Who Has the Cheapest Car Insurance Quotes for Felons in Chicago?

The words “economical” and “insurance” really don’t belong together, especially when you are searching for the best coverage prices for felons. Because of the high cost, let’s learn about some situations that can significantly affect auto insurance prices, and find out if we can help you shave a little off your next policy.

The car, truck, or SUV you are trying to insure is one of the biggest factors when consumers are trying to find the best cheap auto insurance for felons. Vehicles with limited top-end speed, a great safety record, or a positive history of liability claims will cost much less to insure than high performance models.

The list below outlines car insurance premiums for a selection of the more affordable automobiles to insure in Illinois.

Cheapest Vehicles to Insure in Chicago, IL
Make, Model, and Trim Level Estimated Cost for Full Coverage
Jeep Wrangler Sport 4WD 2-Dr $2,058
Honda CR-V EX 2WD $2,179
Honda Accord LX 4-Dr Sedan $2,187
Ford Escape XLS 2WD $2,179
Dodge Grand Caravan CV $2,230
Ford F-150 FX2 Super Cab 2WD $2,236
Chevrolet Equinox LT AWD $2,357
Hyundai Elantra Blue 4-Dr Sedan $2,440
Honda Odyssey EX-L W/Navigation $2,484
Toyota Prius $2,494
Volkswagen Jetta SEL 4-Dr Sedan $2,529
Nissan Altima Hybrid 4-Dr Sedan $2,538
Toyota Tacoma 4WD $2,535
Chevrolet Silverado LT Extended Cab 4WD $2,580
Toyota RAV4 Limited 4WD $2,589
Ford Explorer Limited 4WD $2,631
Ford Fusion S 4-Dr Sedan $2,659
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in your specific Chicago, IL location which can modify premium rates greatly.

Looking at the rates, you can expect makes and models like the Jeep Wrangler, Honda CR-V, Honda Accord, and Ford Escape are going to be the most economical vehicles to insure for felons.

For felons, one of the big factors that are looked at to determine insurance cost is the neighborhood you call home in Chicago. Areas with more people or more claims are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.

The illustration below lists the priciest cities in Illinois for felons to purchase auto insurance in. Chicago comes in at #2 with the yearly price of $1,484 for coverage, which is about $124 monthly.

How much does car insurance cost in Chicago, IL?
Rank City Premium Per Year
1 Cicero $1,526
2 Chicago $1,484
3 Berwyn $1,464
4 Skokie $1,391
5 Evanston $1,276
6 Des Plaines $1,236
7 Oak Lawn $1,231
8 Mount Prospect $1,181
9 Waukegan $1,176
10 Rockford $1,153
11 Bolingbrook $1,150
12 Orland Park $1,149
13 Joliet $1,145
14 Elgin $1,139
15 Schaumburg $1,135
16 Tinley Park $1,132
17 Palatine $1,121
18 Arlington Heights $1,095
19 Peoria $1,082
20 Aurora $1,053
21 Naperville $1,053
22 Springfield $1,028
23 Decatur $1,013
24 Champaign $971
25 Bloomington $942
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Premium costs are approximated as specific location information can influence premium rates noticeably.

Comparing rates for budget insurance is tough enough, and determining which companies have the best car insurance rates for felons requires a bit more work. Every auto insurer uses their own formula for determining rates, so let’s begin by examining the lowest cost car insurance companies in Chicago, IL.

Best Insurance Companies for Felons

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Rankings for the cheapest Illinois auto insurance companies
Rank Company Cost Per Year
1 The Hartford $753
2 Rockford Mutual $813
3 Titan $852
4 Erie $905
5 Cincinnati Insurance $924
6 Utica National $946
7 USAA $950
8 Travelers $981
9 SECURA $1,005
10 State Farm $1,012
11 Auto-Owners $1,033
12 Safeco $1,063
13 GEICO $1,118
14 Amica $1,120
15 Farmers $1,181
16 California Casualty $1,197
17 MetLife $1,220
18 Esurance $1,233
19 Progressive $1,256
20 State Auto $1,260
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The Hartford quotes some of the cheapest car insurance rates in Chicago at around $753 annually. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also qualify as some of the best Chicago, IL auto insurance companies.

As shown above, if you are a policyholder with Erie and switched to The Hartford, you could earn yearly savings of around $152. Insureds with Cincinnati Insurance might save as much as $171 a year, and Utica National policyholders might cut rates by $193 a year.

Remember that these rates are averages across all drivers and vehicles and are not factoring in a specific location for felons. So the company that can offer you the best rate may not even be in the top 36 companies in the list above. That affirms the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.

Bad driving habits will cost you more

In a perfect world, the ideal way to get good car insurance prices in Chicago for felons is to drive cautiously and avoid accidents and keep your driving record clean. The diagram below shows how traffic citations and at-fault accidents can increase premium costs for different categories of driver ages. The data assumes a married female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of an auto insurance policy in Illinois per year with no accidents and a clean driving record is $954. Factor in two speeding tickets and the average cost increases to $1,348, an increase of $394 each year. Now include two accidents along with the two speeding tickets and the yearly cost of car insurance for felons increases to an average of $2,886. That’s an increase of $1,932, or $161 per month, just for a couple of infractions!

Types of discounts on Chicago car insurance

Save on car insurance for felons in ChicagoInsurance companies that offer cheap quotes for felons may have discounts that could potentially reduce rates by 40% or more if you qualify for them. A list of car insurance companies and a partial list of their discounts can be read below.

The chart below illustrates the comparison of insurance prices with and without discounts applied to the rates. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Illinois state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with defensive driving course, marriage, multiple vehicle, claim-free, anti-theft, and multiple policy discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for felons is 28% or $392.

Chicago car insurance rates

Chicago, IL car insurance rates are based on many factors which can substantially decrease or increase your annual premium. Simply improving your credit, having a teen driver, or having a fender bender can trigger changes in premium that can make some companies affordable when they were higher priced. Not only may your situation change, but car insurance companies change their prices multiple times each year in order to be able to pay unexpected claims. A period of increased losses can cause increased rates, while a better claims history may cause more affordable Chicago car insurance rates.

For instance, the graph below shows rates for the cheapest car insurance in Chicago, IL for a 30-year-old female driver with a clean driving record, no accidents, and good credit. When quoting prices based on her personal risk profile, The Hartford might offer the cheapest car insurance rates in Chicago at $1,186 each year. This is $163 less than the average premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are the rest of the most affordable Chicago, IL auto insurance companies.

Now we will give the driver in the first chart an at-fault accident, a lower credit score, and a traffic ticket or two. Since each auto insurer has their own unique process for determining rates, comparing insurance quotes may now show a different ranking of companies as shown below.

Travelers now has the cheapest car insurance in Chicago, IL with State Farm, Utica National, SECURA, and Auto-Owners now rounding out the top five. This demonstrates why consumers need to take the time to perform a complete rate comparison to get the most affordable insurance quotes for felons. Insurance rates consist of many things and change substantially, so the cheapest option six months ago may now be wasting a lot of money.

How to find economical insurance for felons

The list below shows a few money-saving solutions that can help drivers buy low-cost coverage.

The last suggestion is incredibly important, as we hit on in this article. Insurance rates in Chicago change frequently, so drivers shouldn’t be resistant to switch companies if a better rate can be found.

Having a favorite company is great, but we do not recommend it if it’s costing you several hundred dollars every year. It takes less than five minutes to compare prices and find cheaper insurance for felons.