Chicago Car Insurance (2022 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 $1,656 per year, or around $138 per month. When compared to the overall national average rate, Chicago car insurance cost is 6.8% more expensive per year.

In the state of Illinois, the average cost of car insurance is $1,232 per year, so the cost in Chicago averages $424 more per year. When prices are compared to other locations in Illinois, the average cost to insure a vehicle in Chicago is approximately $416 per year more expensive than in Naperville, $354 per year more than in Rockford, and $388 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 – $5,930 per year or $494 per month
  • 17 year old – $5,540 per year or $462 per month
  • 18 year old – $5,172 per year or $431 per month
  • 19 year old – $4,678 per year or $390 per month
  • 20 year old – $3,286 per year or $274 per month
  • 30 year old – $1,742 per year or $145 per month
  • 40 year old – $1,656 per year or $138 per month
  • 50 year old – $1,510 per year or $126 per month
  • 60 year old – $1,480 per year or $123 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 2022 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.Data last updated on May 19, 2022
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$3,750$313
Safe Driver Age 20$3,286$274
At-fault Accidents Age 40$2,332$194
Low Deductibles Age 40$2,150$179
Safe Driver Age 30$1,742$145
Safe Driver Age 40$1,656$138
Safe Driver Age 50$1,510$126
Safe Driver Age 60$1,480$123
High Deductibles Age 40$1,400$117
Discount Rate Age 40$1,374$115

Average rates in the chart range from $1,374 per year for a middle-aged driver who qualifies for a cheap discount rate to $3,750 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 $1,656 per year.

As a monthly expense, the average cost of auto insurance in Chicago ranges from $115 to $313 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 2022 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 2022 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.Data last updated on March 24, 2022
Chicago Car Insurance Rates for Popular Vehicles
Chicago Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,330$111
Honda CR-V$1,450$121
Toyota Tacoma$1,540$128
Hyundai Tucson$1,540$128
Chevrolet Equinox$1,550$129
Toyota RAV4$1,564$130
Ford F150$1,602$134
Nissan Rogue$1,622$135
Toyota Camry$1,628$136
Toyota Corolla$1,630$136
GMC Sierra$1,686$141
Kia Forte$1,696$141
Chevrolet Traverse$1,706$142
Honda Accord$1,726$144
Ford Mustang$1,748$146
Chevrolet Silverado$1,780$148
Jeep Cherokee$1,838$153
Hyundai Elantra$1,870$156
Ram Truck$1,896$158

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 $4,158 to $5,930 per year for teenage driver insurance in Chicago.
  • Chicago car insurance rates are more expensive than the Illinois state average – $1,656 (Chicago average) versus $1,232 (Illinois average)
  • Cost per month ranges from $128 to $512 – 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 $474 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 $1,870 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 Nissan Kicks, Chevrolet Trailblazer, and Toyota C-HR. Average car insurance prices for those models cost $1,380 or less per year, or $115 per month, for full coverage.

Examples of other vehicles that are ranked high in the cost comparison table below are the Subaru Forester, Subaru Ascent, Buick Envision, and Toyota Corolla Cross.

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 $1,436 or less per year, or $120 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-5$1,260$105
2Nissan Kicks$1,292$108
3Chevrolet Trailblazer$1,298$108
4Subaru Crosstrek$1,330$111
5Honda Passport$1,332$111
6Chevrolet Colorado$1,364$114
7Buick Encore$1,368$114
8Toyota C-HR$1,368$114
9Nissan Rogue Sport$1,380$115
10Hyundai Venue$1,408$117
11Buick Envision$1,410$118
12Kia Seltos$1,410$118
13Ford Maverick$1,416$118
14Acura RDX$1,420$118
15Toyota Corolla Cross$1,420$118
16Subaru Ascent$1,422$119
17Hyundai Kona$1,434$120
18Subaru Forester$1,434$120
19Mazda MX-5 Miata$1,436$120
20Subaru Impreza$1,436$120
21Volkswagen Tiguan$1,436$120
22Chevrolet Spark$1,444$120
23Honda CR-V$1,450$121
24Cadillac XT4$1,456$121
25Mazda CX-30$1,466$122
26Ford Ranger$1,474$123
27Honda HR-V$1,490$124
28Ford Edge$1,494$125
29Ford Ecosport$1,502$125
30Chevrolet Trax$1,520$127

    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.Data last updated on March 24, 2022
    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 2022 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.Data last updated on April 12, 2022
    Average Chicago Car Insurance Rates by Automotive Segment
    Chicago Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,548$129
    Midsize Pickup$1,588$132
    Minivan$1,668$139
    Midsize SUV$1,676$140
    Compact Car$1,704$142
    Midsize Car$1,726$144
    Half-ton Pickup$1,802$150
    Compact Luxury SUV$1,862$155
    Large SUV$1,868$156
    Compact Luxury Car$1,880$157
    Large Car$1,914$160
    Heavy Duty Pickup$1,976$165
    Midsize Luxury SUV$2,000$167
    Midsize Luxury Car$2,190$183
    Sports Car$2,338$195
    Large Luxury SUV$2,504$209
    Large Luxury Car$2,616$218

    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 Subaru Legacy costing $1,604 per year to the Kia Stinger costing $1,952 per year. Also, in the midsize truck segment, rates range from the Chevrolet Colorado costing $1,364 per year to the Rivian R1T costing $2,108 per year, a difference of $744 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 Subaru Legacy, Volkswagen Jetta, Volkswagen Golf, Subaru Impreza, and Chevrolet Spark. Car insurance quotes for these 2022 models average $1,612 or less per year, or around $134 per month.

    Rounding out the top 10 are cars like the Kia K5, Nissan Sentra, Toyota Corolla, and Toyota Camry, with average insurance cost of $1,628 per year or less.

    Car insurance in this segment for a safe driver starts at around $120 per month, depending on the company.

    When rates are compared by vehicle size, the cheapest compact car to insure in Chicago is the Subaru Impreza at $1,436 per year, or $120 per month. For midsize 2022 models, the Subaru Legacy has the best rates at $1,604 per year, or $134 per month. And for full-size cars, the Toyota Avalon has the cheapest rates at $1,740 per year, or $145 per month.

    The next table ranks the cars with the cheapest car insurance in Chicago, starting with the Subaru Impreza at $120 per month and ending with the Chevrolet Malibu at $144 per month.

    Cheapest Car Insurance in Chicago
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,436$120
    Chevrolet SparkCompact$1,444$120
    Volkswagen GolfCompact$1,592$133
    Subaru LegacyMidsize$1,604$134
    Honda InsightMidsize$1,610$134
    Volkswagen JettaCompact$1,612$134
    Nissan SentraCompact$1,616$135
    Kia K5Midsize$1,628$136
    Toyota CamryMidsize$1,628$136
    Toyota CorollaCompact$1,630$136
    Kia RioCompact$1,636$136
    Volkswagen PassatMidsize$1,636$136
    Honda CivicCompact$1,640$137
    Mazda 3Compact$1,642$137
    Mazda 6Midsize$1,650$138
    Toyota PriusCompact$1,654$138
    Hyundai AccentCompact$1,676$140
    Hyundai VelosterCompact$1,692$141
    Kia ForteCompact$1,696$141
    Chevrolet MalibuMidsize$1,722$144

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 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.Data last updated on March 24, 2022
      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 $1,848 per year ($154 per month), the Volkswagen Jetta costing $1,612 ($134 per month), and the Toyota Avalon at an average of $1,740 ($145 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-5, costing $1,260 per year. Second place is the Nissan Kicks at $1,292 per year, third place goes to the Chevrolet Trailblazer, at an average of $1,298 per year, and ranking fourth is the Subaru Crosstrek, costing an average of $1,330 per year.

      Other SUVs that have good average insurance rates include the Nissan Rogue Sport, Hyundai Venue, Buick Encore, and Toyota C-HR, with average cost of $1,410 per year or less.

      Some additional vehicles that rank well include the Hyundai Kona, Kia Seltos, Mazda CX-30, Toyota Corolla Cross, and Ford Edge, which cost between $1,410 and $1,494 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 $105 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-5 at $1,260 per year and ending with the Ford Edge at $1,494 per year.

      Cheapest SUV Insurance in Chicago
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,260$105
      Nissan KicksCompact$1,292$108
      Chevrolet TrailblazerCompact$1,298$108
      Subaru CrosstrekCompact$1,330$111
      Honda PassportMidsize$1,332$111
      Buick EncoreCompact$1,368$114
      Toyota C-HRCompact$1,368$114
      Nissan Rogue SportCompact$1,380$115
      Hyundai VenueCompact$1,408$117
      Buick EnvisionCompact$1,410$118
      Kia SeltosCompact$1,410$118
      Toyota Corolla CrossCompact$1,420$118
      Subaru AscentMidsize$1,422$119
      Hyundai KonaCompact$1,434$120
      Subaru ForesterCompact$1,434$120
      Volkswagen TiguanCompact$1,436$120
      Honda CR-VCompact$1,450$121
      Mazda CX-30Compact$1,466$122
      Honda HR-VCompact$1,490$124
      Ford EdgeMidsize$1,494$125

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 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.Data last updated on March 24, 2022
        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 $1,622 per year, the Ford Escape at $1,630, and the Ford Explorer costing an average of $1,558.

        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, BMW 330i, Acura TLX, and Volvo S60. The 2022 model averages $1,524 per year for a policy with full coverage.

        Additional models that are affordable to insure are the Lexus RC 300, Alfa Romeo Giulia, BMW 230i, and BMW 330e, with an average car insurance cost of $1,838 per year or less.

        Auto insurance in Chicago for this segment for a good driver starts at an average of $127 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 $1,626 per year. For midsize luxury models, the Acura ILX is the cheapest model to insure at $1,524 per year. And for full-size models, the Audi A5 is most affordable to insure at $1,946 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 $1,524 per year and ending with the Audi S3 at $1,924 per year.

        Cheapest Luxury Car Insurance in Chicago
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,524$127
        Mercedes-Benz A220Compact$1,626$136
        BMW 330iCompact$1,748$146
        Acura TLXCompact$1,762$147
        Volvo S60Compact$1,776$148
        BMW 330eCompact$1,784$149
        BMW 228iCompact$1,792$149
        BMW 230iCompact$1,804$150
        Lexus RC 300Midsize$1,836$153
        Alfa Romeo GiuliaCompact$1,838$153
        Cadillac CT4Compact$1,842$154
        Lexus RC 350Compact$1,846$154
        Genesis G70Compact$1,872$156
        Mercedes-Benz AMG CLA35Midsize$1,880$157
        BMW i4Midsize$1,888$157
        Cadillac CT5Midsize$1,896$158
        Audi A3Midsize$1,916$160
        Audi A4Compact$1,920$160
        Mercedes-Benz AMG CLA45Midsize$1,922$160
        Audi S3Compact$1,924$160

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 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.Data last updated on March 13, 2022
          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, Cadillac XT5, and Lexus NX 250. The 2022 model has an average cost of $1,420 per year to insure for full coverage.

          Additional models that have cheaper rates include the Lexus NX 350, Lexus UX 250h, Lexus NX 350h, and BMW X1, with average insurance cost of $1,694 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 $118 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 $1,420 per year, or $118 per month. For midsize luxury SUVs, the Cadillac XT5 is the cheapest model to insure at $1,628 per year, or $136 per month. And for full-size luxury SUVs, the Volvo XC90 is cheapest to insure at $1,792 per year, or $149 per month.

          The comparison table below ranks the SUVs with the cheapest average auto insurance rates in Chicago, starting with the Acura RDX at $118 per month and ending with the Lincoln Corsair at $146 per month.

          Cheapest Luxury SUV Insurance in Chicago
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,420$118
          Cadillac XT4Compact$1,456$121
          Volvo XC40Compact$1,596$133
          Cadillac XT5Midsize$1,628$136
          Lexus NX 250Compact$1,646$137
          BMW X1Compact$1,650$138
          Lexus NX 350hCompact$1,658$138
          Lexus UX 250hCompact$1,658$138
          Lexus NX 350Compact$1,686$141
          Lexus UX 200Compact$1,694$141
          Jaguar E-PaceMidsize$1,696$141
          Lexus RX 350Midsize$1,706$142
          Acura MDXMidsize$1,714$143
          Lincoln NautilusMidsize$1,728$144
          Lexus NX 450hCompact$1,732$144
          Mercedes-Benz GLB 250Compact$1,742$145
          Lexus RX 450hMidsize$1,746$146
          Infiniti QX50Midsize$1,752$146
          Land Rover EvoqueCompact$1,752$146
          Lincoln CorsairCompact$1,754$146

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 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.Data last updated on March 13, 2022
            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 $1,436 per year. Second place is the Ford Mustang costing $1,748 per year, and the third most affordable is the BMW Z4, at an average of $1,782 per year.

            Other models that have cheaper rates are the Subaru BRZ, Audi TT, Chevrolet Corvette, and Toyota GR Supra, with average rates of $2,146 per year or less.

            From a cost per month standpoint, auto insurance rates on this segment in Chicago starts at around $120 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 $1,436 per year ($120 per month) and ending with the Lexus LC 500 at $2,732 per year ($228 per month).

            Cheapest Sports Car Insurance in Chicago
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$1,436$120
            Ford MustangSports Car$1,748$146
            BMW Z4Sports Car$1,782$149
            Subaru WRXSports Car$1,884$157
            Toyota GR86Sports Car$1,932$161
            Toyota GR SupraSports Car$1,974$165
            Audi TTSports Car$2,018$168
            Subaru BRZSports Car$2,078$173
            Chevrolet CorvetteSports Car$2,088$174
            BMW M3Sports Car$2,146$179
            Porsche 718Sports Car$2,240$187
            Chevrolet CamaroSports Car$2,292$191
            Lexus RC FSports Car$2,340$195
            Dodge ChallengerSports Car$2,358$197
            Mercedes-Benz AMG GT53Sports Car$2,390$199
            Jaguar F-TypeSports Car$2,504$209
            Porsche TaycanSports Car$2,568$214
            Porsche 911Sports Car$2,632$219
            BMW M4Sports Car$2,638$220
            Lexus LC 500Sports Car$2,732$228

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 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.Data last updated on April 2, 2022
              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, Nissan Frontier, Ford Ranger, Chevrolet Colorado, and Ford Maverick. Rates for these vehicles average $1,578 or less per year, or around $132 per month.

              Also ranking in the top 10 are trucks like the Ford F150, Honda Ridgeline, Hyundai Santa Cruz, and GMC Canyon, with an average cost to insure of $1,628 per year or less.

              As a cost per month, auto insurance rates in this segment for an average middle-age driver starts at around $114 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 $1,364 per year ($114 per month) and ending with the GMC Sierra 3500 at $1,946 per year ($162 per month).

              Cheapest Pickup Insurance in Chicago
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Chevrolet ColoradoMidsize$1,364$114
              Ford MaverickMidsize$1,416$118
              Ford RangerMidsize$1,474$123
              Toyota TacomaMidsize$1,540$128
              Nissan FrontierMidsize$1,578$132
              GMC CanyonMidsize$1,588$132
              Hyundai Santa CruzMidsize$1,594$133
              Ford F150Full-size$1,602$134
              Honda RidgelineMidsize$1,612$134
              Jeep GladiatorMidsize$1,628$136
              GMC SierraFull-size$1,686$141
              Nissan TitanFull-size$1,750$146
              Chevrolet SilveradoFull-size$1,780$148
              Toyota TundraFull-size$1,782$149
              Ford F350 Super DutyHeavy Duty$1,800$150
              Chevrolet Silverado HD 3500Heavy Duty$1,810$151
              Nissan Titan XDHeavy Duty$1,862$155
              Ram TruckFull-size$1,896$158
              GMC Sierra 2500 HDHeavy Duty$1,932$161
              GMC Sierra 3500Heavy Duty$1,946$162

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 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.Data last updated on March 9, 2022
                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

                Chevrolet Silverado insurance in Chicago averages $1,780 per year, with rates ranging from a low of $1,570 per year on the Silverado WT Regular Cab 4WD trim up to $1,948 per year for the Silverado High Country Crew Cab 4WD trim.

                As a cost per month, full-coverage auto insurance on the Chevrolet Silverado for the average driver can range from $131 to $162 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 $1,474 to $4,078 per year, which is a cost difference of $2,604 per year due primarily to driver risk.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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.Data last updated on May 19, 2022
                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$4,078$340
                Safe Driver Age 20$3,568$297
                At-fault Accidents Age 40$2,532$211
                Low Deductibles Age 40$2,302$192
                Safe Driver Age 30$1,870$156
                Safe Driver Age 40$1,780$148
                Safe Driver Age 50$1,622$135
                Safe Driver Age 60$1,594$133
                High Deductibles Age 40$1,516$126
                Discount Rate Age 40$1,474$123

                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 $1,640 per year, with a range of $1,524 per year for the Civic LX trim level up to $1,794 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 $132 to $154 less 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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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.Data last updated on May 19, 2022
                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$3,698$308
                Safe Driver Age 20$3,238$270
                At-fault Accidents Age 40$2,310$193
                Low Deductibles Age 40$2,108$176
                Safe Driver Age 30$1,722$144
                Safe Driver Age 40$1,640$137
                Safe Driver Age 50$1,492$124
                Safe Driver Age 60$1,464$122
                High Deductibles Age 40$1,396$116
                Discount Rate Age 40$1,360$113

                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 $1,566 up to $1,772 per year. The least-expensive insurance rates are on the $37,580 Pilot Sport trim level, while the trim with the most expensive average rate is the $51,370 Pilot Black Edition 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 $134 to $154 less 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 $1,396 to $3,836 per year, which is a price difference of $2,440 to insure the same vehicle with different rated drivers.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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.Data last updated on May 19, 2022
                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$3,836$320
                Safe Driver Age 20$3,358$280
                At-fault Accidents Age 40$2,370$198
                Low Deductibles Age 40$2,214$185
                Safe Driver Age 30$1,776$148
                Safe Driver Age 40$1,680$140
                Safe Driver Age 50$1,530$128
                Safe Driver Age 60$1,506$126
                High Deductibles Age 40$1,404$117
                Discount Rate Age 40$1,396$116

                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 $432 per year. Major misdemeanor violations such as reckless driving could raise rates by an additional $1,516 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 $50 and $173 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 $2,308 per year for a 20-year-old driver and even $528 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 $282 per year.