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Car Insurance Quotes in Chicago, IL

Full coverage / year
$2,406
State minimum / year
$746
Typical quote range
$1,708 – $3,320

Full coverage car insurance in Chicago, IL runs an estimated $2,406 per year — roughly $201 monthly. Rates here run roughly 24% higher than the rest of Illinois, driven by dense metro traffic, higher theft and vandalism claims, and expensive body-shop labour. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Chicago, IL

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$200/ month
$2,406 per year · carriers in Chicago, IL typically quote $1,708 – $3,320
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Chicago, IL

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,829$152-24%Military members and families only
Geico$1,973$164-18%Usually cheapest for clean records
State Farm$2,117$176-12%Strong for young and student drivers
Progressive$2,286$191-5%Competitive after a ticket or accident
Travelers$2,334$195-3%Good multi-policy discounts
Nationwide$2,406$2010%Mid-market, wide availability
Allstate$2,743$229+14%Higher base rate, heavy discount stacking
Farmers$2,911$243+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Chicago, IL. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Chicago

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$6,498$2,014$541
18 years old$5,481$1,699$457
20 years old$4,538$1,407$378
22 years old$3,770$1,169$314
25 years old$2,877$892$240
30 years old$2,480$769$207
40 years old$2,331$723$194
50 years old$2,232$692$186
60 years old$2,207$684$184
65 years old$2,306$715$192
70 years old$2,530$784$211
75 years old$2,951$915$246

Estimated premiums by age in Chicago, IL, clean record, sedan.

What a ticket, accident or DUI costs in Chicago

Driving recordEst. annualIncrease
Clean record$2,406—
1 speeding ticket$2,959+23%
1 at-fault accident$3,536+47%
DUI / DWI$4,547+89%

What a violation costs a 35-year-old in Chicago, IL. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Illinois

Every driver registering a vehicle in Illinois must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Illinois Department of Insurance.

Required coverage in IllinoisMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$20,000
Uninsured motorist 25/50Required
Insurance systemAt-fault (tort)

Coverage levels compared in Chicago

Coverage levelEst. annualEst. monthly
State minimum liability$746$62
Full coverage (100/300/100 + comp & collision)$2,406$200
Full coverage, high limits + low deductible$2,863$239

Coverage level comparison for Chicago, IL.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Chicago

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Chicago covers 60601, 60602, 60603, 60604, 60605, 60606 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Chicago, IL?
Full coverage in Chicago is estimated at $2,406 a year ($201 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $746 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Illinois?
Illinois requires at least $25,000 bodily injury per person, $50,000 per accident and $20,000 property damage, plus uninsured motorist 25/50. Illinois is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Chicago?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Chicago for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Chicago?
An 18-year-old in Chicago is estimated at $5,481 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Chicago?
A DUI takes the estimate from $2,406 to about $4,547 a year in Chicago, an increase of roughly 89%. Illinois drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Chicago?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

CiceroOak ParkBerwynEvergreen ParkElmwood ParkMaywoodBurbankBridgeview

Comparing more of Illinois? See every Illinois city we price or read the cheap car insurance guide for Chicago.