The words “affordable” and “insurance” probably shouldn’t be used together, especially when shopping around for the best insurance rates for uninsured drivers. In an attempt to save some money, let’s introduce you to a few of the things the can have a considerable influence on car insurance premiums, and find some ways to reduce the price of the next policy you buy.
The type of vehicle on the policy is one of the largest factors in finding the best cheap insurance for uninsured drivers. Vehicles with lots of horsepower, a lack of safety features, or a high likelihood of having liability claims will cost significantly more to insure than more modest models.
The list below estimates auto insurance costs for a selection of the most economical automobiles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,928|
|Ford Escape XLT 2WD||$1,938|
|Volkswagen Jetta S 4-Dr Sedan||$2,278|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$2,322|
|Jeep Grand Cherokee SRT-8 4WD||$2,442|
|Nissan Rogue S AWD||$2,445|
|Dodge Grand Caravan CV||$2,473|
|GMC Sierra 2500HD SLT Crew Cab 4WD||$2,562|
|Toyota Tacoma 2WD||$2,567|
|Ford Edge SE AWD||$2,562|
|Hyundai Sonata SE 4-Dr Sedan||$2,565|
|Honda Accord EX 2-Dr Coupe||$2,571|
|Ford F-150 STX Regular Cab 2WD||$2,590|
|Nissan Altima 2.5 4-Dr Sedan||$2,612|
|Chevrolet Malibu LS||$2,622|
|Toyota RAV4 Sport 2WD||$2,612|
|GMC Sierra SLE Crew Cab 2WD||$2,622|
|Ford Explorer XLT AWD||$2,647|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$2,706|
|Ford Focus SE 4-Dr Sedan||$2,738|
|Toyota Camry SE||$2,747|
|Honda Odyssey EX-L||$2,757|
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Information does not factor in specific location information which can impact coverage rates noticeably.
Looking at the numbers, you can infer that makes and models like the Honda CR-V, Ford Escape, Volkswagen Jetta, and Dodge Ram 3500 are most likely going to be the most affordable vehicles to insure for drivers with no prior coverage.
For drivers with no prior coverage, one of the largest components that determine insurance cost is where you call home in Chicago. More populated areas tend to pay slightly more, whereas areas that tend to be more rural receive better rates.
The table below sorts the most expensive cities in Illinois for uninsured drivers to buy an auto insurance policy in. Chicago shows up at #2 with an annual premium of $1,529 for the average insurance policy, which is about $127 monthly.
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Premium amounts are estimated as the specific area where the vehicle is garaged can lower or raise auto insurance rates greatly.
Finding out which company has the lowest-priced auto insurance rates for uninsured drivers will involve a little more effort in order to find the lowest price quote. Every insurance provider has a different formula for setting rates, so let’s take a look at the auto insurance companies with the overall best prices in Chicago.
It’s a good idea to know that Chicago, IL auto insurance rates are impacted by many factors that will increase or decrease the cost of having a policy. Simply having a birthday, moving to a new city, or getting a ticket for running a stop sign can trigger price changes that can cause some rates to be cheaper in comparison to the competition.
Lowest Insurance Price Quotes in Illinois
|Rank||Company||Cost Per Year|
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The Hartford quotes some of the best car insurance rates in Chicago at around $753 annually. Rockford Mutual, Titan, Cincinnati Insurance, and Erie would also make the list of some of the best Chicago, IL auto insurance companies.
As illustrated above, if you buy coverage from Erie and switched to Rockford Mutual, you could earn an annual savings of approximately $58. Drivers with Travelers may save as much as $105 a year, and Utica National policyholders might realize rate reductions of up to $108 a year.
To see how much you can save, click here to start your free quote or quote rates from the companies below.
Bear in mind that those estimates are averaged for all insureds and vehicles and do not factor in a specific location for uninsured drivers. So the car insurance company that fits your situation best may not even be in the top 36 companies shown above. That affirms the importance of why you need to quote rates from many companies using your own driver data and vehicle information.
Types of discounts on Chicago auto insurance
Insurance companies that offer coverage for uninsured drivers could also offer special discounts that can reduce rates by as much as 40% or more if you meet specific criteria. A list of auto insurance companies and the discounts they provide are included below.
- State Farm may include discounts for good driver, anti-theft, safe vehicle, passive restraint, and defensive driving training.
- GEICO includes discounts for multi-vehicle, anti-lock brakes, good student, driver training, multi-policy, and emergency military deployment.
- Progressive has discounts for online signing, multi-vehicle, continuous coverage, multi-policy, homeowner, and online quote discount.
- 21st Century offers premium reductions for early bird, homeowners, student driver, good student, automatic seat belts, and anti-lock brakes.
- American Family discounts include TimeAway discount, good driver, Steer into Savings, early bird, and air bags.
- The Hartford policyholders can earn discounts including air bag, anti-theft, bundle, vehicle fuel type, and good student.
- AAA may offer discounts for education and occupation, multi-policy, multi-car, good student, AAA membership discount, and pay-in-full.
The information below shows the comparison of insurance rates with and without discounts applied to the policy rates. The information is based on a male driver, no tickets, no at-fault accidents, Illinois state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with claim-free, defensive driving course, homeowner, multiple policy, vehicle safety, and accident-free discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for uninsured drivers is 27% or $378.
Ratings for Chicago auto insurance companies
Buying coverage from the best auto insurance company can be difficult considering how many companies sell coverage in Chicago. The company ratings in the lists below can help you choose which auto insurers you want to consider when shopping your coverage around. These ratings only include large insurance companies, so smaller companies that only insure vehicles in Illinois are not included in the list.
Top 10 Large Auto Insurers in Chicago Ranked by Customer Service
- Mercury Insurance
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Liberty Mutual
- Erie Insurance
Careless drivers pay higher rates
The common sense way to snag the cheapest auto insurance prices in Illinois for drivers with no prior coverage is to be an attentive driver and avoid traffic citations and accidents. The information below demonstrates how speeding tickets and at-fault accidents can raise auto insurance costs for each age group. The information is based on a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
The chart shows that the average cost of an auto insurance policy in Chicago per year with a clean driving record and no accidents is $1,056. Factor in two speeding tickets and the average cost swells to $1,450, an increase of $394 each year. Now include one accident along with the two speeding tickets and the annual cost of auto insurance for uninsured drivers increases to an average of $1,845. That’s an increase of $790, or $66 per month, just for not maintaining a clean driving record!
The auto insurance agents in Chicago shown below can probably answer your questions and help you decide which insurance coverage you need, as some drivers aren’t sure which coverage they need and prefer to get some professional advice when trying to find the best insurance rates for drivers with no prior coverage. It can be difficult to do it yourself, so using a licensed agent can provide comfort knowing your policy gives you decent coverage if you have a claim. To find an agent close to you, click the link at the bottom or click here to compare prices now.
Northwest Insurance Network Inc
4450 N Western Ave – Chicago, IL 60625 – (773) 433-3300
Russ Spinelli – State Farm Insurance Agent
1525 E 53rd St #727 – Chicago, IL 60615 – (773) 955-3133
Eagle Insurance Agency
3517 N Spaulding Ave – Chicago, IL 60618 – (773) 463-7576
Angela Roudez – State Farm Insurance Agent
1505 S State St – Chicago, IL 60605 – (312) 663-1820
How to find cheaper car insurance for uninsured drivers
The list below details many penny-pinching suggestions that can help Chicago drivers locate lower-cost car insurance.
- Do not pay for comprehensive and collision coverage on older vehicles
- Prevent rate increases by staying accident-free
- Higher physical damage deductibles lower rates
- Vehicles with good safety ratings are usually cheaper to insure
- Drivers with good credit ratings often pay less
- Do not get traffic violations
- Compare prices frequently to find the best deal
The final tip is remarkably important, as we discussed in this write-up. Prices charged by auto insurers can be changed at any time, so don’t be tentative to switch carriers if a lower-cost policy is available. Staying with the same company for years is fine, but it’s not a great idea if your bullheadedness ends up costing you hundreds every year. If you have a few minutes, now is a great time to compare prices and find cheaper insurance for uninsured drivers in Chicago.