Whether you’re heading out for a slice at Gino’s East or taking friends to see “The Bean,” driving on Chicago’s streets often means navigating heavy traffic and sharing the road with buses, pedestrians and cyclists. You have to be a little assertive to get where you’re going, and finding your way around the grid can take a little practice.
The best way to protect yourself, your passengers and your finances is to get robust car insurance coverage. Because Chicago is an urban area, rates can be higher than in smaller towns, so it’s wise to compare rates from multiple insurers.
We’ve gathered the cheapest car insurance quotes that Chicago drivers have received so you can see how pricing varies by age, location within the city and preferred coverage.
Cheapest minimum coverage insurance in Chicago
Illinois requires drivers to have the following minimum coverages:
- $25,000 for injury or death of one person in a crash.
- $50,000 for injury or death of more than one person in a crash.
- $20,000 for damage to property of another person.
- $25,000 in uninsured motorist coverage per person.
- $50,000 in uninsured motorist coverage per accident.
These are the cheapest quotes for minimum coverage insurance in Chicago, based on real quotes from Jerry customers.These are the cheapest quotes for minimum coverage insurance in Chicago, based on real quotes from Jerry customers.
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Chicago
The state’s minimum coverage won’t be enough to protect your finances if your car is stolen or damaged in bad weather. You’d need full coverage, which comprises collision and comprehensive insurances, to pay for damages in those cases.
Here are full coverage quotes that real drivers in Chicago have received, according to Jerry’s data.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $33 | $401 | 26 | 09/30/25 | 60645 | ||
| $37 | $441 | 51 | 11/07/25 | 60640 | ||
| $39 | $473 | 41 | 06/19/25 | 60625 | ||
| $42 | $505 | 63 | 07/07/25 | 60626 | ||
| $45 | $535 | 39 | 06/16/25 | 60613 | ||
| $45 | $537 | 61 | 11/06/25 | 60634 | ||
| $46 | $555 | 46 | 06/26/25 | 60613 | ||
| $47 | $567 | 38 | 06/17/25 | 60613 | ||
| $49 | $593 | 44 | 06/22/25 | 60656 | ||
| $50 | $597 | 52 | 07/27/25 | 60618 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in Chicago (18-29 years old)
Younger drivers tend to pay higher rates for car insurance, but that doesn't mean affordable coverage isn't attainable. Drivers from 18 to 29 years old can compare quotes from multiple insurers to find the best rate.
Here are the cheapest car insurance quotes young Jerry customers in Chicago have received.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
|
|---|---|---|---|---|---|---|---|
| $26 | $316 | 29 | No | 11/14/25 | 60605 | ||
| $36 | $428 | 22 | No | 08/23/25 | 60647 | ||
| $40 | $484 | 28 | No | 07/09/25 | 60647 | ||
| $41 | $486 | 25 | No | 09/17/25 | 60605 | ||
| $43 | $510 | 23 | No | 07/09/25 | 60611 | ||
| $45 | $537 | 61 | 11/06/25 | 60634 | |||
| $46 | $555 | 46 | 06/26/25 | 60613 | |||
| $47 | $567 | 38 | 06/17/25 | 60613 | |||
| $49 | $593 | 44 | 06/22/25 | 60656 | |||
| $50 | $597 | 52 | 07/27/25 | 60618 |
Cheapest car insurance for mature drivers in Chicago (30-54 years old)
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $21 | $252 | 31 | No | 07/10/25 | 60645 | ||
| $25 | $298 | 47 | No | 10/11/25 | 60613 | ||
| $25 | $304 | 38 | No | 08/07/25 | 60655 | ||
| $26 | $312 | 34 | No | 07/26/25 | 60647 | ||
| $26 | $313 | 41 | No | 08/07/25 | 60622 | ||
| $45 | $537 | 61 | 11/06/25 | 60634 | |||
| $46 | $555 | 46 | 06/26/25 | 60613 | |||
| $47 | $567 | 38 | 06/17/25 | 60613 | |||
| $49 | $593 | 44 | 06/22/25 | 60656 | |||
| $50 | $597 | 52 | 07/27/25 | 60618 |
Cheapest car insurance for older drivers (55+ years old)
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $22 | $267 | 66 | No | 10/02/25 | 60655 | ||
| $26 | $316 | 72 | No | 07/09/25 | 60613 | ||
| $31 | $372 | 59 | No | 09/20/25 | 60634 | ||
| $34 | $406 | 60 | No | 07/02/25 | 60610 | ||
| $34 | $410 | 66 | No | 11/09/25 | 60630 | ||
| $45 | $537 | 61 | 11/06/25 | 60634 | |||
| $46 | $555 | 46 | 06/26/25 | 60613 | |||
| $47 | $567 | 38 | 06/17/25 | 60613 | |||
| $49 | $593 | 44 | 06/22/25 | 60656 | |||
| $50 | $597 | 52 | 07/27/25 | 60618 |
Cheapest car insurance for drivers with clean records in Chicago
A clean driving record can ensure you're getting the best rate possible. Here are the cheapest quotes for car insurance that Chicagoans with no accidents or citations on their records have received via Jerry.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $22 | $258 | 33 | 08/02/25 | No | 60653 | ||
| $22 | $262 | 41 | 07/31/25 | No | 60641 | ||
| $26 | $313 | 41 | 08/07/25 | No | 60622 | ||
| $26 | $315 | 52 | 10/16/25 | No | 60634 | ||
| $26 | $316 | 29 | 11/14/25 | No | 60605 | ||
| $27 | $322 | 51 | 11/07/25 | No | 60640 | ||
| $28 | $334 | 45 | 07/06/25 | No | 60657 | ||
| $28 | $334 | 66 | 10/02/25 | No | 60655 | ||
| $29 | $344 | 32 | 07/24/25 | No | 60618 | ||
| $29 | $346 | 35 | 08/03/25 | No | 60611 |
Cheapest car insurance for drivers with low credit scores in Chicago
Your credit score is a factor in your car insurance premium, and those with low scores can pay higher rates than good-credit drivers. It's wise to get multiple quotes if you have a low score to find the most affordable option. These are some of the cheapest quotes that real Jerry customers in Chicago with credit scores below 550 have received via Jerry.
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
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|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $41 | $490 | 55 | 11/05/25 | 60636 | ||
| <550 | $48 | $574 | 46 | 11/24/25 | 60618 | ||
| <550 | $53 | $636 | 43 | 08/31/25 | 60630 | ||
| <550 | $58 | $690 | 54 | 07/15/25 | 60629 | ||
| <550 | $59 | $706 | 44 | 10/27/25 | 60628 | ||
| $27 | $322 | 51 | 60640 | ||||
| $28 | $334 | 45 | 60657 | ||||
| $28 | $334 | 66 | 60655 | ||||
| $29 | $344 | 32 | 60618 | ||||
| $29 | $346 | 35 | 60611 |
Cheapest car insurance for drivers with at-fault accidents in Chicago
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At-fault Accident on Record
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
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City, State
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ZIP Code
|
|---|
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $30 | $362 | 37 | No | 11/05/25 | 60614 | ||
| At Fault With No Injury | $30 | $364 | 26 | No | 04/04/25 | 60661 | ||
| At Fault With No Injury | $34 | $408 | 32 | No | 12/27/24 | 60654 | ||
| At Fault With No Injury | $36 | $428 | 65 | No | 11/18/25 | 60613 | ||
| At Fault With No Injury | $38 | $450 | 32 | No | 05/26/25 | 60605 | ||
| $27 | $322 | 51 | No | 60640 | ||||
| $28 | $334 | 45 | No | 60657 | ||||
| $28 | $334 | 66 | No | 60655 | ||||
| $29 | $344 | 32 | No | 60618 | ||||
| $29 | $346 | 35 | No | 60611 |
Cheapest car insurance for drivers with speeding tickets in Chicago
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Violation Summary
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Monthly Quote
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Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $55 | $662 | 42 | 09/13/25 | 60613 | ||
| Speeding over 15 | $56 | $670 | 30 | 06/15/25 | 60657 | ||
| Speeding over 15 | $57 | $686 | 33 | 11/18/25 | 60620 | ||
| Speeding under 15 | $68 | $818 | 38 | 08/11/25 | 60647 | ||
| Speeding under 15 | $72 | $858 | 28 | 10/15/25 | 60659 | ||
| $27 | $322 | 51 | 11/07/25 | 60640 | |||
| $28 | $334 | 45 | 07/06/25 | 60657 | |||
| $28 | $334 | 66 | 10/02/25 | 60655 | |||
| $29 | $344 | 32 | 07/24/25 | 60618 | |||
| $29 | $346 | 35 | 08/03/25 | 60611 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
