with limits of 50/100/50, you’ll pay $6 more per month or $66 more per year.
For full coverage (100/300/100), you would pay an additional $148 per month or $1,779 more annually. Experts recommend purchasing a full coverage policy as it provides more protection than state minimum and liability-only policies.
| 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 a key factor in determining car insurance rates in most cities, including Chicago. It’s one of several factors insurers consider when determining premiums.
Teens (ages 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.
Drivers in their 40s, 50s and 60s pay less for their car insurance premiums than teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute (Triple-I), an industry research and outreach organization.
| 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
According to our data analysis, Travelers offers the cheapest car insurance rates for drivers in Chicago with speeding tickets, at an average annual cost of $2,560 or $213 per month. Erie Insurance and Auto Club Group – ACG (AAA) also provide affordable insurance rates following a speeding ticket.
Below are the car insurance companies that offer cheap insurance premiums 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
If you’re a driver with a DUI in Chicago, finding affordable car insurance can be challenging. However, Travelers, Progressive and Erie Insurance 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 | $1,771 | $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?
By comparing car insurance quotes, you could save an average of $1,945 per year or $162 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.
Expert’s take on getting car insurance in Chicago
Shopping for a new auto insurance policy at renewal time is the best way to ensure you have the cheapest car insurance in Chicago, Illinois. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed January 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed January 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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