What Car Insurance is Cheapest for Immigrants in Chicago?

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.

How much does car insurance cost in Chicago, IL?
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.

Cheapest Vehicles to Insure in Chicago, IL
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
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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.

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Cheapest auto insurance in Illinois ranked by cost per year
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.

Best Insurance Companies for Immigrants in Chicago
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
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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 StChicago, IL 60607(312) 455-0675

Lincoln Auto Insurance
855 W Washington BlvdChicago, IL 60607(312) 666-8800

Riehn Insurance
4541 N Lincoln AveChicago, 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.

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.