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chicago car insurance

Chi-Town stakes claim to countless cultural conquests: deep deep-dish pizza, world-famous architecture, hotdogs stacked higher than said architecture, and — of course — some pretty intense wind.

To help you get the most out of your Midwestern metropolis, Esurance offers affordable car insurance in the Windy City — complete with round-the-clock customer service, an A+ rating with A.M. Best* (a leading independent rating organization), and online tools that make the insurance process simpler and easier to understand. Get a personalized Chicago car insurance quote in mere minutes to see how you could earn some smart savings today!

auto insurance discounts in chicago

Forget the wind — we want you to be blown away by how many opportunities we give you to save cash on your car insurance in Chicago! Here are but a few discounts we're slinging your way:

  • Online Shopper discount®
  • Defensive Driver discount
  • Multi-Policy discount
  • Good Student discount

Savings may vary. If you have any questions or concerns about an existing Esurance auto policy in Chicago, always feel free to give us a ring at 1-800-ESURANCE (1-800-378-7262) or take a gander at our page about Illinois car insurance.

chicago car insurance coverages

Required coverages

If you're ever found at fault in an incident that causes injury to another driver or damage to their property, liability coverage steps in to help make sure medical and repair bills don't have to come out of your wallet.

All Illinois drivers must carry the following minimum auto insurance liability limits in order to drive legally:

  • $20,000 of bodily injury coverage per person
  • $40,000 of bodily injury coverage per incident
  • $15,000 of property damage coverage per incident

This is just a starting point. You can always get quoted with higher coverage limits for additional financial protection in the event of an at-fault incident.

Uninsured motorist coverage

Illinois also requires all drivers carry uninsured motorist (UM) bodily injury coverage, which can help safeguard you and your passengers from paying hospital bills related to a collision with an uninsured driver. This coverage can also protect you in hit-and-run situations.

All residents in the Land of Lincoln must carry UM coverage at the following minimum limits:

  • $20,000 of uninsured motorist bodily injury per person
  • $40,000 of uninsured motorist bodily injury per incident

Underinsured motorist (UIM) bodily injury coverage can help pay for accident-related medical bills for you and your passengers if someone without sufficient liability coverage limits hits you. You may also be required to purchase UIM coverage if you buy UM coverage limits higher than the state-required minimums.

Optional coverages

Adding these extra protections to your Chicago auto insurance policy offers you extra monetary security if you ever need to file a claim. Here's a sampling of what we offer:

  • Uninsured motorist property damage
  • Medical and funeral services payments
  • Comprehensive and collision
  • CarMatch Rental Coverage®

Plus, you can get personalized coverage options from Esurance's super-smart CoverageMyWay®, which remembers everything you tell it during your online quote.

driving in the windy city

Auto theft in Chicago

More than 70,000 cars were reported stolen in Chicago between 2008 and 2012, according to the Illinois Vehicle Theft Prevention Council. And thieves don't seem to discriminate — 42 of the city's 50 wards recorded more than 100 stolen vehicles in 2013. Comprehensive coverage can offer financial protection against theft, vandalism, and much more.

Cramped commuting

In 2011, Chicago's traffic congestion cost commuters an average of $1,153 each in lost time and extra fuel expenses, according to data from the Texas Transportation Institute. There were about 5 million travelers on the roadways during peak times, which lasted a collective average of 5.25 hours per day.

e-star® repair shops

Any Esurance policyholder (or any driver involved in a crash with one) can track their vehicle's repairs online with RepairView®, our cutting-edge online monitoring tool. Plus, all the shops in our nationwide E-Star network offer guaranteed repairs at a trustworthy garage near you.

Here are just a few shops we work with in the city.

Erie-Lasalle Body Shop on Kedzie
2440 S. Kedzie Ave.
Phone: 773-762-5571

Paul Ries & Sons
3940 W. Armitage Ave.
Phone: 773-227-8300

Gerber Collision & Glass
4545 N. Elston Ave.
Phone: 773-725-7200

Accurate Auto Body CARSTAR
5430 W. Montrose Ave.
Phone: 773-725-7704

Service King Collision Repair of Roseland
821 W. 116th St.
Phone: 773-660-9400

Tom & Jerry's Auto Body
5644 Northwest Hwy
Phone: 773-775-6767

Fear not if you don't see a listing nearby — there are plenty more where these came from. Find the closest E-Star repair shop just by entering your ZIP Code.

Related links

The official site for the Illinois Secretary of State
Still have questions about car insurance in Chicago? Get the rundown on everything from license plate renewal to drivers license info straight from the source.

Illinois homeowners insurance
Get the best defense against risk for your house in Illinois with reliable homeowners insurance.

Wonder if you could be saving on car insurance?

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Or call 1-800-378-7262.