- The average cost of car insurance in Chicago is $2,592 per year, or $216 per month.
- Monthly auto insurance rates for a few popular vehicles in Chicago include the Tesla Model 3 at $254, Nissan Sentra at $198, and Nissan Rogue at $194.
- For cheap auto insurance in Chicago, crossover vehicles like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks rank very well for overall cost.
- Models with segment-leading auto insurance rates in Chicago include the Honda Passport at $2,068 per year, Chevrolet Tahoe at $2,436 per year, Jaguar E-Pace at $2,424 per year, and Kia K5 at $2,498 per year.
How much does Chicago car insurance cost?
Average car insurance rates in Chicago cost $2,592 per year, or around $216 per month. When compared to the overall national average rate, Chicago car insurance cost is 13% more expensive per year.
In the state of Illinois, the average cost of car insurance is $2,304 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, $362 per year more than in Rockford, and $398 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 – $9,235 per year or $770 per month
- 17 year old – $8,950 per year or $746 per month
- 18 year old – $8,019 per year or $668 per month
- 19 year old – $7,300 per year or $608 per month
- 20 year old – $5,216 per year or $435 per month
- 30 year old – $2,768 per year or $231 per month
- 40 year old – $2,592 per year or $216 per month
- 50 year old – $2,298 per year or $192 per month
- 60 year old – $2,154 per year or $180 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 rates in the chart range from $2,156 per year for a middle-aged driver who qualifies for a cheap discount rate to $5,966 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 $2,592 per year.
As a monthly expense, the average cost of auto insurance in Chicago ranges from $180 to $497 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.
Popular models and the cost of insurance
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.
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 $6,175 to $9,235 per year for teenage driver insurance in Chicago.
- Chicago car insurance rates are more expensive than the Illinois state average – $2,592 (Chicago average) versus $2,304 (Illinois average)
- Cost per month ranges from $180 to $770 – 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 $702 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 $3,062 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 $2,108 or less per year, or $176 per month, for full coverage.
Examples of other vehicles that are ranked high in the cost comparison table below are the Kia Niro, Honda CR-V, Volkswagen Tiguan, and Subaru Outback.
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 $2,254 or less per year, or $188 per month in Chicago.
The table below breaks down the top 30 cheapest vehicles to insure in Chicago, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,916 | $160 |
| 2 | Chevrolet Trailblazer | $1,950 | $163 |
| 3 | Kia Soul | $2,024 | $169 |
| 4 | Nissan Kicks | $2,044 | $170 |
| 5 | Honda Passport | $2,068 | $172 |
| 6 | Buick Envision | $2,078 | $173 |
| 7 | Toyota Corolla Cross | $2,090 | $174 |
| 8 | Hyundai Venue | $2,108 | $176 |
| 9 | Mazda CX-5 | $2,116 | $176 |
| 10 | Ford Bronco Sport | $2,126 | $177 |
| 11 | Volkswagen Tiguan | $2,146 | $179 |
| 12 | Acura RDX | $2,168 | $181 |
| 13 | Nissan Murano | $2,180 | $182 |
| 14 | Buick Encore | $2,204 | $184 |
| 15 | Subaru Outback | $2,208 | $184 |
| 16 | Honda CR-V | $2,212 | $184 |
| 17 | Buick Envista | $2,216 | $185 |
| 18 | Volkswagen Taos | $2,220 | $185 |
| 19 | Kia Niro | $2,232 | $186 |
| 20 | Toyota GR Corolla | $2,254 | $188 |
| 21 | Honda HR-V | $2,256 | $188 |
| 22 | Subaru Ascent | $2,260 | $188 |
| 23 | Nissan Leaf | $2,270 | $189 |
| 24 | Chevrolet Colorado | $2,284 | $190 |
| 25 | Honda Civic | $2,296 | $191 |
| 26 | Lexus NX 250 | $2,296 | $191 |
| 27 | Volkswagen Atlas | $2,300 | $192 |
| 28 | Acura Integra | $2,306 | $192 |
| 29 | Subaru Forester | $2,310 | $193 |
| 30 | Volkswagen Atlas Cross Sport | $2,312 | $193 |
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 October 24, 2025
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.
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 $2,498 per year to the Tesla Model 3 costing $3,048 per year. Also, in the midsize truck segment, rates range from the Chevrolet Colorado costing $2,284 per year to the Rivian R1T costing $3,234 per year, a difference of $950 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 $2,384 or less per year, or around $199 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 $2,526 per year or less.
Car insurance in this segment for a safe driver starts at around $188 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 $2,254 per year, or $188 per month. For midsize 2024 models, the Kia K5 has the best rates at $2,498 per year, or $208 per month. And for full-size cars, the Chrysler 300 has the cheapest rates at $2,470 per year, or $206 per month.
The next table ranks the cars with the cheapest car insurance in Chicago, starting with the Toyota GR Corolla at $188 per month and ending with the Mazda 3 at $224 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,254 | $188 |
| Nissan Leaf | Compact | $2,270 | $189 |
| Honda Civic | Compact | $2,296 | $191 |
| Nissan Sentra | Compact | $2,378 | $198 |
| Subaru Impreza | Compact | $2,384 | $199 |
| Toyota Prius | Compact | $2,424 | $202 |
| Kia K5 | Midsize | $2,498 | $208 |
| Honda Accord | Midsize | $2,506 | $209 |
| Chevrolet Malibu | Midsize | $2,516 | $210 |
| Toyota Corolla | Compact | $2,526 | $211 |
| Kia Forte | Compact | $2,532 | $211 |
| Volkswagen Arteon | Midsize | $2,550 | $213 |
| Nissan Versa | Compact | $2,554 | $213 |
| Subaru Legacy | Midsize | $2,560 | $213 |
| Hyundai Ioniq 6 | Midsize | $2,580 | $215 |
| Mitsubishi Mirage G4 | Compact | $2,616 | $218 |
| Volkswagen Jetta | Compact | $2,624 | $219 |
| Toyota Crown | Midsize | $2,626 | $219 |
| Hyundai Sonata | Midsize | $2,630 | $219 |
| Mazda 3 | Compact | $2,682 | $224 |
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 October 24, 2025
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 $1,916 per year. Second place is the Chevrolet Trailblazer at $1,950 per year, third place goes to the Kia Soul, at an average of $2,024 per year, and ranking fourth is the Nissan Kicks, costing an average of $2,044 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 $2,126 per year or less.
Some additional vehicles that rank well include the Subaru Outback, Volkswagen Tiguan, Kia Niro, Nissan Murano, and Subaru Ascent, which cost between $2,126 and $2,260 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 $160 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 $1,916 per year and ending with the Subaru Ascent at $2,260 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,916 | $160 |
| Chevrolet Trailblazer | Compact | $1,950 | $163 |
| Kia Soul | Compact | $2,024 | $169 |
| Nissan Kicks | Compact | $2,044 | $170 |
| Honda Passport | Midsize | $2,068 | $172 |
| Buick Envision | Compact | $2,078 | $173 |
| Toyota Corolla Cross | Compact | $2,090 | $174 |
| Hyundai Venue | Compact | $2,108 | $176 |
| Mazda CX-5 | Compact | $2,116 | $176 |
| Ford Bronco Sport | Compact | $2,126 | $177 |
| Volkswagen Tiguan | Compact | $2,146 | $179 |
| Nissan Murano | Midsize | $2,180 | $182 |
| Buick Encore | Compact | $2,204 | $184 |
| Subaru Outback | Midsize | $2,208 | $184 |
| Honda CR-V | Compact | $2,212 | $184 |
| Buick Envista | Midsize | $2,216 | $185 |
| Volkswagen Taos | Compact | $2,220 | $185 |
| Kia Niro | Compact | $2,232 | $186 |
| Honda HR-V | Compact | $2,256 | $188 |
| Subaru Ascent | Midsize | $2,260 | $188 |
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 October 24, 2025
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 $2,306 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 $2,728 per year or less.
Auto insurance in Chicago for this segment for a good driver starts at an average of $192 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 $2,306 per year. For midsize luxury models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,670 per year. And for full-size models, the Audi A5 is most affordable to insure at $3,082 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 $2,306 per year and ending with the Audi S3 at $2,910 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,306 | $192 |
| BMW 330i | Compact | $2,642 | $220 |
| Mercedes-Benz CLA250 | Midsize | $2,670 | $223 |
| Lexus IS 300 | Midsize | $2,672 | $223 |
| Acura TLX | Compact | $2,684 | $224 |
| Cadillac CT4 | Compact | $2,708 | $226 |
| Lexus ES 350 | Midsize | $2,708 | $226 |
| Genesis G70 | Compact | $2,716 | $226 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,720 | $227 |
| Lexus RC 300 | Midsize | $2,728 | $227 |
| Lexus IS 350 | Compact | $2,738 | $228 |
| Jaguar XF | Midsize | $2,744 | $229 |
| Cadillac CT5 | Midsize | $2,792 | $233 |
| Lexus ES 250 | Midsize | $2,806 | $234 |
| Lexus RC 350 | Compact | $2,814 | $235 |
| BMW 330e | Compact | $2,816 | $235 |
| BMW 228i | Compact | $2,820 | $235 |
| BMW 230i | Compact | $2,842 | $237 |
| Lexus ES 300h | Midsize | $2,848 | $237 |
| Audi S3 | Compact | $2,910 | $243 |
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 October 24, 2025
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 $2,168 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 $2,500 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 $181 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 $2,168 per year, or $181 per month. For midsize luxury SUVs, the Jaguar E-Pace is the cheapest model to insure at $2,424 per year, or $202 per month. And for full-size luxury SUVs, the Infiniti QX80 is cheapest to insure at $2,910 per year, or $243 per month.
The comparison table below ranks the SUVs with the cheapest average auto insurance rates in Chicago, starting with the Acura RDX at $181 per month and ending with the Lexus RX 350 at $217 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,168 | $181 |
| Lexus NX 250 | Compact | $2,296 | $191 |
| Cadillac XT4 | Compact | $2,342 | $195 |
| Jaguar E-Pace | Midsize | $2,424 | $202 |
| Cadillac XT5 | Midsize | $2,448 | $204 |
| Lexus NX 350h | Compact | $2,448 | $204 |
| Lincoln Corsair | Compact | $2,478 | $207 |
| Mercedes-Benz GLB 250 | Compact | $2,482 | $207 |
| Lexus UX 250h | Compact | $2,486 | $207 |
| Lexus NX 450h | Compact | $2,500 | $208 |
| Infiniti QX50 | Midsize | $2,520 | $210 |
| Mercedes-Benz GLA250 | Compact | $2,530 | $211 |
| Cadillac XT6 | Midsize | $2,538 | $212 |
| Mercedes-Benz GLA35 AMG | Compact | $2,538 | $212 |
| Infiniti QX60 | Midsize | $2,550 | $213 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,556 | $213 |
| Land Rover Evoque | Compact | $2,590 | $216 |
| Acura MDX | Midsize | $2,592 | $216 |
| Lexus NX 350 | Compact | $2,602 | $217 |
| Lexus RX 350 | Midsize | $2,604 | $217 |
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 October 24, 2025
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 $2,402 per year. Second place is the Toyota GR86 costing $2,734 per year, and the third most affordable is the Ford Mustang, at an average of $2,850 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 $3,100 per year or less.
From a cost per month standpoint, auto insurance rates on this segment in Chicago starts at around $200 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 $2,402 per year ($200 per month) and ending with the Porsche Taycan at $4,392 per year ($366 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,402 | $200 |
| Toyota GR86 | Sports Car | $2,734 | $228 |
| Ford Mustang | Sports Car | $2,850 | $238 |
| BMW Z4 | Sports Car | $2,864 | $239 |
| Subaru WRX | Sports Car | $2,910 | $243 |
| Toyota GR Supra | Sports Car | $2,912 | $243 |
| BMW M2 | Sports Car | $3,000 | $250 |
| Nissan Z | Sports Car | $3,004 | $250 |
| Lexus RC F | Sports Car | $3,066 | $256 |
| Subaru BRZ | Sports Car | $3,100 | $258 |
| BMW M3 | Sports Car | $3,274 | $273 |
| Porsche 718 | Sports Car | $3,340 | $278 |
| Chevrolet Camaro | Sports Car | $3,368 | $281 |
| Chevrolet Corvette | Sports Car | $3,590 | $299 |
| Porsche 911 | Sports Car | $3,716 | $310 |
| BMW M4 | Sports Car | $3,870 | $323 |
| Lexus LC 500 | Sports Car | $3,890 | $324 |
| Jaguar F-Type | Sports Car | $4,092 | $341 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,294 | $358 |
| Porsche Taycan | Sports Car | $4,392 | $366 |
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 October 24, 2025
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 $2,516 or less per year, or around $210 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 $2,668 per year or less.
As a cost per month, auto insurance rates in this segment for an average middle-age driver starts at around $190 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 $2,284 per year ($190 per month) and ending with the Ram Truck at $2,998 per year ($250 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,284 | $190 |
| Nissan Titan | Full-size | $2,424 | $202 |
| Nissan Frontier | Midsize | $2,452 | $204 |
| Ford Ranger | Midsize | $2,478 | $207 |
| Ford Maverick | Midsize | $2,516 | $210 |
| Honda Ridgeline | Midsize | $2,572 | $214 |
| Hyundai Santa Cruz | Midsize | $2,618 | $218 |
| Toyota Tacoma | Midsize | $2,626 | $219 |
| GMC Sierra 2500 HD | Heavy Duty | $2,638 | $220 |
| GMC Canyon | Midsize | $2,668 | $222 |
| Jeep Gladiator | Midsize | $2,732 | $228 |
| GMC Sierra 3500 | Heavy Duty | $2,748 | $229 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,774 | $231 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,846 | $237 |
| GMC Sierra | Full-size | $2,862 | $239 |
| Nissan Titan XD | Heavy Duty | $2,866 | $239 |
| Chevrolet Silverado | Full-size | $2,868 | $239 |
| Ford F150 | Full-size | $2,900 | $242 |
| GMC Hummer EV Pickup | Full-size | $2,972 | $248 |
| Ram Truck | Full-size | $2,998 | $250 |
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 October 24, 2025
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 $2,868 per year, with rates ranging from a low of $2,430 per year on the Silverado EV WT trim up to $3,400 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 $203 to $283 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 $2,378 to $6,658 per year, which is a cost difference of $4,280 per year due primarily to driver risk.
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 $2,296 per year, with a range of $2,052 per year for the Civic LX trim level up to $2,720 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 $152 to $204 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.
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 $2,360 up to $2,682 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 $174 to $200 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 $2,096 to $5,836 per year, which is a price difference of $3,740 to insure the same vehicle with different rated drivers.
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 $692 per year. Major misdemeanor violations such as reckless driving could raise rates by an additional $2,410 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 $78 and $252 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 $3,706 per year for a 20-year-old driver and even $786 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 $436 per year.