One of the many considerations that help determine car insurance rates is where you live in Chicago. Cities with larger populations will most likely pay more, whereas areas with less crime or weather claims tend to receive cheaper rates.
The next table shows the most costly cities in Illinois for immigrants to buy auto insurance in. Chicago is ranked at #2 with an annual cost of $1,499 on average, which is approximately $125 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Cicero | $1,588 |
| 2 | Chicago | $1,499 |
| 3 | Berwyn | $1,449 |
| 4 | Skokie | $1,433 |
| 5 | Des Plaines | $1,286 |
| 6 | Oak Lawn | $1,281 |
| 7 | Evanston | $1,238 |
| 8 | Mount Prospect | $1,205 |
| 9 | Waukegan | $1,188 |
| 10 | Joliet | $1,180 |
| 11 | Orland Park | $1,173 |
| 12 | Schaumburg | $1,169 |
| 13 | Tinley Park | $1,154 |
| 14 | Rockford | $1,141 |
| 15 | Elgin | $1,139 |
| 16 | Arlington Heights | $1,128 |
| 17 | Bolingbrook | $1,116 |
| 18 | Palatine | $1,109 |
| 19 | Springfield | $1,070 |
| 20 | Peoria | $1,060 |
| 21 | Decatur | $1,055 |
| 22 | Aurora | $1,043 |
| 23 | Naperville | $1,011 |
| 24 | Bloomington | $971 |
| 25 | Champaign | $942 |
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Price information shown is estimated as the specific area where the vehicle is garaged can change rates greatly.
The type of vehicle you are insuring is one of the largest considerations when shopping for the cheapest auto insurance for immigrants. Vehicles with limited top-end speed, an excellent safety record, or a low likelihood of having liability claims will cost less to insure than higher performance models.
The data below outlines car insurance rates for some of the most affordable automobiles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $2,120 |
| Ford Escape Limited 4WD | $2,253 |
| Toyota Prius | $2,302 |
| Ford Focus S 4-Dr Sedan | $2,412 |
| Chevrolet Equinox LS 2WD | $2,457 |
| Honda Accord EX-L 4-Dr Sedan | $2,477 |
| Dodge Grand Caravan SXT | $2,506 |
| Toyota Tacoma 4WD | $2,539 |
| Ford Explorer Eddie Bauer 2WD | $2,548 |
| Toyota Corolla XLE | $2,591 |
| Nissan Rogue S 2WD | $2,629 |
| Jeep Grand Cherokee Limited 4WD | $2,639 |
| GMC Sierra 3500HD SLE Regular Cab 2WD | $2,685 |
| Toyota RAV4 Limited 4WD | $2,688 |
| Toyota Camry LE | $2,696 |
| Chevrolet Impala LS | $2,704 |
| Hyundai Sonata SE 4-Dr Sedan | $2,763 |
| Ford F-150 SVT Raptor Super Cab 4WD | $2,828 |
| Hyundai Elantra SE 4-Dr Sedan | $2,834 |
| Dodge Ram Crew Cab TRX 4WD | $2,857 |
| Compare Cheap Rates Go | |
Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in vehicle location which can lower or raise prices substantially.
Looking at the numbers, we can presume that cars like the Honda CR-V, Ford Escape, and Toyota Prius will definitely be some of the cheapest vehicles to insure for foreigners.
Finding affordable auto insurance is not the easiest thing to accomplish, and finding out which company has the most affordable insurance rates for immigrants will take a little more work. Each auto insurer uses different criteria for determining rates, so let’s begin by examining the most budget-friendly insurance companies in Chicago.
Compare Cheap Insurance Quotes for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $769 |
| 2 | Rockford Mutual | $838 |
| 3 | Titan | $860 |
| 4 | Cincinnati Insurance | $888 |
| 5 | Erie | $914 |
| 6 | USAA | $959 |
| 7 | Travelers | $961 |
| 8 | Utica National | $975 |
| 9 | State Farm | $982 |
| 10 | SECURA | $1,005 |
| 11 | Auto-Owners | $1,053 |
| 12 | Safeco | $1,063 |
| 13 | Amica | $1,109 |
| 14 | GEICO | $1,118 |
| 15 | Farmers | $1,146 |
| 16 | Esurance | $1,185 |
| 17 | California Casualty | $1,197 |
| 18 | Progressive | $1,219 |
| 19 | MetLife | $1,220 |
| 20 | State Auto | $1,236 |
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The Hartford may have some of the best car insurance rates in Chicago at around $769 a year. This is $580 less than the average rate paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Cincinnati Insurance, and Erie are also some of the most economical Chicago, IL insurance companies.
As illustrated above, if you are insured with Titan and switched to The Hartford, you could see an annual savings of around $91. Illinois drivers with Cincinnati Insurance might save as much as $119 a year, and Erie policyholders might lower prices by $145 a year.
To find cheaper insurance rates for your vehicle, click here to get a free quote or click several companies below for low rates.
Bear in mind that those premium estimates are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific zip code for immigrants. So the insurer that fits you best may not even be in the list above. That points out the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.
Reckless driving habits raise Chicago insurance rates
The best way to score the best insurance premiums in Illinois for foreigners is to pay attention while driving and avoid accidents and traffic violations. The illustration below illustrates how speeding tickets and accidents can affect car insurance costs for each different age category. The costs are based on a single male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
In the example above, the average cost of car insurance in Illinois per year with no accidents or violations is $1,502. Receive two speeding tickets and the average cost jumps to $1,993, an increase of $491 each year. Now get two accidents along with the two speeding tickets and the annual cost of insurance for immigrants goes up to an average of $3,726. That’s an increase of $2,224, or $185 per month, just for not being more responsible behind the wheel!
Buying coverage from the best auto insurance provider can be a challenge considering how many companies sell coverage in Chicago. The ranking data shown next may help you decide which insurers you want to consider to insure your vehicles.
These rankings only include the largest companies in the United States, so smaller regional companies will not be included in these rankings. To check rates from the insurers below and more, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Don’t stick with an overpriced policy
Illinois insurance rates are calculated based on many things that will increase or decrease the price you pay. Simply having another birthday, moving to a new city, or getting a ticket for running a stop sign can trigger price changes resulting in some companies being more affordable than others.
In addition, insurers file new Illinois car insurance rates as often as every quarter to adjust for heavy claims or excess profits. Unexpectedly high claims can cause increased rates, while a better loss history can result in cheaper Chicago car insurance rates.
The bar chart below analyzes the cheapest car insurance in Chicago, IL for a 40-year-old female driver with no violations or accidents, and great credit. When quoting prices based on her personal risk profile, The Hartford quotes the cheapest car insurance rates in Chicago at $1,260 each year. This is $89 less than the average policy premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Cincinnati Insurance, and Erie are also on the list of the top five cheapest Chicago, IL auto insurance companies.
In this example, we will give the driver in the first chart an accident surcharge, a lower credit rating, and a speeding ticket. Since every car insurance company uses a different method for determining rates in each state, analyzing rates will most likely result in a different list of the cheapest Chicago car insurance companies as shown below.
Utica National now has the best car insurance rate in Chicago, IL with USAA, SECURA, State Farm, and Auto-Owners completing the list. This demonstrates why Chicago drivers need to perform an extensive rate comparison to get the most budget-friendly car insurance rates for immigrants.
Insurance prices are determined by many things and change frequently, so the lowest-price company the last time you compared rates may now not even be in the top five.
The agents shown below can most likely help you decide which policy fits your needs best, since some people have coverage questions and would like to have the advice of a professional agent when shopping around for cheaper insurance for foreigners. It’s not always easy to find the best coverage on your own, and professional agents can give you satisfaction knowing you have sufficient coverage for your assets. To find a Chicago insurance agent in your neighborhood, click the link after the list or click here to compare price quotes now.
Dwayne Jackson – State Farm Insurance Agent
1345 W Taylor St – Chicago, IL 60607 – (312) 455-0675
Lincoln Auto Insurance
855 W Washington Blvd – Chicago, IL 60607 – (312) 666-8800
Riehn Insurance
4541 N Lincoln Ave – Chicago, IL 60625 – (773) 561-4200
More insurance agents in Chicago, IL
How to find more affordable car insurance for immigrants
Below you’ll find many thrifty ideas that can help Chicago drivers quote more affordable coverage.
- Buy a safer vehicle
- Do not file small claims
- Avoid getting citations and tickets
- Improve your credit
- At-fault accidents will increase rates
- Compare rates often to find the best deal
The last item on the list is certainly valuable, as was affirmed in the prior information. Rates can be modified anytime, so don’t be afraid to change to a new company if a lower-cost policy is available. Being loyal to a particular company is commendable, but it isn’t a good idea if that devotion results in you overpaying hundreds of dollars a year. In just a few minutes you could shop around to find cheaper auto insurance for immigrants in Chicago.