Chicago, IL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Chicago, IL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Chicago, IL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Chicago, IL Auto Insurance Rates
- Chicago, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Chicago, IL
- Multi Vehicle Insurance Savings in Chicago, IL
- How Credit Score Affects Car Insurance Rates in Chicago, IL
- How DUI Affects Auto Insurance Premiums in Chicago, IL
- Top Auto Insurance Agents Near Chicago, IL
- How Driving Violations Affect Auto Insurance Rates in Chicago, IL
- Chicago, IL Auto Insurance Discounts on Anti Theft Feature
- Chicago, IL Auto Insurance Company Reviews
Chicago, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Chicago, IL with that of other cities in and around Chicago.
| Chicago | Forest View | Berwyn | Cicero | Cook County | Stickney | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,154 | $1,251 | $1,259 | $1,354 | $998 | $1,256 |
Chicago, IL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Chicago, IL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Chicago | $1,864 | $1,575 |
| Cicero | $1,306 | $1,103 |
| Cook County | $1,268 | $1,071 |
| Forest View | $1,480 | $1,250 |
| Berwyn | $2,040 | $1,723 |
| Stickney | $2,228 | $1,882 |
| Oak Park | $1,925 | $1,626 |
| Forest Park | $1,619 | $1,368 |
Chicago, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Chicago, IL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,745 |
| 20 Years | $1,483 |
| 30 Years | $1,142 |
| 40 Years | $1,099 |
| 50 Years | $1,018 |
| 60 Years | $1,032 |
| 70 Years | $1,201 |
Chicago, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Chicago, IL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,031 | $277 |
| 3 Vehicles | $3,047 | $415 |
| 4 Vehicles | $4,062 | $554 |
Savings on 2 Vehicles bundle:$277
Savings on 3 Vehicles bundle:$415
Savings on 4 Vehicles bundle:$554
Chicago, IL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Chicago, IL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Chicago | $1,154 | $1,873 |
| Cicero | $1,354 | $2,198 |
| Cook County | $998 | $1,620 |
| Forest View | $1,251 | $2,031 |
| Berwyn | $1,259 | $2,044 |
| Stickney | $1,256 | $2,039 |
| Oak Park | $1,278 | $2,075 |
| Forest Park | $1,424 | $2,312 |
Chicago, IL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $990 |
| Excellent (740-799) | $1,130 |
| Good (670-739) | $1,202 |
| Average (580-669) | $1,569 |
| Poor (300-579) | $1,882 |
Chicago, IL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Saul Lopez | State Farm | 6737 W Belmont Ave, Chicago, 60634-4648 | 773-993-0763 |
| Mike Riordan | State Farm | 6538 W Archer Ave, Chicago, 60638-2439 | 773-586-4448 |
| Armando Guzman | State Farm | 5009 W Cermak Rd, Cicero, 60804-2934 | 708-656-5100 |
| Lakeview Insurance Agency Ltd | Erie | 3438 N. Southport Avenue, Chicago, 60657 | (773) 796-6374 |
| Midwest Group Insurance Agency Inc. | Erie | 2853 W Diversey Avenue Suite A, Chicago, 60647 | None |
| Alper Services Llc | Travelers | 60 W SUPERIOR ST, CHICAGO, 60654 | 312-642-1000 |
| Insurance Center Of Chicago Llc | None | 3035 W Irving Park Rd, Chicago, 60618 | None |
| Juan Wheat | State Farm | 1338 S Halsted St, Chicago, 60607-5022 | 773-277-2900 |
| Wirtz Insurance Agency Inc | Travelers | 680 N Lake Shore Dr 680 N Lake Shore Dr, Chicago, 60611 | None |
| Nelson Insurance Group, Llc | None | 521 S Lagrange Rd., Ste 207 Lagrange, La Grange, 60525 | None |
| Preston Lewis | Farmers | 10735 S Western Ave Ste 6, Chicago, 60643 | (773) 233-7290 |
Chicago, IL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$51 | $1,205 |
| Driver's Failure In Showing Documents | +$112 | $1,266 |
| Driving With An Expired Registration | +$119 | $1,273 |
| Driving At A Considerably Slow Pace | +$250 | $1,404 |
| Using A Cellphone While Driving | +$264 | $1,418 |
| Running A Red Light | +$269 | $1,423 |
| Speeding | +$283 | $1,437 |
| Driving A Vehicle Without The Required Permission | +$359 | $1,513 |
| Driving With An Expired/Suspended License | +$778 | $1,932 |
Chicago, IL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,108 |
| Active Disabling Device | $1,108 |
| Tracking Device | $1,085 |
| Passive Disabling Device | $1,073 |
Latest Auto Insurance Reviews in Chicago, IL | Back to Top
State FarmDramatically lower your monthly payment. No salesman will call. See rates now! Detailed Policy Coverage. Compare Now & Then Renew. Agents Always On Standby.
AllstateOfferings are not very different when compared to other insurance providers. The difference is in the customer service and my company has been good.
State FarmThey are a top notch company, who employs top notch people. Every claim has been handled with grace and professionalism. I would highly recommend.
AllstateThe policy offerred by my car company is very good. It gives full coverage with average deductible. It also offers on road assistance.
Farmer's InsuranceThe premium was again a bit cheaper than other companies with similar plans. The deductibles lined up with other similar companies.
ProgressiveI liked the way I can custom my coverage and I dont need to call anyone for that.
ProgressivePermission is hereby granted to use, copy and distribute these materials as presented in this Web site and without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.
American National Property And Casualty CompanyThis is the first time I feel I have a personal relationship with my agent. I can call, text, or email him anytime and get a quick response.
State FarmI like that the company pays for your roadside assistance service. That way you dont have to pay upfront and then turn in receipts and wait for payments.
Alfa InsuranceI do not like the company that at the time of new insurance do not provide the necessary service to communicate with insurance customers
The General Auto InsuranceI do not have to contact them often, but when I do, it's usually via phone. Wait time is not very long and customer service is friendly. What I don't like, as of the last time I checked, they do not offer chat on the Website.
State FarmI like that I can call my local provider and talk to them about any concerns or problems. I also like that I can call the claims line and speak with a person and not an automated system.
The General Auto InsuranceI like the cheap prices plus they wish with you on payments