🚗 Car insurance cost in Chicago, IL (2026)
Estimated average: $2,288 per year — +6% vs. the U.S. average of $2,150.
$2,288
Est. car insurance in Chicago
per year
$2,043
Illinois average
$2,150
U.S. average
2,664,452
Population
Estimate your car insurance in Chicago
Chicago car insurance estimator
Estimated$4,004/year
Starts from the Chicago estimate. Get quotes to confirm your price.
Chicago car insurance FAQ
How much is car insurance in Chicago, IL?
The estimated average is $2,288 per year — above the state average (+12% vs. the Illinois average of $2,043, and +6% vs. the U.S. average).
Is car insurance more expensive in Chicago than elsewhere in Illinois?
Chicago has about 2,664,452 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Chicago?
Compare at least three quotes from insurers active in Chicago, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.