Finding the most affordable car insurance in Chicago can be overwhelming, especially with numerous factors affecting the rates. Fortunately, you can simplify this process by comparing different providers. In this guide, you’ll discover which companies offer the cheapest car insurance in Chicago, categorized by age, driving record, and other essential factors.
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Overview of the Cheapest Car Insurance in Chicago
Firstly, you’ll be pleased to know that Country Financial offers the lowest average car insurance rate in Chicago at $1,221 annually. This rate is just slightly below the average statewide cost of car insurance in Illinois, which is $1,266 per year. Conversely, Allstate has the highest average rate at $3,238 annually.
Sample Rates for Car Insurance in Chicago
| Company | Average Annual Rate |
| Country Financial | $1,221 |
| Progressive | $1,367 |
| Auto-Owners | $1,403 |
| Travelers | $1,415 |
| USAA | $1,494 |
It’s important to note that these rates are samples. Therefore, your actual car insurance costs will vary based on several factors, including your age, location, and driving history.
Car Insurance for Different Demographics
Teen Drivers
Country Financial offers the lowest car insurance rates for 17-year-old drivers. The annual average rate is $2,952 for females and $3,299 for males. These rates are significantly lower than Chicago’s average rates for teenagers, which are $5,496 per year for females and $6,548 for males.
| Company | 17-Year-Old Female | 17-Year-Old Male |
| Country Financial | $2,952 | $3,299 |
| Erie | $3,177 | $3,804 |
| Auto-Owners | $3,202 | $4,343 |
| Geico | $4,383 | $4,913 |
| State Farm | $4,485 | $5,614 |
Young Adults
For 25-year-old single drivers, Travelers has the lowest average rates in Chicago, with $1,524 per year for females and $1,602 for males. These rates are well below the average for young adults in Chicago.
| Company | 25-Year-Old Female | 25-Year-Old Male |
| Travelers | $1,524 | $1,602 |
| Country Financial | $1,540 | $1,634 |
| Progressive | $1,709 | $1,712 |
| Auto-Owners | $1,720 | $1,740 |
| State Farm | $1,764 | $2,040 |
Adults
Country Financial also offers the lowest average rates for married 35-year-old drivers in Chicago. Women can expect to pay $1,075 annually, while men pay $1,109.
| Company | 35-Year-Old Female | 35-Year-Old Male |
| Country Financial | $1,075 | $1,109 |
| Progressive | $1,291 | $1,257 |
| Auto-Owners | $1,295 | $1,295 |
| USAA | $1,314 | $1,331 |
| Mercury | $1,345 | $1,380 |
Seniors
For 60-year-old married drivers, Country Financial provides the lowest rates at $970 annually for females and $1,000 for males.
| Company | 60-Year-Old Female | 60-Year-Old Male |
| Country Financial | $970 | $1,000 |
| Mercury | $1,082 | $1,122 |
| Progressive | $1,103 | $1,132 |
| Travelers | $1,174 | $1,246 |
| Auto-Owners | $1,185 | $1,185 |
Car Insurance for Different Driving Records
Good Drivers
If you have a clean record, Country Financial offers the lowest average rate at $1,221 per year.
| Company | Clean Record |
| Country Financial | $1,221 |
| Progressive | $1,367 |
| Auto-Owners | $1,403 |
| Travelers | $1,415 |
| USAA | $1,494 |
After a Speeding Ticket
Auto-Owners has the lowest average rate for drivers with a speeding ticket at $1,560 annually.
| Company | With 1 Speeding Violation |
| Auto-Owners | $1,560 |
| Country Financial | $1,612 |
| Erie | $1,739 |
| State Farm | $1,776 |
| Progressive | $1,846 |
After an Accident
If you have an accident on your record, Auto-Owners offers the lowest rate at $1,802 annually.
| Company | With 1 Accident |
| Auto-Owners | $1,802 |
| Country Financial | $1,827 |
| State Farm | $1,931 |
| Travelers | $1,997 |
| Erie | $2,168 |
After a DUI
Progressive offers the lowest rate for drivers with a DUI at $1,532 annually.
| Company | With 1 DUI |
| Progressive | $1,532 |
| State Farm | $1,776 |
| Country Financial | $1,902 |
| Mercury | $2,128 |
| Travelers | $2,203 |
Special Cases
Military Families
USAA provides the cheapest rates for military families, though specific data isn’t available. If you have a military affiliation, USAA is an excellent option to consider.
Drivers with Poor Credit
Country Financial offers the lowest rates for drivers with poor credit, at $1,838 annually.
| Company | Poor Credit |
| Country Financial | $1,838 |
| Travelers | $2,211 |
| Mercury | $2,224 |
| Progressive | $2,370 |
| USAA | $2,510 |
Minimum and High Coverage Rates
Minimum Coverage
For minimum coverage, Country Financial has the lowest rate at $1,238 annually.
| Company | Minimum Coverage |
| Country Financial | $1,238 |
| Progressive | $1,299 |
| Auto-Owners | $1,331 |
| Travelers | $1,346 |
| Geico | $1,381 |
High Coverage
For high coverage, Country Financial also offers the lowest rate at $1,330 annually.
| Company | High Coverage |
| Country Financial | $1,330 |
| Progressive | $1,430 |
| Auto-Owners | $1,453 |
| Travelers | $1,495 |
| Mercury | $1,566 |
Understanding your options and comparing quotes is essential to find the best car insurance rates in Chicago. Country Financial consistently offers some of the lowest rates across various demographics and situations. Consequently, comparing these rates with other providers can help you find a policy that meets your needs and budget.