Chicago, IL Auto Insurance Rates

Chicago, IL residents can save $440 by comparing multiple quotes & reading reviews & research on Chicago car insurance rates, quotes, agents & coverage.

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LowestAverageHighest
$706 $1,099 $1,714
Write Your Review | Chicago, Illinois Auto Insurance Analysis
Allstate Auto Insurance, Chicago, IL
$107/1 month
Car Insurance Policy Holder
  • Single 18 Years old Male licensed <1 year ago with Own Chevrolet Avalanche LS used for Business with estimated annual mileage of 7,501 - 9,000.
  • vocational education & Part Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 15 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage

Latest Auto Insurance Reviews

Why is West Garfield the worst neighbourhood for car insurance in Chicago and Illinois?

The West Garfield Park neighborhood of Chicago has the highest average auto insurance rates in Illinois, with an average annual rate of $1,675 in 2014 – 103% more than that of Bloomington, the cheapest city in Illinois. Also, this works out to be 29% more expensive than the state average.

There are many factors that determine your car insurance premium, such as your coverage limits, your loss history, age, gender, marital status, and vehicle safety features. But one of the most important factors that go into the calculation is where you live or where you keep your car. Insurance companies consider some places as higher risks than others, and as a result, they require drivers in those places to pay higher premiums for car insurance.

Why do insurance rates vary by location?

Location-related factors such as property crimes, number of insurance claims, population density, road infrastructure and other factors will play an important role in deciding insurance premium. One of the factors affecting auto insurance rates in West Garfield is the property crime rate. On a scale of 1 (low) to 10 (high), West Garfield has a rating of 8.8 as compared to the state average of 4.2 and the US average of 4.4. Property crimes include the offenses of burglary, larceny-theft, motor vehicle theft, and arson.

Top 3 Expensive Neighborhoods of Chicago and Property Crime Rates:

Neighborhood Zip CodeProperty Crime RateAverage Insurance (in $)
606248.81,677
606218.71,674
606448.51,665

Least 3 Expensive Neighborhoods of Chicago and Property Crime Rates:

Neighborhood Zip Code

Property Crime Rate

Average Insurance(in $)

61761

4.4

826

62301

4.5

846

61822

4.6

849


What do you think is the solution to the problem of high insurance rates in West Garfield? Do insurance companies need to file lawsuits against governments for not controlling crimes in West Garfield Park? Such a precedent has already been set by Farmers Insurance Co., which filed class-action lawsuits against local governments in Chicago in May 2014 contending that their failure to prepare for heavy rainfall was leading to climate change. Legal action by auto insurance companies against the government is definitely a plan that is worth considering!

The ‘high insurance average vs. low median price’ dilemma of the used Chevrolet Silverado in Chicago

The price of a vehicle is a one-time investment, while its insurance is a recurring cost. So, what do you do when your dream car has a low price but very high insurance costs?

If live in Chicago, and are considering buying a used Chevrolet Silverado, this might be your prime concern. While the price of this full-size pickup truck is considerably low in Chicago, its insurance percentage is a whopping 7% of its cost.If you are going for a used Chevrolet Silverado, make sure you consider the insurance rates and median prices in advance.

If you are going for a used Chevrolet Silverado make sure you consider the insurance rates and median prices in advance.  Since the insurance rates and median prices are different for different cities, you might miss out on a good deal just because you did not know the right place to purchase it from.

You might not have the choice of buying the cheapest insurance, but with a little research, you can still save on your upfront costs.

Let us take a look at how purchasing a used Chevrolet Silverado could be affordable in the state of Illinois. The figures below are of a used Chevrolet Silverado within the year range of 2005 and 2012.

State City Median Price ($) Insurance Average ($) Insurance %
Illinois Chicago 18,885 1,471 7
Illinois Peoria 25,000 932 3

If you take a look at the table above, Chicago has the highest insurance average in Chevrolet Silverado in Illinois. However, the median price is really low compared to the city of Peoria. If you live in Chicago, your best bet would be to buy your used Chevy Silverado from here. You could reduce your insurance costs by adding an anti-theft device, adding teen drivers to your policy, maintaining a clean driving record, etc.

Peoria, on the other hand, has a high upfront cost. However, if you live in Peoria you can save a lot on insurance premiums when compared to the other cities in the state.  You also have the option of buying the car from Chicago and having it shipped to Peoria. This would help you save up to $6,000!

Chicago Car Insurance Rate Comparisons

Chicago, IL's average car insurance of $1099 differs from Forest Park, IL (+$215), Burbank, IL (+$71), McCook, IL (-$129) and Illinois (+$223)

Chicago Forest Park, IL Burbank, IL McCook, IL Illinois
Median Insurance Rates $1099 +$215 +$71 -$129 +$223

Chicago Car Insurance Savings By Neighborhood & Street Area

Chicago Driver Street Residence & Car Locations Car Details in Chicago Chicago Driver Demographics Chicago Auto Insurance Estimates Recent Chicago Insurance Savings
Other Area
S Williston St2005 Buick Rendezvous CX17 year male teenager$3,423$731
Wood St2007 Ford Fusion SE68 year senior$1,354$872
E Liberty Dr2004 Acura TSX Base79 year female senior$1,424$897
Chase St2006 Cadillac DTS Luxury I65 year male senior$1,764$644
Byron Ct2007 Jeep Commander Sport34 year married woman$762$929
Churchville
Memorial St2007 Mazda MAZDA3 s Touring34 year woman$896$849
W Wood St2008 Chrysler 300 Touring21 year man$1,626$543
W Green St2013 Dodge Journey SXT25 year married man$1,464$427
S Center St2013 Hyundai Sonata GLS16 year female teenager$3,125$845
Orchard Ave2014 Volkswagen Jetta S18 year teenager$3,395$499

Chicago Post DUI Car Insurance Rates

Chicago Hometown Cicero Burbank Illinois
Median Post DUI Insurance Rate $2044 +$1043 +$463 +$132 +$414
Male Teenager Post DUI Insurance Rate $7665 +$3913 +$1737 +$494 +$1555
Female Teenager Post DUI Insurance Rate $6457 +$3298 +$1464 +$419 +$1312

The Post DUI insurance in Chicago, IL's is $2044 compared to Hometown (+$1043), Cicero (+$463), Burbank (+$132) and Illinois (+$414)

In Chicago, a male teenager with Post DUI pays $1208 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2004 Acura TSX Base in Chicago, IL would pay $7043 on auto insurance while a female teenager POST DUI would pay $5935.

Chicago Car Insurance by Segment

Chicago Teenagers Car Insurance Rates Comparison

179874 Chicago Teenagers (6% of total population), 50% Male & 50% Female.

Chicago River Forest Brookfield Forest View Illinois
All Teenagers $3769 +$484 +$117 +$449 +$765
Male Teenager $4121 +$529 +$127 +$491 +$836
Female Teenager $3472 +$446 +$108 +$414 +$705

Chicago teenagers pay $3769 in insurance in contrast with River Forest (+$484), Brookfield (+$117), Forest View (+$449) and Illinois (+$765). The difference between Male & Female teenagers in Chicago is $649

Example

  • 2008 Chevrolet Silverado 2500HD LT1 Male Teenager Insurance Rate $3,840
  • 2008 GMC Sierra 1500 Work Truck Female Teenager Insurance Rate $3,235

Chicago Men & Women Car Insurance

2702471 Chicago Adults (100% of total population), 48% Men & 52% Women.

Chicago Berwyn Oak Park Elmwood Park Illinois
All Women $1033 +$48 +$110 +$237 +$209
Married Women $967 +$45 +$103 +$222 +$196
All Men $1912 +$89 +$205 +$440 +$388
Married Men $1659 +$77 +$178 +$382 +$337

The typical insurance rate of $1912 that Chicago Men pay varies from Berwyn (+$89), Oak Park (+$205), Elmwood Park (+$440) and Illinois (+$388). In Chicago, married men pay $692 more than married women.

Example

  • 2012 Lincoln MKZ Base Married Men Insurance Rate $1,493
  • 2013 Toyota Prius Married Women Insurance Rate $1,419

Chicago Senior Car Insurance

404514 Chicago Seniors (14% of total population), 42% Senior Men & 58% Senior Women.

Chicago Riverside Maywood Burbank Illinois
All Seniors $1560 +$925 +$555 +$101 +$317
Senior Men $1593 +$944 +$567 +$103 +$323
Senior Women $1549 +$918 +$551 +$100 +$315

Chicago seniors pay $1560 in insurance compared to Riverside (+$925), Maywood (+$555), Burbank (+$101) and Illinois (+$317). In Chicago, senior men pay $44 more than senior women.

Chicago Car Insurance Discounts for Multiple Vehicles

Chicago Population with 1 Vehicle 458824 (45% of Chicago population), 2 Vehicles 227723 (22% of the Chicago population) and 3 vehicles 50892 (5% of the population)

Chicago Forest View Cicero Hometown Illinois
2 Vehicles $2089 +$248 +$473 +$1065 +$423
3 Vehicles $3188 +$379 +$722 +$1626 +$646
4 Vehicles $4287 +$510 +$971 +$2187 +$869

Car Insurance Agents in Chicago, IL

Rank Agent Name Agent Contact
1 1001 Insurance & Financial Services 6745 W Belmont Ave, Chicago, IL 60634
2 1st American Insurance Agency 4445 N Pulaski Rd Ste D, Chicago, IL 60630
3 1st Quality Insurance 6150 N Milwaukee Ave, Chicago, IL 60646
4 21st Century Agency 6400 N Northwest Hwy, Chicago, IL 60631
5 AAA-Chicago Motor Club 307 N Michigan Ave, Chicago, IL
6 A Alpha American Insurance Group 3120 W 111th St, Chicago, IL 60655
7 Aaron's Auto Glass 4318 W Armitage Ave, Chicago, IL
8 Abe GT & Associates Inc 7823 S Western Ave, Chicago, IL 60620
9 ABI Insurance Agency 4806 N Milwaukee Ave, Chicago, IL 60630
10 Abis Insurance Services 7432 W Belmont Ave, Chicago, IL 60634

Find the Cheapest auto insurance in Chicago, IL