You have most likely watched the catchy advertisements from car insurance companies like GEICO and The General that make claims of huge savings. So drivers should just choose the one with the best commercial, right?
Unfortunately, it’s just not that easy, as there are a lot of unknown factors like where you live, if you are married or single, the safety ratings of your vehicle, and if you have ever had a gap in coverage. Car insurance is kind of a dry topic, but this article will explain the best ways to compare rates and will give you a good beginning to your quest for cheaper car insurance in Illinois.
One of the more important components that are used to help calculate car insurance rates is your zip code in Chicago. Regions with more people or even just more weather-related claims tend to pay slightly more, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.
The information below lists the most expensive places in Illinois with multiple speeding tickets in which to purchase auto insurance. Chicago is ranked #2 having an annual price of $1,499 for the average policy, which is around $125 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Cicero | $1,588 |
| 2 | Chicago | $1,499 |
| 3 | Skokie | $1,433 |
| 4 | Berwyn | $1,421 |
| 5 | Des Plaines | $1,286 |
| 6 | Evanston | $1,238 |
| 7 | Oak Lawn | $1,231 |
| 8 | Waukegan | $1,224 |
| 9 | Mount Prospect | $1,205 |
| 10 | Orland Park | $1,184 |
| 11 | Joliet | $1,180 |
| 12 | Palatine | $1,155 |
| 13 | Rockford | $1,141 |
| 14 | Schaumburg | $1,135 |
| 15 | Bolingbrook | $1,128 |
| 16 | Tinley Park | $1,120 |
| 17 | Arlington Heights | $1,106 |
| 18 | Elgin | $1,105 |
| 19 | Springfield | $1,070 |
| 20 | Peoria | $1,060 |
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Table data uses comparative as the vehicle garaging location can alter prices significantly.
Finding out which companies quote the most affordable insurance rates with multiple speeding tickets will take a bit more effort than just picking a company at random. Every car insurance company uses a slightly different approach to set premium rates, so we’ll take a look at the insurance companies that tend to be cheaper in Illinois.
We do need to point out that Chicago insurance rates are influenced by many factors that can increase the price of your policy. Improving your credit score, buying a different home, or getting a DUI can trigger price changes resulting in some rates now being cheaper than competitors.
Best Insurance Companies with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $776 |
| 2 | Rockford Mutual | $838 |
| 3 | Titan | $860 |
| 4 | Erie | $878 |
| 5 | Cincinnati Insurance | $924 |
| 6 | Utica National | $946 |
| 7 | Travelers | $952 |
| 8 | USAA | $959 |
| 9 | SECURA | $965 |
| 10 | State Farm | $1,012 |
| 11 | Auto-Owners | $1,022 |
| 12 | Amica | $1,076 |
| 13 | Safeco | $1,095 |
| 14 | GEICO | $1,107 |
| 15 | Farmers | $1,146 |
| 16 | California Casualty | $1,173 |
| 17 | Esurance | $1,233 |
| 18 | State Auto | $1,236 |
| 19 | Progressive | $1,243 |
| 20 | MetLife | $1,244 |
| Find Your Rate Go | ||
The Hartford offers some of the best car insurance rates in Chicago at around $776 per year. This is $573 less than the average rate paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also make the cut as some of the best Chicago, IL insurance companies.
As depicted above, if you are a customer of Titan and switched to The Hartford, you might see an annual savings of in the neighborhood of $84. Customers with Erie could save as much as $102 a year, and Cincinnati Insurance policyholders might realize rate reductions of up to $148 a year.
To find the cheapest coverage for you, click here to begin a quote or visit any of the companies below.
Remember that these prices are averaged for all types of insureds and vehicles and do not factor in an exact vehicle garaging location with multiple speeding tickets. So the company that is best for you may not even be in the list above. That is why you need to get auto insurance quotes using your own individual information.
The vehicle that is being insured is probably the most important factor in finding cheaper car insurance with multiple speeding tickets. Vehicles with high performance features, poor safety ratings, or high incidents of liability claims will cost significantly more to insure than safer, lower-performance models.
The next table estimates coverage prices for a number of the more affordable vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra SE Touring Station Wagon | $2,996 |
| Honda Accord LX-P 4-Dr Sedan | $3,037 |
| Ford Escape XLS 4WD | $3,198 |
| Honda CR-V LX 4WD | $3,207 |
| Chevrolet Silverado LT Extended Cab 4WD | $3,264 |
| Jeep Grand Cherokee Laredo 4WD | $3,269 |
| Chevrolet Impala LT | $3,264 |
| Ford F-150 XLT Crew Cab 4WD | $3,324 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $3,333 |
| Toyota Prius | $3,371 |
| Toyota Camry SE | $3,441 |
| Nissan Rogue S 2WD | $3,494 |
| Kia Optima LX | $3,500 |
| GMC Sierra SL Crew Cab 2WD | $3,500 |
| Chevrolet Malibu Hybrid | $3,598 |
| Toyota Tacoma Double Cab 4WD | $3,603 |
| Ford Fusion S 4-Dr Sedan | $3,598 |
| Ford Explorer Limited 2WD | $3,667 |
| Chevrolet Equinox LS 2WD | $3,784 |
| Toyota RAV4 2WD | $3,792 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $3,806 |
| Dodge Grand Caravan SXT | $3,857 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $3,863 |
| Find Cheaper Rates Go | |
Data based on single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific garaging location which can alter premiums substantially.
By looking at the data, you can infer that cars like the Hyundai Elantra, Honda Accord, and Ford Escape are most likely going to be the most budget-friendly vehicles to insure after a few driving violations.
Finding a high-quality auto insurance provider can be a challenge considering how many companies sell coverage in Chicago. The company ratings below can help you select which coverage providers to look at purchasing coverage from. The rankings below include the largest companies in America, so companies with more of a regional focus are not factored into the list.
| 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
Get discount Chicago car insurance
Auto insurance companies that offer cheap quotes with multiple speeding tickets may also offer discounts that may potentially lower prices by 25% or more if you qualify for them. The best insurance companies and the discounts they provide are detailed below.
- Travelers offers discounts for payment discounts, IntelliDrive, continuous insurance, driver training, hybrid/electric vehicle, and save driver.
- 21st Century offers discounts including homeowners, defensive driver, automatic seat belts, driver training, teen driver, and early bird.
- State Farm policyholders can earn discounts including Drive Safe & Save, good driver, accident-free, safe vehicle, student away at school, Steer Clear safe driver discount, and anti-theft.
- GEICO discounts include anti-lock brakes, driver training, emergency military deployment, good student, defensive driver, military active duty, and multi-vehicle.
- SAFECO may offer discounts for teen safety rewards, multi-car, safe driver, accident prevention training, homeowner, anti-lock brakes, and bundle discounts.
- AAA has savings for pay-in-full, anti-theft, good student, good driver, and multi-car.
The illustration below illustrates the comparison of insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, one traffic citation and no accidents, Illinois state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with marriage, continuous coverage, vehicle safety, multiple policy, passive restraint, and paid-in-full discounts applied. In this example, theaverage yearly reduction on insurance with multiple speeding tickets is 28% or $465.
Why you should be shopping around
Chicago, IL insurance rates are impacted by many things that can increase the price you have to pay for coverage. Simply turning a year older, moving to a different location, or having an accident can trigger price changes that can cause some rates to be cheaper than others. And not only may your rating factors change, but car insurance companies modify pricing without warning in order to offset underwriting gains or losses. Unexpectedly high claims may cause increased policy costs, while lower claims may cause more affordable Chicago car insurance rates.
The data below demonstrates which company has the cheapest car insurance in Chicago, IL for a 40-year-old female driver with no prior accidents, a clean driving record, and excellent credit. When comparing rates based on her current rating profile, The Hartford might offer the best car insurance rates in Chicago at $1,211 a year. This is $138 less than the average policy premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are the remaining cheapest Chicago, IL auto insurance companies.
Now we will give the driver from the first example a claim surcharge, a lower credit rating, and a blemish on her driving record. Due to the fact that every auto insurer has a proprietary method to set premium rates, comparing insurance quotes could now result in a different set of the cheapest car insurance companies in Chicago as shown below.
Travelers now has the best price on car insurance in Chicago, IL with SECURA, USAA, State Farm, and Auto-Owners now being in the top five. This demonstrates why drivers need to perform a complete rate comparison to get affordable auto insurance quotes with multiple speeding tickets.
Insurance prices can be altered by many things and can increase or decrease at any time, so the most economical option a year ago may now be one of the higher cost companies.
The agents below are a good start to help you determine which coverage meets your needs best, since lots of drivers aren’t clear which coverage they need and would like to have a consultation when comparing insurance rates with multiple speeding tickets. It can be hard to find the cheapest rate yourself, and getting advice from a licensed Illinois insurance agent can bring satisfaction knowing your coverage gives you adequate protection. To find a Chicago insurance agency close to where you live, click the link at the bottom.
- Jim Tom – State Farm Insurance Agent
4317 N Lincoln Ave – Chicago, IL 60618 – (773) 477-3300 - Great Northern Insurance Agency
5632 S Pulaski Rd – Chicago, IL 60629 – (773) 838-3900 - Talro Insurance Agency
4900 W Belmont Ave – Chicago, IL 60641 – (773) 205-8255 - AArdvark Insurance Agency
1228 W Wilson Ave – Chicago, IL 60640 – (773) 961-8781