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Get Cheap Car Insurance in North Chicago, IL
We monitor insurance prices, helping the average driver in North Chicago save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in North Chicago
The chart below shows the cheapest car insurance company in North Chicago for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Country Financial, Metromile, and American Family Insurance.
| North Chicago Insurer | Monthly Cost |
|---|---|
| State Farm | $64 |
| Country Financial | $70 |
| Metromile | $76 |
| American Family Insurance | $82 |
Savings for Every Kind of North Chicago Driver
Based on our extensive insurance data, we know the average North Chicago driver will save about 23% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $448 per year by choosing the right vehicle insurance company. Some North Chicago residents are paying out over $1,918 extra every year for auto insurance in North Chicago. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
North Chicago, IL Savings / Yr. |
|---|---|
$448 |
|
$843 |
|
$674 |
|
$707 |
|
$1,742 |
|
$501 |
|
$644 |
North Chicago Car Insurance vs. Illinois
People living in North Chicago pay an average of 26.95% more than the typical driver in the state. The average driver in North Chicago can expect to pay about $1,139 per year, or $1,918 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in North Chicago for most people.
Car Insurance Prices by North Chicago Neighborhood
Insurance Prices
Where is insurance cheapest within North Chicago?
The map shows insurance prices in and around North Chicago, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $694 per year within the city boundaries, with insurance premiums ranging from a high of $2,147 to a low of $1,453. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of North Chicago.Pick the Best Car Insurance Company for You in North Chicago
The best car insurance provider for most drivers in North Chicago
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $448 over the average North Chicago car insurance company.
The best car insurance provider for North Chicago drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $843 over the competition.
The best car insurance company for North Chicago drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $674 better than other car insurance companies.
The best auto insurance for North Chicago drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $707 less each year.
The least expensive car insurance company for new and young drivers in North Chicago
In North Chicago, State Farm costs young drivers $1,742 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in North Chicago
State Farm gave the largest car insurance discounts to married couples, averaging $501 saved each year compared to an average North Chicago couple's premiums.
The cheapest car insurance in North Chicago for drivers with bad credit
The best North Chicago car insurance company for customer service
Nationwide was the best company for customer service in North Chicago according to the NAIC.
Recent price drops
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The cheapest large national provider in North Chicago
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average North Chicago driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In North Chicago, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, young drivers, drivers with bad credit, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around North Chicago
What Influences the Cost of Car Insurance in North Chicago?
On average, car insurance in North Chicago is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in North Chicago is 32 minutes, which is about the national average for a driver in the state.
- Illinois state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in North Chicago are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- North Chicago is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in North Chicago is $95 per month for minimum coverage and $160 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Great Lakes: Insurance costs 19.34% less
- Park City: Insurance costs 5.47% less
- Waukegan: Insurance costs 0.94% less
- Lake Bluff: Insurance costs 20.13% less
- Green Oaks: Insurance costs 21.58% less
- Gurnee: Insurance costs 16.21% less
- Mettawa: Insurance costs 24.92% less
- Libertyville: Insurance costs 22.63% less
- Lake Forest: Insurance costs 20.54% less
- Beach Park: Insurance costs 14.18% less
Cities with Similar Populations
- Cambridge: Insurance costs 3.44% less
- Wallkill: Insurance costs 24.71% more
- Wapakoneta: Insurance costs 45.31% less
- Warren: Insurance costs 30.03% less
- Warrenville: Insurance costs 19.60% less
- Warrington: Insurance costs 35.14% more
- Washington: Insurance costs 37.12% less
- Waterford: Insurance costs 0.05% less
- Welby: Insurance costs 13.40% more
- Cherry Hill: Insurance costs 28.00% less