Chicago Car Insurance (2025 Rates + Cheap Cost Comparisons)

How much does auto insurance cost in Chicago? Not only do we find the overall cheapest cars, trucks, and SUVs to insure, we break them out by vehicle segment to truly find the cheapest car insurance in Chicago.

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How much does Chicago car insurance cost?

Average car insurance rates in Chicago cost $2,550 per year, or around $213 per month. When compared to the overall national average rate, Chicago car insurance cost is 13.8% more expensive per year.

In the state of Illinois, the average cost of car insurance is $2,262 per year, so the cost in Chicago averages $288 more per year. When prices are compared to other locations in Illinois, the average cost to insure a vehicle in Chicago is approximately $426 per year more expensive than in Naperville, $366 per year more than in Rockford, and $402 per year more expensive than in Aurora.

The age of the driver makes a big difference in the cost of car insurance, so the list below illustrates this point by showing average car insurance rates in Chicago for drivers from age 16 to 60.

Average car insurance rates in Chicago for drivers age 16 to 60

  • 16 year old – $9,081 per year or $757 per month
  • 17 year old – $8,798 per year or $733 per month
  • 18 year old – $7,884 per year or $657 per month
  • 19 year old – $7,180 per year or $598 per month
  • 20 year old – $5,130 per year or $428 per month
  • 30 year old – $2,722 per year or $227 per month
  • 40 year old – $2,550 per year or $213 per month
  • 50 year old – $2,260 per year or $188 per month
  • 60 year old – $2,116 per year or $176 per month

The chart below shows different average Chicago car insurance rates for a number of different driver ages, physical damage coverage deductibles, and driver risk profiles.

Average car insurance rates in Chicago for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Chicago for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Chicago includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Chicago, IL
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,864$489
Safe Driver Age 20$5,130$428
At-fault Accidents Age 40$3,608$301
Low Deductibles Age 40$3,336$278
Safe Driver Age 30$2,722$227
Safe Driver Age 40$2,550$213
Safe Driver Age 50$2,260$188
High Deductibles Age 40$2,146$179
Safe Driver Age 60$2,116$176
Discount Rate Age 40$2,116$176

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

Average rates in the chart range from $2,116 per year for a middle-aged driver who qualifies for a cheap discount rate to $5,864 per year for a 20-year-old driver with a history of violations and/or at-fault accidents. The rate used in this article for comparison of different models and locations is the 40-year-old safe driver rate, which is an average cost of $2,550 per year.

As a monthly expense, the average cost of auto insurance in Chicago ranges from $176 to $489 for the same annual rate data shown in the chart above.

Auto insurance rates can cost significantly different amounts and can change frequently. Since the chances of having many different rates is high, this emphasizes the need for accurate free car insurance quotes when looking for the cheapest car insurance in Chicago.

The prior rates take all 2024 vehicle models and average them, which is useful when making big picture comparisons like the cost for different driver ages or locations. Average car insurance rates are awesome for getting the answer to questions like “is auto insurance in Chicago cheaper than Peoria?” or “is auto insurance cheaper in Illinois or Texas?”.

For more accurate car insurance comparisons, however, we will get better data if we compare rates for the exact make and model of vehicle being insured. Every make and model has it’s own unique characteristics for liability and physical damage claims, and this data enables us to make cost comparisons.

This next chart breaks down the cost of auto insurance in Chicago for some of the more popular vehicles.

Average cost to insure popular 2024 model year vehicles in Chicago.
Figure 2: Average cost to insure popular 2024 model year vehicles in Chicago. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Chicago Zip Codes.

Chicago Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,884$157
Honda CR-V$2,174$181
Nissan Rogue$2,292$191
Chevrolet Equinox$2,348$196
Toyota RAV4$2,350$196
Hyundai Tucson$2,370$198
Chevrolet Traverse$2,380$198
Honda Accord$2,460$205
Toyota Corolla$2,486$207
Kia Forte$2,488$207
Toyota Tacoma$2,580$215
Toyota Camry$2,738$228
Hyundai Elantra$2,770$231
Ford Mustang$2,802$234
GMC Sierra$2,816$235
Chevrolet Silverado$2,822$235
Ford F150$2,854$238
Ram Truck$2,948$246

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Chicago, IL Zip Codes. Updated June 26, 2025

Popular vehicles in Chicago tend to be compact and midsize sedans like the Toyota Corolla, Honda Civic, and Toyota Camry and compact or midsize SUVs like the Chevy Equinox, Toyota RAV4, and Jeep Grand Cherokee.

Additional popular models from other vehicle segments include luxury cars like the Infiniti Q50 and Tesla Model S, luxury SUVs like the Acura MDX and Lexus RX 350, and models from the pickup truck segment like the Ford Ranger and Toyota Tacoma.

We get into car insurance rates for many more models a little later in this article, but before we delve that deep, let’s review in a nutshell the concepts and comparisons we covered earlier.

  • Auto insurance for a teenager is expensive – Average rates range from $6,069 to $9,081 per year for teenage driver insurance in Chicago.
  • Chicago car insurance rates are more expensive than the Illinois state average – $2,550 (Chicago average) versus $2,262 (Illinois average)
  • Cost per month ranges from $176 to $757 – That’s the average auto insurance price range for drivers aged 16 to 60 in Chicago.
  • Auto insurance with low deductibles costs more – A 30-year-old driver pays an average of $690 more per year for $250 physical damage deductibles versus $1,000.
  • Auto insurance is generally cheaper the older you are – Auto insurance rates for a 60-year-old driver in Chicago are $3,014 per year cheaper than for a 20-year-old driver.

Which vehicles have cheap insurance in Chicago?

The models with the most affordable car insurance rates in Chicago tend to be crossover SUVs like the Chevrolet Trailblazer, Kia Soul, and Buick Envision. Average car insurance prices for those models cost $2,070 or less per year, or $173 per month, for full coverage.

Examples of other vehicles that are ranked high in the cost comparison table below are the Kia Niro, Subaru Outback, Volkswagen Tiguan, and Honda CR-V.

Average insurance cost is marginally higher for those models than the cheapest small SUVs at the top of the list, but they still have an average cost of $2,220 or less per year, or $185 per month in Chicago.

The table below breaks down the top 30 cheapest vehicles to insure in Chicago, ordered by annual cost.

Cheapest Car Insurance Rates in Chicago
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,884$157
2Chevrolet Trailblazer$1,916$160
3Kia Soul$1,990$166
4Nissan Kicks$2,004$167
5Honda Passport$2,030$169
6Buick Envision$2,044$170
7Toyota Corolla Cross$2,052$171
8Hyundai Venue$2,070$173
9Mazda CX-5$2,080$173
10Ford Bronco Sport$2,088$174
11Volkswagen Tiguan$2,110$176
12Acura RDX$2,132$178
13Nissan Murano$2,142$179
14Buick Encore$2,166$181
15Subaru Outback$2,172$181
16Honda CR-V$2,174$181
17Buick Envista$2,182$182
18Volkswagen Taos$2,184$182
19Kia Niro$2,196$183
20Toyota GR Corolla$2,214$185
21Subaru Ascent$2,218$185
22Honda HR-V$2,220$185
23Nissan Leaf$2,232$186
24Chevrolet Colorado$2,242$187
25Honda Civic$2,256$188
26Lexus NX 250$2,258$188
27Volkswagen Atlas$2,260$188
28Acura Integra$2,268$189
29Subaru Forester$2,268$189
30Volkswagen Atlas Cross Sport$2,272$189

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chicago, IL Zip Codes. Updated June 27, 2025

Top 30 cheapest vehicles to insure in Chicago, IL with the Subaru Crosstrek ranking first at $1,884 per year
Top 30 cheapest vehicles to insure in Chicago, IL with the Subaru Crosstrek ranking first at $1,884 per year

The above table containing 30 vehicles with the cheapest insurance in Chicago really is not a great way to present a complete view of the cost of car insurance in Chicago. A better way to rank car insurance rates for many more vehicles is by organizing them by vehicle segment.

The next section of this article details the different automotive segments and the average cost of auto insurance in Chicago. This should give you a better understanding of which automotive segments have the least expensive rates. Then the six sections that follow the chart will break out the cheapest rates for individual models in each automotive segment.

Chicago car insurance rates by vehicle segment

When shopping for a new or used vehicle, it’s useful to know which types of vehicles have more favorable insurance rates. As an example, maybe you’re wondering if compact SUVs have cheaper car insurance than midsize SUVs or which size of SUV has the cheapest rates.

The next chart shows average auto insurance cost by vehicle segment in Chicago. When looking at rates from a segment perspective, compact and midsize SUVs, vans, and midsize pickups have the best average car insurance rates, while exotic performance cars have the most expensive average cost to insure.

Car insurance average cost by automotive segment in Chicago, IL.
Figure 3: Car insurance average cost by automotive segment in Chicago, IL. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Chicago Zip Codes.

Car Insurance Rates by Automotive Segment in Chicago, IL
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,342$195
Midsize SUV$2,518$210
Compact Car$2,518$210
Minivan$2,522$210
Midsize Pickup$2,572$214
Midsize Car$2,600$217
Compact Luxury SUV$2,762$230
Compact Luxury Car$2,804$234
Large SUV$2,812$234
Half-ton Pickup$2,824$235
Heavy Duty Pickup$2,932$244
Midsize Luxury SUV$3,028$252
Midsize Luxury Car$3,126$261
Sports Car$3,504$292
Large Car$3,666$306
Large Luxury SUV$3,946$329
Large Luxury Car$4,080$340

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Chicago, IL Zip Codes. Updated June 27, 2025

Average rates for different segments are suitable for general comparisons, but cost ranges considerably within each vehicle category shown in the previous chart.

For example, in the midsize car segment, car insurance rates in Chicago range from the Kia K5 costing $2,456 per year to the Tesla Model 3 costing $2,994 per year. Also, in the midsize truck segment, rates range from the Chevrolet Colorado costing $2,242 per year to the Rivian R1T costing $3,182 per year, a difference of $940 within that segment.

In these next sections, we remove some of this variability by analyzing the cost of auto insurance in Chicago for specific makes and models of vehicles.

Cheapest cars to insure in Chicago

The top five models for the lowest-cost Chicago car insurance rates in the car segment (excluding luxury models) are the Nissan Sentra, Subaru Impreza, Honda Civic, Toyota GR Corolla, and Nissan Leaf. Car insurance quotes for these 2024 models average $2,344 or less per year, or around $195 per month.

Rounding out the top 10 are cars like the Honda Accord, Kia K5, Chevrolet Malibu, and Toyota Corolla, with average insurance cost of $2,486 per year or less.

Car insurance in this segment for a safe driver starts at around $185 per month, depending on the company.

When rates are compared by vehicle size, the cheapest compact car to insure in Chicago is the Toyota GR Corolla at $2,214 per year, or $185 per month. For midsize 2024 models, the Kia K5 has the best rates at $2,456 per year, or $205 per month. And for full-size cars, the Chrysler 300 has the cheapest rates at $2,428 per year, or $202 per month.

The next table ranks the cars with the cheapest car insurance in Chicago, starting with the Toyota GR Corolla at $185 per month and ending with the Mazda 3 at $220 per month.

Cheapest Car Insurance in Chicago
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,214$185
Nissan LeafCompact$2,232$186
Honda CivicCompact$2,256$188
Nissan SentraCompact$2,338$195
Subaru ImprezaCompact$2,344$195
Toyota PriusCompact$2,382$199
Kia K5Midsize$2,456$205
Honda AccordMidsize$2,460$205
Chevrolet MalibuMidsize$2,472$206
Toyota CorollaCompact$2,486$207
Kia ForteCompact$2,488$207
Volkswagen ArteonMidsize$2,506$209
Nissan VersaCompact$2,512$209
Subaru LegacyMidsize$2,516$210
Hyundai Ioniq 6Midsize$2,538$212
Mitsubishi Mirage G4Compact$2,574$215
Volkswagen JettaCompact$2,578$215
Toyota CrownMidsize$2,582$215
Hyundai SonataMidsize$2,586$216
Mazda 3Compact$2,638$220

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chicago, IL Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Chicago, IL, with the Toyota GR Corolla ranking first at $2,214 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Chicago, IL, with the Toyota GR Corolla ranking first at $2,214 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Don’t see insurance cost for your vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Chicago car insurance quotes from the best companies in Illinois.

Cheapest SUVs to insure in Chicago

Taking the top spot in Chicago for cheapest auto insurance in the SUVs segment is the Subaru Crosstrek, costing $1,884 per year. Second place is the Chevrolet Trailblazer at $1,916 per year, third place goes to the Kia Soul, at an average of $1,990 per year, and ranking fourth is the Nissan Kicks, costing an average of $2,004 per year.

Other SUVs that have good average insurance rates include the Hyundai Venue, Mazda CX-5, Toyota Corolla Cross, and Buick Envision, with average cost of $2,088 per year or less.

Some additional vehicles that rank well include the Honda CR-V, Volkswagen Tiguan, Kia Niro, Nissan Murano, and Subaru Ascent, which cost between $2,088 and $2,218 per year for insurance.

From a monthly standpoint, auto insurance rates on this segment in Chicago for an average middle-age driver starts at an average of $157 per month, depending on your company and location.

The next table ranks the twenty SUVs with the cheapest average insurance rates in Chicago, starting with the Subaru Crosstrek at $1,884 per year and ending with the Subaru Ascent at $2,218 per year.

Cheapest SUV Insurance in Chicago
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,884$157
Chevrolet TrailblazerCompact$1,916$160
Kia SoulCompact$1,990$166
Nissan KicksCompact$2,004$167
Honda PassportMidsize$2,030$169
Buick EnvisionCompact$2,044$170
Toyota Corolla CrossCompact$2,052$171
Hyundai VenueCompact$2,070$173
Mazda CX-5Compact$2,080$173
Ford Bronco SportCompact$2,088$174
Volkswagen TiguanCompact$2,110$176
Nissan MuranoMidsize$2,142$179
Buick EncoreCompact$2,166$181
Subaru OutbackMidsize$2,172$181
Honda CR-VCompact$2,174$181
Buick EnvistaMidsize$2,182$182
Volkswagen TaosCompact$2,184$182
Kia NiroCompact$2,196$183
Subaru AscentMidsize$2,218$185
Honda HR-VCompact$2,220$185

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chicago, IL Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Chicago, IL, with the Subaru Crosstrek ranking first at $1,884 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Chicago, IL, with the Subaru Crosstrek ranking first at $1,884 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see your SUV in the table above? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Chicago car insurance quotes from top-rated car insurance companies in Illinois.

Cheapest luxury car insurance rates in Chicago

The Acura Integra ranks #1 as the lowest-cost luxury car model to insure in Chicago, followed closely by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model averages $2,268 per year for a policy with full coverage.

Additional models that are affordable to insure are the Mercedes-Benz AMG CLA35, Lexus RC 300, Genesis G70, and Cadillac CT4, with an average car insurance cost of $2,682 per year or less.

Auto insurance in Chicago for this segment for a good driver starts at an average of $189 per month, depending on the company and where you live.

The most budget-friendly compact luxury car to insure in Chicago is the Acura Integra at $2,268 per year. For midsize luxury models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,622 per year. And for full-size models, the Audi A5 is most affordable to insure at $3,028 per year.

The comparison table below ranks the twenty luxury cars with the lowest-cost car insurance in Chicago, starting with the Acura Integra at $2,268 per year and ending with the Audi S3 at $2,858 per year.

Cheapest Luxury Car Insurance in Chicago
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,268$189
BMW 330iCompact$2,596$216
Mercedes-Benz CLA250Midsize$2,622$219
Lexus IS 300Midsize$2,628$219
Acura TLXCompact$2,638$220
Lexus ES 350Midsize$2,662$222
Cadillac CT4Compact$2,664$222
Genesis G70Compact$2,670$223
Mercedes-Benz AMG CLA35Midsize$2,672$223
Lexus RC 300Midsize$2,682$224
Lexus IS 350Compact$2,690$224
Jaguar XFMidsize$2,698$225
Cadillac CT5Midsize$2,748$229
Lexus ES 250Midsize$2,758$230
Lexus RC 350Compact$2,766$231
BMW 330eCompact$2,770$231
BMW 228iCompact$2,774$231
BMW 230iCompact$2,794$233
Lexus ES 300hMidsize$2,800$233
Audi S3Compact$2,858$238

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chicago, IL Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Chicago, IL, with the Acura Integra ranking first at $2,268 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Chicago, IL, with the Acura Integra ranking first at $2,268 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Chicago car insurance quotes from top car insurance companies in Illinois.

Cheapest luxury SUVs to insure in Chicago

The Acura RDX comes in at #1 as the cheapest luxury SUV to insure in Chicago, followed by the Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. The 2024 model has an average cost of $2,132 per year to insure for full coverage.

Additional models that have cheaper rates include the Lexus UX 250h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus NX 350h, with average insurance cost of $2,458 per year or less.

On a monthly basis, auto insurance rates on this segment in Chicago for the average driver can cost as low as $178 per month, depending on where you live and the company you use.

When the luxury SUV segment is analyzed by vehicle size, the most budget-friendly compact luxury SUV model to insure in Chicago is the Acura RDX at $2,132 per year, or $178 per month. For midsize luxury SUVs, the Jaguar E-Pace is the cheapest model to insure at $2,384 per year, or $199 per month. And for full-size luxury SUVs, the Infiniti QX80 is cheapest to insure at $2,858 per year, or $238 per month.

The comparison table below ranks the SUVs with the cheapest average auto insurance rates in Chicago, starting with the Acura RDX at $178 per month and ending with the Lexus RX 350 at $213 per month.

Cheapest Luxury SUV Insurance in Chicago
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,132$178
Lexus NX 250Compact$2,258$188
Cadillac XT4Compact$2,304$192
Jaguar E-PaceMidsize$2,384$199
Cadillac XT5Midsize$2,406$201
Lexus NX 350hCompact$2,406$201
Lincoln CorsairCompact$2,436$203
Mercedes-Benz GLB 250Compact$2,440$203
Lexus UX 250hCompact$2,444$204
Lexus NX 450hCompact$2,458$205
Infiniti QX50Midsize$2,476$206
Mercedes-Benz GLA250Compact$2,486$207
Cadillac XT6Midsize$2,494$208
Mercedes-Benz GLA35 AMGCompact$2,496$208
Infiniti QX60Midsize$2,508$209
Mercedes-Benz AMG GLB35Midsize$2,512$209
Land Rover EvoqueCompact$2,546$212
Acura MDXMidsize$2,548$212
Lexus NX 350Compact$2,558$213
Lexus RX 350Midsize$2,558$213

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chicago, IL Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Chicago, IL, with the Acura RDX ranking first at $2,132 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Chicago, IL, with the Acura RDX ranking first at $2,132 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see your luxury SUV in the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Chicago car insurance quotes from the best companies in Illinois.

Cheapest sports car insurance rates in Chicago

Ranked at #1 in Chicago for cheapest average insurance rates in the sports cars segment is the Mazda MX-5 Miata, costing $2,360 per year. Second place is the Toyota GR86 costing $2,686 per year, and the third most affordable is the Ford Mustang, at an average of $2,802 per year.

Other models that have cheaper rates are the Lexus RC F, BMW M2, Nissan Z, and Toyota GR Supra, with average rates of $3,048 per year or less.

From a cost per month standpoint, auto insurance rates on this segment in Chicago starts at around $197 per month, depending on where you live and the company you use.

The next table ranks the twenty sports cars with the cheapest insurance rates in Chicago, starting with the Mazda MX-5 Miata at $2,360 per year ($197 per month) and ending with the Porsche Taycan at $4,318 per year ($360 per month).

Cheapest Sports Car Insurance in Chicago
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,360$197
Toyota GR86Sports Car$2,686$224
Ford MustangSports Car$2,802$234
BMW Z4Sports Car$2,818$235
Subaru WRXSports Car$2,860$238
Toyota GR SupraSports Car$2,866$239
BMW M2Sports Car$2,944$245
Nissan ZSports Car$2,956$246
Lexus RC FSports Car$3,014$251
Subaru BRZSports Car$3,048$254
BMW M3Sports Car$3,220$268
Porsche 718Sports Car$3,280$273
Chevrolet CamaroSports Car$3,312$276
Chevrolet CorvetteSports Car$3,530$294
Porsche 911Sports Car$3,654$305
BMW M4Sports Car$3,806$317
Lexus LC 500Sports Car$3,824$319
Jaguar F-TypeSports Car$4,022$335
Mercedes-Benz AMG GT53Sports Car$4,220$352
Porsche TaycanSports Car$4,318$360

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chicago, IL Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Chicago, IL, with the Mazda MX-5 Miata ranking first at $2,360 per year.
Ranking of the cheapest sports cars to insure in Chicago, IL, with the Mazda MX-5 Miata ranking first at $2,360 per year.

Is your vehicle not in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Chicago.

Cheapest pickups to insure in Chicago

The top five models for the most affordable Chicago car insurance rates in the pickup truck segment are the Ford Ranger, Ford Maverick, Nissan Frontier, Chevrolet Colorado, and Nissan Titan. Rates for these vehicles average $2,474 or less per year, or around $206 per month.

Also ranking in the top 10 are trucks like the Toyota Tacoma, GMC Sierra 2500 HD, Hyundai Santa Cruz, and Honda Ridgeline, with an average cost to insure of $2,624 per year or less.

As a cost per month, auto insurance rates in this segment for an average middle-age driver starts at around $187 per month, depending on the company. The table below ranks the twenty pickups with the lowest-cost car insurance in Chicago, starting with the Chevrolet Colorado at $2,242 per year ($187 per month) and ending with the Ram Truck at $2,948 per year ($246 per month).

Cheapest Pickup Insurance in Chicago
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,242$187
Nissan TitanFull-size$2,384$199
Nissan FrontierMidsize$2,410$201
Ford RangerMidsize$2,438$203
Ford MaverickMidsize$2,474$206
Honda RidgelineMidsize$2,532$211
Hyundai Santa CruzMidsize$2,574$215
Toyota TacomaMidsize$2,580$215
GMC Sierra 2500 HDHeavy Duty$2,594$216
GMC CanyonMidsize$2,624$219
Jeep GladiatorMidsize$2,686$224
GMC Sierra 3500Heavy Duty$2,700$225
Chevrolet Silverado HD 3500Heavy Duty$2,726$227
Chevrolet Silverado HD 2500Heavy Duty$2,798$233
GMC SierraFull-size$2,816$235
Nissan Titan XDHeavy Duty$2,820$235
Chevrolet SilveradoFull-size$2,822$235
Ford F150Full-size$2,854$238
GMC Hummer EV PickupFull-size$2,926$244
Ram TruckFull-size$2,948$246

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Chicago, IL Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Chicago, IL, with the Chevrolet Colorado ranking first at $2,242 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Chicago, IL, with the Chevrolet Colorado ranking first at $2,242 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your pickup in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Chicago car insurance quotes from top-rated companies in Illinois.

Car insurance rate variation in Chicago

To reinforce the concept of how much car insurance premiums can change between drivers (and also reiterate the importance of getting multiple quotes for coverage), the sections below have detailed auto insurance rates for three popular models in Chicago: the Chevrolet Silverado, Honda Civic, and Honda Pilot.

Each chart shows average rates for different driver profiles to demonstrate the potential rate difference when rated for different driver profiles.

Chevrolet Silverado insurance rates

Chevrolet Silverado insurance in Chicago averages $2,822 per year, with rates ranging from a low of $2,388 per year on the Silverado EV WT trim up to $3,342 per year for the Silverado EV RST First Edition trim.

As a cost per month, full-coverage auto insurance on the Chevrolet Silverado for the average driver can range from $199 to $279 per month, but your final cost can vary considerably based on your exact location in Chicago.

The bar chart below shows how the cost to insure a Chevrolet Silverado can vary based on different driver ages, risk profiles, and policy deductibles.

In this example, prices range from $2,336 to $6,544 per year, which is a cost difference of $4,208 per year due primarily to driver risk.

Average 2024 Chevrolet Silverado insurance premiums in Chicago for different driver ages and risk scenarios.
Figure 4: Average 2024 Chevrolet Silverado insurance premiums in Chicago for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Chicago includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Chicago, IL
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,544$545
Safe Driver Age 20$5,724$477
At-fault Accidents Age 40$4,028$336
Low Deductibles Age 40$3,640$303
Safe Driver Age 30$3,000$250
Safe Driver Age 40$2,822$235
Safe Driver Age 50$2,506$209
High Deductibles Age 40$2,402$200
Safe Driver Age 60$2,348$196
Discount Rate Age 40$2,336$195

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 26, 2025

The Chevrolet Silverado is classified as a full-size truck, and other models popular in Chicago include the GMC Sierra, Ford F150, Nissan Titan, and Toyota Tundra.

Honda Civic insurance rates

Honda Civic insurance in Chicago averages $2,256 per year, with a range of $2,018 per year for the Civic LX trim level up to $2,676 per year on the Civic Type R.

When Chicago insurance rates on the Honda Civic are compared to the overall national average cost for the same vehicle, rates are anywhere from $164 to $218 more per year in Chicago, depending on the specific trim level being insured.

The chart displayed below might help you understand how the cost of car insurance for a Honda Civic can range considerably for a number of different driver ages, policy deductibles, and policy risk factors.

Average 2024 Honda Civic insurance premiums in Chicago for different driver ages and risk scenarios.
Figure 5: Average 2024 Honda Civic insurance premiums in Chicago for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Chicago includes all Zip Codes and vehicle trim levels.

2024 Honda Civic Insurance Cost in Chicago, IL
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,124$427
Safe Driver Age 20$4,476$373
At-fault Accidents Age 40$3,166$264
Low Deductibles Age 40$2,960$247
Safe Driver Age 30$2,408$201
Safe Driver Age 40$2,256$188
Safe Driver Age 50$2,000$167
High Deductibles Age 40$1,892$158
Discount Rate Age 40$1,878$157
Safe Driver Age 60$1,870$156

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated June 27, 2025

The Honda Civic belongs to the compact car segment, and other similar models include the Nissan Sentra, Chevrolet Cruze, Toyota Corolla, and Hyundai Elantra.

Honda Pilot insurance rates

Average Honda Pilot insurance cost in Chicago ranges from $2,322 up to $2,636 per year. The least-expensive insurance rates are on the $37,090 Pilot LX trim level, while the trim with the most expensive average rate is the $52,480 Pilot Elite AWD model.

When Chicago insurance rates for a Honda Pilot are compared to the average cost for the entire U.S. on the same model, rates are $190 to $214 more per year in Chicago, depending on trim level.

The bar chart below can help to visualize how the cost to insure a Honda Pilot can range significantly based on different driver ages and policy risk profiles.

In this example, rates range from $2,062 to $5,738 per year, which is a price difference of $3,676 to insure the same vehicle with different rated drivers.

Average 2024 Honda Pilot insurance premiums in Chicago for different driver ages and risk scenarios.
Figure 6: Average 2024 Honda Pilot insurance premiums in Chicago for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in Chicago includes all Zip Codes and vehicle trim levels.

2024 Honda Pilot Insurance Cost in Chicago, IL
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,738$478
Safe Driver Age 20$5,030$419
At-fault Accidents Age 40$3,514$293
Low Deductibles Age 40$3,286$274
Safe Driver Age 30$2,650$221
Safe Driver Age 40$2,482$207
Safe Driver Age 50$2,192$183
High Deductibles Age 40$2,072$173
Discount Rate Age 40$2,062$172
Safe Driver Age 60$2,056$171

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Pilot trim levels. Updated June 27, 2025

The Honda Pilot is classified as a midsize SUV, and other models in the same segment include the Ford Explorer, Jeep Grand Cherokee, Kia Sorento, and Ford Edge.

How to save on auto insurance in Chicago

Drivers are always searching for ways to save money on insurance, so take a minute to read through the money-saving tips in this next list to see if you can save some money the next time you buy a policy.

  • A good driving record pays dividends. To get the cheapest auto insurance in Chicago, it pays to avoid traffic citations. As a matter of fact, just one or two driving offenses have the ramification of spiking insurance policy cost by at least $676 per year. Major misdemeanor violations such as reckless driving could raise rates by an additional $2,368 or more.
  • If your car is older, remove unneeded coverages. Removing physical damage coverage from older vehicles that are no longer worth much will cut the cost of car insurance substantially.
  • Earn a discount from your job. The large majority of insurance companies offer discounts for having a job in professions like scientists, nurses, architects, high school and elementary teachers, emergency medical technicians, and others. If your profession qualifies you for this discount, you could potentially save between $77 and $248 on your annual car insurance cost, depending on the age of the rated driver.
  • Bad drivers pay more for auto insurance. At-fault accidents raise insurance rates, possibly as much as $3,640 per year for a 20-year-old driver and even $766 per year for a 50-year-old driver. So be a careful driver and save!
  • Save money by qualifying for discounts. Discounted rates may be available if the insured drivers are homeowners, insure multiple vehicles on the same policy, belong to certain professional organizations, insure their home and car with the same company, drive low annual mileage, or many other discounts which could save the average Chicago driver as much as $434 per year.