Who Has the Cheapest Car Insurance Quotes in Chicago, IL?

Over two million people call Chicago home with millions more people commuting daily into the Windy City. With driving comes car insurance, and many Chicagoans need to buy or renew a policy every year. Finding the best deal can be time consuming so we took a look at over 20 companies within the city to see which gave the best quotes.

Cheapest Car Insurance in Chicago, IL

Based on the rates of a 30 year old male driver, we found the most affordable car insurance companies in Chicago and the greater Cook County area. We examined over 25 companies from 21 cities in Cook County and discovered that smaller insurance companies tended to be the cheaper option for drivers.

Companies like Unique and Lighthouse, although small, provided residents of Chicago and Cook lower auto insurance rates than some larger companies like State Farm and Allstate. We should note though that these rates may change for different drivers. Younger drivers tend to pay more, and if there is an at-fault accident on your record, you will also pay more. These companies may be a good place to start however when you collect quotes.

How Car Insurance Costs Change within Chicago

Chicago is a large city with many neighborhoods. As a result, some places within the Windy City may actually be more expensive than others. We surveyed the 55 zip codes of Chicago and found that neighborhoods near the Loop and the north side are generally cheaper than those from the south side.

Auto Insurance Costs by City in Cook County

What may be the cheapest insurer in one town may be more expensive in the next. In the following table we break down the three most affordable insurance companies in each of the 21 cities we surveyed from Cook County, including Chicago.

Where to Find Car Insurers in Chicago and Cook County

Most insurance companies, especially smaller ones, still require that at least part of the quote buying process happen through an agent. GEICO, Progressive and Esurance are really the only companies that allow the whole process to take place online. Below we list a handful of car insurance agents and agencies from around Cook County and Chicago.

Auto Insurance Requirements in Illinois

Almost all of the 50 states have a minimum amount of insurance all drivers are required to hold. In Illinois, the amount of coverage you need to carry is higher than most other states, but overall is still a small amount of car insurance to adequately protect you.

How We Got Our Numbers

We collected quotes from a variety of insurance companies across Chicago and Cook County. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only variable that changed was the zip code where he lived in Illinois. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.