Chicago Auto Insurance Rates, Quotes, Agents & Reviews in IL

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.

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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 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 Farm
Dramatically lower your monthly payment. No salesman will call. See rates now! Detailed Policy Coverage. Compare Now & Then Renew. Agents Always On Standby.
Allstate
Offerings are not very different when compared to other insurance providers. The difference is in the customer service and my company has been good.
State Farm
They are a top notch company, who employs top notch people. Every claim has been handled with grace and professionalism. I would highly recommend.
Allstate
The policy offerred by my car company is very good. It gives full coverage with average deductible. It also offers on road assistance.
Farmer's Insurance
The premium was again a bit cheaper than other companies with similar plans. The deductibles lined up with other similar companies.
Progressive
I liked the way I can custom my coverage and I dont need to call anyone for that.
Progressive
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American National Property And Casualty Company
This 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 Farm
I 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 Insurance
I 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 Insurance
I 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 Farm
I 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 Insurance
I like the cheap prices plus they wish with you on payments