The words "economical" and "insurance" probably shouldn't be used in the same sentence, especially when you are trying to find the lowest insurance rates for teenage males. Because it's so expensive, let's start off by going over some of the things that have an effect on insurance prices, and find a few ways to reduce the cost of your next policy.
One of the more important things that are looked at to help calculate the price you pay for insurance is where your residence is in Chicago. Regions with more people or even just more weather-related claims tend to pay more, whereas areas with less congestion have the luxury of lower rates.
The next table shows the most expensive areas in Illinois for teenage males in which to purchase auto insurance. Chicago is listed at #2 with the yearly price of $1,529 on average, which is approximately $127 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Cicero | $1,541 |
| 2 | Chicago | $1,529 |
| 3 | Berwyn | $1,464 |
| 4 | Skokie | $1,433 |
| 5 | Evanston | $1,276 |
| 6 | Des Plaines | $1,248 |
| 7 | Oak Lawn | $1,243 |
| 8 | Waukegan | $1,212 |
| 9 | Joliet | $1,180 |
| 10 | Mount Prospect | $1,169 |
| 11 | Schaumburg | $1,169 |
| 12 | Palatine | $1,155 |
| 13 | Tinley Park | $1,154 |
| 14 | Rockford | $1,153 |
| 15 | Orland Park | $1,149 |
| 16 | Elgin | $1,139 |
| 17 | Bolingbrook | $1,128 |
| 18 | Arlington Heights | $1,128 |
| 19 | Springfield | $1,059 |
| 20 | Peoria | $1,050 |
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Price information shown is estimated as specific Chicago garaging address can impact price quotes greatly.
Locating low-priced auto insurance is not the easiest thing to do, and determining which companies have the lowest-priced auto insurance rates for teenage males requires even more rate comparisons.
Each insurance company has a unique approach to set policy rates, so let's begin by taking a look at the auto insurance companies with the overall best prices in Illinois. It's important that you understand Chicago auto insurance rates are calculated based on many things which can significantly increase or decrease the price you have to pay for coverage. Simply having a birthday, adding a teenager to your policy, or getting a DUI can trigger price changes that can make some companies more affordable than others.
Lowest Insurance Price Quotes for Teens
The Hartford may offer some of the lowest car insurance rates in Chicago at around $769 each year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also are some of the best Chicago, IL car insurance companies.
As the rates illustrate above, if you are a customer of Erie and switched to Rockford Mutual, you could realize annual savings of approximately $40. Drivers with Cincinnati Insurance might save as much as $77 a year, and State Farm customers might realize rate reductions of up to $125 a year.
To discover how much you can save, click here to start your custom quote or feel free to get quotes from the companies below.
Be aware that those policy rates are averaged for all types of insureds and vehicles and and are not figured with an exact zip code location for teenage males. So the insurer that fits your needs best may not even be in the list above. That affirms the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
Buying coverage from the highest-rated car insurance provider can be rather challenging considering how many companies there are to choose from in Illinois. The company ratings displayed below may help you select which companies to look at when buying insurance for teenage males. The ratings below include companies with a national presence, so companies that focus mainly on Illinois business are not taken into consideration for these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
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Data Source: Insure.com Best Car Insurance Companies
Impact of citations and accidents on insurance rates
The easiest method to earn cheap auto insurance premiums in Illinois for teen boys is to drive attentively and avoid traffic citations and accidents. The diagram below demonstrates how traffic citations and accident claims can affect yearly insurance costs for each different age category. The rate quotes are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
In the example above, the average cost of auto insurance in Illinois per year with no accidents or violations is $1,056. Factor in one speeding ticket and the average cost surges to $1,213, an increase of $157 each year. Next add one accident along with the one speeding ticket and the yearly cost of auto insurance for teenage males increases to an average of $1,647. That's an increase of $591, or $49 per month, just for being a little careless behind the wheel!
The agents shown below are a good start to aid you in deciding which policy fits your needs best, since some drivers have questions and prefer to get some help when shopping for the best coverage for teen boys. It's not always easy to find coverage yourself, so getting advice from a licensed Illinois insurance agent can add satisfaction knowing your coverage gives you enough coverage when you need it.
To locate a Chicago insurance agent in your neighborhood, click the button link following the list or click here to compare price quotes.
- Liane Williams - State Farm Insurance Agent
3143 W 71st St - Chicago, IL 60629 - (773) 436-7500 - Allstate Insurance: Maribel Marron
3060 W Armitage Ave - Chicago, IL 60647 - (773) 572-9495 - Eagle Insurance Agency
3517 N Spaulding Ave - Chicago, IL 60618 - (773) 463-7576 - Judith Gleason - State Farm Insurance Agent
2643 N Harlem Ave - Chicago, IL 60707 - (773) 637-8547
Find a Chicago, IL insurance agent near you
How to find low-cost auto insurance for teenage males
The list below summarizes some of the recommended penny-pinching suggestions that can help Illinois drivers get more affordable coverage.
- Do not pay for comprehensive and collision coverage on older vehicles
- Remain accident-free and save
- Increase your credit rating
- Buy a vehicle with excellent safety ratings
- Home or renters coverage can save on auto insurance
- Comparison shop at least once a year
That last tip is extremely necessary, as was discussed in the prior information. Prices charged by companies in Chicago can be changed at any time, so don't hesitate to change to a new company if a cheaper rate is available. Having a favorite company is fine, but we do not recommend it if that inflexibility results in costing you potentially thousands of dollars a year. It takes less than five minutes to compare rates and find cheaper car insurance for teenage males.