Chicago Car Insurance (2021 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 $1,596 per year, or around $133 per month. When compared to the overall national average rate, Chicago car insurance cost is 4.8% more expensive per year.

In the state of Illinois, the average cost of car insurance is $1,066 per year, so the cost in Chicago averages $530 more per year. When prices are compared to other locations in Illinois, the average cost to insure a vehicle in Chicago is approximately $410 per year more expensive than in Naperville, $352 per year more than in Rockford, and $382 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 – $5,712 per year or $476 per month
  • 17 year old – $5,334 per year or $445 per month
  • 18 year old – $4,982 per year or $415 per month
  • 19 year old – $4,506 per year or $376 per month
  • 20 year old – $3,162 per year or $264 per month
  • 30 year old – $1,680 per year or $140 per month
  • 40 year old – $1,596 per year or $133 per month
  • 50 year old – $1,448 per year or $121 per month
  • 60 year old – $1,424 per year or $119 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2021 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. Physical damage 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.
Chicago, IL Car Insurance Cost Summary
Average Car Insurance Cost in Chicago, IL
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,612$301
Safe Driver Age 20$3,162$264
At-fault Accidents Age 40$2,248$187
Low Deductibles Age 40$2,074$173
Safe Driver Age 30$1,680$140
Safe Driver Age 40$1,596$133
Safe Driver Age 50$1,448$121
Safe Driver Age 60$1,424$119
High Deductibles Age 40$1,350$113
Discount Rate Age 40$1,324$110

Average rates in the chart range from $1,324 per year for a middle-aged driver who qualifies for a cheap discount rate to $3,612 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 $1,596 per year.

As a monthly expense, the average cost of auto insurance in Chicago ranges from $110 to $301 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 2021 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Chicago car insurance cost is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Chicago Zip Codes.
Chicago Car Insurance Rates for Popular Vehicles
Chicago Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$1,282$107
Toyota Corolla$1,314$110
Hyundai Tucson$1,342$112
Chevrolet Equinox$1,362$114
Toyota Tacoma$1,404$117
Nissan Rogue$1,414$118
Subaru Crosstrek$1,416$118
Kia Forte$1,498$125
Toyota RAV4$1,528$127
Ford F150$1,584$132
Chevrolet Traverse$1,584$132
Honda Accord$1,612$134
Toyota Camry$1,614$135
GMC Sierra$1,682$140
Ford Mustang$1,686$141
Ram Truck$1,718$143
Hyundai Elantra$1,748$146
Chevrolet Silverado$1,754$146
Jeep Cherokee$1,816$151

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 $4,006 to $5,712 per year for teenage driver insurance in Chicago.
  • Chicago car insurance rates are more expensive than the Illinois state average – $1,596 (Chicago average) versus $1,066 (Illinois average)
  • Cost per month ranges from $123 to $494 – 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 $454 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 $1,800 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 Honda CR-V, Mazda CX-5, and Ford Ecosport. Average car insurance prices for those models cost $1,318 or less per year, or $110 per month, for full coverage.

Examples of other vehicles that are ranked high in the cost comparison table below are the Kia Sportage, Hyundai Venue, Chevrolet Trax, and Nissan Kicks.

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 $1,352 or less per year, or $113 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 Cost Monthly Cost
1Mazda CX-3$1,234$103
2Chevrolet Spark$1,240$103
3Honda CR-V$1,282$107
4Mazda CX-30$1,300$108
5Mazda CX-5$1,300$108
6Kia Rio5$1,304$109
7Ford Ecosport$1,306$109
8Toyota C-HR$1,310$109
9Toyota Corolla$1,314$110
10Nissan Rogue Sport$1,318$110
11Hyundai Kona$1,320$110
12Chevrolet Trax$1,326$111
13Kia Sedona$1,332$111
14Buick Envision$1,334$111
15Chevrolet Colorado$1,334$111
16Nissan Kicks$1,336$111
17Hyundai Venue$1,338$112
18Hyundai Tucson$1,342$112
19Mitsubishi Eclipse Cross$1,342$112
20Kia Sportage$1,346$112
21Jeep Compass$1,352$113
22Ford Edge$1,354$113
23Acura RDX$1,356$113
24Kia Soul$1,356$113
25Volkswagen Golf$1,356$113
26Chevrolet Equinox$1,362$114
27Chevrolet Blazer$1,364$114
28Subaru Impreza$1,368$114
29Chevrolet Trailblazer$1,370$114
30Honda Passport$1,372$114

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Chicago, IL.
    Cheapest Car Insurance Rates in Chicago

    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 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Chicago car insurance cost by segment is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Chicago Zip Codes.
    Average Chicago Car Insurance Rates by Automotive Segment
    Chicago Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Large Van$1,444$120
    Small SUV$1,444$120
    Midsize Truck$1,450$121
    Midsize Van$1,490$124
    Midsize Minivan$1,512$126
    Small Car$1,560$130
    Midsize SUV$1,590$133
    Midsize Car$1,646$137
    Large Truck$1,680$140
    Small Luxury SUV$1,716$143
    Large SUV$1,718$143
    Large Car$1,790$149
    Midsize Luxury SUV$1,854$155
    Small Luxury Car$1,856$155
    Heavy Duty Truck$1,908$159
    Midsize Luxury Car$2,138$178
    Sports Car$2,262$189
    Large Luxury SUV$2,300$192
    Large Luxury Car$2,534$211
    Exotic Car$3,208$267

    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 Honda Insight costing $1,468 per year to the Kia Stinger costing $1,844 per year. Also, in the midsize truck segment, rates range from the Chevrolet Colorado costing $1,334 per year to the Honda Ridgeline costing $1,550 per year, a difference of $216 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 Volkswagen Golf, Subaru Impreza, Toyota Corolla, Chevrolet Spark, and Kia Rio5. Car insurance quotes for these 2021 models average $1,368 or less per year, or around $114 per month.

    Rounding out the top 10 are cars like the Mazda 3, Honda Civic, Kia Rio, and Honda Insight, with average insurance cost of $1,468 per year or less.

    Car insurance in this segment for a safe driver starts at around $103 per month, depending on the company.

    When rates are compared by vehicle size, the cheapest compact car to insure in Chicago is the Chevrolet Spark at $1,240 per year, or $103 per month. For midsize 2021 models, the Honda Insight has the best rates at $1,468 per year, or $122 per month. And for full-size cars, the Kia Cadenza has the cheapest rates at $1,602 per year, or $134 per month.

    The next table ranks the cars with the cheapest car insurance in Chicago, starting with the Chevrolet Spark at $103 per month and ending with the Volkswagen Passat at $135 per month.

    Cheapest Car Insurance in Chicago
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet SparkCompact$1,240$103
    Kia Rio5Compact$1,304$109
    Toyota CorollaCompact$1,314$110
    Volkswagen GolfCompact$1,356$113
    Subaru ImprezaCompact$1,368$114
    Nissan SentraCompact$1,422$119
    Honda CivicCompact$1,440$120
    Mazda 3Compact$1,440$120
    Kia RioCompact$1,464$122
    Honda InsightMidsize$1,468$122
    Hyundai AccentCompact$1,480$123
    Mazda 6Midsize$1,494$125
    Kia ForteCompact$1,498$125
    Chevrolet MalibuMidsize$1,504$125
    Toyota PriusCompact$1,588$132
    Subaru LegacyMidsize$1,596$133
    Kia CadenzaFull-size$1,602$134
    Honda AccordMidsize$1,612$134
    Toyota CamryMidsize$1,614$135
    Volkswagen PassatMidsize$1,620$135

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Chicago, IL.
      Cheapest Car Insurance in Chicago

      The most popular cars in Chicago don’t always have the most affordable auto insurance rates. For example, a few of the more popular models that did not make the list above include the Nissan Maxima at an average of $1,790 per year ($149 per month), the Volkswagen Jetta costing $1,638 ($137 per month), and the Toyota Avalon at an average of $1,710 ($143 per month).

      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 Mazda CX-3, costing $1,234 per year. Second place is the Honda CR-V at $1,282 per year, third place goes to the Mazda CX-5, at an average of $1,300 per year, and ranking fourth is the Mazda CX-30, costing an average of $1,300 per year.

      Other SUVs that have good average insurance rates include the Hyundai Kona, Chevrolet Trax, Nissan Rogue Sport, and Toyota C-HR, with average cost of $1,334 per year or less.

      Some additional vehicles that rank well include the Hyundai Tucson, Nissan Kicks, Kia Soul, Hyundai Venue, and Chevrolet Equinox, which cost between $1,334 and $1,362 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 $103 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 Mazda CX-3 at $1,234 per year and ending with the Chevrolet Equinox at $1,362 per year.

      Cheapest SUV Insurance in Chicago
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-3Compact$1,234$103
      Honda CR-VCompact$1,282$107
      Mazda CX-30Compact$1,300$108
      Mazda CX-5Compact$1,300$108
      Ford EcosportCompact$1,306$109
      Toyota C-HRCompact$1,310$109
      Nissan Rogue SportCompact$1,318$110
      Hyundai KonaCompact$1,320$110
      Chevrolet TraxCompact$1,326$111
      Buick EnvisionCompact$1,334$111
      Nissan KicksCompact$1,336$111
      Hyundai VenueCompact$1,338$112
      Hyundai TucsonCompact$1,342$112
      Mitsubishi Eclipse CrossCompact$1,342$112
      Kia SportageCompact$1,346$112
      Jeep CompassCompact$1,352$113
      Ford EdgeMidsize$1,354$113
      Kia SoulCompact$1,356$113
      Chevrolet EquinoxCompact$1,362$114
      Chevrolet BlazerMidsize$1,364$114

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Chicago, IL.
        Cheapest SUV Insurance in Chicago

        The top-selling SUVs in Chicago don’t necessarily have the cheapest car insurance rates. Some popular non-luxury SUVs that ranked out of the top 20 include the Nissan Rogue at $1,414 per year, the Ford Escape at $1,408, and the Ford Explorer costing an average of $1,564.

        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 ILX ranks #1 as the lowest-cost luxury car model to insure in Chicago, followed closely by the Mercedes-Benz A220, Volvo S60, Lexus RC 300, and BMW 330i. The 2021 model averages $1,478 per year for a policy with full coverage.

        Additional models that are affordable to insure are the Lexus ES 350, Lexus RC 350, Acura TLX, and BMW Z4, with an average car insurance cost of $1,760 per year or less.

        Auto insurance in Chicago for this segment for a good driver starts at an average of $123 per month, depending on the company and where you live.

        The most budget-friendly compact luxury car to insure in Chicago is the Mercedes-Benz A220 at $1,544 per year. For midsize luxury models, the Acura ILX is the cheapest model to insure at $1,478 per year. And for full-size models, the Audi A5 is most affordable to insure at $1,792 per year.

        The comparison table below ranks the twenty luxury cars with the lowest-cost car insurance in Chicago, starting with the Acura ILX at $1,478 per year and ending with the Cadillac CT5 at $1,834 per year.

        Cheapest Luxury Car Insurance in Chicago
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,478$123
        Mercedes-Benz A220Compact$1,544$129
        Volvo S60Compact$1,670$139
        Lexus RC 300Midsize$1,704$142
        BMW 330iCompact$1,710$143
        BMW Z4Compact$1,718$143
        Cadillac CT4Compact$1,718$143
        Acura TLXCompact$1,740$145
        Lexus ES 350Midsize$1,756$146
        Lexus RC 350Compact$1,760$147
        BMW i3Compact$1,766$147
        Mercedes-Benz AMG CLA45Midsize$1,766$147
        BMW 230iCompact$1,776$148
        Lexus IS 300Midsize$1,786$149
        Audi A5Full-size$1,792$149
        Genesis G70Compact$1,796$150
        Alfa Romeo GiuliaCompact$1,800$150
        Audi S3Compact$1,808$151
        Audi A3Midsize$1,814$151
        Cadillac CT5Midsize$1,834$153

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Chicago, IL.
          Cheapest Luxury Car Insurance in Chicago

          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 Cadillac XT4, Volvo XC40, Volvo V60, and Cadillac XT5. The 2021 model has an average cost of $1,356 per year to insure for full coverage.

          Additional models that have cheaper rates include the Volvo XC60, Lincoln Nautilus, Lexus UX 250H, and Lincoln Corsair, with average insurance cost of $1,632 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 $113 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 $1,356 per year, or $113 per month. For midsize luxury SUVs, the Volvo V60 is the cheapest model to insure at $1,520 per year, or $127 per month. And for full-size luxury SUVs, the Volvo XC90 is cheapest to insure at $1,708 per year, or $142 per month.

          The comparison table below ranks the SUVs with the cheapest average auto insurance rates in Chicago, starting with the Acura RDX at $113 per month and ending with the Land Rover Defender at $141 per month.

          Cheapest Luxury SUV Insurance in Chicago
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,356$113
          Cadillac XT4Compact$1,402$117
          Volvo XC40Compact$1,432$119
          Volvo V60Midsize$1,520$127
          Cadillac XT5Midsize$1,558$130
          Lincoln CorsairCompact$1,582$132
          Lexus UX 250HCompact$1,592$133
          Lincoln NautilusMidsize$1,600$133
          Volvo XC60Compact$1,608$134
          Lexus RX 350Midsize$1,632$136
          Lexus UX 200Compact$1,632$136
          Mercedes-Benz GLB 250Compact$1,632$136
          BMW X1Compact$1,634$136
          Infiniti QX50Midsize$1,636$136
          Lexus NX 300Compact$1,642$137
          Jaguar E-PaceMidsize$1,646$137
          Mercedes-Benz GLC300Compact$1,652$138
          Lexus RX 350LMidsize$1,676$140
          Cadillac XT6Midsize$1,694$141
          Land Rover DefenderCompact$1,696$141

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Chicago, IL.
            Cheapest Luxury SUV Insurance in Chicago

            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 $1,382 per year. Second place is the Ford Mustang costing $1,686 per year, and the third most affordable is the Audi TT, at an average of $1,798 per year.

            Other models that have cheaper rates are the Chevrolet Corvette, Subaru BRZ, Porsche 718, and Toyota Supra, with average rates of $2,038 per year or less.

            From a cost per month standpoint, auto insurance rates on this segment in Chicago starts at around $115 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 $1,382 per year ($115 per month) and ending with the Mercedes-Benz Maybach at $3,234 per year ($270 per month).

            Cheapest Sports Car Insurance in Chicago
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$1,382$115
            Ford MustangSports Car$1,686$141
            Audi TTSports Car$1,798$150
            Subaru WRXSports Car$1,820$152
            Nissan 370ZSports Car$1,850$154
            Toyota SupraSports Car$1,860$155
            Subaru BRZSports Car$1,944$162
            Porsche 718Sports Car$1,982$165
            Chevrolet CorvetteSports Car$1,988$166
            Chevrolet CamaroSports Car$2,038$170
            Dodge ChallengerSports Car$2,186$182
            Jaguar F-TypeSports Car$2,466$206
            Lexus LC 500Sports Car$2,558$213
            Porsche 911Sports Car$2,652$221
            Acura NSXSports Car$3,022$252
            BMW i8Sports Car$3,024$252
            Audi R8Sports Car$3,250$271
            Nissan GT-RSports Car$3,256$271

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Chicago, IL.
              Cheapest Sports Car Insurance in Chicago

              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 Toyota Tacoma, GMC Canyon, Ford Ranger, Chevrolet Colorado, and Nissan Frontier. Rates for these vehicles average $1,522 or less per year, or around $127 per month.

              Also ranking in the top 10 are trucks like the Ford F150, Toyota Tundra, Honda Ridgeline, and Jeep Gladiator, with an average cost to insure of $1,682 per year or less.

              As a cost per month, auto insurance rates in this segment for an average middle-age driver starts at around $111 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 $1,334 per year ($111 per month) and ending with the Ram Truck 2500 at $1,930 per year ($161 per month).

              Cheapest Pickup Insurance in Chicago
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Chevrolet ColoradoMidsize$1,334$111
              Nissan FrontierMidsize$1,396$116
              Ford RangerMidsize$1,402$117
              Toyota TacomaMidsize$1,404$117
              GMC CanyonMidsize$1,522$127
              Jeep GladiatorMidsize$1,536$128
              Honda RidgelineMidsize$1,550$129
              Ford F150Full-size$1,584$132
              Toyota TundraFull-size$1,620$135
              GMC SierraFull-size$1,682$140
              Ram TruckFull-size$1,718$143
              Nissan TitanFull-size$1,722$144
              Chevrolet SilveradoFull-size$1,754$146
              Chevrolet Silverado HD 3500Heavy Duty$1,786$149
              GMC Sierra 2500 HDHeavy Duty$1,856$155
              Chevrolet Silverado HD 2500Heavy Duty$1,866$156
              GMC Sierra 3500Heavy Duty$1,906$159
              Ford F250 Super DutyHeavy Duty$1,928$161
              Ford F350 Super DutyHeavy Duty$1,930$161
              Ram Truck 2500Heavy Duty$1,930$161

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Chicago, IL.
                Cheapest Pickup Insurance in Chicago

                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

                In Chicago, Chevrolet Silverado insurance costs an average of $1,754 per year, or about $146 per month, and ranges from $1,456 to $4,012 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
                Chevrolet Silverado Insurance Cost in Chicago
                Chevrolet Silverado Insurance Cost in Chicago, IL
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,012$334
                Safe Driver Age 20$3,510$293
                At-fault Accidents Age 40$2,490$208
                Low Deductibles Age 40$2,264$189
                Safe Driver Age 30$1,842$154
                Safe Driver Age 40$1,754$146
                Safe Driver Age 50$1,602$134
                Safe Driver Age 60$1,572$131
                High Deductibles Age 40$1,494$125
                Discount Rate Age 40$1,456$121

                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

                In Chicago, Honda Civic insurance averages $1,440 per year (about $120 per month) and has a range of $1,198 to $3,238 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
                Honda Civic Insurance Cost in Chicago
                Honda Civic Insurance Cost in Chicago, IL
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,238$270
                Safe Driver Age 20$2,838$237
                At-fault Accidents Age 40$2,024$169
                Low Deductibles Age 40$1,856$155
                Safe Driver Age 30$1,514$126
                Safe Driver Age 40$1,440$120
                Safe Driver Age 50$1,310$109
                Safe Driver Age 60$1,284$107
                High Deductibles Age 40$1,224$102
                Discount Rate Age 40$1,198$100

                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

                In Chicago, Honda Pilot insurance averages $1,462 per year, or about $122 per month, and has a range of $1,216 to $3,324 annually.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
                Honda Pilot Insurance Cost in Chicago
                Honda Pilot Insurance Cost in Chicago, IL
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,324$277
                Safe Driver Age 20$2,914$243
                At-fault Accidents Age 40$2,052$171
                Low Deductibles Age 40$1,944$162
                Safe Driver Age 30$1,552$129
                Safe Driver Age 40$1,462$122
                Safe Driver Age 50$1,332$111
                Safe Driver Age 60$1,310$109
                High Deductibles Age 40$1,218$102
                Discount Rate Age 40$1,216$101

                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 $418 per year. Major misdemeanor violations such as reckless driving could raise rates by an additional $1,458 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 $48 and $161 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 $2,224 per year for a 20-year-old driver and even $508 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 $272 per year.