For a 40-year-old driver with a clean record, Chicago car insurance averages about $250 a month ($2,994 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 24% above the Illinois average of $201 a month. Full-coverage averages in Chicago run from about $134 to $422 a month across the four major insurers we compared (Allstate, Country Financial, GEICO and Progressive).
Chicago is one of the most expensive places to insure a car in Illinois, and Cook County is the most expensive of the 83 Illinois counties we price. Our benchmark driver pays about $49 a month more here than the state average and about $67 a month more than in Naperville.
Our data covers 52 ZIP codes with a Chicago mailing address. They range from about $202 a month in 60614 and 60657 to $305 in 60624, so where you live in the city can matter as much as which insurer you pick.
Cost data comes from the auto rates insurers file with state regulators, priced across all 52 Chicago ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Chicago, IL?
Full coverage in Chicago averages $2,994 a year, or about $250 a month, for our benchmark driver. Liability-only coverage at 20/40/15 limits averages $977 a year ($81 a month), and 50/100/50 liability with comprehensive and collision averages $2,883 ($240 a month).
- Full coverage (100/300/100, $500 deductibles): $2,994 a year ($250 a month)
- 50/100/50 with $500 deductibles: $2,883 a year ($240 a month)
- Liability only (20/40/15): $977 a year ($81 a month)
- Cook County: $2,763 a year ($230 a month) for full coverage
- Illinois average: $2,406 a year ($201 a month) for full coverage
- ZIP code range: $202 (60614 and 60657) to $305 (60624) a month for full coverage
Cheap Car Insurance in Chicago: Companies Compared
- Full-coverage range: about $134 to $422 a month across the four insurers in our rate data, for the same driver and car.
- Liability only (20/40/15), among the four major insurers we compared: Progressive and GEICO, effectively tied at about $69 a month each.
- State Farm (Nov. 2025 rates)*: about $293 a month for full coverage, from its November 2025 rates.
- Also on our list: Travelers at about $170 a month, USAA at $191, AAA at $214, Erie at $236 and Auto-Owners at $237 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $422 a month.
Progressive’s Chicago average, about $134 a month, is 35% below Country Financial’s ($205), a lead wide enough that we show the range instead of naming a single cheapest insurer. Among the published 2026 statewide Illinois rate studies we reviewed, the pick for cheapest full coverage is split between Travelers and GEICO. For liability-only coverage at 20/40/15 limits, Progressive and GEICO are effectively tied for the lowest average among these four insurers, at about $69 a month each.
Full-coverage averages by insurer in Chicago
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/15 (Yearly): | Liability Only 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $825 | $69 | $1,602 | $134 |
| Country Financial | $899 | $75 | $2,460 | $205 |
| GEICO | $833 | $69 | $2,850 | $238 |
| Allstate | $1,352 | $113 | $5,063 | $422 |
| State Farm (Nov. 2025 rates)* | $1,016 | $85 | $3,515 | $293 |
| Travelers* | $1,152 | $96 | $2,039 | $170 |
| USAA (military families)* | $909 | $76 | $2,295 | $191 |
| AAA* | $1,140 | $95 | $2,570 | $214 |
| Erie Insurance* | $634 | $53 | $2,828 | $236 |
| Auto-Owners* | $799 | $67 | $2,846 | $237 |
| Chicago average | $977 | $81 | $2,994 | $250 |
This table uses Chicago ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Chicago Car Insurance Rates by ZIP Code
Across the 52 Chicago ZIP codes we price, full coverage for our driver ranges from about $202 a month in 60614 and 60657 to $305 in 60624, a gap of $1,239 a year. North Side lakefront ZIP codes such as 60614 and 60657, in Lincoln Park and Lakeview, are the least expensive in our data, and West Side ZIP codes such as 60623, 60624 and 60644 are the most expensive.
Lowest-priced Chicago ZIP codes
Highest-priced Chicago ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Chicago’s average.
| ZIP Code: | Liability Only 20/40/15 (Yearly): | Liability Only 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 60601 | $896 | $75 | $2,493 | $208 | -17% |
| 60605 | $925 | $77 | $2,624 | $219 | -12% |
| 60607 | $904 | $75 | $2,765 | $230 | -8% |
| 60608 | $912 | $76 | $2,894 | $241 | -4% |
| 60609 | $968 | $81 | $3,247 | $271 | +8% |
| 60610 | $894 | $75 | $2,551 | $213 | -15% |
| 60611 | $894 | $75 | $2,554 | $213 | -15% |
| 60612 | $966 | $81 | $3,204 | $267 | +7% |
| 60613 | $929 | $77 | $2,649 | $221 | -12% |
| 60614 | $886 | $74 | $2,420 | $202 | -19% |
| 60615 | $913 | $76 | $2,711 | $226 | -10% |
| 60616 | $926 | $77 | $2,862 | $239 | -4% |
| 60617 | $1,022 | $85 | $3,343 | $279 | +12% |
| 60618 | $953 | $79 | $2,660 | $222 | -11% |
| 60619 | $1,041 | $87 | $3,387 | $282 | +13% |
| 60620 | $1,049 | $87 | $3,485 | $290 | +16% |
| 60621 | $1,028 | $86 | $3,603 | $300 | +20% |
| 60622 | $904 | $75 | $2,785 | $232 | -7% |
| 60623 | $1,046 | $87 | $3,609 | $301 | +20% |
| 60624 | $1,059 | $88 | $3,658 | $305 | +22% |
| 60625 | $986 | $82 | $2,806 | $234 | -6% |
| 60626 | $1,005 | $84 | $2,890 | $241 | -4% |
| 60628 | $1,041 | $87 | $3,467 | $289 | +16% |
| 60629 | $1,000 | $83 | $3,189 | $266 | +6% |
| 60630 | $1,000 | $83 | $2,824 | $235 | -6% |
| 60631 | $992 | $83 | $2,751 | $229 | -8% |
| 60632 | $978 | $82 | $3,028 | $252 | +1% |
| 60633 | $999 | $83 | $3,275 | $273 | +9% |
| 60634 | $1,009 | $84 | $2,888 | $241 | -4% |
| 60636 | $1,032 | $86 | $3,588 | $299 | +20% |
| 60637 | $1,048 | $87 | $3,426 | $286 | +14% |
| 60638 | $1,002 | $84 | $2,823 | $235 | -6% |
| 60639 | $1,040 | $87 | $3,461 | $288 | +15% |
| 60640 | $961 | $80 | $2,716 | $226 | -10% |
| 60641 | $994 | $83 | $2,847 | $237 | -5% |
| 60642 | $905 | $75 | $2,800 | $233 | -7% |
| 60643 | $998 | $83 | $3,097 | $258 | +3% |
| 60644 | $1,041 | $87 | $3,635 | $303 | +21% |
| 60645 | $1,012 | $84 | $2,854 | $238 | -5% |
| 60646 | $1,003 | $84 | $2,811 | $234 | -6% |
| 60647 | $942 | $79 | $2,710 | $226 | -10% |
| 60649 | $1,044 | $87 | $3,559 | $297 | +19% |
| 60651 | $1,040 | $87 | $3,588 | $299 | +20% |
| 60652 | $1,000 | $83 | $3,158 | $263 | +5% |
| 60653 | $972 | $81 | $3,163 | $264 | +6% |
| 60654 | $892 | $74 | $2,546 | $212 | -15% |
| 60655 | $988 | $82 | $2,843 | $237 | -5% |
| 60656 | $992 | $83 | $2,760 | $230 | -8% |
| 60657 | $887 | $74 | $2,419 | $202 | -19% |
| 60659 | $1,017 | $85 | $2,920 | $243 | -3% |
| 60660 | $1,000 | $83 | $2,850 | $238 | -5% |
| 60661 | $899 | $75 | $2,474 | $206 | -18% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Chicago?
Raising liability limits from 50/100/50 to 100/300/100 adds about $111 a year on average in our Chicago data, with the same $500 deductibles. That’s about $9 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Progressive charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Chicago?
Not for our benchmark driver. Comparing the same insurers in the same Chicago ZIP codes, full coverage averaged $3,200 a year nine months earlier and $2,994 in rates as of Aug. 31, 2026, a 6.4% drop. Allstate’s Chicago average rose 1.5%, but Progressive’s fell 23.2%, Country Financial’s 8.7% and GEICO’s 6.0%. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/15 limits fell 0.8%, led by GEICO, which cut its liability-only average 4.7%.
Why Does Car Insurance Cost More in Chicago?
Cook County averages about $230 a month for full coverage in our data, the highest of any Illinois county. The collar counties cost much less: DuPage County averages $187, Lake County $188, Will County $194 and Kane County $180.
Some south suburbs cost even more than the city: Markham averages about $288 a month, Dolton $286 and Harvey $278. North of the city, Evanston averages $199. The Illinois Department of Insurance lists where you live among the factors insurers use, so neighboring cities can be priced differently.
How Chicago Car Insurance Compares With Other Illinois Cities
More Illinois cities and towns are in the Illinois rates by city table, and you can compare states on our car insurance rates by state page.
Cicero, on the city’s western border, averages $261 a month, and Evanston, about 12 miles north, $199. Naperville averages $183 and Joliet $199.
What Car Insurance Is Required in Chicago?
Drivers in Chicago follow Illinois’ rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $20,000 per crash
- Uninsured motorist coverage of $25,000 per person and $50,000 per crash, for injuries
Underinsured motorist coverage is required only if you buy uninsured motorist limits above the minimum, and uninsured motorist property damage coverage is optional. Our Illinois requirements guide covers the details and what happens if you can’t prove coverage.
How to Lower Your Car Insurance Rate in Chicago
- Compare Progressive and Country Financial first. They have the two lowest full-coverage averages among the four major insurers we compared in Chicago, about $134 and $205 a month.
- Quote several insurers. In our Chicago data, the lowest and highest insurer averages are about $288 a month apart for the same driver and car.
- Ask about uninsured motorist property damage. Illinois insurers must offer it, with a deductible of no more than $250, and you can buy it with or without collision coverage. It pays for damage an uninsured driver does to your car.
- Compare at every renewal. Over the past nine months, Progressive has cut its Chicago average 23.2%, Country Financial 8.7% and GEICO 6.0%, while Allstate has raised its average 1.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Chicago, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Chicago Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 208 full-coverage premiums from four insurers across 52 Chicago ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Illinois averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/15 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Illinois’ minimum has been 25/50/20 since January 2015, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Illinois rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Illinois law and the Illinois Department of Insurance. We refresh these figures when new rate data is released.
Chicago Car Insurance FAQ
For our benchmark driver, full coverage in Chicago averages about $250 a month ($2,994 a year) and liability-only coverage at 20/40/15 limits about $81 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 24% above the Illinois average of $201 a month.
It depends on the coverage. For full coverage, averages in Chicago run from about $134 to $422 a month across the four major insurers we compared, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage at 20/40/15 limits, Progressive and GEICO are effectively tied for the lowest average among the four major insurers we compared. The published 2026 statewide Illinois rate studies we reviewed are split between Travelers and GEICO as the cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Chicago full coverage averages about $250 a month, 24% above the Illinois average. Cook County is the most expensive of the 83 counties we price, and prices are highest on the West Side, at about $305 a month in 60624.
In our data, 60614 and 60657 share the lowest full-coverage average in Chicago, at about $202 a month, and 60624 the highest, at about $305. The ZIP code table on this page lists all 52.
In our Chicago data, full coverage (100/300/100 with $500 deductibles) averages about $250 a month and liability-only coverage at 20/40/15 limits about $81, a difference of about $169 a month ($2,017 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Illinois law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Chicago full coverage fell 6.4% over the past nine months, from about $3,200 to $2,994 a year. Progressive cut its Chicago average 23.2%, Country Financial 8.7% and GEICO 6.0%, while Allstate raised its average 1.5%. Liability-only coverage at 20/40/15 limits fell 0.8%.
For our benchmark driver, full coverage in Chicago averages about $250 a month. Nearby, Cicero averages about $261, Berwyn about $231 and Evanston about $199. Berwyn and Evanston are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
