Average car insurance cost in Chicago, Illinois

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

At $2,373 per year, Chicago drivers pay $435 more than the state average and $205 less than the national average for full coverage car insurance.

Travelers holds the lowest average rate at $1,700, while your own premium comes down to your age, driving record, and coverage level.

Here’s how Chicago’s average rate compares to state and national averages:

How much car insurance do you need in Chicago?

Chicago law requires liability coverage for you to legally hit the road, but full coverage gives you stronger protection because it pays for your own car, not just the other driver’s.

Liability only covers damage you cause to others. Without full coverage, an accident, theft, or falling tree branch means you pay for your own car’s damage. Here’s what each coverage level costs per year and what it includes:

• State minimum coverage: $656 per year – Limits of $25,000 bodily injury per person, $50,000 total bodily injury per accident, $25,000 property damage. The lowest coverage level allowed by law.
• Liability only coverage: $740 per year – Limits of $50,000 bodily injury per person, $100,000 total bodily injury per accident, $50,000 property damage. Pays for others’ injuries and property damage when you’re at fault but doesn’t cover your own vehicle.
• Full coverage: $2,373 per year – Limits of $100,000 bodily injury per person, $300,000 total bodily injury per accident, $100,000 property damage. Combines liability with collision and comprehensive, so your own car is covered too.
• Non-owners coverage: $601 per year – Liability coverage for people who drive but don’t own a car.

What are the cheapest car insurance companies in Chicago?

Nobody beats Travelers’s full coverage price in Chicago at $1,700 a year. GEICO comes in second at $2,031. These figures assume limits of $100,000 bodily injury per person, $300,000 per accident, and $100,000 property damage.

Rates swing from company to company, so getting several quotes can help you land on an insurer that fits your budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Chicago.

Do men or women pay more for car insurance in Chicago?

Male drivers in Chicago average $2,389 per year for full coverage car insurance,which is $31 more than female drivers at $2,358 per year.

Insurers in most states use gender as a rating factor. California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania block this practice.

The Insurance Information Institute (Triple-I), a nonprofit that researches insurance trends, reports that women are involved in fewer serious accidents than men. Insurers price that risk difference into premiums, which is why men pay more for car insurance.

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

How does age affect car insurance rates in Chicago?

Teen drivers pay the most for car insurance in Chicago, averaging $6,901 per year, or $575 per month. Rates drop as drivers gain experience – young adults ages 20 to 24 average $3,816 per year, adults 25 to 55 average $2,421 per year, and seniors 60 to 75 average $2,352 per year.

According to Insurance Institute for Highway Safety (IIHS), teen drivers — between the ages of 16 to 19 — have crash rates over 3 times those of drivers 20 and older per mile driven. Insurers factor this risk in, pushing teen car insurance rates higher.

As drivers get older and gain experience, premiums typically go down. Young adults ages 20 to 24 pay $3,816 per year – 45% what teen drivers pay.

Below is a breakdown of average annual full coverage car insurance rates by age group.

How have car insurance rates changed in Chicago?

Since 2023 to 2025, Chicago premiums have gone upward, moving by 29%, or $528.

A rising premium is worth a second look. When renewal season comes around, shop around to find a rate that fits your budget.

The graph below tracks insurance costs from 2022 to 2025, showing the long-term trend behind today’s rates.

Methodology

Insure.com commissioned car insurance rates in 2026 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 65,756,440 auto insurance quotes collected in 2025 across 51 states, 29,159 cities and 34,595 zip codes. Quotes came from 195 insurance companies across 73 company groups, giving a national average annual premium of $2,578.

Each quote reflects a 40-year-old male and female driver with a Honda Accord LX, no violations and a good insurance score, driving 10,000 miles a year with a 12-mile daily commute. Coverage includes:

• 100/300/100 liability limits (up to $100,000 per person and $300,000 per accident for bodily injury, and $100,000 for property damage)
• $500 deductible for collision and comprehensive

The quoted insurance rates are for comparison purposes, and your rates may vary.

Alisha Ambre

 

 . .

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.