Compare North Chicago, IL Car Insurance Rates [2024]
Car insurance in North Chicago, IL averages $297 a month. North Chicago, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap North Chicago car insurance rates, compare quotes from the top car insurance companies in North Chicago, IL.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
UPDATED: Jul 19, 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: Jul 19, 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.
On This Page
- The cheapest car insurance company in North Chicago is Liberty Mutual
- The cheapest car insurance company in North Chicago for teen drivers is Liberty Mutual
- Average car insurance rates in North Chicago, IL are $3,564/year
If you need to buy North Chicago, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in North Chicago, IL is right here.
You’ll find North Chicago car insurance rates, the cheapest North Chicago, IL car insurance companies, and information on Illinois car insurance laws. You can also compare North Chicago, Illinois car insurance rates to Chicago car insurance rates, Naperville car insurance rates, and Rockford car insurance rates.
Ready to find affordable North Chicago, IL car insurance today? Enter your ZIP code for fast, free North Chicago car insurance quotes.
Cheapest North Chicago, IL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect North Chicago, IL car insurance rates? Every North Chicago, Illinois car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,808 | $3,825 | $3,997 | $3,997 | $9,980 | $12,918 | $4,576 | $4,940 |
| American Family | $2,495 | $2,495 | $2,292 | $2,292 | $7,227 | $9,959 | $2,495 | $3,230 |
| Farmers | $2,860 | $2,863 | $2,525 | $2,683 | $12,951 | $13,532 | $3,269 | $3,402 |
| Geico | $1,797 | $1,854 | $1,761 | $1,979 | $6,504 | $6,751 | $2,101 | $2,181 |
| Liberty Mutual | $1,347 | $1,450 | $1,116 | $1,245 | $4,688 | $5,210 | $1,408 | $1,483 |
| Nationwide | $1,907 | $1,932 | $1,703 | $1,795 | $5,303 | $6,767 | $2,229 | $2,405 |
| Progressive | $2,071 | $1,936 | $1,713 | $1,800 | $7,870 | $8,825 | $2,457 | $2,654 |
| State Farm | $1,657 | $1,657 | $1,499 | $1,499 | $5,271 | $6,642 | $1,879 | $2,180 |
| Travelers | $1,640 | $1,727 | $1,529 | $1,627 | $5,090 | $6,488 | $1,730 | $1,820 |
| USAA | $1,495 | $1,513 | $1,401 | $1,376 | $4,960 | $5,437 | $1,971 | $2,150 |
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Minimum Car Insurance in North Chicago, IL
Every driver must carry the minimum car insurance in North Chicago, IL. Take a look at the Illinois car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
Cheapest North Chicago, IL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in North Chicago, IL. Compare credit history car insurance rates in North Chicago from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,656 | $5,518 | $4,841 |
| American Family | $5,386 | $3,680 | $3,116 |
| Farmers | $6,242 | $5,275 | $5,016 |
| Geico | $5,014 | $2,438 | $1,896 |
| Liberty Mutual | $3,165 | $1,986 | $1,579 |
| Nationwide | $3,581 | $2,900 | $2,535 |
| Progressive | $4,161 | $3,550 | $3,287 |
| State Farm | $4,047 | $2,426 | $1,884 |
| Travelers | $3,283 | $2,675 | $2,161 |
| USAA | $3,358 | $2,328 | $1,928 |
Cheapest North Chicago, IL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in North Chicago, IL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,236 | $7,360 | $6,795 | $5,629 |
| American Family | $2,986 | $4,228 | $5,642 | $3,386 |
| Farmers | $4,648 | $6,013 | $5,864 | $5,518 |
| Geico | $2,103 | $3,229 | $4,663 | $2,469 |
| Liberty Mutual | $1,864 | $2,659 | $2,331 | $2,119 |
| Nationwide | $2,432 | $3,132 | $3,671 | $2,785 |
| Progressive | $3,010 | $4,511 | $3,343 | $3,800 |
| State Farm | $2,528 | $3,043 | $2,785 | $2,785 |
| Travelers | $2,140 | $2,823 | $3,171 | $2,691 |
| USAA | $1,802 | $2,610 | $3,566 | $2,174 |
Cheapest North Chicago, IL Car Insurance for Teen Drivers
Teen car insurance in North Chicago, IL can be expensive. Take a look at rates from the top car insurance companies in North Chicago for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,980 | $12,918 |
| American Family | $7,227 | $9,959 |
| Farmers | $12,951 | $13,532 |
| Geico | $6,504 | $6,751 |
| Liberty Mutual | $4,688 | $5,210 |
| Nationwide | $5,303 | $6,767 |
| Progressive | $7,870 | $8,825 |
| State Farm | $5,271 | $6,642 |
| Travelers | $5,090 | $6,488 |
| USAA | $4,960 | $5,437 |
Cheapest North Chicago, IL Car Insurance for Seniors
Take a look at North Chicago, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,997 | $3,997 |
| American Family | $2,292 | $2,292 |
| Farmers | $2,525 | $2,683 |
| Geico | $1,761 | $1,979 |
| Liberty Mutual | $1,116 | $1,245 |
| Nationwide | $1,703 | $1,795 |
| Progressive | $1,713 | $1,800 |
| State Farm | $1,499 | $1,499 |
| Travelers | $1,529 | $1,627 |
| USAA | $1,401 | $1,376 |
Cheapest North Chicago, IL Car Insurance Rates After a DUI
A DUI in North Chicago, IL increases car insurance rates. Compare North Chicago, Illinois DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,795 |
| American Family | $5,642 |
| Farmers | $5,864 |
| Geico | $4,663 |
| Liberty Mutual | $2,331 |
| Nationwide | $3,671 |
| Progressive | $3,343 |
| State Farm | $2,785 |
| Travelers | $3,171 |
| USAA | $3,566 |
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Cheapest North Chicago, IL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in North Chicago, IL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,005 | $6,005 |
| American Family | $4,009 | $4,112 |
| Farmers | $5,511 | $5,511 |
| Geico | $3,063 | $3,169 |
| Liberty Mutual | $2,243 | $2,243 |
| Nationwide | $3,005 | $3,005 |
| Progressive | $3,666 | $3,666 |
| State Farm | $2,717 | $2,853 |
| Travelers | $2,600 | $2,813 |
| USAA | $2,467 | $2,609 |
The Best Cheap Car Insurance Companies in North Chicago, IL
Take a look at a side-by-side comparison of the top car insurance companies in North Chicago, IL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,005 |
| American Family | $4,061 |
| Farmers | $5,511 |
| Geico | $3,116 |
| Liberty Mutual | $2,243 |
| Nationwide | $3,005 |
| Progressive | $3,666 |
| State Farm | $2,785 |
| Travelers | $2,706 |
| USAA | $2,538 |
Category Winners: Cheapest Car Insurance in North Chicago, Illinois
Find the cheapest car insurance companies in North Chicago, IL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Liberty Mutual |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Liberty Mutual |
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Cheapest North Chicago, IL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your North Chicago car insurance rates. Find the cheapest North Chicago, IL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,768 | $5,997 | $6,250 |
| American Family | $3,893 | $4,210 | $4,078 |
| Farmers | $5,203 | $5,357 | $5,972 |
| Geico | $2,822 | $3,110 | $3,417 |
| Liberty Mutual | $2,121 | $2,239 | $2,369 |
| Nationwide | $2,938 | $3,038 | $3,039 |
| Progressive | $3,293 | $3,654 | $4,051 |
| State Farm | $2,625 | $2,789 | $2,942 |
| Travelers | $2,508 | $2,702 | $2,909 |
| USAA | $2,331 | $2,534 | $2,749 |
What affects car insurance rates in North Chicago, Illinois?
What factors can have an impact on North Chicago, IL car insurance? There are several reasons why North Chicago car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in North Chicago, Illinois.
Commute Time in North Chicago
The more time you spend in your car the higher the risk of an accident. The average commute length in North Chicago, IL is 17.7 minutes according to City-Data.
Traffic in North Chicago
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. North Chicago, IL traffic data from INRIX ranks North Chicago as the 816th-most congested in the world.
Compare Car Insurance Quotes in North Chicago, IL
Ready to find affordable North Chicago, Illinois car insurance today? Enter your ZIP code for fast, free North Chicago, IL car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance quotes in North Chicago, IL?
To compare car insurance quotes in North Chicago, IL, you can follow these steps:
- Gather necessary information about your vehicle, such as make, model, and year.
- Prepare your personal information, including driver’s license number and driving history.
- Research reputable insurance companies that offer coverage in North Chicago, IL.
- Visit the websites of these companies or use online insurance comparison tools.
- Provide accurate information and request quotes from multiple insurers.
- Review the coverage options, deductibles, and premiums offered by each company.
- Consider factors like customer reviews, financial stability, and customer service reputation.
- Choose the insurance policy that best suits your needs and budget.
What factors influence car insurance rates in North Chicago, IL?
Several factors can influence car insurance rates in North Chicago, IL, including:
- Your age, gender, and marital status
- Your driving record and claims history
- The type of vehicle you drive and its safety features
- Your annual mileage and usage patterns
- Your credit history
- Your ZIP code and location in North Chicago, IL
- The coverage limits and deductibles you choose
Are there any specific car insurance requirements in North Chicago, IL?
In North Chicago, IL, drivers must meet the minimum car insurance requirements set by the state of Illinois. These requirements include:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $20,000 property damage liability coverage
What additional coverage options should I consider in North Chicago, IL?
While meeting the minimum requirements is mandatory, there are additional coverage options you may want to consider for enhanced protection in North Chicago, IL. These can include:
- Collision coverage: Covers damage to your vehicle caused by a collision, regardless of fault.
- Comprehensive coverage: Provides coverage for non-collision incidents like theft, vandalism, or natural disasters.
- Medical payments coverage: Pays for medical expenses for you and your passengers in case of an accident.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with an uninsured or underinsured driver.
- Rental car reimbursement: Helps cover the cost of a rental car while your vehicle is being repaired after an accident.
- Roadside assistance: Provides assistance in case of breakdowns, flat tires, or other roadside emergencies.
How can I lower my car insurance premiums in North Chicago, IL?
To potentially lower your car insurance premiums in North Chicago, IL, consider the following:
- Maintain a clean driving record and avoid accidents or traffic violations.
- Bundle your car insurance with other policies, such as homeowners or renters insurance.
- Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or good student discounts.
- Consider raising your deductibles, but make sure you can afford the out-of-pocket costs if needed.
- Install safety features in your vehicle, such as anti-theft devices or anti-lock brakes.
- Shop around and compare quotes from different insurance companies to ensure you’re getting the best rate.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
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.