Auto Insurance Quotes in Chicago - [Mom Prepared] (2025)

As a husband and wife raising children of various driving ages in Chicago, one of our biggest priorities is making sure our family is protected on the road. With four vehicles in our household, each with different drivers and needs, navigating the world of auto insurance quotes can be a bit overwhelming. However, we’ve done our research and found the best coverage options for our family’s specific circumstances.

Our first vehicle is a 2018 Honda Accord, which is primarily driven by our eldest daughter, who is in her early 20s. We opted for full coverage on this car, including comprehensive and collision insurance, as well as liability coverage. The monthly payment for this vehicle is $150.

Our second vehicle is a 2015 Toyota Sienna, which serves as our family’s primary mode of transportation. With multiple drivers, including our teenage son who is just starting to learn how to drive, we decided to go with a policy that includes liability coverage for all drivers, as well as uninsured motorist coverage. The monthly payment for this vehicle is $120.

Our third vehicle is a 2010 Ford F-150, which is used for hauling materials and equipment for our home renovation projects. Since this truck is not driven as frequently as our other vehicles, we decided to go with a basic liability coverage policy to keep costs down. The monthly payment for this vehicle is $80.

Our fourth vehicle is a 2019 Toyota Corolla, which is primarily used by my wife for her daily commute to work. We opted for full coverage on this car, including comprehensive and collision insurance, as well as liability coverage. The monthly payment for this vehicle is $130.

Over the years, some of our family members have received driving infractions that have resulted in increased auto insurance rates. Our eldest daughter was involved in a minor fender bender last year, which caused our rates to go up by $50 per month. Our teenage son received a speeding ticket for going 15 mph over the limit, which increased our rates by $75 per month. My wife was also cited for running a red light, resulting in a $100 per month increase in our insurance premiums. These infractions serve as a reminder to our family to always drive safely and responsibly.

When it comes to auto insurance in Chicago, there are a few common questions that many families have. Here are 12 questions and their answers:

1. What is the minimum auto insurance coverage required in Chicago?

In Chicago, drivers are required to have liability insurance that covers at least $25,000 for bodily injury to one person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.

2. Are there any discounts available for families with multiple drivers?

Many insurance companies offer discounts for families with multiple drivers, especially if they have a good driving record and multiple policies with the same company.

3. How can I lower my auto insurance rates in Chicago?

There are a few ways to lower your auto insurance rates in Chicago, including maintaining a clean driving record, taking defensive driving courses, bundling your policies, and choosing a higher deductible.

4. What factors can affect my auto insurance rates in Chicago?

Several factors can affect your auto insurance rates in Chicago, including your driving record, age, gender, credit score, the type of car you drive, and even your zip code.

5. Is it worth it to add comprehensive and collision coverage to my policy?

Adding comprehensive and collision coverage to your policy can provide added protection in the event of an accident, theft, or damage to your vehicle. However, it may not be necessary for older vehicles with a lower value.

6. Can I insure a teen driver in Chicago?

Yes, teen drivers can be insured in Chicago, but their rates are typically higher due to their lack of driving experience. It’s important to encourage safe driving habits and consider enrolling them in a defensive driving course to help lower their rates.

7. What should I do if I get into an accident in Chicago?

If you get into an accident in Chicago, you should first make sure everyone is safe and call the police to file a report. Exchange insurance information with the other driver and contact your insurance company to report the accident.

8. Can I change my auto insurance policy mid-term?

Yes, you can make changes to your auto insurance policy mid-term, such as adding or removing coverage, changing your deductible, or adding a new driver. However, some changes may result in a fee or adjustment to your rates.

9. Are there any special requirements for drivers in Chicago?

In Chicago, drivers are required to carry proof of insurance in their vehicles at all times. Failure to provide proof of insurance can result in fines, license suspension, or even vehicle impoundment.

10. How can I find the best auto insurance quotes in Chicago?

To find the best auto insurance quotes in Chicago, it’s important to shop around and compare rates from multiple companies. You can also work with an independent insurance agent who can help you find the best coverage options for your specific needs.

11. What is the average cost of auto insurance in Chicago?

The average cost of auto insurance in Chicago varies depending on several factors, including the type of coverage, the driver’s age and driving record, the type of vehicle, and the insurance company. On average, drivers in Chicago pay around $1,500 per year for auto insurance.

12. What should I do if my auto insurance rates increase?

If your auto insurance rates increase, it’s important to contact your insurance company to find out the reason for the increase. You may be able to lower your rates by taking defensive driving courses, improving your credit score, or shopping around for a new policy.