Get car insurance quotes in Chicago, Illinois
Auto Insurance in Chicago
Switching from another auto insurer to GEICO could save you money. Here are some of the benefits of switching to GEICO:
- Chicago car insurance rates are competitive compared to other cities in Illinois.
- Here for you whenever you need us! Through our mobile app, we're here for you 24 hours a day
- Get a quick and free auto policy estimate from an insurer online
- Great customer service
- We're local agents who specialize in answering car owners' auto policy questions.
Chicago has the highest number of cars registered in Illinois and is the second largest city in the country. Due to the large numbers of vehicles on the road, accidents are common. That’s why it’s vital to have reliable vehicle insurance in Chicago. GEICO offers affordable insurance coverage for drivers in the area. You can obtain a free auto insurance quote online right now.
The minimum insurance coverage requirements for car owners in Illinois include liability
If you live in Chicago, you must ensure that your vehicle has at least $50,000 worth of liability coverage.
- Bodily injury liability insurance: $25,000 for each person injured and $50,000 for any one accident.
- Personal injury protection (PIP): $10,000
- If you're injured by an uninsured driver, you may be able to recover up to $25,000 for each person who was injured
- UM/UIM Property Damage Coverages: $15,000 per person/$25,000 total ($250
Everyone has their own unique insurance requirements. Use our Coverage Calculator to see if we recommend coverage for you.
Illinois Car Insurance Discounts
If you're looking for Illinois driver's coverage, you may want to consider GEICO. You might be eligible for some discounts on your vehicle policy. These include:
- New Vehicle Discount
- Defensive Driving Discount
- Military Discount
- Multi-policy Discount
To learn how to save more with GEICO car insurance discounts, please visit our site.
Driving in Chicago
To get to the city centre from the airport, take the highway going towards downtown. During peak hours (rush hour), expect traffic delays.
Avoid crossing streets during rush hours unless you're willing to risk being struck by an errant car. Take the scenic routes around busy intersections, such as those along Lake Shore Drive. You'll get great views of Chicago's lakefront and downtown skyline.
If you're planning a trip to Chicago, you can get around without having to worry about getting lost thanks to an efficient public transport network. Buses and trams run frequently through the city centre, and the underground metro runs every five minutes during peak times. Tramlines connect the Loop to O'Hare airport, the University of Illinois campus, Lake Shore Drive, and the Museum Campus. You can travel between these areas easily via the CTA Blue Line, Red Line, Orange Line, Brown Line, Green Line, Pink Line, Purple Line, and Yellow Line.
There are lots of things to see in Chicago.
Chicago has some of the widest streets in North America. It alleviates the feeling of claustrophobia common in other large American cities.
Drive down North Michigan Avenue and you may come across the Magnificent Mile. From the Chicago River to Oak St., it's known as Chicago's largest shopping district and is home to some famous landmarks, including the John Hancock Center, Wrigley Building, Tribune Tower.
Chicago Winter Driving
Driving during winter weather conditions in Chicago can be dangerous. Consider taking some precautions before you head out into the city.
- Drive carefully and slowly
- Make sure there’s enough room for the plow truck to maneuver
- Have an emergency winter survival pack in your car
Chicago Insurance Agents
We have dedicated insurance agent across the greater Chicago area who are ready to help you find an affordable auto insurance policy. You can contact us anytime day or night via phone, email, or our mobile application. Our customer service representatives are standing by to assist you with your needs.
Get more info on car insurance in Illinois
If you want to learn more about Illinois auto insurance policies, please visit our Illinois auto insurance webpage. You'll find useful information about topics such as required coverages and Illinois teenage driver laws.
Chicago, IL Car Insurance
Drivers in Chicago typically spend an average of $52 per month on car insurance. You can learn more about what you might be paying by reading our guide below.
What is the cost of car insurance in Chicago?
You can check out the table above for yourself. It shows that insuring your car in Chicago is roughly the same price as insuring it elsewhere in Illinois.
Car insurance rates in Chicago are less expensive than the national median. The cost per month in Chicago is about $29 lower than the nationwide figure.
Your rates might vary from what you're seeing now, but we can tell you why they might differ. Factors like your gender, vehicle make and type, driving history, your driver's license status, and even your personal financial situation can all play into your monthly premium.
But don't be worried. We've broken down the average rates for Chicago residents by various factors so that you can know exactly what you'll pay each month. If you aren't sure which plan is best for you, just enter your zip code below and learn!
Average Car Insurance Rates by
As you get older, experience matters when it come to car insurance rates. Drivers under 18 years old pay more than drivers aged 25 and older.
Your rate may go down every few years, but once you reach retirement age, your rates may increase again.
On average, men pay slightly more for auto insuarance thando female drivers. However, in Chicago, there is no difference between maleand female drivers' monthly premiums.
The average auto insurance rates for each driving record category are listed below.
Rates can vary wildly based on your driving history. Those without any moving violations will see monthly rates between $55-$65 per month. Those with an accident or two will see rates closer to $60 per month. For those with multiple citations, rates could rise to $70 or higher.
Whenever you're driving, whether you're in an accident, ticketed for speeding, or otherwise breaking the law, your car insurer will charge you more.
Average Insurance Rates by
For inexpensive car insurance, most people opt for trucks and vans because they're cheaper than cars.
Car owners typically spend between $50 and $60 each month for auto insurance.
Vehicle age also affects your insurance rate. Generally, older carsare going to cost more to insure. Once your vehicle is about five years old,however, your prices might begin to drop back down again. In Chicago, the mostexpensive cars to cover are those between 2 and 3 years old.
Your insurance rate depends on how much money your insurer thinks you're worth. In general, older cars are more valuable to insurers because they're more likely to suffer damage and require repairs. Older cars can also be harder to steal, so they're less attractive targets for thieves. Insurance companies factor these things into their calculations when setting your premium.
By Relationship Status, average car insurance rates vary widely.
Married drivers tend to be older than single drivers, so they're likely to drive fewer miles per year. As a result, their premiums are lower.
Single drivers pay more for insurance in Chicago than married people.
Average car insurance rates for different housing situations
Another important factor to consider is whether you're renting or owning your home or apartment. If you're renting, expect to be paying a bit more per month than if you were buying. On the other hand, if you're living at home, you may be able to save quite a bit by staying there instead of moving out.
Many companies will give you a discount if you bundle your homeowners or rental policies with your car insurance.
Because Chicago has different weather conditions than other cities, its auto insurance prices are different from other areas.
As a result, there are numerous variables that affect your autoinsurer’s rate calculation. Some of these variables are based on where you live.
- On-site (or “in-house”
- Total number of cars in the area
- Crime Rates by State
- Road safety
Being aware of the various costs associated with insurance policiesis important for anyone who wants to buy one. Insurance companies often vary theirrates by city, so knowing which ones offer better coverage at lower prices is key.
How can I find cheap car insurances in Chicago?
Knowing the average cost of different types of cars helps you when talking to insurance companies. You can't really know for sure what your rates will be until you request quotes from multiple insurers.
But hold up! You don't need to compare.com. Just enter your zip code here, answer some simple questions about your driving profile and you'll get cheap auto insurance rates from loads of different providers.
Chicago Insurance FAQs
Factors affecting insurance rates include:
Insurance quotes are calculated by taking multiple variables into account, from things you can't control (like your age and marital status) to things you can (like your driving record).
Why is the price of car insurance in Chicago so high compared to other neighboring cities?
Insurance companies consider local driving conditions when setting car insurance premiums. These include things like where you park your car, whether there is an accident history in the neighborhood, and if there are any traffic violations nearby.
Which car insurance provider offers me the best price for auto coverage in Chicago?
There isn't just one company that offers the best rates for everybody. Factors like your driver's license history, the number of people on your policy, and vehicle make and type, among other things, are considered by most insurers. To get the lowest rate, you may want to look up quotes online using websites like www.comparesmallbusiness.com.
If I move to Chicago, do I need to change my health care plan?
When moving to a new city, or experiencing any other major life events such as marriage or having children, it's usually a good time to review your current insurance policies. Some insurance providers may offer bigger discounts in certain cities, so it's best to use comparison websites to compare quotes from dozens of different insurance providers at once.
If I want to change insurance companies, do I need to be insured by the new company before I can get coverage?
You don't need to stick with one company for life. If you're moving to another city or haven't been comparing prices lately, you might want to take 10 minutes and check out Compare.com.