Car Insurance Quotes Chicago

The cost of car insurance in Chicago is influenced by a variety of factors, ranging from the level of coverage selected to the driver’s characteristics and location within the city. Understanding these elements is important for Chicago drivers seeking the most affordable and appropriate coverage. The average cost of car insurance in Chicago varies based on the level of coverage. Basic coverage averages around $822 per year, while full coverage costs approximately $3,139 annually. Chicago’s minimum car coverage exceeds the state average by 30%, and comprehensive coverage is 36% more expensive than the state average. Comparing customized rates is essential to determine the most accurate cost for an individual’s specific needs

For full coverage, Auto-Owners offers the cheapest rates in Chicago, at about $110 per month or $660 for a six-month policy. GEICO is the second most affordable option, with rates of $130 per month or $778 for a six-month policy. Other affordable companies include State Farm, USAA, and Country, with six-month premiums averaging $789, $837, and $997, respectively. Progressive and Nationwide have higher rates, at $1,066 and $1,113 for a six-month policy, while Allstate is the most expensive among the listed companies, at $1,961.

In Chicago, drivers must carry both liability and uninsured/underinsured motorist coverage. The minimum liability coverage required is $25,000 for bodily injury per person, $50,000 total for bodily injury per accident, and $20,000 for property damage. Similarly, the minimum required uninsured/underinsured motorist coverage is $25,000 per person and $50,000 total per accident. Optional coverages like comprehensive, collision, medical payments, rental car, and roadside assistance can provide additional protection

READ ALSO; Car Insurance Quotes

In Chicago, how much does car insurance cost?

The level of coverage you select determines the average cost of car insurance in Chicago. The average yearly premium for basic coverage is $822, while the average yearly premium for full coverage is $3,139. Chicago’s minimum car coverage costs are 30% more than the state average, and comprehensive coverage costs 36% more than the state average. The most accurate way to find out how much coverage might cost is to compare customized rates.

Companies In Chicago How Much Do They Charge for Car Insurance?

Our data for 2025 shows that Auto-Owners is the most affordable full-coverage auto insurance provider in Chicago, charging $110 a month or $660 for a six-month policy. GEICO is the second cheapest, at $130 a month or $778 for a six-month policy.

Cheapest Car Insurance Companies in Chicago

Company Avg. 6 Mo. Premium

Auto-Owners……….. $660

GEICO………………… $778

State Farm……………$789

USAA…………………. $837

Country………………. $997

Progressive…………. $1,066

Nationwide…………. $1,113

Allstate……………….. $1,961

Chicago Car Insurance Coverage

You must get car insurance and fulfil specific minimum coverage requirements if you drive in Atlanta and own a vehicle. All drivers in Atlanta are required to acquire liability and uninsured/underinsured motorist car insurance from a firm that is permitted to operate in the state. The following are the minimum coverage requirements:

Minimum required liability coverage:

$25,000 for Bodily Injury (per person)
$50,000 total for Bodily Injury (per accident, multiple people injured)
$20,000 for Property Damage

Minimum required uninsured/underinsured motorist coverage:

$25,000 (per person)
$50,000 total (per accident)

Although getting extra coverage may result in a higher monthly premium, you’ll be better protected in the case of an accident if you choose to have multiple insurance coverages.

Optional Car Insurance Coverage In Chicago

Types of additional insurance coverage you should consider include:

Comprehensive
Collision
Medical Payments
Rental Car
Roadside Assistance

Atlanta state law requires you to provide proof of insurance if you are pulled over for a traffic infraction or following an accident. The good news is that you may quickly and readily access your insurance cards because Atlanta state laws allow proof of insurance displayed on a cell phone.

What Factors Influence Chicago Auto Insurance Prices?

It’s important to note that several vital aspects might have a substantial impact on your premium costs while obtaining estimates for Chicago car insurance. These elements consist of:

Zip Code Influence: Depending on traffic and crime levels, rates vary between Chicago areas. Premiums tend to be higher in areas with high crime or accident rates.
Crime Rates: Higher premiums are common in areas in Chicago with more vehicle thefts and vandalism.
Accident Risks: Chicago’s congested or badly maintained roads raise the possibility of collisions, which may result in increased insurance premiums.
Driving History: While accidents and bad driving may result in higher premiums, a good driving record may result in cheaper rates.
Age: younger drivers typically pay more. Because they have less driving experience, as drivers age, rates often decline.
Car Model: In Chicago, insurance rates are higher for cars with high repair costs or a high theft rate, while they are lower for cars with high safety ratings.
Chicago Traffic: Accidents are more likely to occur in Chicago due to the city’s heavy traffic, which may affect insurance rates.

are influenced by a complex interplay of factors, including coverage level, choice of insurance company, and individual driver characteristics. For additional information, visit this website

RELATED ARTICLE:

Car Insurance Quotes Coverage

Car Insurance Quotes Illinois

Car Insurance Quotes State Farm

Car Insurance Quotes Atlanta

Frank Oduro