Best Chicago, IL Car Insurance in 2024
Progressive, Geico, and State Farm stand out as the best Chicago, IL car insurance, featuring rates starting at just $70 per month. These insurance providers deliver affordable yet inclusive coverage, making them perfect for those in search of discounts and reliable protection tailored to their driving needs.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Progressive leads the pack for the best Chicago, IL car insurance, with competitive rates starting for as low as $70 per month for comprehensive coverage.
Alongside Geico and State Farm, they offer affordable rates and comprehensive coverage options designed to meet your specific driving needs.
Our Top 10 Company Picks: Best Chicago, IL Car Insurance
Company Rank Safe Driver Discount A.M. Best Best For Jump to Pros/Cons
#1 30% A+ Bundling Policies Progressive
#2 26% A++ Competitive Rates Geico
#3 30% A++ Multi-Policy Discounts State Farm
#4 20% A+ Comprehensive Policies Allstate
#5 20% A Extensive Coverage Liberty Mutual
#6 15% A Specialized Coverage Farmers
#7 10% A Personalized Policies American Family
#8 23% A++ Customized Policies Travelers
#9 10% A+ Customer Service Nationwide
#10 15% A Safe-Driving Discounts AAA
- Progressive offers competitive rates, starting at $70 per month
- Safe driving and defensive vehicles can reduce costs with best car insurers
- Tailored options and discounts guarantee the best car insurance in Chicago, IL
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#1 – Progressive: Top Overall Pick
Pros
- Tailored Coverage Plans: As outlined in our Progressive car insurance review, Progressive offers personalized coverage options designed for automobiles.
- Competitive Pricing: Progressive provides cost-effective rates, ensuring affordability for policyholders.
- Discount Opportunities: Progressive offers a range of discount options, including those specifically tailored for automobiles.
Cons
- Claims Processing: Some individuals may encounter delays or complications during the claims process with Progressive.
- Restricted Discount Availability: Progressive may not provide as many discount options as some of its competitors.
#2 – Geico: Best for Competitive Rates
Pros
- Innovative Coverage Offerings: Geico introduces unique coverage options such as Accident Forgiveness and Deductible Rewards, adding significant value to policies.
- User-Friendly Technological Solutions: Geico’s intuitive mobile apps and online tools simplify policy and claims management for customers.
- Financial Stability: Geico’s strong financial standing ensures policyholders have a dependable and secure insurance provider.
Cons
- Possibly Elevated Premiums: Some customers may perceive Geico’s premiums to be marginally higher compared to those of other insurers.
- Mixed Reviews on Customer Service: While many clients report positive experiences, our Geico insurance review highlights occasional challenges with claims processing.
#3 – State Farm: Best for Multi-Policy Discounts
Pros
- Discount Options: State Farm offers a variety of discount opportunities to its customers.
- Financial Security: State Farm benefits from the backing of a financially stable corporation.
- Outstanding Customer Support: State Farm is well-known for its responsive and user-friendly customer service.
Cons
- Coverage Limitations: Certain driving needs may not qualify for policy add-ons with State Farm. For more details, refer to our State Farm car insurance review.
- Claims Processing: Individuals may face delays or complications during the claims process with State Farm.
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#4 – Allstate: Best for Comprehensive Policies
Pros
- Discount Opportunities: Allstate offers customized discount options for individuals.
- Financial Security: Allstate benefits from the support of a financially stable corporation.
- Exceptional Customer Support: Allstate is well-known for its prompt and easily accessible customer service.
Cons
- Coverage Restrictions: Certain additional policy features may not fully address individuals’ needs. Consult our Allstate car insurance review for guidance.
- Claims Processing: Individuals may experience delays or challenges when processing claims with Allstate.
#5 – Liberty Mutual: Best for Extensive Coverage
Pros
- Customized Policies: Liberty Mutual offers personalized coverage options for auto insurance.
- Competitive Prices: Liberty Mutual provides affordable rates.
- Exceptional Customer Service: Liberty Mutual is widely recognized for its responsive and user-friendly service.
Cons
- Restricted Membership: Membership with Liberty Mutual is limited to military personnel, veterans, and their families.
- Limited Availability: Liberty Mutual’s availability may vary by location. For more information, refer to our Liberty Mutual car insurance review.
#6 – Farmers: Best for Specialized Coverage
Pros
- Customized Policies: Farmers, as highlighted in our Farmers car insurance review, tailors coverage to individual needs.
- Affordable Premiums: Farmers offers competitively priced car insurance.
- Discount Opportunities: Farmers provides a range of discounts, including those for auto insurance policies.
Cons
- Restricted Accessibility: Farmers primarily operates through local agents, which may not be readily available in all areas.
- Coverage Restrictions: Certain additional coverage options may not fully satisfy policyholders’ needs.
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#7 – American Family: Best for Personalized Policies
Pros
- Innovative Coverage Offerings: American Family provides unique coverage options, such as Accident Forgiveness and Deductible Rewards, offering additional value to policyholders.
- User-Friendly Technological Tools: With intuitive mobile apps and online platforms, American Family simplifies policy and claims management for its customers.
- Solid Financial Standing: American Family’s strong financial stability ensures policyholders have a dependable and secure insurance provider.
Cons
- Possibly Higher Premiums: Some customers may perceive American Family’s premiums as slightly elevated compared to those of other insurers.
- Mixed Reviews on Customer Service: While many customers report positive experiences, our American Family insurance review indicates some challenges with claims processing reported by certain individuals.
#8 – Travelers: Best for Customized Policies
Pros
- Cost-Effective Pricing: Our Travelers car insurance review highlights competitive rates that are wallet-friendly.
- Flexible Coverage Choices: Travelers offers personalized policy options to suit individual needs.
- Discount Opportunities: Travelers provides an array of discounts, including those tailored specifically for automobiles.
Cons
- Restricted Local Representation: Travelers primarily conducts business online and via telephone, limiting in-person agent availability.
- Coverage Restrictions: Certain policy enhancements may not entirely address the requirements of vehicles.
#9 – Nationwide: Best for Customer Service
Pros
- Diverse Coverage Options: Nationwide provides a wide array of coverage options, enabling customers to customize policies to their specific needs.
- Deductible Reduction Program: Nationwide offers a Vanishing Deductible program that incentivizes safe driving by gradually reducing deductibles over time.
- Membership Savings: Nationwide offers discounts for various affiliations and memberships, making insurance more affordable for specific groups.
Cons
- Mixed Customer Satisfaction: Customer satisfaction ratings for Nationwide vary, with some customers reporting average experiences, as highlighted in our Nationwide insurance review.
- Variable Premiums: Premium rates may fluctuate depending on location and individual profiles, potentially affecting overall affordability.
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#10 – AAA: Best for Safe-Driving Discounts
Pros
- Customized Policies: AAA offers personalized coverage options for automobiles in Chicago, IL.
- Competitive Rates: AAA provides cost-effective pricing. Start your affordability assessment with our AAA car insurance review.
- Discount Programs: AAA provides various discount opportunities, including those tailored for automobiles.
Cons
- Limited Local Agent Availability: AAA primarily functions through local agents, which may not be universally accessible.
- Coverage Limitations: Some policy enhancements may not fully meet the needs of automobiles.
The Cost of Car Insurance in Chicago
Driving in Chicago
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Military Members and Veterans
Hybrid and electric vehicles provide insurance savings, but Chicago’s military members, families, and veterans can also enjoy car insurance discounts. Providers like Allstate, Farmers, Geico, Liberty Mutual, MetLife, Safeco, and USAA offer such benefits, including car insurance discounts for military members.
However, discount eligibility and amounts may vary, so it’s essential to inquire with your agent for specific details. Taking advantage of these discounts can help you save on car insurance premiums while honoring your service to the country. Enter your ZIP code to start comparing.
Unique Chicago Laws
The Bottom Line
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Frequently Asked Questions
How much does car insurance cost in Chicago, IL?
The cost of car insurance in Chicago, IL can vary depending on several factors, including your age, driving record, type of vehicle, coverage limits, and the insurance company you choose.
Additionally, factors specific to Chicago, such as the high population density, traffic congestion, and crime rates, can impact insurance rates. To get an accurate estimate, it’s advisable to request quotes from multiple insurance providers.
What are the minimum car insurance requirements in Chicago, IL?
Are there any additional coverage options to consider for car insurance in Chicago, IL?
While liability coverage is the minimum requirement, there are several additional coverage options to consider for car insurance in Chicago, IL. These options include collision coverage, which helps cover repairs or replacement of your vehicle in the event of an accident, comprehensive coverage, which covers damages from non-collision incidents like theft or natural disasters, uninsured/underinsured motorist coverage, and personal injury protection.
It’s important to evaluate your individual needs and risks to determine the appropriate coverage options for you.
How can I find affordable car insurance in Chicago, IL?
To find affordable car insurance in Chicago, IL, it’s recommended to compare quotes from different insurance providers. Additionally, you can take advantage of discounts that insurance companies offer, such as multi-policy discounts, good driver discounts, discounts for safety features in your vehicle, and discounts for completing defensive driving courses.
Working with an independent insurance agent who is familiar with the Chicago area can also help you find the best coverage options at competitive rates. Enter your ZIP code.
Are there any specific considerations for car insurance in Chicago, IL?
What are the minimum requirements for insurance coverage in the state of Illinois?
Should I purchase extra coverage for my antique or classic car?
What are the minimum requirements to operate a food truck in Chicago?
Do I need special insurance to drive for a rideshare company?
If you want to drive for a rideshare company you should definitely talk to your car insurance company first. After that, you should check with the rideshare company to see what their insurance coverage requirements are.
Once you know what the rideshare company can offer you in the way of coverage you will be better informed to speak with your agent again and purchase the right amount of coverage to cover you and your passengers in case of an accident.
How does age and gender affect car insurance rate in Chicago?
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
