Car Insurance in Chicago, Illinois
Estimated full coverage in Chicago runs about $1,615 a year ($134/month) — ▲ +17% versus the Illinois average, ranking 1st most expensive of the 12 Illinois cities we cover.
Why car insurance in Chicago costs more than the Illinois average
Insurers price by territory, and Chicago's numbers explain most of the gap. With 2,721,308 residents on 227.7 square miles, the city's density (11,949 people per square mile) is 7.1 times the density where the typical Illinois resident lives (1,685). The average commute is 33.1 minutes (Illinois: 27.8), and 45% of workers drive alone. Together these put our location factor at 1.17× the state baseline for liability and collision, and 1.17× for comprehensive once FEMA weather risk for Cook County is included.
| Factor | Chicago | Illinois ref. | Why it matters |
|---|---|---|---|
| Population density | 11,949 / sq mi | 1,685 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 33.1 min | 27.8 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 13.4% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 44.7% | — | Share of workers commuting by car. |
| Public transit to work | 17.7% | — | Transit use lowers how much residents drive. |
| Work from home | 21.0% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 26.6% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 81.9 | 79.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Chicago
Rates can change from one ZIP code to the next. Across 58 Chicago ZIP codes, our full-coverage estimate ranges from $1,380 in 60018 to $1,740 in 60660. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 60629 | 108,324 | 15,370 | 36.6 min | 18.7% | $1,680 | +4% |
| 60618 | 91,901 | 18,402 | 34.0 min | 13.7% | $1,660 | +3% |
| 60632 | 89,107 | 11,962 | 33.0 min | 14.6% | $1,610 | 0% |
| 60647 | 84,749 | 21,385 | 32.4 min | 22.3% | $1,650 | +2% |
| 60639 | 84,240 | 16,977 | 36.5 min | 13.5% | $1,685 | +4% |
| 60623 | 81,277 | 15,116 | 31.5 min | 25.0% | $1,610 | 0% |
| 60608 | 80,737 | 12,924 | 29.9 min | 24.4% | $1,580 | −2% |
| 60625 | 76,760 | 20,399 | 34.5 min | 21.3% | $1,675 | +4% |
| 60617 | 74,790 | 5,470 | 37.3 min | 22.3% | $1,605 | −1% |
| 60634 | 73,885 | 10,393 | 36.3 min | 7.5% | $1,645 | +2% |
| 60657 | 71,904 | 33,059 | 33.3 min | 41.3% | $1,700 | +5% |
| 60614 | 70,693 | 21,941 | 30.9 min | 31.3% | $1,635 | +1% |
| 60641 | 68,894 | 17,108 | 37.2 min | 16.5% | $1,695 | +5% |
| 60640 | 65,445 | 27,719 | 35.5 min | 38.5% | $1,715 | +6% |
| 60620 | 64,871 | 9,271 | 39.4 min | 25.7% | $1,675 | +4% |
| 60651 | 63,335 | 18,289 | 36.1 min | 26.3% | $1,685 | +4% |
| 60609 | 62,028 | 8,004 | 32.1 min | 21.0% | $1,570 | −3% |
| 60628 | 60,431 | 5,505 | 37.3 min | 21.3% | $1,605 | −1% |
| 60619 | 59,503 | 9,718 | 36.2 min | 30.1% | $1,635 | +1% |
| 60638 | 57,074 | 5,158 | 33.6 min | 6.9% | $1,555 | −4% |
| 60630 | 55,486 | 11,703 | 33.3 min | 9.9% | $1,615 | 0% |
| 60622 | 54,609 | 21,844 | 29.0 min | 19.4% | $1,610 | 0% |
| 60616 | 54,308 | 14,292 | 28.4 min | 29.8% | $1,565 | −3% |
| 60637 | 52,721 | 11,643 | 30.8 min | 41.7% | $1,580 | −2% |
| 60613 | 52,244 | 22,442 | 34.6 min | 35.4% | $1,685 | +4% |
| 60626 | 49,662 | 28,941 | 36.5 min | 37.7% | $1,730 | +7% |
| 60645 | 48,208 | 21,657 | 31.4 min | 16.6% | $1,640 | +2% |
| 60649 | 48,056 | 13,275 | 36.3 min | 37.1% | $1,665 | +3% |
| 60644 | 47,210 | 13,446 | 36.1 min | 38.8% | $1,660 | +3% |
| 60643 | 45,942 | 6,246 | 35.7 min | 11.9% | $1,595 | −1% |
| 60610 | 44,883 | 40,362 | 26.0 min | 49.1% | $1,615 | 0% |
| 60615 | 42,975 | 19,632 | 28.3 min | 36.4% | $1,590 | −2% |
| 60660 | 42,724 | 33,535 | 36.1 min | 38.9% | $1,740 | +8% |
| 60659 | 41,728 | 17,681 | 30.1 min | 12.4% | $1,605 | −1% |
| 60707 | 41,116 | 11,491 | 33.8 min | 9.7% | $1,620 | 0% |
| 60652 | 41,074 | 8,490 | 38.8 min | 8.0% | $1,660 | +3% |
| 60611 | 37,705 | 47,547 | 24.7 min | 46.2% | $1,610 | 0% |
| 60605 | 36,210 | 25,322 | 25.7 min | 39.1% | $1,575 | −2% |
| 60612 | 35,744 | 9,611 | 31.5 min | 33.7% | $1,575 | −2% |
| 60624 | 35,263 | 9,942 | 32.9 min | 33.6% | $1,595 | −1% |
| 60653 | 33,383 | 14,145 | 31.9 min | 37.6% | $1,610 | 0% |
| 60607 | 32,392 | 14,004 | 23.5 min | 30.1% | $1,500 | −7% |
| 60636 | 32,198 | 8,229 | 40.7 min | 27.8% | $1,680 | +4% |
| 60631 | 30,924 | 8,255 | 29.3 min | 8.5% | $1,535 | −5% |
| 60656 | 29,538 | 9,125 | 30.1 min | 6.3% | $1,555 | −4% |
| 60646 | 28,780 | 6,485 | 32.9 min | 7.3% | $1,560 | −3% |
| 60655 | 28,434 | 6,451 | 30.8 min | 4.2% | $1,535 | −5% |
| 60621 | 28,301 | 7,539 | 37.1 min | 41.7% | $1,625 | +1% |
| 60018 | 27,952 | 1,686 | 26.0 min | 5.7% | $1,380 | −15% |
| 60654 | 25,755 | 47,519 | 23.4 min | 45.4% | $1,595 | −1% |
| 60642 | 21,789 | 13,063 | 27.1 min | 27.9% | $1,545 | −4% |
| 60601 | 15,235 | 39,165 | 27.1 min | 45.4% | $1,630 | +1% |
| 60633 | 12,474 | 1,280 | 37.4 min | 9.1% | $1,490 | −8% |
| 60661 | 11,398 | 37,248 | 25.1 min | 40.7% | $1,600 | −1% |
| 60606 | 3,840 | 16,552 | 19.9 min | 54.9% | $1,465 | −9% |
| 60602 | 1,480 | 18,049 | 27.0 min | 55.2% | $1,565 | −3% |
| 60603 | 1,298 | 10,908 | 21.8 min | 36.7% | $1,460 | −10% |
| 60604 | 616 | 8,000 | 29.3 min | 20.6% | $1,535 | −5% |
Minimum car insurance in Chicago
Chicago drivers follow Illinois's rules: at least 25/50/20 liability coverage, and uninsured motorist coverage. Illinois is at-fault (tort). We estimate state-minimum coverage in Chicago at $580 a year, and $845 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $20,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Illinois does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage must be included in an amount equal to uninsured motorist limits when those limits exceed the minimum. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Chicago premiums
Accidents
Illinois recorded 1,177 traffic deaths, or 1.13 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Illinois's vehicle theft rate is 238 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Hyundai Elantra (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Cook County as relatively high for hail, very high for inland flooding and very high for strong wind, and very low for hurricanes.
Traffic & commuting
13.4% of Chicago commuters spend an hour or more getting to work, and there are 1.12 vehicles per household. 21.0% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.1 | Comprehensive (car); roof claims (home) | |
| Tornado | 100.0 | Comprehensive; dwelling | |
| Hurricane | 48.9 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 44.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 99.6 | Comprehensive; dwelling | |
| Winter weather | 100.0 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Chicago by driver profile
A clean-record driver in their 50s pays the least in our Chicago model (about $1,485 for full coverage); an 18-year-old on their own policy pays about $4,435, and a DUI pushes a 30-something to $2,985.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,600 | $2,320 | $4,435 | $370 |
| Young adult (22) | $930 | $1,350 | $2,580 | $215 |
| Adult in their 30s | $580 | $845 | $1,615 | $135 |
| Adult in their 50s | $535 | $775 | $1,485 | $124 |
| Senior (72) | $650 | $945 | $1,805 | $150 |
| 30s, one at-fault accident | $845 | $1,220 | $2,340 | $195 |
| 30s, DUI on record | $1,075 | $1,560 | $2,985 | $249 |
Minimum vs. standard vs. full coverage in Chicago
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $580 | $48 | $475–$685 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $845 | $70 | $690–$995 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,615 | $134 | $1,325–$1,905 |
Estimate your premium in Chicago
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Cheap car insurance in Chicago: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Chicago's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $110 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $115 | You're among the 21.0% of Chicago workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $420 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $770 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $355 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Chicago
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 400 offices listed below.
- Check complaint records with the Illinois Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Chicago, our estimates differ by up to $360 a year between neighborhoods.
Car insurance agents near Chicago, IL
We found 400 insurance offices within about 11 miles of central Chicago, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Sylvia Torres Underhill - State Farm
2422 S Oakley Avenue, Chicago, IL 60608 -
Insurance Agency - Farmers - Liyi Cao
3210 S Archer Ave, Chicago, IL 60608 -
Richard Carrasco Sr - American Family Insurance
3836 S Archer Ave, Chicago, IL 60632 -
Freeway Insurance
2232 S Western Ave, Chicago, IL 60608 -
M. Rodriguez Agency INC.
1701 W 35th St, Chicago, IL 60609 -
Oxford Auto Insurance
2356 West Cermak Road, Chicago, IL 60608 -
Maria Ruiz - Allstate
1916 W Cermak Rd, Chicago, IL 60608 -
Simon Lau - Farmers Insurance
3015 S Archer Ave, Chicago, IL 60608 -
Zheng Mei - Allstate
2881 S Archer Ave, Chicago, IL 60608 -
Arie Goldenstein - Farmers Insurance
2022 S Ashland Ave, Chicago, IL 60608 -
Freeway Insurance
1858 W 18th St, Chicago, IL 60608 -
Michael Phillips - State Farm
1130 W 37th St., FL 1, Chicago, IL 60609 -
State Farm
1631 West 18th Street, Chicago, IL 60608 -
Little Village - Insurance Navy Brokers
3633 West 26th Street, Chicago, IL 60623 -
Freeway Insurance
4271 S Archer Ave, Chicago, IL 60632 -
Sterling Jackson - Allstate
1010 W 35th St, Ste 620, Chicago, IL 60609 -
Insurance Navy Brokers
4300 South Archer Avenue, Chicago, IL 60632 -
Freeway Insurance
3716 W 26th St, Chicago, IL 60623 -
Erie Insurance
3500 S Morgan Street, Unit 203, Chicago, IL 60609 -
Erie Insurance
1655 S Blue Island Avenue, Chicago, IL 60608 -
Loya Insurance Company
South Halsted Street, Chicago, IL 60608 -
Jose R Perez - Farmers Insurance
1618 S Blue Island Ave, Chicago, IL 60608 -
Susan Ellen Granat - Farmers Insurance
3149 S Halsted St, Chicago, IL 60608 -
Malham Family Agency
4429 S Archer Ave, Chicago, IL 60632 -
Carlos Aguilar - State Farm
3333 S Halsted Street, Chicago, IL 60608 -
Miguel Sevilla Agency Inc
4019 W 31st St, Chicago, IL 60623 -
Insurance Navy Brokers
1801 West 47th Street, Chicago, IL 60609 -
Art Santos - State Farm Insurance Agent
4610 South Ashland Avenue, Chicago, IL 60609 -
King Chu - American Family Insurance
471 W 31st St, Ste A, Chicago, IL 60616 -
Erie Insurance
3131 S Canal Street, Chicago, IL 60616 -
Jose De Santiago - Allstate
1613 S Halsted St, Chicago, IL 60608 -
Allstate
4344 West 26th Street, Chicago, IL 60623 -
State Farm
4355 West 26th Street, Chicago, IL 60623 -
Dwayne Jackson - State Farm
1345 West Taylor, Chicago, IL 60607 -
Angelica Garcilazo - State Farm Insurance Agent
4326 South Pulaski Road, Chicago, IL 60632 -
Darren Tillis - State Farm
3830 W. Roosevelt Rd, Chicago, IL 60624 -
Faye Wu - American Family Insurance
245 W 23rd St, Chicago, IL 60616 -
Xinhe Liu - Farmers Insurance
2308 S Wentworth Ave, Chicago, IL 60616 -
Tad Tran - State Farm
223 W Cermak Road, Fl 2, Chicago, IL 60616 -
Bryan Solis - State Farm
4848 S Pulaski Road, Chicago, IL 60632
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Chicago
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,210 | −25% |
| Subaru Outback | Wagon | $1,200 | −26% |
| Tesla Model 3 | Midsize car | $1,705 | +6% |
| Subaru Forester | Small SUV | $1,175 | −27% |
| Honda Civic | Compact car | $1,840 | +14% |
| Toyota Corolla | Compact car | $1,720 | +7% |
| Jeep Wrangler | Midsize SUV | $1,340 | −17% |
| Mazda CX-5 | Small SUV | $1,360 | −16% |
| MINI Cooper | Subcompact car | $1,220 | −24% |
| Tesla Model Y | Midsize SUV | $1,535 | −5% |
More car insurance topics in Chicago
Car insurance in nearby Illinois cities
- Naperville $1,480/yr · 25 mi
- Aurora $1,435/yr · 32 mi
- Joliet $1,410/yr · 33 mi
- Elgin $1,425/yr · 36 mi
- Waukegan $1,415/yr · 38 mi
- Rockford $1,330/yr · 77 mi
- Champaign $1,280/yr · 123 mi
- Peoria $1,280/yr · 127 mi
- Decatur $1,250/yr · 152 mi
- Springfield $1,260/yr · 175 mi
- Quincy $1,220/yr · 233 mi
All Illinois cities and state rules · Homeowners insurance in Chicago
Frequently asked questions
How much is car insurance in Chicago, IL?
We estimate full coverage in Chicago at about $1,615 a year ($134 a month) for a driver in their 30s with a clean record, and about $580 for Illinois's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Chicago more expensive than the Illinois average?
Our Chicago estimate is 17% higher than the statewide figure. The model reflects a population density of 11,949 people per square mile (the typical Illinois resident lives at about 1,685) and an average commute of 33.1 minutes versus 27.8 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Chicago?
Drivers in Chicago follow Illinois law: at least 25/50/20 liability coverage and uninsured motorist coverage.
Which ZIP code in Chicago has the cheapest car insurance?
Among Chicago's 58 ZIP codes, 60018 has the lowest estimate (about $1,380 a year for full coverage) and 60660 the highest (about $1,740), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Chicago?
An 18-year-old with their own full-coverage policy would pay around $4,435 a year in Chicago by our estimate ($1,600 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Chicago?
Yes. FEMA's National Risk Index rates Cook County for hail (relatively high), inland (river) flooding (very high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Chicago?
We list 400 insurance offices in and around Chicago, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Illinois Department of Insurance: Auto Insurance
- Illinois Department of Insurance: Auto Insurance Shopping Guide
- 215 ILCS 5/143a-2 (underinsured motorist coverage)
- Illinois Secretary of State: Financial Responsibility (SR-22) Insurance
- Illinois Secretary of State: Proof of Financial Responsibility - SR-22
- Illinois Department of Insurance: How to File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Chicago and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places