Who Has the Cheapest Car Insurance Quotes for Welfare Recipients in Chicago?

You have seen the captivating ads from insurers like Liberty Mutual and Allstate that promise enormous savings. So drivers should just select the one with the best jingle, right?

It’s just not that simple, as there are many unknown factors such as the likelihood of vehicle theft where you live, your age, if you are a man or woman, and if you own a home. We know insurance is not everyone’s favorite topic, but in this article we will cover these factors and others that can influence the price of auto insurance and should give you a good beginning to your quest for cheaper car insurance in Chicago.

The car, truck, or SUV to be insured is a large factor that determines whether or not you can buy the most economical car insurance for welfare recipients. Vehicles with high performance, a lack of safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models. The next table estimates coverage rates for a number of the most budget-friendly vehicles to insure in Illinois.

Cheapest Vehicles to Insure in Chicago, IL
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,960
Ford Escape XLT 4WD $2,005
Toyota Tacoma 4WD $2,206
Hyundai Elantra GLS Touring Station Wagon $2,250
Ford Focus S 4-Dr Sedan $2,282
Honda CR-V EX-L 2WD $2,301
GMC Sierra SLE Regular Cab 2WD $2,326
Toyota Corolla XLE $2,451
Honda Odyssey EX-L $2,456
Ford F-150 XL Regular Cab 2WD $2,489
Toyota Prius $2,492
Chevrolet Equinox LTZ 2WD $2,495
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $2,584
Chevrolet Impala LS $2,613
Toyota RAV4 Limited 4WD $2,664
Ford F-350 Super Cab Cabela Turbo Diesel 2WD $2,705
GMC Sierra 3500HD SLT Crew Cab 2WD $2,714
Jeep Wrangler Unlimited Sport 2WD 4-Dr $2,708
Dodge Ram 2500 Crew Cab Laramie 4WD $2,714
Dodge Grand Caravan SXT $2,715
Compare Rates Now Go

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in specific location which can change prices substantially.

Looking at the rates, you can assume that models like the Honda Accord, Ford Escape, and Toyota Tacoma should be a few of the most budget-friendly vehicles to insure for drivers on welfare.

Finding reliable, affordable auto insurance is easier said than done, and deciding which companies have the best insurance rates for welfare recipients will involve more quotes for comparison.

Every auto insurer has their own guidelines for setting prices, so first we will examine the insurance companies that tend to have lower prices in Illinois.

Best Car Insurance Prices in Illinois

Get a Free Quote and Save

Who has the cheapest car insurance in Illinois?
Rank Company Cost Per Year
1 The Hartford $753
2 Rockford Mutual $847
3 Titan $860
4 Erie $905
5 Cincinnati Insurance $915
6 Travelers $961
7 SECURA $965
8 Utica National $984
9 USAA $988
10 State Farm $1,012
11 Auto-Owners $1,053
12 Safeco $1,053
13 GEICO $1,118
14 Amica $1,120
15 Farmers $1,170
16 Progressive $1,206
17 MetLife $1,207
18 California Casualty $1,209
19 Esurance $1,221
20 State Auto $1,273
Quote Your Rates Go

The Hartford quotes some of the cheapest car insurance rates in Chicago at around $753 a year. This is $596 less than the average premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also are some of the cheaper Chicago, IL insurance companies.

As the rates illustrate above, if you are a policyholder with Erie and switched to The Hartford, you might realize a yearly savings of approximately $152. Drivers with Cincinnati Insurance might save as much as $162 a year, and Travelers customers might reduce rates by $208 a year.

It’s important to note that these policy prices are averaged for all types of drivers and the different vehicles they drive and do not factor in a specific zip code for welfare recipients. So the auto insurance company that can offer you the best rate may not even be in the list above. That’s why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

Picking a high-quality car insurance company can be a challenge considering how many choices drivers have in Illinois. The rank data in the next section could help you analyze which car insurance providers you want to consider putting your business with.

The ratings below are only made up of the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not factored into the list. If you wish to compare prices from these top-rated insurers and more, follow this link.

Top 10 Large Auto Insurers Overall in Chicago

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Types of discounts on Chicago auto insurance

Insurance for drivers on welfare in Chicago, ILInsurers that offer quotes for welfare recipients may additionally offer rate discounts that may potentially lower prices by as much as 35% if you qualify for them. Large insurance companies and some of the premium reductions they offer can be found below.

The illustration below illustrates the difference between insurance prices with and without discounts being applied to the rates. The costs are based on a male driver, no claims or violations, Illinois state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, multiple policy, vehicle safety, marriage, defensive driving course, and anti-theft discounts applied. When these discounts are applied, theaverage amount saved on insurance for welfare recipients is 28% or $342.

How to find economical insurance for welfare recipients

It’s not impossible to find cheaper rates, and here are some of the recommended thrifty suggestions that can help drivers buy cheap coverage.

That last idea is especially necessary, as was discussed in the prior information. Prices charged by companies fluctuate considerably, so don’t be afraid to change insurance companies if you can find a cheaper rate. Staying with the same company for years is fine, but it’s not a great idea if it’s costing you hundreds every year. In just a couple of minutes you could shop around and find cheaper auto insurance for welfare recipients in Chicago.

If you prefer to have professional advice when comparing insurance rates for drivers on welfare, the insurance agencies listed below can most likely aid you in deciding which car insurance policy is best.

To locate a Chicago car insurance agency closest to you, click the button at the bottom or click here to compare rates now.

Find a Chicago, IL insurance agent near you