How to Find Cheap Chicago Car Insurance Quotes
Chicago is the third largest city in the United State by population. The city is located on Lake Michigan and is known for its windy weather and cold winters. Chicago was founded as a port city in 1833 and quickly grew into a large metropolitan area. The city is now known for its iconic architecture, sports teams and academic institutions.
If you’re looking to compare auto insurance quotes in Chicago, InsuranceQuotes tools can help you find the most affordable car insurance policy costs. With just a few clicks, you can access a wide range of quotes from both national and local insurance providers. Using these tools is not only convenient but also saves you time and money. When it comes to finding the best car insurance rates online fast, rely on InsuranceQuotes to compare the cheapest quotes fast
How Much Does Auto Insurance Cost in Chicago, IL?
- State Minimum Liability: You can expect to pay $83 a month or $991 a year.
- Full Coverage: You can expect to pay $296 a month or $3,552 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Chicago – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who is the Cheapest Auto Insurance Provider in Chicago?
- In Chicago the cheapest average auto insurance providers are State Farm, Farm Bureau and Allstate.
- State minimum liability car insurance starts at $53 a month or $635 a year.
- Full coverage car insurance starts at $169 a month or $2,025 a year.
Here is a breakdown of average costs from the cheapest local insurance providers in Chicago from our data set of used-car drivers who are single, middle aged and have a clean driving record.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Country Preferred | $635 | $53 | $2,025 | $169 |
| Progressive | $743 | $62 | $2,268 | $189 |
| State Farm | $839 | $70 | $2,628 | $219 |
| GEICO | $991 | $83 | $3,524 | $294 |
| Allstate | $1,204 | $100 | $4,387 | $366 |
Minimum Car Insurance Requirements in Illinois
Though you may need higher coverage, here are the minimum car insurance requirements in Illinios are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
These are the minimum coverage limits required by the state. However, it’s important to note that these limits may not be sufficient for all situations, and you may want to consider higher coverage limits or additional coverage options for better protection.
Insurance requirements can change, so it’s advisable to check with the Illinois Department of Insurance or consult with an insurance agent for the most up-to-date information and to tailor coverage to your specific needs.
Illinois Car Insurance Cost Saving Tips
To save money on your auto insurance in Illinois, Insurance quotes suggests you review the following tips:
- Shop Around: Use Insurance Quotes to compare quotes from different insurance providers to find the best rates. Prices can vary, so it’s essential to explore your options.
- Bundle Your Policies: If you have multiple insurance needs, such as home and auto insurance, bundling them with the same provider can often lead to discounts.
- Good Driving Records: Safe driving habits can lead to lower premiums. Avoid accidents and traffic violations to maintain a clean driving record.
- Increase Your Deductibles: Consider raising your deductibles, which can lower your premium. Just ensure that you can afford the higher out-of-pocket costs if you need to make a claim.
- Drive Less: Some insurance companies offer discounts for low-mileage drivers. If you can, use public transportation or carpool to reduce your mileage.
- Ask About Discounts: Inquire about available discounts, such as good student discounts, safe driver discounts, or discounts for taking defensive driving courses.
- Good Credit Scores: In Illinois insurers may use your credit scores to determine overall policy rates. Maintaining a good credit score may help lower your car insurance costs.
- Drive a Safer Car: Safety features on your vehicle may lead to lower premiums. Check with your insurance provider to see if your car’s safety features qualify for discounts.
- Review Your Coverage Regularly: Periodically reassess your coverage needs. If your circumstances change, you may be eligible for different discounts or need to adjust your coverage.
- Loyalty Discounts: Some insurers offer discounts for long-term customers. Check if there are loyalty rewards for staying with the same insurance company.
Driving Conditions in Chicago
The sheer size of Chicago makes it a magnet for heavy traffic congestion and angry commuters. Urban mobility reports reveal that commuters in Chicago spend over 70 hours stuck in traffic every year. There are over five hours per day that are considered peak hours for travel on highways around the metropolitan area.
Unique Laws in Chicago
Among the unusual laws in Illinois: You’re supposed to notify the police when you enter a city in a car, and you’re prohibited from hanging “obstructions” from a rearview mirror, such as fuzzy dice or air fresheners.
Chicago Driving Safety Requirements
Helmet laws
Illinois does not require motorcycle operators or passengers to wear a helmet. The state also does not mandate helmets for bicycle operators or passengers, except bicycle delivery people.
Distracted driving law
Illinois law prohibits the use of all handheld devices while driving; however, hands-free technology such as Bluetooth and speakerphones is allowed. State law also bans texting while driving. Fines for violations start at $75.
Impaired Driving Law
For drivers 21 and over, the legal limit for blood alcohol concentration (BAC) for driving while intoxicated (DUI) is 0.08 percent. For commercial drivers, it’s 0.04 percent. It drops to zero percent for school bus drivers and drivers under 21.
A first-time DUI offense leads to at least a one-year loss of full driving privileges, a possible jail term of up to one year and a maximum fine of $2,500. A second-time offender faces a minimum five-year loss of full driving privileges, a mandatory five-day jail term or 240 hours of community service, a possible jail term of up to one year and a maximum fine of $2,500. For a third-time offense, the penalties are a minimum 10-year loss of full driving privileges, mandatory imprisonment of 18 months, possible imprisonment of up to seven years and a maximum fine of $25,000.
Having auto insurance is not only helpful but also required by law in Chicago. For a free Chicago car insurance quote and to see comparable coverage rates, fill out the form on this page. At Cheap Car Insurance, we work hard to help you find and compare the insurance services you need.
