Auto Insurance Basics

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

Find the Cheapest Insurance Quotes in Your Area

Currently Insured?

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.

The image shows the cheapest and best car insurance companies in Chicago and Cook County, Illinois based on their annual rates

Find the Cheapest Auto Insurance Quotes in Your Area

Currently Insured?

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.

RankCompanyYearly Rate
1Unique$609
2Lighthouse$652
3Farmers$711
4The Hartford$878
5Rockford Mutual$880
6Chicago/Cook Average$1,298
7Illinois Average$1,156
8State Farm$1,002
9The Cincinnati$1,006
10Auto Club Group$1,018
11SECURA$1,056
12Country$1,070
13Nationwide$1,077
14Erie$1,093
1521st Century$1,168
16Pekin Insurance$1,178
17American Freedom$1,224
18American Family$1,227
19Auto Owners$1,252
20State Auto$1,317
21The General$1,603
22Mercury$1,663
23Allstate$1,664
24Grange$1,749
25Hastings Mutual$2,007
26Kemper Specialty$2,042
27MetLife$2,242
28Hanover$2,352

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.

Image shows the changing cost of auto insurance in Chicago

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.

CityCompanyYearly Rate
Arlington HeightsUnique$552
Farmers$564
Lighthouse$588
BerwynUnique$624
Lighthouse$696
Farmers$768
ChicagoUnique$720
Lighthouse$804
Farmers$816
CiceroUnique$624
Lighthouse$696
Farmers$996
Des PlainesUnique$600
Lighthouse$636
Farmers$756
EvanstonUnique$624
Lighthouse$684
Farmers$768
Hanover ParkUnique$552
Lighthouse$588
Rockford Mutual$660
Hoffman EstatesUnique$552
Lighthouse$588
Farmers$612
La GrangeUnique$660
Lighthouse$672
Farmers$696
NilesUnique$624
Lighthouse$684
Farmers$768
NorthbrookUnique$552
Farmers$600
Lighthouse$600
Oak LawnUnique$660
Lighthouse$672
Farmers$732
Oak ParkUnique$624
Lighthouse$696
Farmers$708
Orland ParkFarmers$660
Unique$660
Lighthouse$672
PalatineUnique$552
Lighthouse$588
Farmers$600
Park RidgeUnique$600
Farmers$636
Lighthouse$636
RiversideUnique$660
Lighthouse$672
Farmers$768
SchaumburgUnique$552
Lighthouse$588
Farmers$624
SkokieUnique$624
Lighthouse$684
Farmers$840
StreamwoodUnique$564
Farmers$636
Lighthouse$636
Tinley ParkFarmers$624
Unique$660
Lighthouse$672
WheelingUnique$552
Lighthouse$588
Rockford Mutual$684

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.

CityAgent.AgencyAddress
Arlington HeightsAllstate Insurance: John Noonan115 N Arl Hts Rd, Arlington Heights, IL 60004, United States
Farmers Insurance - John Hummel825 E Rand Rd #240, Arlington Heights, IL 60004, United States
Reese Insurance Group302 W Campbell St, Arlington Heights, IL 60005, United States
Allstate Insurance: David Winn1287 N Rand Rd, Arlington Heights, IL 60004, United States
Ryan Horan - State Farm Insurance Agent356 E Golf Rd, Arlington Heights, IL 60005, United States
BerwynIllinois Vehicle Auto Insurance5624 W Cermak Rd, Cicero, IL 60804, United States
Insurance Navy7333 W 25th St, North Riverside, IL 60546, United States
Farmers Insurance - Diana Castaneda-Torres2929 Harlem Ave, Berwyn, IL 60402, United States
American Family Insurance - Hector Garcia6337 W 26th St, Berwyn, IL 60402, United States
USA Insurance6807 12th St, Berwyn, IL 60402, United States
ChicagoIllinois Vehicle Auto Insurance3716 W 26th St, Chicago, IL 60623, United States
Accurate Auto Insurance7947 S Cicero Ave, Chicago, IL 60652, United States
Insure on the Spot5485 N Elston Ave, Chicago, IL 60630, United States
Illinois Vehicle Auto Insurance3917 W 63rd St, Chicago, IL 60629, United States
Allstate Insurance: John Tunnell2934 W Montrose Ave, Chicago, IL 60618, United States
CiceroInsureOne Insurance Agency5654 W Roosevelt Rd, Chicago, IL 60644, United States
Acceptance Auto Insurance1607 South #9, Cicero, IL 60804, United States
American Family Insurance - Minerva Moya5003 W Cermak Rd, Cicero, IL 60804, United States
Allstate Insurance: Juan Del Real5738 W 35th St, Cicero, IL 60804, United States
Allstate Insurance: Consuelo Malec6011 W 26th St, Cicero, IL 60804, United States
Des PlainesAllstate Insurance: Kenneth Petrillo1539 Market St, Des Plaines, IL 60016, United States
Allstate Insurance: Maryl Smith1383 E Prairie Ave, Des Plaines, IL 60016, United States
Essex Insurance Brokers LLC2500 Devon Ave #125, Des Plaines, IL 60018, United States
Farmers Insurance - Joe Thevara380 Northwest Hwy, Des Plaines, IL 60016, United States
Guy Winters - State Farm Insurance Agent570 Northwest Hwy, Des Plaines, IL 60016, United States
EvanstonState Farm: John Roman1800 Central St, Evanston, IL 60201, United States
Acceptance Auto Insurance7009 N Clark St, Chicago, IL 60626, United States
State Farm Insurance1727 Howard St, Evanston, IL 60202, United States
Statewide Insurance Agency Skokie Inc.8001 Lincoln Ave #210, Skokie, IL 60077, United States
Frank's Auto Insurance1718 Sherman Ave # 211, Evanston, IL 60201, United States
Hanover ParkIllinois Vehicle Auto Insurance1580 Buttitta Dr, Streamwood, IL 60107, United States
State Farm: Randy Weissenhofer796 W Army Trail Rd, Carol Stream, IL 60188, United States
Magnum Insurance2107 Bloomingdale Rd, Glendale Heights, IL 60139, United States
Allstate Insurance: Ines Alexandra Arguello1264 Lake St, Roselle, IL 60172, United States
Michael Vidales State Farm Insurance Agency1700 W Wise Rd, Schaumburg, IL 60193, United States
Hoffman EstatesAmerican Family Insurance - Michael J. Sparks33 W Higgins Rd Ste 3010, South Barrington, IL 60010, United States
American Family Insurance - Cara Sparks555 W Central Rd #110, Hoffman Estates, IL 60192, United States
Liberty Mutual - Hoffman Estates, IL2815 Forbs Ave Ste 200, Hoffman Estates, IL 60192, United States
Farmers Insurance2155 Stonington Ave #102, Hoffman Estates, IL 60169, United States
Allstate Insurance: Adele Knight830 E Higgins Rd, Schaumburg, IL 60173, United States
La GrangeFarmers Insurance: Frank Pedote130 N La Grange Rd #103, La Grange, IL 60525, United States
Brian Harmon - State Farm Insurance Agent5343 South La Grange Road, Countryside, IL 60525, United States
Allstate Insurance: Frank J. Cannistra, II18 E Burlington Ave, La Grange, IL 60525, United States
Allstate Insurance: William Storrs6555 Willow Springs Rd #10, La Grange Highlands, IL 60525, United States
Allstate Insurance: Nick Del Giudice521 South La Grange Road Ste 100, La Grange, IL 60525, United States
NilesFreddie Villacci - State Farm Insurance Agent7900 N Milwaukee Ave #14, Niles, IL 60714, United States
Allstate Insurance: Tony Barda8045 N Milwaukee Ave, # I, Niles, IL 60714, United States
Allstate Insurance: Dorothy Stamenkovic8961 W Golf Rd, Niles, IL 60714, United States
American Family Insurance - M. C. Stanojevic Agency Inc.7400 N Waukegan Rd Ste 107, Niles, IL 60714, United States
Jeff Curry - State Farm Insurance Agent8135 N Milwaukee Ave, Niles, IL 60714, United States
NorthbrookAllstate Insurance: Marc Turim400 Lake Cook Rd Ste 110, Deerfield, IL 60015, United States
Allstate Insurance: Lewis Financial Inc.1301 S Wolf Rd Ste 204, Prospect Heights, IL 60070, United States
An Insurance Store3410 Milwaukee Ave, Northbrook, IL 60062, United States
Allstate Insurance: Mark Havlic3075 Sanders Rd, Ste G1e, Northbrook, IL 60062, United States
Farmers Insurance - Mike Economoy450 Skokie Blvd #302, Northbrook, IL 60062, United States
Oak LawnAllstate Insurance: Jesse Marquez9548 SW Hwy, Oak Lawn, IL 60453, United States
State Farm: Jerry Carter9816 S Cicero Ave, Oak Lawn, IL 60453, United States
Sabina Martin & Associates Insurance5140 95th St, Oak Lawn, IL 60453, United States
Buschbach Insurance Agency, Inc.5615 95th St, Oak Lawn, IL 60453, United States
American Family Insurance - Don Murphy Agency Inc10522 S Cicero Ave Ste 306, Oak Lawn, IL 60453, United States
Oak ParkDavid E. Young & Company Insurance6945 W North Ave, Oak Park, IL 60302, United States
Aarco-American, Inc. II549 Madison St, Oak Park, IL 60302, United States
American Family Insurance - Elizabeth Axtell7206 Madison St, Forest Park, IL 60130, United States
Allstate Insurance: Gary Longstein1106 Chicago Ave, Oak Park, IL 60302, United States
Tim Brown - State Farm Insurance Agent310 Chicago Ave, Oak Park, IL 60302, United States
Orland ParkTim Kacerovskis - State Farm Insurance Agent14340 South La Grange Road, Orland Park, IL 60462, United States
Farmers Insurance - David Martino9567 W 144th Pl, Orland Park, IL 60462, United States
Paul Siano - State Farm Insurance Agent8130 W 143rd St, Orland Park, IL 60462, United States
Allstate Insurance: Christine Holmes7807 W 159th St, Tinley Park, IL 60477, United States
American Family Insurance - Andy Varga10600 W 143rd St, Orland Park, IL 60462, United States
PalatineState Farm: John Villegas1590 N Rand Rd Suite M., Palatine, IL 60074, United States
Marilyn Ricken - State Farm Insurance Agent153 W Northwest Hwy, Palatine, IL 60067, United States
Allstate Insurance: Paul Dasso35 S Northwest Hwy, Palatine, IL 60074, United States
Allstate Insurance: L&T Agency Group43 W Slade St, Palatine, IL 60067, United States
Farmers Insurance - Kenneth More1460 Northwest Hwy, Palatine, IL 60074, United States
Park RidgeISU - The Machon Agency838 Busse Hwy, Park Ridge, IL 60068, United States
Allstate Insurance: Todd Gentile1 N Northwest Hwy, Park Ridge, IL 60068, United States
Allstate Insurance: Tony Barda8045 N Milwaukee Ave, # I, Niles, IL 60714, United States
Allstate Insurance: Peter F. Olson1440 Renaissance Dr #100, Park Ridge, IL 60068, United States
Farmers Insurance - Samuel Cannizzaro1314 W Touhy Ave, Park Ridge, IL 60068, United States
RiversideLiberty Mutual - Chicago, IL222 S Riverside Plaza Ste 1580, Chicago, IL 60606, United States
Oxford Auto Insurance5303 W Cermak Rd, Cicero, IL 60804, United States
Insurance Navy7333 W 25th St, North Riverside, IL 60546, United States
State Farm: Kathleen Costello8909 W Cermak Rd, North Riverside, IL 60546, United States
Allstate Insurance: Bassel Elhrisse6920 Ogden Ave, Berwyn, IL 60402, United States
SchaumburgBrad Sutter - State Farm Insurance Agent435 S Roselle Rd, Schaumburg, IL 60193, United States
John Doherty - COUNTRY Financial Representative10 W Schaumburg Rd, Schaumburg, IL 60194, United States
Allstate Insurance: Adele Knight830 E Higgins Rd, Schaumburg, IL 60173, United States
Allstate Insurance: Christian Szabo1829 W Golf Rd, Schaumburg, IL 60194, United States
American Family Insurance#201, 2010 E Algonquin Rd, Schaumburg, IL 60173, United States
SkokieHeeyoung Kim - State Farm Insurance Agent5012 Dempster St, Skokie, IL 60077, United States
AAA North Suburban Insurance7520 N Harlem Ave, Chicago, IL 60631, United States
Statewide Insurance Agency Skokie Inc.8001 Lincoln Ave #210, Skokie, IL 60077, United States
Farmers Insurance - Paul Greenslade5225 Old Orchard Rd #27b, Skokie, IL 60077, United States
InsureOne Insurance Agency1160 Dodge Ave, Evanston, IL 60202, United States
StreamwoodAllstate Insurance: Mason-Patek Agency22 Barrington Rd, Streamwood, IL 60107, United States
State Farm: Kevin Navarro223 W Irving Park Rd, Streamwood, IL 60107, United States
Magnum Insurance Agency2005 Irving Park Rd, Hanover Park, IL 60133, United States
Craig Brown - State Farm Insurance Agent694 S Barrington Rd, Streamwood, IL 60107, United States
Illinois Vehicle Auto Insurance1580 Buttitta Dr, Streamwood, IL 60107, United States
Tinley ParkAllstate Insurance: John Ghilardi8004 171st St b, Tinley Park, IL 60477, United States
Ken Anderson - State Farm Insurance Agent17121 88th Ave, Tinley Park, IL 60487, United States
Allstate Insurance: Christine Holmes7807 W 159th St, Tinley Park, IL 60477, United States
Allstate Insurance: William Ihaza7060 Centennial Dr Ste 104, Tinley Park, IL 60477, United States
Kurland Insurance Agency15040 S Ravinia Ave, Orland Park, IL 60462, United States
WheelingFarmers Insurance - Safar Dadashev350 E Dundee Rd, Wheeling, IL 60090, United States
Joan Polec Insurance Agency212 S Milwaukee Ave, Wheeling, IL 60090, United States
Carla Bondy - State Farm Insurance Agent830 S Buffalo Grove Rd #102, Buffalo Grove, IL 60089, United States
Nationwide Insurance: Susan Moore & Associates Inc1130 W Lake Cook Rd #195, Buffalo Grove, IL 60089, United States
Allstate Insurance: Mary Theodosopoulos1045 E Lake Cook Rd, Wheeling, IL 60090, United States

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.

Coverage Type

Amount Required

Bodily Injury Liability

$25,000 per person/ $50,000 per accident

Property Damage Liability

$20,000 per person

Uninsured Motorist Bodily Injury Liability

$25,000 per person/ $50,000 per accident

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. 

Coverage TypeCalifornia MinimumStudy Limits 
Bodily Liability  $25,000 per person / $50,000 per accident   $50,000 per person/ $100,000 per accident
Property Damage  $25,000 per accident  $50,000 per accident 
Uninsured/Underinsured Motorist BI $25,000 per person/ $50,000 per accident $50,000 per person/ $100,000 per accident 
Uninsured/Underinsured Motorist Property 
 
$50,000 per accident 
Comprehensive & Collision $500 Deductible 

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