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Last updated: June 30, 2025
Best Cheap Car Insurance in Chicago, Illinois
State Farm offers some of the cheapest policies in Chicago at $1,588 annually for full coverage and $572 annually for minimum coverage.
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Key Takeaways
- Chicago is the most expensive city in Illinois for car insurance. Full coverage policies cost an average of $2,186 per year in the city, while minimum coverage costs an average of $832 annually.
- State Farm, Travelers, and Auto-Owners have the most affordable average rates in Chicago, while COUNTRY Financial and USAA, along with State Farm, are the best for customer service.
- The rates provided here are citywide averages, and the cheapest quote you receive will depend on individual factors like your driving record, age, and vehicle.
Cheapest Full Coverage Car Insurance in Chicago
State Farm offers the cheapest full coverage auto insurance rates in Chicago at $1,588 per year on average — that’s 27 percent less than the citywide average. Travelers, Auto-Owners, and USAA also have below-average rates.
| Company | Annual Chicago Average | Monthly Chicago Average |
|---|---|---|
| State Farm | $1,588 | $132 |
| Travelers | $1,619 | $135 |
| Auto-Owners | $1,644 | $137 |
| USAA | $1,647 | $137 |
| COUNTRY Financial | $1,838 | $153 |
| Progressive | $2,180 | $182 |
| GEICO | $2,263 | $189 |
| Allstate | $3,794 | $316 |
| Chicago average | $2,186 | $182 |
| Illinois average | $1,799 | $150 |
| U.S. average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Chicago
For minimum coverage, Auto-Owners has the best rates in Chicago, with an average annual premium of $528 per year — that’s 37 percent cheaper than the city average. State Farm and COUNTRY Financial have the next cheapest rates for minimum coverage.
Best Cheap Providers in Chicago
State Farm, COUNTRY Financial, and USAA offer below average auto insurance rates as well as excellent customer satisfaction, making them top choices for drivers in Chicago. State Farm and USAA are also among our best picks for Illinois.
Here’s a look at how they stack up:
State Farm
- Why we chose it: State Farm provides the reliability of a large national insurer along with personalized service provided by their network of local agents. They also offer the cheapest average full coverage rates in Chicago. State Farm scored above average on J.D. Power’s most recent Auto Insurance Study as well as on the 2024 Claims Satisfaction Study.
- Who it’s best for: Customers who prefer working with local agents and safe drivers who are looking for the cheapest rates. Note that State Farm does not offer accident forgiveness or gap coverage unless you finance your loan with State Farm Bank.
RELATED:
Check out our comparison of State Farm vs. USAA.
| Category | State Farm | Difference From Chicago Average |
|---|---|---|
| Full coverage | $1,588 | -27% |
| Minimum coverage | $572 | -31% |
COUNTRY Financial
- Why we chose it: COUNTRY Financial is a regional insurer based in Illinois and has consistently high customer satisfaction ratings. The company ranked fourth in the North Central region, which includes Illinois, on J.D. Power’s most recent Auto Insurance Study. COUNTRY also has a B- rating from the CRASH Network. In addition, COUNTRY receives fewer customer complaints than average, with a National Association of Insurance Commissioners (NAIC) Complaint Index of 0.87. While they don’t offer the cheapest rates in Chicago, average premiums are still below average.
- Who it’s best for: COUNTRY Financial offers more than just insurance products — they also provide various financial services, such as retirement accounts. It’s a good option for customers who prioritize customer service and would like to take advantage of the company’s financial offerings in addition to insurance.
| Category | Country Financial Average | Difference From Chicago Average |
|---|---|---|
| Full coverage | $1,838 | -16% |
| Minimum coverage | $635 | -24% |
USAA
- Why we chose it: USAA provides financial products and services designed specifically for the military community. The company consistently earns the highest scores on J.D. Power studies, although they technically don’t meet the study criteria to be ranked, likely due to their membership requirement. They also have auto insurance rates that are well below average in Chicago.
- Who it’s best for: Those who are eligible for membership, including active service members, veterans, and their families. Note that USAA did not score as well on CRASH Network’s Insurer Report Card, so customers may have a better experience working with a direct repair (“in-network”) body shop.
| Category | USAA Average | Difference From Chicago Average |
|---|---|---|
| Full coverage | $1,647 | -25% |
| Minimum coverage | $647 | -22% |
Summary
| Report | What it measures | State Farm score | Country Financial score | USAA score |
|---|---|---|---|---|
| J.D. Power Auto Insurance Study – North Central region1 | Customer satisfaction regionally, based on responses from over 40,000 customers | 665 out of 1,000 – 13 points above average | 665 out of 1,000 – 13 points above average | 726 out of 1,000 – 74 points above average* |
| CRASH Network Insurer Report Card2 | Claims handling and payment practices, based on an annual survey of collision repair shops | C- | B- | D+ |
| J.D. Power Claims Satisfaction Study3 | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | 710 out of 1,000 – 13 points above average | Not rated, likely due to size (national survey) | 726 out of 1,000 – 29 points above average |
| NAIC Complaint Index | Consumer complaints relative to market share. The lower the score, the better — 1 is considered average. | 2.13 | 0.87 | 2.74 |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to their eligibility restrictions.
Honorable mentions
Auto-Owners
Auto-Owners offers the cheapest average minimum coverage rates in Chicago and below-average rates for full coverage. They also generally have great customer service ratings, including an NAIC Complaint Index of 0.94 and a CRASH Network Report Card rating of B. However, they ranked below average on J.D. Power’s study for the North Central region with a score of 646.
Erie
Erie is another regional provider with an excellent customer service reputation. They ranked first in the North Central region in J.D. Power’s Auto Insurance study and third in J.D. Power’s nationwide Claims Satisfaction Study. Erie also has a rating of A- from the CRASH Network, earning them a spot on the Honor Roll and ranking sixth out of 97 providers. Average Chicago pricing data isn’t available for Erie, but nationally they fall well below the average, so we recommend getting a quote from the company as you shop around.
How Many Car Accidents Happen in Chicago?
In 2024, there were 112,032 car accidents in Chicago, which caused 123 deaths.4 This was the year with the third-most accidents on record. The month with the most accidents was May, with 10,738 accidents, while February had the least: 7,800.
Fatalities from traffic accidents have steadily declined since 2021, with deaths in 2024 decreasing by 17 percent compared to the year prior. However, accident-related injuries increased by 10 percent year over year.
Western Avenue and Pulaski Road are some of the most dangerous roadways in the city based on the number of crashes that take place there, so be extra careful when driving in those areas.
Minimum Auto Insurance Requirements in Illinois
According to state law, Illinois drivers must carry auto insurance with at least the following limits:
- Bodily Injury Liability: $25,000 per person/$50,000 per accident
- Property Damage Liability: $20,000 per accident
- Uninsured/Underinsured Motorist: $25,000 per person/$50,000 per accident5
If you can afford to, we recommend getting higher liability limits as well as full coverage, which will cover damage to your own vehicle.
FYI:
According to the Insurance Information Institute, Illinois has the 13th highest rate of uninsured drivers in the country.6 Uninsured/underinsured motorist coverage is important, as it will cover you if you get into an accident caused by an uninsured driver. Learn more about the penalties for driving without insurance in Illinois.
FAQs
Is there cheaper insurance than Progressive?
On average, there is cheaper insurance than Progressive in Chicago. Progressive has an average rate of $2,180 per year for full coverage in the city, and several companies, including State Farm and COUNTRY Financial, have cheaper average rates. However, your rate will depend on your driving record among many other factors, so always get multiple quotes.
How much is car insurance in Chicago per month?
Car insurance in Chicago costs an average of $182 per month for full coverage and $69 per month for minimum coverage. However, your rates may differ from the average and will depend on various factors, including your driving history and age.
What factors influence the cheapest auto insurance rates in Chicago?
Several factors influence the cheapest auto insurance rates in Chicago. Keep in mind that the cheapest overall rates are averages based on aggregated data, and the cheapest rate you’re quoted will depend on individual factors such as your driving record, age, ZIP code, and credit history. Drivers over 30 with clean records and good credit will pay the least for car insurance, on average.
How does Auto-Owners compare to other insurance companies in terms of customer service?
Auto-Owners is generally one of the most highly rated insurance companies in terms of customer service. It ranks 14th on the CRASH Network Insurer Report Card with a score of B, beating out many other Illinois insurers. The company also has a Complaint Index of 0.94 from the NAIC, indicating that they receive fewer than average complaints nationwide. However, Auto-Owners ranks below average in J.D. Power’s Auto Insurance Study for the North Central region, indicating that their customer service reviews may be a bit more mixed in the Illinois area.
Methodology
We analyzed average premiums for full and minimum coverage in Chicago, Illinois, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
We assess customer satisfaction and claims practices through third-party sources such as J.D. Power, CRASH Network, and the National Association of Insurance Commissioners (NAIC).
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, Jun 5).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 CRASH Network Insurer Report Card. CRASH Network. (2024).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyChicago Accident Statistics (2025). Power Rogers, LLP. (2025, Mar 18).
https://www.powerrogers.com/blog/2025/03/chicago-accident-statistics-2025/Mandatory Insurance: A Guide for Illinois Vehicle Owners. Illinois Secretary of State. (2023).
https://www.ilsos.gov/publications/pdf_publications/vsd361.pdfFacts + Statistics: Uninsured motorists. Insurance Information Institute (III). (2023, Nov).
https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
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