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Cheap car insurance in Chicago, IL
Chicago drivers pay an average of $315 a month for full coverage and $135 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.
Lowest state minimum quote Jerry has found in last 12 months
Lowest full coverage quote Jerry has found in last 12 months
Average monthly savings for drivers who switch and find savings
Chicago rates have been shaped by a distinctly Midwest mix of pressures. The Hyundai-Kia theft trend that went viral on TikTok in 2022 landed harder in Chicago than in almost any other U.S. metro, pushing comprehensive claims up sharply across Cook County even as nationwide trends began to cool in 2024 and 2025. Brutal Chicago winters add a steady layer of pothole damage, fender benders on icy roads and vehicle break ins tied to salt and snow conditions.
And unlike other states, Illinois has one of the loosest rate regulation frameworks in the country. Insurers can raise rates without prior state approval, and through the 2023 to 2025 cycle, most did. Drivers who renewed without shopping around absorbed those hikes in full. Drivers who compared have often found meaningfully lower quotes with a different carrier.
Real recent quotes Jerry found for Chicago drivers
Here are some recent quotes Jerry has pulled for drivers in Chicago. These aren’t sample rates — they’re actual quotes pulled for Chicago drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.
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Coverage level
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Monthly quote
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Savings
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| 05/12/26 | Toyota Corolla Le | Standard | $299 | 17% | ||
| 05/12/26 | Nissan Rogue Sl | Basic + Full Coverage | $135 | 46% | ||
| 05/12/26 | GMC Yukon Sle | Basic + Full Coverage | $92 | 38% | ||
| 05/12/26 | Kia Seltos EX | Standard | $162 | 40% | ||
| 05/12/26 | Chevrolet Malibu 1lt | Preferred | $93 | 28% |
Based on Jerry customers with clean driving records who found savings in the past one month. Savings depend on coverage and other factors. Potential savings will vary.
Jerry pulls up to 20 quotes from top rated carriers.
Based on Jerry customers with clean driving records who found savings in the past one month. Savings depend on coverage and other factors. Potential savings will vary.
What are the cheapest car insurance companies in Chicago?
A handful of dynamics specific to Chicago shift which carrier ends up being the best fit:
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Your ZIP affects your rate more than almost any factor outside your driving record. Insurers weigh theft rates, claims frequency and parking availability heavily at the neighborhood level across Cook County. A move of a few miles can change which insurer ends up being cheapest for your profile.
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Renters bundling is a major lever in a renter-heavy city. A majority of Chicago households rent, according to the U.S. Census Bureau. Adding a renters insurance policy to your auto quote triggers multi-policy discounts of up to 25%, which can flip a middle-of-the-pack carrier into the cheapest option.
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Your parking situation feeds into your risk rating. Chicago insurers ask whether you park on the street, in an alley, in a dedicated off-street spot or in a garage. A covered or secured parking arrangement can meaningfully lower your comprehensive premium, especially in neighborhoods with elevated theft or vandalism rates.
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Your carrier’s Illinois footprint matters. Not every national carrier writes the same volume of policies in Illinois. In Jerry’s Chicago quote data, Aspire General and Anchor General most often appear in quotes for drivers with imperfect records, while Liberty Mutual and Mercury most often appear in quotes for drivers with clean records.
That said, the right carrier for you depends on your driving record, age, vehicle, parking and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.
Cheapest carriers in Chicago by average, state minimum coverage
Based on Jerry data from the past 12 months.
Cheapest carriers in Chicago by average, full coverage
Based on Jerry data from the past 12 months.
Compare 100+ insurers through Jerry in less than 5 minutes
Why is car insurance expensive in Chicago?
🚗 The Hyundai-Kia theft crisis
Between 2022 and 2024, a design flaw in certain model-year Hyundai and Kia vehicles made them incredibly easy to steal, according to the National Insurance Crime Bureau, and Chicago’s comprehensive claims for those models spiked by triple-digit percentages. Software updates and a class-action settlement have reduced new-theft rates since 2024, but comprehensive premiums across the metro remain elevated. Drivers of affected Hyundai and Kia models continue to see the steepest surcharges.
🛣️ Traffic congestion and accident density
Chicago ranks among the top U.S. metros for total annual congestion delays per commuter, according to the Texas A&M Transportation Institute Urban Mobility Report. The Dan Ryan, Kennedy and Edens expressways generate high accident frequency during rush hour, and the dense grid of city streets adds a steady flow of collision claims at lower speeds. More miles driven in heavy traffic translates directly into more claims, which insurers factor into Chicago base rates.
⛈️ Winter weather and road conditions
Chicago winters generate a distinct category of claims you won’t see in the Sun Belt. Single vehicle accidents on icy roads, collisions at salt corroded intersections and windshield replacements from road salt and plow debris all accumulate during the cold months. The Illinois Department of Transportation documents significant winter pothole damage across Cook County road networks each spring, which drives a second wave of comprehensive and collision claims.
⚠️ Uninsured drivers and loose rate regulation
About 12% of Illinois drivers are uninsured, according to the Insurance Information Institute. That cost gets passed through to insured drivers in the form of higher premiums and a strong case for carrying strong uninsured motorist coverage. Illinois also operates under a file-and-use rate regulation system, which means insurers can raise rates without prior approval from the Illinois Department of Insurance.
No-fault vs. at-fault: Illinois is an at-fault state, which means the driver who causes an accident is responsible for the damages. Illinois is also one of the few states that requires drivers to carry uninsured motorist coverage on every policy, at minimum limits of $25,000 per person and $50,000 per accident. That requirement gives you a baseline of protection if you’re hit by one of the roughly 12% of Illinois drivers without coverage.
Chicago car insurance rates by ZIP code
Chicago’s ZIP-level pricing split is dramatic. In Jerry’s Chicago data, the most expensive representative ZIPs run roughly double the cheapest, with significant outliers at both ends. Insurers weigh neighborhood-level theft rates, claims frequency and parking availability heavily across Cook County, so a move of a few miles can change your premium by several hundred dollars a month.
Two drivers with identical cars, records and credit can pay very different rates just based on which block they park on at night.
Cheapest ZIP codes
The cheapest ZIPs in Jerry’s Chicago data cluster on the North Side and along the lakefront, in dense neighborhoods like Lakeview, River North, the South Loop, the Logan Square and Wicker Park area, and the Gold Coast and Old Town area. Higher rates of garage and off-street parking, lower theft frequency and lower claims activity pull premiums well below the citywide average in these areas.
Mount Greenwood on the Far Southwest Side also makes the list, where a mix of single-family homes and stable residential streets keeps rates low. Two entries warrant a flag: 60699 at $124/mo is a unique-use ZIP rather than a residential neighborhood, and 60666 at $161/mo serves O’Hare International Airport. Both have small sample sizes that aren’t representative of typical Chicago drivers.
60699
Loop Carrier Annex
60655
Beverly, Mount Greenwood and Morgan Park
60602
Central Loop / heart of downtown
60657
Lake View
Based on Jerry customers with clean driving records. Savings depend on coverage and other factors. Potential savings will vary.
Most expensive ZIP codes
The most expensive ZIPs in Jerry’s Chicago data cluster on the South and West Sides, in neighborhoods like Englewood, West Englewood and Chicago Lawn, Auburn Gresham and Washington Heights, South Shore, Woodlawn and the Little Village and North Lawndale corridor. Higher overall theft frequency, denser claims activity, more on-street parking and elevated rates of hit-and-run claims tied to Illinois’ roughly 12% uninsured motorist rate all push premiums up in these areas.
Many of these ZIPs were also among those most heavily impacted by the 2022 to 2024 Hyundai-Kia theft crisis, which compounded existing pressure on comprehensive premiums. The very top of the table includes a few suburban outliers worth flagging: Evergreen Park and Alsip, both south Cook County suburbs.
60805
Evergreen Park
60827
Village of Riverdale
60803
Alsip
60623
Little Village (South Lawndale), North Lawndale, and Douglas Park
Based on Jerry customers with clean driving records. Savings depend on coverage and other factors. Potential savings will vary.
Car insurance calculator
Your personal rate estimate in 60 seconds
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Coverage levels
Basic:
Standard:
Preferred:
* Full coverage includes comprehensive & collision coverage. Coverages may differ in
no-fault states.
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| Insurer | Basic | Standard | Preferred |
Chicago car insurance rates by driver profile
ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.
Here’s what Jerry’s Chicago data shows for each, and what it actually means for your quote.
By age
Average cost of insurance in Chicago by age group, state minimum
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Average cost of insurance in Chicago by age group, full coverage
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
By driving record
The data does have one counterintuitive result worth highlighting: Chicago drivers with DUIs show a lower price on average compared to clean records on state minimum coverage. That is not because the Illinois Secretary of State is handing out breaks. It’s a mix effect: drivers with DUI marks on their records often end up with non-standard carriers that run cheaper on bare-minimum policies than mainstream carriers, so the pool of quotes available to those drivers averages lower even though any individual driver would pay more after a DUI than before at the same carrier.
For full coverage, the expected pattern holds, with speeding tickets, accidents, and DUIs adding to monthly premiums for Chicago drivers. The gap widens for full coverage because comprehensive and collision surcharges hit harder than liability surcharges. Illinois carriers typically look back three years on tickets and accidents, and some carriers look back longer for DUIs. If you are past that three year timeline on an old incident, there’s a good chance you are still paying surcharged rates on what’s now a clean record.
Jerry monitors your policy and automatically reshops when a better rate becomes available, including when violations fall off your rating.
Average cost of state minimum coverage in Chicago, by driving record
Based on Jerry customers over the past 12 months across a range of driving record profiles.
Average cost of full coverage in Chicago, by driving record
Based on Jerry customers over the past 12 months across a range of driving record profiles.
By credit score
Illinois allows insurance scoring based on individual credit scores, so in theory better credit should equal cheaper quotes. Jerry’s Chicago data doesn’t follow that clean pattern, and the reason is worth understanding before you draw any conclusions from the tables below.
On state minimum coverage, drivers in the Poor credit tier average about the same as drivers in the Excellent tier. On full coverage, drivers with Poor credit actually average lower than all three other tiers.
At any individual carrier, a driver with worse credit will pay more than the same driver with better credit. What the data is showing is an effect on the pool of quotes available to each segment. Drivers with poor credit scores are often ineligible for standard market carriers and end up quoting non-standard specialists, which build their business models around higher risk and non-standard drivers. These providers often sell cheaper policies for bare minimum coverage or low limit policies.
The practical takeaway: improving your credit score typically lowers your Illinois car insurance premium at any given carrier. Just don’t read the aggregate data as evidence that poor credit is cheaper. The best way to find out what your score actually does to your rate is to compare quotes across standard and non-standard carriers at the same time, which Jerry does automatically.
Average cost of state minimum coverage in Chicago, by credit score
Based on Jerry customers with clean driving records over the past 12 months in the age group 35-44, driving a 2015-2020 Toyota Camry.
Average cost of full coverage in Chicago, by credit score
Based on Jerry customers with clean driving records quoting a Basic + Full Coverage tier over the past 12 months in the age group 35-44, driving a 2015-2020 Toyota Camry.
How Jerry finds car insurance savings for Chicago drivers
Many Chicago drivers have seen their premiums rise lately, but there are still real savings to be found.
Jerry makes it easy to spot better deals by comparing quotes, finding discounts and more. Here are recent examples of Chicago customers who found lower quotes.
Recent quotes
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| 05/12/26 | Toyota Corolla Le | Standard | $299 | 17% | ||
| 05/12/26 | Nissan Rogue Sl | Basic + Full Coverage | $135 | 46% | ||
| 05/12/26 | GMC Yukon Sle | Basic + Full Coverage | $92 | 38% | ||
| 05/12/26 | Kia Seltos EX | Standard | $162 | 40% | ||
| 05/12/26 | Chevrolet Malibu 1lt | Preferred | $93 | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Learn more: Best car insurance in Illinois
Car insurance calculator
Your personal rate estimate in 60 seconds
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Coverage levels
Basic:
Standard:
Preferred:
* Full coverage includes comprehensive & collision coverage. Coverages may differ in
no-fault states.
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| Insurer | Basic | Standard | Preferred |
If you’re looking to find the cheapest car insurance in Illinois, below are four top tips that Jerry’s agents have found.
Jerry Agent Tip 1: Always compare quotes from different companies
Comparing quotes from multiple companies helps you avoid paying more than you need for car insurance. Different insurers value driver profiles differently, which can lead to very different prices. Here you can see how Jerry customers have received different quotes for the same coverage:
Recent customer quotes
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Good quote
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Better quote
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Best quote
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Better quote
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Best quote
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| 60640 | $85 | $66 | $57 | |
| 60641 | $78 | $75 | $71 | |
| 60616 | $54 | $51 | $45 | |
| 60616 | $88 | $82 | $63 | |
| 60649 | $78 | $53 | $45 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry Agent Tip 2: Save more by stacking discounts
Drivers in Chicago can lower their premiums by taking advantage of discounts for being a homeowner, going paperless or having modern safety features in their cars. These savings can add up to a cheaper policy without cutting coverage.
Jerry automatically searches for the discounts you are eligible for so you don’t miss out. Here are the best ones we’ve found recently:
Key takeaway: Combining discounts is an effective way to save. Jerry finds discounts you qualify for at different insurers when you compare quotes in the app.
Jerry Agent Tip 3: Balance protection and price to find the right coverage
Comparing coverage levels helps you stay protected without paying for more than you need. You can stick with the legal state minimum to keep premiums low, or choose higher tiers for extras like rental coverage, towing and better financial protection after an accident.
Here are the coverage options Chicago drivers can choose from to find the balance that works best:
Minimum
$80 – $158/mo
Meets Illinois’s 25/50/15 liability requirements, but does not cover damage to your own car.
Full
$164 – $362/mo
Adds collision and comprehensive, often required for financed or leased vehicles.
Standard
$183 – $383/mo
Includes UM/UIM and medical payments, especially valuable since over 15% of Illinois drivers are uninsured.
Preferred
$206 – $411/mo
Raises liability limits, lowers deductibles and adds extras like rental reimbursement or towing.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Key takeaway: Coverage levels aren’t one-size-fits-all. Jerry shows you the real cost of each tier so you can find the protection level that feels right for your car and your budget.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Get personalized car insurance rates now.
Jerry Agent Tip 4: Pick the right deductible
Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.
Here’s a look at the deductibles Jerry drivers chose in the past year:
To find the ideal deductible:
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Check your car’s value (Jerry tracks this for you monthly).
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Choose what you can afford out-of-pocket.
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See how deductibles change your rate in real time.
The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.
Illinois car insurance minimums: What’s required in Chicago
Illinois is an at-fault state with mandatory 25/50/20 liability minimums plus required uninsured motorist coverage. Here are the minimum requirements in https://jerry.ai/car-insurance/illinois/:
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$25,000 of bodily injury liability per person.
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$50,000 of bodily injury liability per accident.
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$20,000 for property damage liability per accident.
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$25,000 in uninsured motorist bodily injury coverage per person.
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$50,000 in uninsured motorist bodily injury coverage per accident.
Driving without insurance in Illinois can result in fines of at least $500 plus license and registration suspension until proof of insurance is filed, according to the Illinois Secretary of State. Repeat offenses carry higher penalties and longer suspension periods. The Illinois minimum fine for driving uninsured is among the higher first-offense penalties in the country.
Illinois’ $50,000 bodily injury per accident cap is on the lower end, and most Chicago drivers carrying only the state minimum are technically underinsured. The average crash with disabling injuries costs over $150,000, according to the National Safety Council, three times the state’s bodily injury cap. Consider buying full coverage and raising your liability limits to best protect yourself.
Jerry can help you find affordable car insurance starting at just $177/mo.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
FAQ
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How much is car insurance in Chicago, IL?
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What is the cheapest car insurance in Chicago, Illinois?
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Why is Chicago car insurance so expensive compared to the rest of Illinois?
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Does my Chicago ZIP code affect my car insurance rate?
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Does my credit score affect my car insurance rate in Illinois?
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How can I lower my car insurance rate in Chicago?
Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.