Best Chicago, IL Auto Insurance in 2024 (10 Standout Companies)

State Farm, Geico, and Progressive offer the best Chicago, IL auto insurance, with rates starting as low as $45/month.

State Farm excels in local service, Geico is known for affordable rates, and Progressive is ideal for high-risk drivers. Keep in mind that your rate can change depending on things like your driving history, vehicle, and credit score—especially for high-risk drivers. Take a look at these top providers in Chicago, Illinois, to find the best coverage and the best deal for you.

Our Top 10 Company Picks: Best Chicago, IL Auto Insurance

Comparing these providers helps you find the best auto insurance in Chicago, IL, for your needs. Just enter your ZIP code into our free quote tool above to find the top auto insurance company near you.

#1 – State Farm: Top Overall Pick

Pros

• Strong Local Agent Support: State Farm delivers local agent support in providing the best auto insurance services, rendered by real people who assist Chicago, IL, clients.
• Affordable Rates: Starting at just $52/month for minimum coverage, State Farm provides competitive pricing for car insurance in Chicago. Visit our State Farm auto insurance review.
• Bundling Discount: There exists an 17% discount for those clients of the State Farm Insurance in Chicago currently in need of car and home insurance.

Cons

• Limited Online Tools: State Farm’s online tools aren’t quite as advanced as some other providers, so if you’re looking for a really tech-driven experience, that might be a downside.
• Limited Discounts for Safe Driving: State Farm offers a lesser package of safe driver discounts than other companies in the market.

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#2 – Geico: Best for Affordable Rates

Pros

• Low-Cost Premiums: Geico stands tall and can offer rates as low as $45/month for minimum coverage, making it a favorable option for people looking for cheap car insurance in Chicago.
• Telematics Discounts: Geico’s discounts for safe driving and military members help Chicago, Illinois drivers save even more. Check out our Geico auto insurance review.
• Multiple Discounts: Geico offers a wide array of discounts, including those for new vehicles and defensive driving, allowing Chicago policyholders to lower premiums.

Cons

• Less Personalized Service: Geico’s online service might not give you that personal touch you’d get from a local agent.
• Limited Local Coverage Options: While affordable, Geico may not offer the same variety of coverage options for Chicago, Illinois drivers compared to competitors.

#3 – Progressive: Best for High-Risk Drivers

Pros

• Tailored Coverage for High-Risk Drivers: Progressive is the best Chicago insurance provider for high-risk drivers, with rates starting at $53/month for minimum coverage.
• Snapshot Program: Progressive’s Snapshot program rewards Chicago, Illinois drivers for safe driving with up to 10% savings on their policy. Explore our Progressive auto insurance review.
• Flexible Coverage Options: If you want customizable auto coverage in Chicago, with the most accessible car insurance, Progressive will suit you quite well.

Cons

• Higher Premiums for Some Drivers: Progressive’s rates may be higher for drivers with clean records compared to other providers.
• Less Competitive Bundling Discounts: Progressive offers a lower bundling discount (10%) compared to some competitors in Chicago, Illinois.

#4 – Allstate: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage Options: Allstate is the go-to company to consider for Chicago, IL, auto insurance, especially with very few premiums that go as low as $54/month for minimum coverage.
• 25% Bundling Discount: Allstate provides a significant 25% discount for bundling home and auto policies, helping Chicago insurance buyers save.
• Great Customer Service: Known for excellent local support, Allstate provides Chicago drivers personalized assistance when selecting coverage. View our Allstate auto insurance review.

Cons

• Higher Rates for Some Drivers: Motorists with poor driving records may pay expensive insurance fees in Chicago with Allstate.
• Complicated Claims Process: Some customers report challenges with Allstate’s claims process, which may make it harder for Chicago, Illinois drivers to file claims quickly.

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#5 – Farmers: Best for Customizable Plans

Pros

• Flexible Policy Options: Farmers offers the best car insurance in Chicago for drivers who need customizable policies, with rates starting at $50/month for minimum coverage.
• 20% Bundling Discount: Farmers in Chicago provide up to 20% discount as savings where home and auto insurance are bundled. Dive into our Farmers auto insurance review.
• Wide Range of Discounts: Farmers provides discounts for multi-vehicle, safe driving, and homeownership, making it ideal for Chicago, Illinois drivers.

Cons

• Higher Base Rates: Farmers’ base rates are generally higher than what you’ll find with other companies, so it might not be the best fit if you’re a budget-conscious driver in Chicago.
• Limited Online Tools: Farmers’ digital tools are not as user-friendly or advanced as some other insurance companies.

#6 – American Family: Best for Families

Pros

• Family-Focused Coverage: American Family offers the best auto insurance for Chicago, Illinois families, with rates starting at $45/month for minimum coverage.
• 25% Bundling Discount: American Family provides a 25% bundling discount, which is ideal for Chicago families looking to save on home and auto insurance.
• Safe Driving Discounts: With discounts for safe driving, good students, and low-mileage drivers, American Family makes insurance affordable for Chicago residents.

Cons

• Limited Availability of Some Discounts: Certain discounts, such as those for hybrid vehicles, may not be available to Chicago policyholders in all areas.
• Mixed Customer Service Reviews: Some Chicago drivers report mixed experiences with customer service, indicating inconsistencies. Visit our American Family auto insurance review.

#7 – USAA: Best for Military Families

Pros

• Exclusive Military Discounts: USAA is the best auto insurance provider for military families in Chicago, with rates starting at $47/month for minimum coverage.
• Outstanding Customer Service: USAA is known for its excellent service, offering 24/7 support for Chicago, Illinois policyholders.Flexible Coverage
• Flexible Coverage Options: USAA provides a variety of coverage options, perfect for military families stationed in Chicago. Explore our USAA auto insurance review.

Cons

• Only for Military Families: USAA is only offered to military families, so it is limitedly available to other families in Chicago, Illinois.
• Higher Premiums for Non-Military Drivers: Non-military customers may face higher premiums without access to USAA’s exclusive discounts.

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#8 – Liberty Mutual: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Liberty Mutual offers the best auto insurance for accident forgiveness in Chicago, with rates starting at $55/month for minimum coverage.
• 25% Bundling Discount: Chicago drivers can save 25% by bundling auto and home insurance. To learn more, check out our Liberty Mutual auto insurance review.
• Strong Mobile App: Liberty Mutual provides a convenient mobile app for policy management and claims, perfect for Chicago, Illinois drivers.

Cons

• Higher Premiums for New Drivers: New or younger drivers in Chicago may face higher premiums, even with accident forgiveness.
• Limited Local Agents: Liberty Mutual may not have as many local agents in Chicago, which could be a drawback for some drivers seeking face-to-face service.

#9 – Nationwide: Best for Discounts

Pros

• Great Discounts: Nationwide offers the best Chicago, Illinois auto insurance discounts, including up to 40% for safe driving through their SmartRide program.
• SmartRide Program: SmartRide helps Chicago drivers save with discounts for safe driving habits, rewarding safe drivers with lower premiums. Visit our Nationwide auto insurance review.
• Reliable Claims Process: Superior claims handling is just a part of the overall promise and guarantee made to Nationwide’s clients in Chicago, IL.

Cons

• Limited Coverage Options in Some Areas: Some coverage options may not be available to drivers in all parts of Chicago.
• Higher Premiums for Young Drivers: Nationwide’s rates can be higher for younger drivers than those of other insurance companies in Chicago, Illinois.

#10 – Travelers: Best for Green Discounts

Pros

• Eco-Friendly Discounts: Travelers provides the best car insurance in Chicago for eco-friendly drivers, offering discounts for hybrid and electric vehicles. Rates start at $58/month for minimum coverage.
• Great Multiline Discounts: Travelers offers substantial savings for bundling policies, which is perfect for Chicago, Illinois, residents who need more than one type of coverage.
• 24/7 Claims Support: With 24/7 claims support, Travelers ensures Chicago drivers can get help whenever needed. Check out our Travelers auto insurance review.

Cons

• Higher Premiums for Young Drivers: Young drivers in Chicago, Illinois, might end up paying more for auto insurance with Travelers.
• Limited Customer Service Hours: Some Chicago drivers report limited customer support availability outside regular business hours.

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Your Go-To Guide for Scoring the Best Auto Insurance in Chicago, IL

Looking for the best auto insurance in Chicago, IL can feel a bit overwhelming, but don’t worry—we’ve got you covered. Due to the abundance of offers provided by insurance companies, it becomes very important to know which ones are the most profitable.

The prices for the most standard sets of services begin at $45 a month; hence, there is a need to understand which of the providers fully meets your criteria. That is why it may be necessary to conduct an assessment as to where such services are better than others.

First up, let’s talk numbers. American Family has the lowest minimum coverage rates at just $45 per month, which is a serious win if you’re looking to keep your costs down. USAA is another solid option with rates starting at $47, but keep in mind it’s only available to military members and their families.

State Farm is a favorite for those who like working with local agents and has rates starting at $52.

Chicago, IL Auto Insurance Monthly Rates by Provider & Coverage Level

Moreover, if you are looking for cheaper insurance policies that are also extendable, Geico or Progressive offer great choices of insurance cover that you might want to take advantage of with the feature of discounts such as usage-based programs in which your premium is based on your driving habits.

Now, how about saving even more? Every provider has different ways to cut down your insurance costs. Allstate and Liberty Mutual offer great discounts for bundling your home and auto insurance or maintaining a spotless driving record.

Auto Insurance Discounts From the Top Providers in Chicago, IL

Progressive’s Snapshot program is a game-changer if you drive safely, tracking your habits to lower your premium. And State Farm? They’ve got tons of ways for students to save like getting a safe driver discount. Plus, Geico and USAA offer military service members and their dependents numerous benefits that are appealing.

At the end of the day, finding the right car insurance in Chicago is about comparing your options. There are strengths and benefits in every company that may be in line with what you are seeking, including rock-bottom prices, excellent local service, and rebates for your preferred way of living.

The Cost of Car Insurance in Chicago, IL

We’re not here to mess around. We know that many drivers go with a car insurance company because of an inexpensive rate, so that’s why car insurance rates are what we want to talk about first. But how do you answer that very question? How much does car insurance cost?

We can’t solve that question with one simple answer. Car insurance rates are influenced by many different factors. To see what those factors are, keep reading.

Male vs. Female vs. Age

Did you know that gender, age, and marital status can affect your car insurance premium?

That’s right — these are just a few things that can influence how much you pay for car insurance in Chicago, Illinois, per year. According to an article by Data USA, the median age in Chicago, Illinois is 34.6 years of age. This tells us car insurance companies won’t heavily increase your rate because the average age is almost 10 years higher than 25 years of age.

Let’s take a closer look at how factors like your age and gender could affect the rates carriers assess for your policy in Chicago, Illinois.

Chicago, IL Auto Insurance Monthly Rates by Age

As you can see from the table above, drivers who are 60-years-old usually have the cheapest car insurance rate. This could be attributed to the fact that they are more likely to have the most driving experience and are the least likely age group to be involved in an accident.

Besides your age, gender is another huge factor that insurers take into account when assessing the rates you will be expected to pay. On average, men spend about $4,535.54 per year on their car insurance policy while women spend $4,277.54 per year for the same policy. This means men pay about $250 more per year for car insurance than women do.

But now let’s put all of these statistics together in the table below: marital status, age, and gender.

Chicago, IL Auto Insurance Monthly Rates by Demographic

From the data above, we can tell that single, 17-year-old males usually have the most expensive car insurance rate. We can see that married people tend to pay less for car insurance than single people do. This is because car insurance companies believe people who are married are usually more responsible individuals. They are more likely to pay their bills every month and on time.

If you’re discouraged by these statistics, don’t be. If you have a teen living in your house, just know that their rate will go down the older they get if they keep a clean driving record.

Read More: How to Teach Your Teen to Drive

Cheapest ZIP Codes in Chicago, Illinois

Did you know that your place of residence can also affect your car insurance rate? Some areas in your city might be more prone to crime or natural disasters, and this is why ZIP codes are important when figuring out your car insurance rate.

Can you find your ZIP code in the table below?

Chicago, IL Auto Insurance Monthly Rates by ZIP Code

As you may have noticed, there’s a $130 difference from the cheapest rate on this list to the most expensive rate. This data shows that it might be worth it to consider living in a cheaper area of Chicago.

Best Car Insurance Rates by Age

The table below indicates the car insurance companies that charge the cheapest coverage rates in Chicago, Illinois.

Chicago, IL Auto Insurance Monthly Rates by Provider, Age, & Gender

From the table above, we can see that Liberty Mutual generally has the cheapest car insurance rate—it is even less expensive than USAA. If you take nothing else away from this section, make sure you compare rates for your demographic; don’t just look at the cheapest rate.

Best Car Insurance for Commute Rates

How far you drive every day can also affect your rate. According to the Federal Highway Administration’s 2014 Licensed Drivers By State report, Illinois drivers drove an average of 12,528 miles in the state that year.

Check out the table below to find out which car insurance companies have the cheapest rates for people who commute long distances.

Chicago, IL Auto Insurance Monthly Rates by Annual Mileage

If you regularly drive long distances, it might benefit you to check out rates with Liberty Mutual. Once you’ve got an idea of the best options, take a look at how simple it is to set up Drive Safe & Save® through the State Farm app.

Best Car Insurance for Coverage Level Rates

Your coverage level could also affect the cost of your car insurance premium. But what does that mean?

Peoria, IL Report Card: Auto Insurance Premiums

If you buy more car insurance than what is required by the state, your provider might cut you a break on the cost of a full coverage policy.

Check out the table below to see what we mean.

Chicago, IL Auto Insurance Monthly Rates by Provider & Coverage Level

Look at American Family’s rates, for example. For just a few hundred dollars more per year, you could go from having low coverage to high coverage. If you have low coverage, you might have minimum liability coverage. If you have high coverage, you might have a comprehensive policy.

Long story short, if you can afford to spend a few hundred dollars more on your car insurance policy per year, you could save thousands of dollars in the long run.

Best Car Insurance for Credit History Rates

How does your credit history affect your car insurance rate? Some car insurance companies can and will increase your car insurance premium if you have a poor credit history.

Look at the table below to see how credit history can influence a car insurance premium.

Chicago, IL Auto Insurance Monthly Rates by Credit Score

As you probably guessed, if you have poor credit, your rate will be significantly higher than someone who has great credit. At the end of the day, credit history can affect more than just an interest rate or a loan term.

Best Car Insurance for Driving Record Rates

It shouldn’t be a shock that your driving record is often the most important factor a car insurance company looks at when putting a rate together.

The table below reveals exactly how much your rates could change based on your driving record.

Chicago, IL Auto Insurance Monthly Rates by Driving Record

Getting one DUI can increase your car insurance rate by thousands of dollars. Some providers might charge you more or less than others, but no matter how you look at it, you’re definitely going to wind up paying more money for your car insurance per year if you break the law by getting a DUI or a speeding ticket.

If you’re convicted of a DUI or you get into a car accident, check out Liberty Mutual or Nationwide, as they only increase your rate by a few hundred dollars per year.

Peoria, IL Auto Accidents & Insurance Claim Statistics

How We Conducted Our Auto Insurance Analysis

*We figured out our average rates based on a 34-year-old married guy who owns a home, has good credit, and has a clean driving record with at least a year of auto insurance. The miles driven per year are based on the national average.

We also calculated the rate for a 2015 Honda Accord that’s financed and has an anti-theft device installed. For more info, check out the “Anti-Theft Device Discount” section.

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Case Studies: How Chicago, IL Drivers Found the Best Auto Insurance

Choosing the right auto insurance can be tricky, but seeing how others have made their choice might make it easier for you. In these case studies, we’ll walk you through how State Farm, Geico, and Progressive fit the needs of three different Chicago drivers.

• Case Study #1 – Family Coverage:  Sarah, a 30-year-old mom, needed affordable insurance for her family. With wonderful customer service and a local agent, she settled with State Farm. She was able to purchase very reliable coverage through the homeowners insurance discount of $52/month.
• Case Study #2 – Budget-Friendly Choice:  Jake, a recent grad, was all about saving money. Being in possession of the quote tool online helped him get something affordable that fits into his budget. If you want simple, inexpensive insurance coverage, turn to Geico.
• Case Study #3 – High-Risk Coverage:  Emily needed extra support because of her driving history. After shopping around, she picked Progressive for its flexibility with high-risk drivers. She paid $53/month for full coverage and saved with their Snapshot program by driving safely. Progressive helped her create a plan that worked for her, which was a huge relief.

These case studies show how different drivers in Chicago find the best auto insurance for their needs. Whether you’re looking for low rates, great service, or flexible coverage, State Farm, Geico, and Progressive each have something to offer. Compare your options and find the right fit for you.

Every provider offers something unique so you can easily find the best fit for your situation. Check out our quote comparison tool below to quickly grab affordable auto insurance coverage.