Chicago Car Insurance (IL)

Chicago, Illinois has a population of 2.8 million, significantly higher than Detroit’s population (886,671) and yet the car insurance premiums are about three times LESS than Detroit’s rates. The average Chicago car insurance premium (assuming a midsize vehicle with $500 deductibles for both comprehensive and collision coverage) is $1,974, compared to Detroit’s average of $5,894!  Chicago is only slightly higher than the national auto premium average of $914, making it an affordable city to live in as far as car insurance rates are concerned.

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Ways to Save on Chicago Car Insurance

If you think $1,974 is more than your wallet wants to shell out each year, there are some ways you can reduce your Chicago car insurance.  You could start by selecting a car from the list of vehicles receiving highest safety ratings, as they provide reduced auto insurance rates:

• Large Cars:
  Audi A6
• Midsize Cars
  Audi A4, Saab 9-3, Subaru Legacy
• Minivans:
  Hyundai Entourage, KIA Sedona
• Small Suvs:
  Honda CR-V, Subaru Forester
• Midsize SUVs:
  Acura RDX, Honda Pilot, Subaru B9 Tribeca
• Luxury SUVs:
  Mercedes M Class, Volvo XC90

While the state of Illinois only requires that Chicago drivers are insured for the minimum coverage of $15,000 for property damage, $20,000 for bodily harm to one individual and $40,000 for bodily harm to two or more individuals, it may be wise to carry higher car insurance coverage.  Talk with your insurance provider to determine adequate levels of car insurance coverage for your situation.

Another way to lower the amount you pay for your auto insurance premium is to increase your deductible.  The higher your deductible, the lower you pay for car insurance year round; so provided you have some money saved to cover your deductible if you ever have to use it, having a higher deductible is an easy way to pay less for your auto insurance premiums.

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