Best Chicago, Iillinois Car Insurance (2023)

Approximately 45 percent of Chicago residents own their homes, which is 19 percent less than the national average for homeownership. The average price of homes in Chicago is roughly $256,000.

How is homeownership a factor in car insurance premiums? Car insurance companies may increase your car insurance rates per year if you rent, rather than own, a home in Chicago.

According to a news report by the Chicago Sun-Times, renting rather than owning a home, or working in an unskilled job, could mean an extra $117 to $175 a year.

The Chicago Sun-Times added that motorists who don’t own homes are asked to pay higher car insurance premiums even when the renter lived on the same street as the homeowner.

Based on the information from Data USA, 55 percent of people living in Chicago are subject to pay more for car insurance.

Education in Chicago

The student population of Chicago, IL, is skewed toward women, with 95,638 male students and 129,670 female students.

A Data USA report stated the average tuition costs in Chicago, IL, is roughly $26,800 for private four-year colleges. Public four-year colleges and universities have in-state tuition that costs $7,500 and out-of-state tuition that costs $15,000.

What’s the ethnicity outlook for college students that graduate from the city of Chicago? Let’s look at some numbers and percentages.

Most students that graduate from colleges in Chicago are white followed by Hispanic and black students. Asian students have the lowest graduating percentage. These numbers aren’t because of retention rates, it’s due to the percentage of the college population by ethnicity.

Speaking of graduation, which college or university has the highest number of degrees awarded? We’ve provided data on those numbers.

The University of Chicago in Illinois had the most graduates in the state of Illinois in 2017. The university had over 7,500 total graduates, which accounted for 12 percent of Illinois overall graduate total.

DePaul University and the DeVry University of Illinois followed with 10 percent and 9 percent, respectively.

There are countless majors for each degree. Chicago is known for its strong culinary arts majors, but Data USA reflects something much different.

The most popular majors in Chicago were General Business Administration and Management, Liberal Arts and Sciences, and Accounting.

Let’s examine how many students enrolled in college with those majors.

More than 5,200 students enrolled in General Business Administration and Management in 2017. Only 1,700 students enrolled in Accounting at colleges and universities.

Wage by Race & Ethnicity in Common Jobs

Despite Chicago’s high performance in prosperity, there are several wage disparities in the region. When we narrowed the search by ethnicity, we can see the income disparities, which we’ve provided in a data table.

Pay close attention to the premiums as a percent of income, because it reflects the impact car insurance has on an individual’s income.

Chicago’s Asian population earns more than the white population in manager and medical-related fields despite having fewer population numbers. Black and Other ethnicities have the lowest average annual incomes.

Those with below-poverty-level-income pay a significant amount per year from their annual income. Cashiers in the Other ethnicity category are likely to spend 34 percent of their income on car insurance.

Wage by Gender in Common Jobs

What about gender? Is there a wage disparity among males and females in Chicago? The additional data collected here will show the major difference in pay between males and females.

Even though women pay less for car insurance premiums per year, women are likely to pay more as a percent of income. Take elementary and middle teachers, for example.

Companies will indeed charge the female less money, but the female motorist will pay more percentage-wise.

Poverty by Age & Gender

An estimated 550,000 people in Chicago live in poverty. That’s nearly 21 percent of the city’s population, which is higher than the national average poverty percent (13.4 percent).

The largest number of people who live in poverty are females between the ages of 25 to 34.

The highest male poverty percentage is men between the age of 18 to 24, with a 6.03 percent share in Chicago’s poverty population.

Poverty by Race & Ethnicity

What’s the poverty percentage for each ethnicity? There are some disparities in this subject poverty, also.

At least 36 percent of black residents living in Chicago live in poverty. Twenty-five percent of white residents live in poverty, which is 177,208 out of 2.72 million people in Chicago.

Employment by Occupations

Chicago’s job growth over recent years has been a gradual increase. Remember the Brookings 2019 Metro Monitor Report? Job growth has only grown by 2.9 percent. Data USA reports that employment in Chicago grew at a 0.413 percent rate, which didn’t increase the number of overall employees from 2016 to 2017.

The common jobs in Chicago are office and administrative support occupations, management occupations, and sales and related occupations.

Chicago has an exceptionally high number of residents working in the legal system, firefighting and fire prevention, arts, design, entertainment, sports, and media occupations.

The highest-paid individuals in Chicago are those who work in law enforcement, attorneys, paralegals, and IT professionals.

Driving in Chicago

Chicago is a major metropolitan area with buildings that rival other cities. Motorists have to be extremely careful, as traffic can get tight. Roadways are unpredictable, so it’s better to be cautious.

This section will give you a preview of what to expect along the roadways of Chicago. We’ll talk about major highways, popular Chicago streets, road conditions in Chicago, and red light cameras. Next, we’ll examine some facts about the most popular vehicle in Chicago and how many cars do most Chicago residents own. Also, we’ll include alternative methods of transportation.

Roads in Chicago

Chicago’s roads vary. This video will give you a visual of what you can expect to see in the Windy City.

Major Highways in Chicago

Illinois has 24 active interstate routes totaling 2,203 miles of roadway. Six of those interstates travel to Chicago, which are I-55, I-57, I-88, I-90, and I-94.

Here’s another video showing a closer look at I-90 and I-94.

What about toll roads? Most drivers prefer to divert away from them, but toll roads can get you to a destination much faster.

Chicago has about five toll roads.

There two ways Chicago motorists can pay and access toll roads. The first is using cash and coin at each toll road kiosk. Chicago is part of Illinois’s I-Pass/EZ-Pass system.

This system is connected to a user-fee web service where motorists can sign up and add money to an account designed to pay for toll road fees. The fees are used for maintenance and other fixes on Illinois roadways.

No state or federal money is used for the maintenance of Illinois roads. Chicago motorists are expected to pay up to $50 per year in toll road fees.

Popular Road Trips/Sites

One of the most popular places in Chicago is the United Center. The arena is where the NBA’s Chicago Bulls and NHL’s Chicago Blackhawks host their games.

Perhaps you want to see an area that’s greener and full of art. Chicago’s Millennium Park draws thousands of tourists per year. It’s hard to put into words about how popular these places are. Expedia provides an excellent guide in a short video, which can be viewed below.

Road Conditions

Good road conditions make commuting easier for all motorists.

According to data from a nonprofit national transportation research group called TRIP, most of Chicago’s roadways are mediocre, which stands at 35 percent.

Twenty-eight percent of Chicago roadways are considered poor, while fair roadways stand at 14 percent, and 22 percent of other roadways are measured as good roadways.

Why is this important? Road conditions are important because they can estimate changes in vehicle travel speeds and delays, which in turn affects vehicle operating costs (VOCs).

VOCs are costs that change with vehicle use, such as fuel, tires, repairs, and mileage-dependent depreciation costs.

The average VOC in Chicago is $627.

Does Chicago use speeding or red light cameras?

Chicago traffic officials claim red light cameras have curved traffic-related injuries by 10 percent.

An IIHS article reported large cities with red light cameras reduced the fatal red light-running crash rate by 21 percent and the rate of all types of fatal crashes at signalized intersections by 14 percent.

The penalty for getting caught running a red light in Chicago, Illinois, is a fine not to exceed $100. The motorist will have to complete a traffic education program. Sometimes, you may have to take the program and pay the fine.

Your driver’s license could possibly be suspended if you fail to pay any fine or have multiple offenses. These offenses are not considered a traffic violation and will not appear on your driving record.

Even though there are reports that show how they prevent crashes, there’s criticism on red light camera use. This short video from Vox shares their criticism of red light cameras.

Vehicles in Chicago

With so many people in Chicago, you’re likely to see an array of vehicles from Chevy to Tesla. Some say the most unusually popular car in Chicago is the Monte Carlo. But Chicago’s choice car isn’t narrowed down to just one vehicle make and model. Chicagomag.com lists multiple vehicles that Chicago motorists prefer.

Also, we’ll include some facts about the average number of vehicles owned, households without a vehicle, speed traps, and vehicle theft in Chicago.

Vehicles Most Popular Vehicles Owned

The top three vehicles owned in Chicago are Chevrolet, Ford, and Toyota. The Times of Northwest Indiana argues that the top vehicles in recent years are Honda, Toyota, and Nissan.

Some of the most popular vehicles in Chicago are the Honda Accord, Toyota Corolla, and the Chevy Impala. These sedans are known for their fuel economy and longevity on the road. They’re quite popular among drivers of various ages and genders.

Also, Honda, Toyota, and Chevy sedans are practical vehicles for long commute along interstates and regular commutes throughout the town.

How Many Cars Per Household

Only 39.4 percent of Chicago residents own one vehicle per household. The national average for vehicle ownership shows that most U.S. citizens own two cars. Forty-one percent of households in the U.S. own two cars, while households in Chicago that own two cars stand at 29 percent.

Households Without a Car

Households without a car in Chicago is higher than the national average. Approximately 17 percent of households in Chicago do not own a vehicle, which is 13 percent higher than the U.S. average in 2017.

In 2015, 27 percent of households in Chicago didn’t own a vehicle. By 2016, households without a car increased to 28 percent.

The 15 percent drop in households without a car shows some Chicago residents are doing better economically despite the levels of poverty in the city.

Speed Traps in Chicago

What are speed traps?

Speed traps are a law enforcement tactic where one or several police officers hide intentionally to catch drivers who are speeding on roadways.

The latest speed trap reported was on February 21, 2019. A Chicago motorist listed a speed trap on I-94 East and Cicero Avenue going south.

The question of whether speed traps are legal depends on the state. In Chicago, it’s legal. Lawmakers see speed traps as similar to the red light camera surveillance system, in which motorists are penalized for breaking the law even if they are not aware they’re being watched by law enforcement.

Vehicle Theft in Chicago

The Federal Bureau of Investigations (FBI) reported over 10,000 vehicle thefts in the city of Chicago. That’s more than any other city in the state of Illinois. Check out this Chicago theft report from CBS Chicago.

What are the safest neighborhoods in Chicago?

Crime is everywhere, but there are a lot of safe neighborhoods in Chicago. The top three safest neighborhoods in Chicago, IL:

1. N Ozanam Ave / N Avondale Ave
2. W Devon Ave / N Central Ave
3. N Caldwell Ave / N Lehigh Ave

According to Neighborhood Scout, your chances of becoming a victim of a crime in Chicago is one in 91. The chances of becoming a victim in the state of Illinois, however, is one in 228.

For every 1,000 residents in Chicago, 11 people are victims of violent crime. For cities across the U.S., the national average of victims of violent crimes per 1,000 residents is four.

Neighborhood Scout crime analysts list Chicago as eight on the Crime Index, where 100 is the safest rating.

Chicago’s annual crime numbers are 119,060 at a rate of 44 per 1,000 who are victims of crime.

Traffic

If you’re traveling to Chicago or seeking permanent residence, expect longer-than-usual commute times than you’re used to. Five major highways lead to Chicago, and two of them flow right through the metropolitan area.

This sub-section of the guide will alert you on the average commute times in Chicago, traffic congestion levels, common methods of travel, a list of the busiest highways, some fatalities data, and other facts that’ll help you prepare for Chicago’s roadways.

Traffic Congestion in Chicago

The city of Chicago accounts for most of the traffic congestion in the State of Illinois, due to the city’s massive population. To this in real-time, we’ve collected information from three online traffic congestion agencies that record and analyze traffic congestions for major cities around the world.  Those agencies are known as Inirix, TomTom, and Numbeo. Check out their stats below.

Here’s the data from Inirix.

The data listed is annual data. For example, “hours lost in congestion” occurs over the course of a year rather than a day. Therefore, a motorist will likely spend 138 hours in traffic congestion in Chicago, Illinois.

Next is TomTom’s traffic congestion numbers. Check out the data below to see if there’s a disparity between Inirix.

TomTom ranks Chicago, Illinois, as 14. TomTom analyzed the total hours of extra driving time into one day. So, the extra time spent in traffic congestion, according to TomTom, is nearly 30 minutes.

Finally, let’s examine Numbeo’s analysis of Chicago’s traffic congestion.

There’s not much of a difference in this data. Numbeo’s ranking of U.S. cities is close to TomTom’s ranking, and the hours spent in traffic per year is similar to Inirix’s calculation.

Now that you see the analyzed data, watch this short video from CBS Chicago. It compares Chicago traffic congestion to Los Angeles and how traffic in Chicago is surpassing the City of Angels.

Transportation

Commuting through Chicago can be a joy or a chore. Motorists who just moved to Chicago should expect longer-than-average commute times. Any super commute (travel times longer than 90 minutes) through Chicago will increase time even further.

Speaking of commute times, did you know the Chicago commute time is seven minutes more than the national average commute, which is 26 minutes. During peak traffic hours, expect Chicago 33 minute commute time to increase.

Since Chicago has so many streets, highways, and high population numbers, your method of travel could affect your commute time. More than 48 percent of Chicago residents drive alone to work, while 28 percent use public transportation. About 8 percent of Chicagoans carpool.

Busiest Highways

Interstate-53 (I-53) and Interstate (I-90) are the busiest highways in Chicago. Both highways have 12 lanes. These highways can be extremely congested during morning and evening peak hours.

How safe are Chicago streets & roads?

It’s not easy measuring the safety of Chicago’s roadways. You’ll run across various opinions as you search online, but you can come to a definitive opinion once you see the facts regarding Chicago’s motor vehicle fatality rates.

To be clear, no state or city within the U.S. has gone without a motor vehicle fatality. At some point in recent years, there have been a few. This sub-section will reveal those fatalities rates in Chicago by county.

The first data table is the total number of crashes in Illinois by county. This comprehensive table will allow you to compare Chicago’s counties (Cook County, DuPage County, Will County, Kane County, Kendall County, and Lake County) to other counties in the state of Illinois.

Cook County and DuPage County have the highest number of total crash fatalities in Illinois.

Let’s narrow our search and examine Chicago’s DUI related fatalities in 2017.

When we compare Cook County and DuPage County to other counties in Illinois, we see that Chicago had more DUI related crashes than any other county.

The information provided in this table below is more concentrated on counties in Chicago. We’ve added the total number of crashes throughout 2017 to show Chicago’s share in total crashes over the years.

In four years, Chicago had over 700 single-vehicle crashes. There’s a great disparity between Cook and DuPage County.

Let’s expand our data table once more and look at all the counties in Illinois with speed fatality numbers.

The most fatalities involving speed in Illinois are in Chicago’s counties. The most speed fatalities were in Cook County, with 143 speed-related fatalities.

Next, we’ll examine roadway departures and intersection fatalities. Road departures are events where vehicles veer off the road as a result of a collision or other related accidents. Here’s the data.

In Cook County, 88 vehicles veered off the road following fatal car accidents in 2017, but more crash fatalities occurred in Cook County intersections.

Who’s likely to be affected by a fatal accident? Is it pedestrians, cyclists, or people in vehicles? When we take all of these factors into consideration, we see how pedestrians, cyclists, and people in vehicles are affected per year. Here are their numbers.

The most fatalities occurred while motorists were driving their vehicles.

What type of road do crash fatalities occur on? Do they happen more on urban roads or highways? Let’s look at some data to determine this.

There were more crash fatalities on other access roads in Chicago. Urban interstates were second in crash fatalities rates.

The U.S. Department of Transporation (USDOT) records crash fatality data that involves trains. We’ve narrowed our search once again and provided data related to Chicago’s most populated county.

Railroad fatalities were minimal in Cook County. The most fatalities involving railroads were four fatalities in 2015.

Allstate America’s Best Drivers Report

Now that you’ve seen how crash fatalities affect Chicago, let’s look at how well motorists drive in the Windy City. Allstate provides a report on driving performance, which we’ve summarized in the data table below. This data was recorded in 2018. We’ll compare it to the 2019 Allstate report.

This data was recorded in 2018. We’ll compare it to the 2019 Allstate report.

Chicago dropped to rank 133 in the safest driving city in the U.S. The average years between claims increased to eight. Hard-braking events increased to 29 miles.

Ridesharing

With such a busy metropolitan area, Chicago is likely to have every major ridesharing service available in the U.S. Lyft, Uber, taxis, and other forms of carpool services are available for Chicago residents who want to save money on gas or simply don’t own a vehicle.

E-star Repair Shops

If you’ve recently been in a collision in Chicago, you’ll be searching for a car repair center in the city. This guide can help cut your search in half. Here are the top 10 repair shops in the Chicago area.

Be sure to consult your car insurance company when you get estimates from any repair shop so they can issue a claimant check to the repair shop in order to cover damage expenses.

Weather

Chicago is one of the cities with mild summer temperatures and frigid winter temperatures. Weather can be unpredictable in Chi-town, but there is some consistency to temperatures and precipitation, which can be found in this data table.

Even though the average low temperature is about 43 degrees, winter temperatures can reach 32 degrees or below (below 0 degrees Fahrenheit).

Another thing to consider is how natural disasters affect the Chicago area. The number of national disasters that occurred in Chicago, particularly Cook County, were 19, six disasters higher than the U.S. national average. In Chicago, most natural disasters that occur are flooding from rain.

To prepare for natural disasters, it’s essential to enroll in comprehensive car insurance to cover the cost of flood damage of your vehicle.

Comprehensive coverage pays for any damage caused by falling objects, vehicle theft, flooding, or any miscellaneous event that damages your vehicle.

Public Transit

Chicago’s public transit is called Ventra. Here’s a video explaining how to use Ventra.

Alternate Transportation

If you don’t want to use Ventra, you can use Chicago’s subway surface, known as “L.” Fares cost $2.50, but there are $5 commutes to and from O’Hare Airpot.

Free transfers between all “L” routes are available at designated locations. If you transfer to a transit bus, it will cost 25 cents.

Transfers are valid for two hours.

Here’s another video that gives comprehensive information to Chicago’s public transit system.

Parking in Metro Areas

Parking in Chicago can be quite expensive. The average price of parking in Chicago’s metropolitan area is $15 per hour. Places like the Hampton Inn Majestic Chicago Theater District Hotel charge as much as $30 per hour.

As you venture out from downtown Chicago, rates for parking are as low as six dollars.

Air Quality in Chicago

How much do cars pollute the air of Chicago? It’s one of the things environmentalists try to minimize and bring awareness to.  The U.S. Environment Protection Agency (EPA) collected information regarding air quality numbers throughout the year. Here are the numbers.

In 2018, the air quality was moderate most of the year. Only 117 days of the year were considered days with good air quality.

Military/Veterans

Over 24,00 miliary veterans who were in the Vietnam Conflict live in Chicago.

There are two military facilities near Chicago. The Naval Station Great Lakes location is one hour away from Chicago, while the Scott AFB Guide facility is over four hours away.

Other major car insurance companies such as Allstate, Esurance, and Geico offer military discounts. Nationwide, Progressive, and Travelers are some of the car insurance companies that do not offer car insurance discounts to military personnel.

If you’re in the military and are searching for discounts for car insurance, try USAA. USAA is specifically for active military, retired military, and immediate family of military personnel. Car insurance premiums from USAA are much cheaper in general.

These rates often rival other companies to their affordability and customer satisfaction results. Expert Insurance Reviews has a comprehensive guide of these rates on our Illinois car insurance guide, also.

Unique City Laws

Chicago hands-free driving law complies with Illinois state law that no driver shall be texting or handling a device while behind the wheel of a car — using a device while driving can result in fines and/or the suspension of your license.

There’s also a food truck law in Chicago. Those who want to start a food truck not only need a business license, but they will also need a permit to sell food from their food truck in Chicago. You can learn more about Chicago’s food truck law on Chicago’s government website.

What about tiny home laws? Even though tiny homes were proposed to Chicago two years ago, city officials agreed not to allow Tiny Homes in Chicago.

Parking laws are simple. If you park by a parking meter, you should deposit the correct change into the meter. Illegal parking will get a ticket and a fine. There’s a Q and A for motorists in Chicago if they’re wondering about a parking ticket.

Chicago Car Insurance FAQs

Below are some commonly asked questions about Chicago car insurance.

Why is Chicago called the Windy City?

According to local Chicago lore, Chicago is called the Windy City because of the “hot air” blown in from politicians.

Why are Chicago’s winters so cold?

Chicago is right next to Lake Michigan, and it’s a few hundred miles away from the Canada border. Polar vortexes often cover the upper Mid-West and Northeast regions of the U.S.

How did Chicago get its name?

History.com reported: “The name Chicago comes from a Miami Indian word for the wild leeks that grew on the bank of the short Chicago River. Over the centuries the Miami, Sauk, Fox, and Potawatomi tribes all lived in the area.

How was the Chicago River reversed?

In 1892, the first phase of Chicago’s Sanitary and Ship Canal began. It took eight years to complete and roughly 40 million cubic yards of earth and rock were removed along the 28-mile canal. The project required innovative techniques that became the “Chicago school of earthmoving.”

By 1900, the first phase of the canal opened, with the river permanently reversed.

Which Chicago airport is closer to downtown?

The closest airport to downtown is Midway Airpot. It’s an easily accessed area that’s ideal for business travelers.

Conclusion

The sole purpose of this guide to give you some general information on the city of Chicago while guiding you to a car insurance premium that you can afford. Use this information to your advantage as you shop for car insurance coverage.

Also, refer to this guide for quick answers to frequently asked questions. Use our free quote tool with just your ZIP code to start comparing rates.