🚗 Car insurance cost in Chicago, IL (2027)
Estimated average: $2,288 per year — +6% vs. the U.S. average of $2,150.
With about 2,664,452 residents, Chicago is a major metro and the largest city in Illinois. Car insurance rates here are estimated at $2,288 per year, above the Illinois average of $2,043 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Chicago with other Illinois cities.
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Chicago car insurance FAQ
How much is car insurance in Chicago, IL?
The estimated average is $2,288 per year — above the state average (+12% vs. the Illinois average of $2,043, and +6% vs. the U.S. average).
Is car insurance more expensive in Chicago than elsewhere in Illinois?
Chicago has about 2,664,452 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Chicago?
Compare at least three quotes from insurers active in Chicago, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.