Cheap Car Insurance in Chicago

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in Chicago

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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.

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
ZIP Code
$33 $390 Progressive 44 April 22, 2025 60613
$34 $410 Progressive 41 March 27, 2025 60652
$34 $412 Progressive 36 July 19, 2024 60630
$35 $420 Progressive 32 April 3, 2025 60661
$35 $422 Progressive 52 February 8, 2025 60657
$36 $430 Progressive 53 September 27, 2024 60660
$36 $436 Progressive 34 August 17, 2024 60640
$37 $438 Progressive 27 April 30, 2025 60610
$41 $496 National General 44 April 22, 2025 60613
$42 $500 Progressive 34 February 4, 2024 60660
Last Updated May 5, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$33 $390 Progressive 44 April 22, 2025 Chicago, IL 60613
$34 $410 Progressive 41 March 27, 2025 Chicago, IL 60652
$36 $430 Progressive 53 September 27, 2024 Chicago, IL 60660
$41 $496 National General 44 April 22, 2025 Chicago, IL 60613
$43 $512 Bristol West 45 February 28, 2025 Chicago, IL 60613
$46 $550 Progressive 36 April 3, 2025 Chicago, IL 60659
$53 $640 Progressive 33 November 28, 2024 Chicago, IL 60611
$54 $646 Progressive 45 February 28, 2025 Chicago, IL 60613
$55 $656 Bristol West 44 April 20, 2025 Chicago, IL 60613
$57 $684 Bristol West 44 April 22, 2025 Chicago, IL 60613
Last Updated Apr 29, 2025

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$37 $438 Progressive 27 No April 30, 2025 Chicago, IL 60610
$51 $615 Commonwealth Insurance 25 No December 17, 2024 Chicago, IL 60630
$57 $678 Progressive 29 No December 23, 2023 Chicago, IL 60616
$58 $692 Progressive 25 No March 15, 2025 Chicago, IL 60634
$58 $692 Progressive 25 Yes March 15, 2025 Chicago, IL 60634
Last Updated May 5, 2025

Cheapest car insurance for mature drivers in Chicago (30-54 years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$33 $390 Progressive 44 Yes April 22, 2025 Chicago, IL 60613
$34 $410 Progressive 41 Yes March 27, 2025 Chicago, IL 60652
$34 $412 Progressive 36 No July 19, 2024 Chicago, IL 60630
$35 $420 Progressive 32 No April 3, 2025 Chicago, IL 60661
$35 $422 Progressive 52 No February 8, 2025 Chicago, IL 60657
Last Updated Apr 29, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$58 $692 Progressive 64 No November 3, 2024 Chicago, IL 60651
$59 $702 Bristol West 69 No September 10, 2024 Chicago, IL 60647
$59 $710 Progressive 55 No February 19, 2025 Chicago, IL 60630
$59 $710 Progressive 55 Yes February 19, 2025 Chicago, IL 60630
$61 $732 National General 69 No September 10, 2024 Chicago, IL 60647
Last Updated Apr 29, 2025

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$33 $390 Progressive 44 April 22, 2025 Yes Chicago, IL 60613
$34 $410 Progressive 41 March 27, 2025 Yes Chicago, IL 60652
$34 $412 Progressive 36 July 19, 2024 No Chicago, IL 60630
$35 $422 Progressive 52 February 8, 2025 No Chicago, IL 60657
$36 $430 Progressive 53 September 27, 2024 Yes Chicago, IL 60660
$36 $436 Progressive 34 August 17, 2024 No Chicago, IL 60640
$41 $496 National General 44 April 22, 2025 Yes Chicago, IL 60613
$42 $504 Progressive 35 August 7, 2024 No Chicago, IL 60617
$45 $534 Progressive 39 March 3, 2025 No Chicago, IL 60608
$46 $550 Progressive 36 April 3, 2025 Yes Chicago, IL 60659
Last Updated Apr 29, 2025

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.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $34 $410 Progressive 41 March 27, 2025 Chicago, IL 60652
<550 $51 $615 Commonwealth Insurance 25 December 17, 2024 Chicago, IL 60630
<550 $59 $706 Bristol West 29 November 2, 2023 Chicago, IL 60613
<550 $60 $714 Progressive 51 March 3, 2025 Chicago, IL 60639
<550 $66 $786 Bristol West 47 November 22, 2023 Chicago, IL 60652
Last Updated Apr 29, 2025

Cheapest car insurance for drivers with at-fault accidents in Chicago

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $53 $630 Progressive 40 No April 18, 2025 Chicago, IL 60707
At Fault With No Injury $59 $702 Bristol West 69 No September 10, 2024 Chicago, IL 60647
At Fault With No Injury $59 $704 Progressive 28 Yes November 20, 2024 Chicago, IL 60611
At Fault With No Injury $59 $706 Bristol West 29 No November 2, 2023 Chicago, IL 60613
At Fault With No Injury $59 $706 Progressive 28 Yes November 21, 2024 Chicago, IL 60611
Last Updated Apr 29, 2025

Cheapest car insurance for drivers with speeding tickets in Chicago

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $51 $615 Commonwealth Insurance 25 December 17, 2024 Chicago, IL 60630
Speeding over 15 $53 $640 Progressive 33 November 28, 2024 Chicago, IL 60611
Speeding under 15 $59 $706 Bristol West 29 November 2, 2023 Chicago, IL 60613
Speeding over 15 $65 $782 Progressive 33 March 23, 2025 Chicago, IL 60611
Speeding under 15 $76 $916 Commonwealth Insurance 25 January 21, 2025 Chicago, IL 60630
Last Updated Apr 29, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.