Cheapest car insurance in Chicago, Illinois
Illinois requires minimum liability coverage of 25/50/20, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.
Pulled directly from carrier rate filings for this city.
Chicago is one of the larger markets Open Rate Index tracks, with 2,665,039 residents and enough filed volume to keep the spread below stable month to month. Insurers are moderately spread out in Chicago, about 16% between the cheapest and priciest filed rate, so shopping around still moves the number. On average, drivers here pay about 23% less than the national baseline we track.
Chicago is priced against 3 insurers for the 25-55 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.
Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.