When searching for the best auto insurance in Chicago, factor in your driver profile and unique needs. Westfield offers the best overall car insurance in the city, with a MoneyGeek score of 87 out of 100. The table below shows other top providers in the city.
Best Car Insurance in Chicago
Updated: December 23, 2024
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Key Takeaways
Westfield stands out as the top auto insurance company in Chicago, known for its exceptional customer service reputation.
American Family provides the best cheap car insurance in Chicago, with rates starting at just $41 per month.
American Family also offers the widest selection of add-on auto insurance coverage options in Chicago.
Best Car Insurance Companies in Chicago
| Westfield | 87 | $990 |
| American Family | 85 | $706 |
| Mercury | 79 | $881 |
| Erie | 77 | $1,202 |
| Auto-Owners Insurance Co | 77 | $839 |
*Average annual rates presented are combined averages for both minimum and full coverage for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry.
Westfield: Best Car Insurance Customer Service in Chicago
Westfield is the leading car insurance company for customer service in Chicago, earning the highest marks for overall customer experience in our study. It also ranks second among our top picks in terms of coverage options. Westfield stands out with its Wespak® insurance package, which combines home and auto insurance into a single, cost-effective policy with features like extended transportation coverage and loan/lease gap protection.
It also offers customizable auto insurance options and discounts for safety features, good drivers and multi-vehicle policies. Westfield is a top choice for Chicago drivers seeking comprehensive and tailored insurance solutions.
| Young Drivers | $532 | $2,050 | 5 |
| Drivers with Speeding Ticket | $542 | $1,802 | 5 |
| Senior Drivers | $502 | $1,472 | 6 |
| Adult Drivers | $461 | $1,519 | 6 |
| Drivers with Accident | $711 | $2,159 | 6 |
| Bad Credit Drivers | $839 | $2,697 | 6 |
| Drivers with DUI | $1,284 | $3,623 | 12 |
American Family: Best Cheap Car Insurance in Chicago
American Family is the most affordable car insurance provider in Chicago. It offers various savings opportunities for Chicago drivers, including discounts for safe driving, bundling auto and home insurance and insuring multiple vehicles.
It also offers savings for students with good grades, young drivers completing a defensive driving course and customers who pay their premiums in full. These discounts make American Family a great option for budget-conscious drivers seeking affordable coverage.
| Young Drivers | $536 | $986 | 2 |
| Drivers with Speeding Ticket | $599 | $1,134 | 3 |
| Senior Drivers | $501 | $897 | 2 |
| Adult Drivers | $494 | $918 | 3 |
| Drivers with Accident | $583 | $1,112 | 1 |
| Bad Credit Drivers | $878 | $1,629 | 4 |
| Drivers with DUI | $599 | $1,134 | 2 |
American Family: Best Car Insurance Coverage Options in Chicago
American Family stands out in Chicago with its unique and flexible coverage options designed to meet diverse driver needs. In addition to standard coverages like liability and collision, it offers add-ons such as accidental death and dismemberment coverage, gap insurance for leased or financed vehicles and emergency roadside assistance. Its "KnowYourDrive" program rewards safe driving habits with discounts, helping drivers save while staying protected.
| Young Drivers | $536 | $986 | 2 |
| Drivers with Speeding Ticket | $599 | $1,134 | 3 |
| Senior Drivers | $501 | $897 | 2 |
| Adult Drivers | $494 | $918 | 3 |
| Drivers with Accident | $583 | $1,112 | 1 |
| Bad Credit Drivers | $878 | $1,629 | 4 |
| Drivers with DUI | $599 | $1,134 | 2 |
How to Find the Best Car Insurance in Chicago
While we've showcased our top car insurance recommendations for Chicago, taking additional steps is key to find the provider that best fits your needs. Below, we've outlined key actions to help you secure the best deal.
Figure Out What Coverage You Need
Insurance companies and agents may push for higher coverage levels to boost their profits. Knowing the coverage you truly need before you start shopping can prevent overspending and make comparing prices easier. Use our car insurance coverage calculator to get started.
Research Average Costs
Knowing the average cost of car insurance in Illinois and in your area, tailored to your driving profile and coverage needs, can help you better understand your potential savings.
Take Advantage of Discounts
Taking a state-approved defensive driving course in Illinois can help you save up to 10% on your auto insurance, regardless of your driving profile. Make sure to explore available car insurance discounts to identify which ones you qualify for and which insurers provide them.
Compare Multiple Providers
Comparing multiple quotes is essential for securing the lowest car insurance rates. Costs can vary depending on how you search, whether through a captive agent, online tools, independent brokers or comparison websites. Use our car insurance cost calculator to easily get estimates from major providers and compare quotes in one place.
Best Car Insurance Chicago: Bottom Line
Westfield, American Family and Mercury rank as the top car insurance providers in Chicago, Illinois. American Family stands out as the best choice for budget-conscious drivers with its affordable rates. To find the right provider, compare options, evaluate coverage that suits your needs and review rates tailored to your driving profile.
Best Auto Insurance in Chicago: FAQ
Here are our expert answers to commonly asked questions about the top car insurance options in Chicago:
Who is the most reputable car insurance company in Chicago, IL?
Our analysis identifies Westfield as the leading car insurance provider in Chicago, earning the highest customer service ratings in the city.
Who offers the cheapest car insurance in Chicago?
American Family provides the cheapest auto insurance in Chicago, with rates starting at $494 per year for minimum coverage and $917 per year for full coverage. This is 2% more expensive on minimum coverage but 21% cheaper on full coverage compared to the state average.
How much does car insurance cost in Chicago?
In Chicago, the average monthly cost of car insurance is approximately $40 for minimum coverage and $96 for full coverage. These averages are based on a 40-year-old driver with good credit and a clean driving record. However, rates can vary widely, ranging from $41 to $302 per month, depending on your unique driving profile.
Best Car Insurance Companies in Chicago: Our Methodology
MoneyGeek’s car insurance scoring system incorporates original research on provider rates, hand-collected data on available coverages and aggregated surveys on customer satisfaction and claims experience. Chicago auto insurance rates are derived from MoneyGeek’s analysis of quotes data from Quadrant Information Services.
MoneyGeek’s Scoring System
We assessed Chicago car insurance companies based on the factors that matter most to potential consumers, such as affordability, claims processing, essential coverages and customer satisfaction. We also evaluated financial stability to determine an insurer’s track record of paying claims.
Using our MoneyGeek scoring system, we assigned weights to each of these factors:
- Overall customer satisfaction (35%)
- Affordability (30%)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
We adjusted affordability ratings as needed based on a sample driver’s driving record or age.
Qualitative judgments were made when specific providers offered coverages that competitors did not.
Chicago Driver Profile
Our analysis incorporated quotes for a range of drivers, including teens and individuals in their 20s, 40s and 60s, all driving a 2012 Toyota Camry LE. Sample drivers in this guide have a clean driving record unless stated otherwise.
Coverage Levels in Chicago
We gathered car insurance quotes for both minimum and full coverage policies. Minimum coverage policies adhered to the minimum requirements mandated by Texas law:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
- $25,000 uninsured/underinsured per person
- $50,000 uninsured/underinsured per accident
We used the following limits for a full coverage policy:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.