Car Insurance Quotes in Chicago, IL

Auto Insurance in Chicago

Find the right car insurance in Chicago, IL with GEICO. The benefits of switching to GEICO include:

  • Competitive auto insurance rates for Chicagoland drivers
  • Convenience of the GEICO Mobile app
  • Getting a fast and free car insurance quote online
  • Great customer service
  • Local insurance agents here to answer your auto insurance questions

Chicago has the highest population in Illinois and is the third most populous city in the United States. With so many people on the roads, driving can be unpredictable. That's why it's important to have a dependable car insurance policy in Chicago. GEICO makes it easy to get great car insurance coverage at a low rate. Get an auto insurance quote online today.

Illinois Car Insurance Coverage Requirements

Chicago drivers need to make sure their car insurance policy meets the minimum coverage requirements for the state of Illinois. Minimum auto coverage requirements for Illinois include:

  • Bodily injury liability coverage: $20,000 per person and $40,000 per accident
  • Property damage liability coverage: $15,000
  • Uninsured motorist bodily injury coverage: $20,000 per person and $40,000 per accident
  • Uninsured motorist property damage coverage: $15,000 with a $250 deductible*
  • Underinsured motorist coverage: $25,000 per person and $50,000 per accident*

While these are the minimum coverages Illinois requires you to have, everyone's insurance needs are different. Visit our Coverage Calculator to get a personalized recommendation.

Driving in Chicago

Chicago has major highways that lead into the downtown area from the north, south, and west. If you find yourself on one of those highways, heading downtown during rush hour, be sure to include plenty of extra time.

Street crossings, like Damen, Elston and Fullerton avenues should be avoided during rush hour. You may want to also steer clear of the Lincoln, Lawrence and Western Avenue intersections near shopping areas. Taking the scenic route via Lake Shore Drive may be the better option. You can enjoy views of Lake Michigan on one side and the city skyline on the other.

If you want to take a bus or a train, you'll find Chicago's public transportation system reliable and extensive. Buses and trolleys run regularly throughout the downtown area. Metra commuter trains provide quick and easy access to and from the surrounding suburbs. Chicago also has a rapid transit system known as the 'L' (short for "elevated"). It has eight rail lines designated by color, some of which run 24 hours a day.

Things to See in Chicago

Chicago is home to the two tallest buildings in the United States: the Willis Tower (formerly the Sears Tower), and Trump Tower. The city boasts wide streets which alleviate the feeling of claustrophobia common in other large cities.

Take a drive on North Michigan Avenue and you might encounter the Magnificent Mile. The "Mag Mile" extends from the Chicago River to Oak Street and is Chicago's largest shopping district. It's also home to some other famous buildings, like the John Hancock Center, the Wrigley Building, and Tribune Tower.

Chicago Winter Driving

Winter weather in Chicago can quickly make driving hazardous. Be sure to consider these tips if it begins to snow:

  • Drive carefully and slowly
  • Give snow plows plenty of space
  • Keep a winter emergency kit in your vehicle

Chicago Insurance Agents

GEICO makes it easy for you to access your policy and digital insurance ID cards 24/7 with the GEICO Mobile app. If you prefer to talk to someone, we have dedicated insurance agents across the greater Chicago area who are ready to answer any questions you may have about a GEICO car insurance policy. Learn more about our Chicago insurance agents.

More Info on Illinois Car Insurance

To read more about Illinois auto insurance, please visit our Illinois car insurance page. You'll find valuable information about things like required coverage levels and Illinois teen driving laws.

*Note that these coverages can be rejected.