Car Insurance Companies in Chicago

Car insurance in Chicago is surprisingly affordable relative to the national average. Chicago residents paid an average of $1290 per year, compared to the national average of $1440. However, Chicago and Cook County residents paid significantly more than the state average, which is $973.

Several auto insurance companies have a strong presences in the Chicago area. Part of choosing the right company to meet your auto insurance needs is finding one that understands your particular regional area, so a local company, or at least one with offices in the area, may be the best choice for you.

Allstate Insurance has a corporate office in Chicago, and has strong ties to the city. Allstate’s main corporate offices are located in Illinois. Allstate is a company derived from the Sears Corporation, long a standard in the Chicago area. Because of the deep roots Allstate has in the area, it is one of the largest companies in Chicago and the premier auto insurance provider housed in the city.

In 2006, Progressive Insurance opened a new customer claims center in the Windy City. Designed to significantly reduce the time spent on claims, the Progressive center was one of forty-five national centers and the first to open in Illinois. Progressive service centers offer more hands-on claims management than that provided by telephone, which is the most common method of transferring claim information. Customers can visit the center and have a professional walk them through the claims process in a short amount of time. The new center makes Progressive a giant in the field of Chicago car insurance.

The rapidly-growing Geico Insurance Company also boasts large a Chicago presence. Local Geico agents, who are not available in all markets, are ready to talk with you about your insurance needs. Geico has been growing in customer numbers in the last few years, largely due to their competitive rates. Having personal service in the area means that they will be a more competitive force in the coming years.

Local agencies such as United Auto Insurance, operating in Northern Indiana and Illinois, may offer even more competitive rates geared to the particular area. Local companies tend to have more personal service, and a better understanding of Chicago clients. United Auto Insurance has been operating in the Chicago area for over 50 years, making it a sound company, even if it does not compete with the insurance giants. If you are looking for an agent who will be more likely to relate to you as a resident of Chicago, a local agency such as United might be your best choice.

Finding a Chicago auto insurance agent can be a difficult process. In order to fairly compare agencies and rates, think about what is important to you. Do you want insurance with a large corporation that has the funds to withstand claim activity? Do you feel more secure when you deal with a “hometown” agent who understands your individual needs? Are you eligible for substantial discounts because of your good driving record, or do you need “high risk” insurance offered only by certain companies?

By answering these questions, you will be able to choose the right insurance company for you.

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