Chicago Car Insurance (2023 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 $1,838 per year, or around $153 per month. When compared to the overall national average rate, Chicago car insurance cost is 9.1% more expensive per year.

In the state of Illinois, the average cost of car insurance is $1,546 per year, so the cost in Chicago averages $292 more per year. When prices are compared to other locations in Illinois, the average cost to insure a vehicle in Chicago is approximately $430 per year more expensive than in Naperville, $366 per year more than in Rockford, and $402 per year more expensive than in Aurora.

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

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

  • 16 year old – $6,588 per year or $549 per month
  • 17 year old – $6,162 per year or $514 per month
  • 18 year old – $5,754 per year or $480 per month
  • 19 year old – $5,210 per year or $434 per month
  • 20 year old – $3,658 per year or $305 per month
  • 30 year old – $1,936 per year or $161 per month
  • 40 year old – $1,838 per year or $153 per month
  • 50 year old – $1,674 per year or $140 per month
  • 60 year old – $1,642 per year or $137 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 2023 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 December 30, 2022
Chicago, IL Car Insurance Cost Summary
2023 Average Car Insurance Cost in Chicago, IL
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,178$348
Safe Driver Age 20$3,658$305
At-fault Accidents Age 40$2,594$216
Low Deductibles Age 40$2,398$200
Safe Driver Age 30$1,936$161
Safe Driver Age 40$1,838$153
Safe Driver Age 50$1,674$140
Safe Driver Age 60$1,642$137
High Deductibles Age 40$1,550$129
Discount Rate Age 40$1,526$127

Average rates in the chart range from $1,526 per year for a middle-aged driver who qualifies for a cheap discount rate to $4,178 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 $1,838 per year.

As a monthly expense, the average cost of auto insurance in Chicago ranges from $127 to $348 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 2023 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 2023 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 December 29, 2022
Chicago Car Insurance Rates for Popular Vehicles
Chicago Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,404$117
Honda CR-V$1,556$130
Chevrolet Equinox$1,656$138
Toyota Tacoma$1,682$140
Hyundai Tucson$1,686$141
Nissan Rogue$1,692$141
Toyota RAV4$1,702$142
Toyota Corolla$1,728$144
Toyota Camry$1,748$146
Chevrolet Traverse$1,758$147
Kia Forte$1,804$150
Honda Accord$1,860$155
Ford F150$1,870$156
Ford Mustang$1,994$166
Jeep Cherokee$1,996$166
GMC Sierra$2,008$167
Hyundai Elantra$2,010$168
Chevrolet Silverado$2,012$168
Ram Truck$2,012$168

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 $4,634 to $6,588 per year for teenage driver insurance in Chicago.
  • Chicago car insurance rates are more expensive than the Illinois state average – $1,838 (Chicago average) versus $1,546 (Illinois average)
  • Cost per month ranges from $137 to $549 – 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 $514 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 $2,016 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 Subaru Crosstrek, Nissan Kicks, and Mazda CX-5. Average car insurance prices for those models cost $1,468 or less per year, or $122 per month, for full coverage.

Examples of other vehicles that are ranked high in the cost comparison table below are the Ford Edge, Acura RDX, Hyundai Venue, and Chevrolet Colorado.

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 $1,556 or less per year, or $130 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
1Chevrolet Trailblazer$1,390$116
2Subaru Crosstrek$1,404$117
3Nissan Kicks$1,408$117
4Honda Passport$1,430$119
5Nissan Rogue Sport$1,432$119
6Mazda CX-5$1,444$120
7Buick Encore$1,462$122
8Buick Envision$1,468$122
9Kia Seltos$1,488$124
10Subaru Ascent$1,496$125
11Hyundai Venue$1,502$125
12Subaru Impreza$1,520$127
13Ford Maverick$1,528$127
14Honda HR-V$1,530$128
15Acura RDX$1,532$128
16Chevrolet Colorado$1,532$128
17Hyundai Kona$1,540$128
18Subaru Forester$1,550$129
19Ford Edge$1,556$130
20Honda CR-V$1,556$130
21Mazda CX-30$1,562$130
22Ford Explorer$1,564$130
23Volkswagen Atlas$1,568$131
24Nissan Murano$1,576$131
25Chevrolet Trax$1,580$132
26Subaru Outback$1,580$132
27Nissan Frontier$1,588$132
28Volkswagen Tiguan$1,594$133
29Ford Bronco Sport$1,600$133
30GMC Terrain$1,630$136

    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 December 29, 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 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 2023 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 December 30, 2022
    Average Chicago Car Insurance Rates by Automotive Segment
    Chicago Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,676$140
    Midsize Pickup$1,738$145
    Midsize SUV$1,796$150
    Minivan$1,802$150
    Compact Car$1,832$153
    Midsize Car$1,876$156
    Compact Luxury SUV$1,990$166
    Half-ton Pickup$1,996$166
    Large SUV$2,010$168
    Compact Luxury Car$2,024$169
    Heavy Duty Pickup$2,114$176
    Midsize Luxury SUV$2,136$178
    Large Car$2,138$178
    Midsize Luxury Car$2,338$195
    Sports Car$2,514$210
    Large Luxury SUV$2,704$225
    Large Luxury Car$2,838$237

    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 $1,692 per year to the Kia Stinger costing $2,086 per year. Also, in the midsize truck segment, rates range from the Ford Maverick costing $1,528 per year to the Rivian R1T costing $2,288 per year, a difference of $760 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, Toyota Corolla, Subaru Legacy, Subaru Impreza, and Volkswagen Jetta. Car insurance quotes for these 2023 models average $1,728 or less per year, or around $144 per month.

    Rounding out the top 10 are cars like the Toyota Camry, Toyota Prius, Mazda 3, and Kia K5, with average insurance cost of $1,776 per year or less.

    Car insurance in this segment for a safe driver starts at around $127 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 $1,520 per year, or $127 per month. For midsize 2023 models, the Subaru Legacy has the best rates at $1,692 per year, or $141 per month. And for full-size cars, the Chrysler 300 has the cheapest rates at $1,790 per year, or $149 per month.

    The next table ranks the cars with the cheapest car insurance in Chicago, starting with the Subaru Impreza at $127 per month and ending with the Volkswagen Arteon at $161 per month.

    Cheapest Car Insurance in Chicago
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,520$127
    Volkswagen JettaCompact$1,680$140
    Subaru LegacyMidsize$1,692$141
    Nissan SentraCompact$1,706$142
    Toyota CorollaCompact$1,728$144
    Toyota PriusCompact$1,730$144
    Volkswagen GolfCompact$1,730$144
    Toyota CamryMidsize$1,748$146
    Mazda 3Compact$1,766$147
    Kia K5Midsize$1,776$148
    Chevrolet MalibuMidsize$1,790$149
    Chrysler 300Full-size$1,790$149
    Honda CivicCompact$1,798$150
    Kia ForteCompact$1,804$150
    Mitsubishi Mirage G4Compact$1,812$151
    Nissan LeafCompact$1,856$155
    Honda AccordMidsize$1,860$155
    Toyota CrownMidsize$1,864$155
    Tesla Model 3Midsize$1,880$157
    Volkswagen ArteonMidsize$1,932$161

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 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 December 30, 2022
      Cheapest Car Insurance in Chicago

      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 Chevrolet Trailblazer, costing $1,390 per year. Second place is the Subaru Crosstrek at $1,404 per year, third place goes to the Nissan Kicks, at an average of $1,408 per year, and ranking fourth is the Honda Passport, costing an average of $1,430 per year.

      Other SUVs that have good average insurance rates include the Buick Envision, Kia Seltos, Buick Encore, and Mazda CX-5, with average cost of $1,496 per year or less.

      Some additional vehicles that rank well include the Subaru Forester, Hyundai Venue, Ford Explorer, Honda HR-V, and Chevrolet Trax, which cost between $1,496 and $1,580 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 $116 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 Chevrolet Trailblazer at $1,390 per year and ending with the Chevrolet Trax at $1,580 per year.

      Cheapest SUV Insurance in Chicago
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Chevrolet TrailblazerCompact$1,390$116
      Subaru CrosstrekCompact$1,404$117
      Nissan KicksCompact$1,408$117
      Honda PassportMidsize$1,430$119
      Nissan Rogue SportCompact$1,432$119
      Mazda CX-5Compact$1,444$120
      Buick EncoreCompact$1,462$122
      Buick EnvisionCompact$1,468$122
      Kia SeltosCompact$1,488$124
      Subaru AscentMidsize$1,496$125
      Hyundai VenueCompact$1,502$125
      Honda HR-VCompact$1,530$128
      Hyundai KonaCompact$1,540$128
      Subaru ForesterCompact$1,550$129
      Ford EdgeMidsize$1,556$130
      Honda CR-VCompact$1,556$130
      Mazda CX-30Compact$1,562$130
      Ford ExplorerMidsize$1,564$130
      Volkswagen AtlasMidsize$1,568$131
      Nissan MuranoMidsize$1,576$131

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 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 December 30, 2022
        Cheapest SUV Insurance in Chicago

        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, Acura TLX, Cadillac CT4, and Genesis G70. The 2023 model averages $1,650 per year for a policy with full coverage.

        Additional models that are affordable to insure are the Lexus ES 250, BMW 228i, BMW 330e, and Cadillac CT5, with an average car insurance cost of $2,002 per year or less.

        Auto insurance in Chicago for this segment for a good driver starts at an average of $138 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 $1,650 per year. For midsize luxury models, the Cadillac CT5 is the cheapest model to insure at $1,980 per year. And for full-size models, the Audi A5 is most affordable to insure at $2,062 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 $1,650 per year and ending with the Volvo S60 at $2,056 per year.

        Cheapest Luxury Car Insurance in Chicago
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura IntegraCompact$1,650$138
        BMW 330iCompact$1,866$156
        Acura TLXCompact$1,896$158
        Cadillac CT4Compact$1,918$160
        Genesis G70Compact$1,956$163
        Cadillac CT5Midsize$1,980$165
        Lexus ES 350Midsize$1,982$165
        BMW 330eCompact$1,992$166
        Lexus ES 250Midsize$1,998$167
        Lexus RC 300Midsize$1,998$167
        BMW 228iCompact$2,002$167
        Mercedes-Benz AMG CLA35Midsize$2,002$167
        Audi A3Midsize$2,012$168
        BMW 230iCompact$2,016$168
        Mercedes-Benz C300Compact$2,028$169
        Audi A4Compact$2,034$170
        Lexus RC 350Compact$2,038$170
        Mercedes-Benz AMG CLA45Midsize$2,048$171
        Audi S3Compact$2,050$171
        Volvo S60Compact$2,056$171

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 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 December 30, 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 Lexus RX 350, Cadillac XT4, Volvo XC40, and Infiniti QX50. The 2023 model has an average cost of $1,532 per year to insure for full coverage.

          Additional models that have cheaper rates include the Cadillac XT6, Mercedes-Benz GLA250, Cadillac XT5, and Lexus UX 250h, with average insurance cost of $1,788 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 $128 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 $1,532 per year, or $128 per month. For midsize luxury SUVs, the Lexus RX 350 is the cheapest model to insure at $1,646 per year, or $137 per month. And for full-size luxury SUVs, the Volvo XC90 is cheapest to insure at $1,896 per year, or $158 per month.

          The comparison table below ranks the SUVs with the cheapest average auto insurance rates in Chicago, starting with the Acura RDX at $128 per month and ending with the Mercedes-Benz GLC300 at $156 per month.

          Cheapest Luxury SUV Insurance in Chicago
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,532$128
          Lexus RX 350Midsize$1,646$137
          Cadillac XT4Compact$1,656$138
          Volvo XC40Compact$1,692$141
          Infiniti QX50Midsize$1,700$142
          Lexus UX 250hCompact$1,718$143
          Cadillac XT5Midsize$1,746$146
          Mercedes-Benz GLA250Compact$1,782$149
          Cadillac XT6Midsize$1,788$149
          Mercedes-Benz GLB 250Compact$1,788$149
          Lexus NX 250Compact$1,810$151
          Acura MDXMidsize$1,830$153
          Lexus NX 350hCompact$1,832$153
          Lexus NX 350Compact$1,844$154
          Lexus NX 450hCompact$1,848$154
          Lincoln CorsairCompact$1,848$154
          Alfa Romeo TonaleCompact$1,864$155
          Lincoln NautilusMidsize$1,864$155
          BMW X1Compact$1,868$156
          Mercedes-Benz GLC300Compact$1,870$156

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 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 December 30, 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 $1,698 per year. Second place is the Audi TT costing $1,904 per year, and the third most affordable is the Ford Mustang, at an average of $1,994 per year.

            Other models that have cheaper rates are the BMW M2, Toyota GR Supra, Toyota GR86, and Nissan Z, with average rates of $2,218 per year or less.

            From a cost per month standpoint, auto insurance rates on this segment in Chicago starts at around $142 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 $1,698 per year ($142 per month) and ending with the Lexus LC 500 at $2,766 per year ($231 per month).

            Cheapest Sports Car Insurance in Chicago
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$1,698$142
            Audi TTSports Car$1,904$159
            Ford MustangSports Car$1,994$166
            BMW Z4Sports Car$2,010$168
            Subaru WRXSports Car$2,032$169
            Nissan ZSports Car$2,064$172
            Toyota GR SupraSports Car$2,098$175
            BMW M2Sports Car$2,124$177
            Toyota GR86Sports Car$2,124$177
            Subaru BRZSports Car$2,218$185
            Chevrolet CorvetteSports Car$2,270$189
            BMW M3Sports Car$2,320$193
            Lexus RC FSports Car$2,366$197
            Porsche 718Sports Car$2,370$198
            Chevrolet CamaroSports Car$2,408$201
            Mercedes-Benz AMG GT53Sports Car$2,548$212
            Jaguar F-TypeSports Car$2,640$220
            Porsche TaycanSports Car$2,696$225
            BMW M4Sports Car$2,734$228
            Lexus LC 500Sports Car$2,766$231

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 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 December 30, 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 Ford Ranger, GMC Canyon, Nissan Frontier, Ford Maverick, and Chevrolet Colorado. Rates for these vehicles average $1,672 or less per year, or around $139 per month.

              Also ranking in the top 10 are trucks like the Nissan Titan, Honda Ridgeline, Hyundai Santa Cruz, and Toyota Tacoma, with an average cost to insure of $1,870 per year or less.

              As a cost per month, auto insurance rates in this segment for an average middle-age driver starts at around $127 per month, depending on the company. The table below ranks the twenty pickups with the lowest-cost car insurance in Chicago, starting with the Ford Maverick at $1,528 per year ($127 per month) and ending with the Nissan Titan XD at $2,056 per year ($171 per month).

              Cheapest Pickup Insurance in Chicago
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Ford MaverickMidsize$1,528$127
              Chevrolet ColoradoMidsize$1,532$128
              Nissan FrontierMidsize$1,588$132
              Ford RangerMidsize$1,634$136
              GMC CanyonMidsize$1,672$139
              Toyota TacomaMidsize$1,682$140
              Hyundai Santa CruzMidsize$1,710$143
              Nissan TitanFull-size$1,822$152
              Honda RidgelineMidsize$1,828$152
              Ford F150Full-size$1,870$156
              GMC Sierra 2500 HDHeavy Duty$1,882$157
              Jeep GladiatorMidsize$1,912$159
              Toyota TundraFull-size$1,932$161
              GMC Sierra 3500Heavy Duty$1,942$162
              GMC SierraFull-size$2,008$167
              Chevrolet SilveradoFull-size$2,012$168
              Ram TruckFull-size$2,012$168
              Chevrolet Silverado HD 2500Heavy Duty$2,018$168
              Chevrolet Silverado HD 3500Heavy Duty$2,022$169
              Nissan Titan XDHeavy Duty$2,056$171

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 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 December 30, 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 $2,012 per year, with rates ranging from a low of $1,800 per year on the Silverado WT Regular Cab 4WD trim up to $2,230 per year for the Silverado ZR2 Crew Cab 4WD trim.

                As a cost per month, full-coverage auto insurance on the Chevrolet Silverado for the average driver can range from $150 to $186 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 $1,666 to $4,598 per year, which is a cost difference of $2,932 per year due primarily to driver risk.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 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 December 30, 2022
                Chevrolet Silverado Insurance Cost in Chicago
                2023 Chevrolet Silverado Insurance Cost in Chicago, IL
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,598$383
                Safe Driver Age 20$4,026$336
                At-fault Accidents Age 40$2,864$239
                Low Deductibles Age 40$2,578$215
                Safe Driver Age 30$2,106$176
                Safe Driver Age 40$2,012$168
                Safe Driver Age 50$1,836$153
                Safe Driver Age 60$1,804$150
                High Deductibles Age 40$1,724$144
                Discount Rate Age 40$1,666$139

                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 $1,798 per year, with a range of $1,682 per year for the Civic Sport trim level up to $1,986 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 $70 to $84 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 2023 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 December 30, 2022
                Honda Civic Insurance Cost in Chicago
                2023 Honda Civic Insurance Cost in Chicago, IL
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,062$339
                Safe Driver Age 20$3,560$297
                At-fault Accidents Age 40$2,536$211
                Low Deductibles Age 40$2,318$193
                Safe Driver Age 30$1,890$158
                Safe Driver Age 40$1,798$150
                Safe Driver Age 50$1,638$137
                Safe Driver Age 60$1,608$134
                High Deductibles Age 40$1,528$127
                Discount Rate Age 40$1,492$124

                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 $1,668 up to $1,856 per year. The least-expensive insurance rates are on the $39,150 Pilot Sport trim level, while the trim with the most expensive average rate is the $52,030 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 $62 to $72 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 $1,468 to $4,048 per year, which is a price difference of $2,580 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 2023 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 December 30, 2022
                Honda Pilot Insurance Cost in Chicago
                2023 Honda Pilot Insurance Cost in Chicago, IL
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,048$337
                Safe Driver Age 20$3,542$295
                At-fault Accidents Age 40$2,500$208
                Low Deductibles Age 40$2,328$194
                Safe Driver Age 30$1,870$156
                Safe Driver Age 40$1,766$147
                Safe Driver Age 50$1,610$134
                Safe Driver Age 60$1,584$132
                High Deductibles Age 40$1,480$123
                Discount Rate Age 40$1,468$122

                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 $482 per year. Major misdemeanor violations such as reckless driving could raise rates by an additional $1,692 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 $55 and $186 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 $2,576 per year for a 20-year-old driver and even $590 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 $312 per year.