- The average cost of car insurance in Chicago is $1,838 per year, or $153 per month.
- Monthly auto insurance rates for a few popular vehicles in Chicago include the Tesla Model 3 at $157, Nissan Sentra at $142, and Nissan Rogue at $141.
- For cheap auto insurance in Chicago, crossover vehicles like the Subaru Crosstrek, Chevrolet Trailblazer, and Nissan Rogue Sport rank very well for overall cost.
- Models with segment-leading auto insurance rates in Chicago include the Honda Passport at $1,430 per year, Chevrolet Tahoe at $1,720 per year, Lexus RX 350 at $1,646 per year, and Subaru Legacy at $1,692 per year.
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 8.7% 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.
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.
Popular models and the cost of insurance
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.
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.
| Rank | Make/Model | Annual Cost | Monthly Cost |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $1,390 | $116 |
| 2 | Subaru Crosstrek | $1,404 | $117 |
| 3 | Nissan Kicks | $1,408 | $117 |
| 4 | Honda Passport | $1,430 | $119 |
| 5 | Nissan Rogue Sport | $1,432 | $119 |
| 6 | Mazda CX-5 | $1,444 | $120 |
| 7 | Buick Encore | $1,462 | $122 |
| 8 | Buick Envision | $1,468 | $122 |
| 9 | Kia Seltos | $1,488 | $124 |
| 10 | Subaru Ascent | $1,496 | $125 |
| 11 | Hyundai Venue | $1,502 | $125 |
| 12 | Subaru Impreza | $1,520 | $127 |
| 13 | Ford Maverick | $1,528 | $127 |
| 14 | Honda HR-V | $1,530 | $128 |
| 15 | Acura RDX | $1,532 | $128 |
| 16 | Chevrolet Colorado | $1,532 | $128 |
| 17 | Hyundai Kona | $1,540 | $128 |
| 18 | Subaru Forester | $1,550 | $129 |
| 19 | Ford Edge | $1,556 | $130 |
| 20 | Honda CR-V | $1,556 | $130 |
| 21 | Mazda CX-30 | $1,562 | $130 |
| 22 | Ford Explorer | $1,564 | $130 |
| 23 | Volkswagen Atlas | $1,568 | $131 |
| 24 | Nissan Murano | $1,576 | $131 |
| 25 | Chevrolet Trax | $1,580 | $132 |
| 26 | Subaru Outback | $1,580 | $132 |
| 27 | Nissan Frontier | $1,588 | $132 |
| 28 | Volkswagen Tiguan | $1,594 | $133 |
| 29 | Ford Bronco Sport | $1,600 | $133 |
| 30 | GMC Terrain | $1,630 | $136 |
The above table containing 30 vehicles with the cheapest insurance in Chicago really is not a great way to present a complete view of the cost of car insurance in Chicago. A better way to rank car insurance rates for many more vehicles is by organizing them by vehicle segment.
The next section of this article details the different automotive segments and the average cost of auto insurance in Chicago. This should give you a better understanding of which automotive segments have the least expensive rates. Then the six sections that follow the chart will break out the cheapest rates for individual models in each automotive segment.
Chicago car insurance rates by vehicle segment
When shopping for a new or used vehicle, it’s useful to know which types of vehicles have more favorable insurance rates. As an example, maybe you’re wondering if compact SUVs have cheaper car insurance than midsize SUVs or which size of SUV has the cheapest rates.
The next chart shows average auto insurance cost by vehicle segment in Chicago. When looking at rates from a segment perspective, compact and midsize SUVs, vans, and midsize pickups have the best average car insurance rates, while exotic performance cars have the most expensive average cost to insure.
Average rates for different segments are suitable for general comparisons, but cost ranges considerably within each vehicle category shown in the previous chart.
For example, in the midsize car segment, car insurance rates in Chicago range from the 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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,520 | $127 |
| Volkswagen Jetta | Compact | $1,680 | $140 |
| Subaru Legacy | Midsize | $1,692 | $141 |
| Nissan Sentra | Compact | $1,706 | $142 |
| Toyota Corolla | Compact | $1,728 | $144 |
| Toyota Prius | Compact | $1,730 | $144 |
| Volkswagen Golf | Compact | $1,730 | $144 |
| Toyota Camry | Midsize | $1,748 | $146 |
| Mazda 3 | Compact | $1,766 | $147 |
| Kia K5 | Midsize | $1,776 | $148 |
| Chevrolet Malibu | Midsize | $1,790 | $149 |
| Chrysler 300 | Full-size | $1,790 | $149 |
| Honda Civic | Compact | $1,798 | $150 |
| Kia Forte | Compact | $1,804 | $150 |
| Mitsubishi Mirage G4 | Compact | $1,812 | $151 |
| Nissan Leaf | Compact | $1,856 | $155 |
| Honda Accord | Midsize | $1,860 | $155 |
| Toyota Crown | Midsize | $1,864 | $155 |
| Tesla Model 3 | Midsize | $1,880 | $157 |
| Volkswagen Arteon | Midsize | $1,932 | $161 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Trailblazer | Compact | $1,390 | $116 |
| Subaru Crosstrek | Compact | $1,404 | $117 |
| Nissan Kicks | Compact | $1,408 | $117 |
| Honda Passport | Midsize | $1,430 | $119 |
| Nissan Rogue Sport | Compact | $1,432 | $119 |
| Mazda CX-5 | Compact | $1,444 | $120 |
| Buick Encore | Compact | $1,462 | $122 |
| Buick Envision | Compact | $1,468 | $122 |
| Kia Seltos | Compact | $1,488 | $124 |
| Subaru Ascent | Midsize | $1,496 | $125 |
| Hyundai Venue | Compact | $1,502 | $125 |
| Honda HR-V | Compact | $1,530 | $128 |
| Hyundai Kona | Compact | $1,540 | $128 |
| Subaru Forester | Compact | $1,550 | $129 |
| Ford Edge | Midsize | $1,556 | $130 |
| Honda CR-V | Compact | $1,556 | $130 |
| Mazda CX-30 | Compact | $1,562 | $130 |
| Ford Explorer | Midsize | $1,564 | $130 |
| Volkswagen Atlas | Midsize | $1,568 | $131 |
| Nissan Murano | Midsize | $1,576 | $131 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura Integra | Compact | $1,650 | $138 |
| BMW 330i | Compact | $1,866 | $156 |
| Acura TLX | Compact | $1,896 | $158 |
| Cadillac CT4 | Compact | $1,918 | $160 |
| Genesis G70 | Compact | $1,956 | $163 |
| Cadillac CT5 | Midsize | $1,980 | $165 |
| Lexus ES 350 | Midsize | $1,982 | $165 |
| BMW 330e | Compact | $1,992 | $166 |
| Lexus ES 250 | Midsize | $1,998 | $167 |
| Lexus RC 300 | Midsize | $1,998 | $167 |
| BMW 228i | Compact | $2,002 | $167 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,002 | $167 |
| Audi A3 | Midsize | $2,012 | $168 |
| BMW 230i | Compact | $2,016 | $168 |
| Mercedes-Benz C300 | Compact | $2,028 | $169 |
| Audi A4 | Compact | $2,034 | $170 |
| Lexus RC 350 | Compact | $2,038 | $170 |
| Mercedes-Benz AMG CLA45 | Midsize | $2,048 | $171 |
| Audi S3 | Compact | $2,050 | $171 |
| Volvo S60 | Compact | $2,056 | $171 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,532 | $128 |
| Lexus RX 350 | Midsize | $1,646 | $137 |
| Cadillac XT4 | Compact | $1,656 | $138 |
| Volvo XC40 | Compact | $1,692 | $141 |
| Infiniti QX50 | Midsize | $1,700 | $142 |
| Lexus UX 250h | Compact | $1,718 | $143 |
| Cadillac XT5 | Midsize | $1,746 | $146 |
| Mercedes-Benz GLA250 | Compact | $1,782 | $149 |
| Cadillac XT6 | Midsize | $1,788 | $149 |
| Mercedes-Benz GLB 250 | Compact | $1,788 | $149 |
| Lexus NX 250 | Compact | $1,810 | $151 |
| Acura MDX | Midsize | $1,830 | $153 |
| Lexus NX 350h | Compact | $1,832 | $153 |
| Lexus NX 350 | Compact | $1,844 | $154 |
| Lexus NX 450h | Compact | $1,848 | $154 |
| Lincoln Corsair | Compact | $1,848 | $154 |
| Alfa Romeo Tonale | Compact | $1,864 | $155 |
| Lincoln Nautilus | Midsize | $1,864 | $155 |
| BMW X1 | Compact | $1,868 | $156 |
| Mercedes-Benz GLC300 | Compact | $1,870 | $156 |
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).
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,698 | $142 |
| Audi TT | Sports Car | $1,904 | $159 |
| Ford Mustang | Sports Car | $1,994 | $166 |
| BMW Z4 | Sports Car | $2,010 | $168 |
| Subaru WRX | Sports Car | $2,032 | $169 |
| Nissan Z | Sports Car | $2,064 | $172 |
| Toyota GR Supra | Sports Car | $2,098 | $175 |
| BMW M2 | Sports Car | $2,124 | $177 |
| Toyota GR86 | Sports Car | $2,124 | $177 |
| Subaru BRZ | Sports Car | $2,218 | $185 |
| Chevrolet Corvette | Sports Car | $2,270 | $189 |
| BMW M3 | Sports Car | $2,320 | $193 |
| Lexus RC F | Sports Car | $2,366 | $197 |
| Porsche 718 | Sports Car | $2,370 | $198 |
| Chevrolet Camaro | Sports Car | $2,408 | $201 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,548 | $212 |
| Jaguar F-Type | Sports Car | $2,640 | $220 |
| Porsche Taycan | Sports Car | $2,696 | $225 |
| BMW M4 | Sports Car | $2,734 | $228 |
| Lexus LC 500 | Sports Car | $2,766 | $231 |
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).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Ford Maverick | Midsize | $1,528 | $127 |
| Chevrolet Colorado | Midsize | $1,532 | $128 |
| Nissan Frontier | Midsize | $1,588 | $132 |
| Ford Ranger | Midsize | $1,634 | $136 |
| GMC Canyon | Midsize | $1,672 | $139 |
| Toyota Tacoma | Midsize | $1,682 | $140 |
| Hyundai Santa Cruz | Midsize | $1,710 | $143 |
| Nissan Titan | Full-size | $1,822 | $152 |
| Honda Ridgeline | Midsize | $1,828 | $152 |
| Ford F150 | Full-size | $1,870 | $156 |
| GMC Sierra 2500 HD | Heavy Duty | $1,882 | $157 |
| Jeep Gladiator | Midsize | $1,912 | $159 |
| Toyota Tundra | Full-size | $1,932 | $161 |
| GMC Sierra 3500 | Heavy Duty | $1,942 | $162 |
| GMC Sierra | Full-size | $2,008 | $167 |
| Chevrolet Silverado | Full-size | $2,012 | $168 |
| Ram Truck | Full-size | $2,012 | $168 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,018 | $168 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,022 | $169 |
| Nissan Titan XD | Heavy Duty | $2,056 | $171 |
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.
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.
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.
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.
