The Best Chicago Car Insurance Companies 2021

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Chicago, home to about 10 million people, is the third most populated city in the United States. Add the recent boom in rideshare services like Uber and Lyft, and it’s a challenge to navigate the busy city streets.

Winters are harsh and provide unique driving challenges. Chicago drivers need to make sure their car insurance policies are up to date and meet the minimum coverage requirements for the state.

The Illinois Secretary of State contacts randomly selected owners of registered vehicles to prove they have insurance. Chicago residents without insurance will have their license plates suspended.

Chicago car insurance minimum requirements are:

  • $20,000 per person and $40,000 per accident in bodily injury liability coverage
  • $15,000 in property damage liability coverage
  • $20,000 per person and $40,000 per accident in uninsured motorist bodily injury coverage
  • $15,000 in uninsured motorist property damage coverage with a $250 deductible
  • $25,000 per person and $50,000 per accident in underinsured motorist coverage

These are the minimum coverages insurance companies in Chicago must provide. Everyone’s insurance needs are different and you should consider higher coverage if your car is new or you have other assets like a home to protect, since you’ll be responsible out-of-pocket for any damage above the minimum coverage amounts.

Top 5 car insurance companies in Chicago

We’ve picked the top car insurance companies from the J.D. Power Auto Insurance Study available in Chicago:

Westfield Insurance

Westfield Insurance ranks the highest and received five stars in overall customer satisfaction. Customers were most happy with their claims process and interaction with company employees.

The company provides insurance in 10 states and is one of the largest companies in neighboring Ohio.

The Hartford

The Hartford ranked ranked well across the board with four stars in all categories except price and billing, where they received an average rating of three stars.

They specialize in all types of vehicle insurance, including classic cars and offer special discounts to seniors who are members of the AARP. You can save on your policy by setting up paperless billing and having several insurance products through them. If you remain accident-free, you’ll receive additional discounts.

Erie Insurance

Erie Insurance also receives five stars in overall satisfaction. Policy offerings and price rank high, while billing options get an average rating of three stars. You’ll be able to get a personalized quote online through their website so you can compare car insurance costs in Chicago easily.

Erie offers unique coverages. Pet coverage (up to $500) if your pet gets hurt while in the vehicle during an accident, personal item coverage (up to $350) for damages to items in the vehicle during an accident and locksmith services if you lock yourself out are just a few.

COUNTRY Financial

COUNTRY Financial earned four stars overall with its highest score in policy offerings. Teachers, police officers and firefighters can receive special discounts.

Other unique discounts include a combined price reduction when grouping apartment rental insurance with your car insurance and Engaged Couple car insurance discount for future newlyweds.

State Farm

State Farm received four stars for overall satisfaction and rated above average across the board.

Of the 3,500 reviews at Consumer Affairs, customers appreciate most that State Farm does not automatically raise their car insurance rates when the policy renews. They also liked having a local agent to talk to whenever they have a question or may need to file a claim.

Chicago driving facts

There were nearly 100 fewer driving fatalities statewide in 2019, compared to 394 in 2018. Drivers should be extra cautious around crowded city streets. Pedestrian fatalities in Chicago have risen to 17% in 2019, mirroring a national trend.

Average car insurance cost in Chicago

The Insurance Information Institute ranks Illinois in the middle as far as car insurance prices go. The average liability coverage cost is $468 per year. Car insurance in Chicago costs more than in other Illinois cities. Prices vary greatly by driving record, ZIP code and the insurance companies in Chicago you choose.

The cheapest minimum car insurance required for a 40-year-old Chicago driver with a good driving record and good credit history is roughly $90 per month from State Farm. COUNTRY Financial also comes in at just under $100 per month.

COUNTRY Financial was the cheapest Chicago insurer we found for drivers with poor credit, at an average cost of $162 per month. State Farm came in second at  $171.

Car insurance discounts in Chicago

Car insurance companies in Chicago provide discounts when you carry multiple insurance policies, prepay the annual premium or set up paperless billing. But these discounts may not save you more than 5% on your bill.

Regularly comparison shop car insurance companies in Chicago—-even if you’re happy with your insurer—-to find the best quotes. Insurers offer different discount programs which may help you save on your monthly payment.

If you wish to save more on your car insurance payments, consider raising your deductible to a higher amount.

Frequently asked questions

What is the cheapest car insurance in Chicago?

The cheapest car insurance available in Chicago is the required minimum liability insurance:

  • $20,000 per person and $40,000 per accident in bodily injury liability coverage
  • $15,000 in property damage liability coverage
  • $20,000 per person and $40,000 per accident in uninsured motorist bodily injury coverage
  • $15,000 in uninsured motorist property damage coverage with a $250 deductible
  • $25,000 per person and $50,000 per accident in underinsured motorist coverage

Is Chicago a no-fault insurance location?

The entire state of Illinois is NOT a no-fault insurance state. Whoever is at fault in a car accident will be responsible for the percentage of damage he or she is deemed liable for.

What happens if I don’t have car insurance in Chicago?

The state randomly sends registered vehicle owners a questionnaire requesting proof of car insurance. If you fail to prove you have car insurance, your license plates will be suspended.