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Car insurance coverage in Chicago costs an average of $1,825 annually for full coverage. That's $378 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Chicago, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Chicago provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Chicago

GEICO Casualty Co is the cheapest car insurance company in Chicago with an average cost of $826 per year, based on insurance.com's rate analysis. While American Family is second in terms of the cheapest car insurance companies in Chicago. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
GEICO Casualty Co$826
American Family$1,103
Standard Fire$1,162
Mercury of IL$1,220
Nationwide General$1,238
United Svcs Automobile Assn$1,242
State Farm Mutl Automobile Ins$1,275
Owners$1,301
Erie Ins Exchange$1,421
Progressive Universal$1,488
Illinois Farmers$1,823
Automobile Club Inter-Ins$2,064
Allstate F&C$2,196
Auto Club Ins Assn$4,344
Metropolitan Group P&C$4,670

Cheapest car insurance cost in Chicago by age group

Among the carriers surveyed by Insurance.com, Geico Cas Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,328 a year or $111 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Cas Co is also the cheapest auto insurance company for seniors with an average cost of $1,248 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Cas Co offers the cheapest car insurance for young adults in Chicago at about $1,831 a year. While Geico Cas Co is the cheapest insurance provider for teen drivers for full coverage at an average of $4,618 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Cas Co$1,328$1,248$4,618$1,831
Progressive Northern Ins Co$1,485$1,282$7,737$2,610
State Farm Mut Auto Ins Co$1,547$1,470$4,736$2,649
Illinois Farmers Ins Co$2,283$2,122$11,764$3,433
Nationwide Gen Ins Co$2,331$2,101$9,517$4,466
Allstate Fire & Cas Ins Co$3,275$3,430$7,956$5,298

Cheapest car insurance companies in Chicago by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Chicago no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with Poor Credit: Nationwide
  • Cheapest for a driver with a speeding ticket: State Farm
  • Cheapest for accident: American Family
  • Cheapest for DUI: State Farm

Cheapest for a driver with poor credit: Nationwide

Nationwide is the cheapest car insurance company for a driver with poor credit in Chicago. Its average annual rate is $2,578 or $215 a month.

Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.

CompanyAvgerage Annual Rates
Nationwide$2,578
Standard Fire Ins Co$2,640
Geico$2,713
Mercury$2,876
American Family Ins Co$2,897
United$3,165
State Farm$3,656
Progressive$3,961
Illinois Farmers Ins Co$3,968
Erie Ins$4,230
Automobile Club Inter-Ins$4,431
Allstate$4,886
Owners Ins Co$4,964
Auto Club$10,877
Metropolitan$13,738

Cheapest auto insurance for drivers with a speeding ticket: State Farm

State Farm is the cheapest auto insurance company for a driver with a speeding ticket in Chicago. Its average annual premium is $1,851 annually or $154 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAvgerage Annual Rates
State Farm$1,851
Erie Ins$2,068
American Family Ins Co$2,210
Nationwide$2,310
Standard Fire Ins Co$2,327
Geico$2,396
Owners Ins Co$2,427
United$2,580
Progressive$2,734
Mercury$2,770
Illinois Farmers Ins Co$3,190
Automobile Club Inter-Ins$4,367
Allstate$4,507
Auto Club$9,410
Metropolitan$11,032

Cheapest auto insurance after an at-fault accident: American Family

American Family offers the cheapest car insurance rates for a driver with an accident record in Chicago at about $1,654 per year. Apart from American Family , State Farm, Owners , and Geico are other cheap insurance companies on our list.

CompanyAvgerage Annual Rates
American Family Ins Co$1,654
State Farm$2,019
Owners Ins Co$2,195
Geico$2,234
Standard Fire Ins Co$2,435
Erie Ins$2,511
Nationwide$2,585
Progressive$2,951
United$3,117
Illinois Farmers Ins Co$3,493
Mercury$3,556
Automobile Club Inter-Ins$4,719
Allstate$6,334
Auto Club$9,111
Metropolitan$13,704

Cheapest auto insurance after a DUI: State Farm

State Farm is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $1,851 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAvgerage Annual Rates
State Farm$1,851
American Family Ins Co$2,210
Progressive$2,387
Standard Fire Ins Co$2,568
Mercury$2,672
Erie Ins$2,954
Geico$2,989
Nationwide$3,211
Illinois Farmers Ins Co$3,319
Owners Ins Co$3,381
United$3,838
Automobile Club Inter-Ins$4,829
Allstate$5,436
Auto Club$15,306
Metropolitan$15,386

Average car insurance cost in Chicago

The average car insurance rate in Chicago is $1,825 a year for a full coverage policy of 100/300/100 for a driver age 30, $378 more than the national average of $1,447.

The average annual premium in Chicago for minimum coverage is $655 a year or $55 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,825$655