Car Insurance Quotes in Chicago
Chicago is the third largest city in the United States with a population of nearly three million people. With thousands of restaurants, hundreds of theatres and many major league sports teams, you can always find something to do in the Windy City.
As you drive around, you can have peace of mind knowing you’re protected with
car insurance from the AARP
® Auto Insurance Program from The Hartford.
1 We’ve earned a reputation for trust and integrity. You can count on us because of our high customer ratings for claims customer service. To get a car insurance quote for Chicago, give us a call at
888-413-8970 or
get an online quote in minutes.
Average Car Insurance Cost in Chicago
The average car insurance cost for Chicago drivers is $2,150 per year for full coverage. This is much higher than the average cost in Illinois of $1,485 per year and the national average of 1,674 per year for full coverage.
2 Car insurance in Chicago is more expensive because big cities with high populations could make you more at risk for car accidents, theft and damage.
Your car insurance quote in Chicago is based on more than where you live. There are several individual factors that go into your
average car insurance cost, like your credit score, driving history and driver profiles for those on your policy. You’ll get lower car insurance rates in Chicago if you have a clean driving record. Even if you have poor credit, we can still help you find other discounts you may qualify for.
Does Chicago Require Car Insurance?
Auto insurance requirements are different from state to state depending on where you live. The minimum liability coverages for car insurance in the state of Illinois are:3
Although these are the minimum requirements for Chicago drivers, everyone’s insurance needs are different. Remember, the lowest rate isn’t always the best option for car insurance in Chicago. Cheap car insurance might meet the minimum requirements, but not be enough
car insurance coverage for your needs. Explore all your options to ensure you get the full coverage car insurance that will best protect you in case of an accident.
What Happens If You Don't Have Car Insurance in Illinois?
You might be tempted to avoid the expense of car insurance premiums. However, driving without the minimum insurance coverage is against the law for Chicago drivers. If you are found to not have car insurance, your registration will be suspended. You would then need to pay a fee of $100 to reinstate your vehicle’s registration. If you are in a car accident or stopped for a traffic violation and don’t have car insurance, you’ll be fined a minimum of $500.4
Get a Quote for Auto Insurance in Chicago Today
Wherever you live in Chicago’s 50 wards and 100 neighborhoods, we’ll help you get the customized car insurance coverage you need for your individual protection. Our free quotes are quick and easy. Call The Hartford today at
888-413-8970 or get an
online quote for auto insurance in Chicago.
Learn More About Illinois Car Insurance
Even if you don’t live in Chicago, we can still help you with
Illinois car insurance. We’ve been protecting AARP members and their families across the United States since 1984 in cities and towns like:
- Aurora
- Joliet
- Naperville
- Rockford
- Springfield
Last Updated: January 10, 2025
2 Bankrate, “Average cost of car insurance in Illinois for 2021”
3 Illinois Department of Insurance, “Auto Insurance Shopping Guide”
4 Illinois Department of Insurance, “Mandatory Insurance”