Car Insurance in Chicago
Numbers refreshed
Car insurance in Chicago rests on Illinois averages, and on how people there drive.
- $115Full coverage, at the Illinois average per month.
- 25/50/20.The state's minimum limits.
What drivers around the Chicago area pay
Full coverage in Illinois averages $1,383 each year, while legal minimum coverage averages $649. In a big city, prices usually sit above the state average: traffic is heavier, claims happen more often, and theft is more common.
| Coverage in Illinois | Per year | Per month |
|---|---|---|
| Liability | $649 | $54 |
| Collision | $473 | $39 |
| Comprehensive | $261 | $22 |
| Full coverage (all three) | $1,383 | $115 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Driving within Chicago
| Census figure | Chicago |
|---|---|
| People | 2,711,226 |
| Average trip to work | 33 minutes |
| Drive to work alone | 45% |
| Homes with no car | 27% |
| Median household income | $77,902 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Your personal estimate
The Illinois calculator sets a price using your age, record and car. The state's rules are covered on Illinois car insurance requirements.
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