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.