Wouldn't it be awesome if we could look into our crystal ball and tell you the one company that has the best insurance prices for government employees? It's not quite that easy, unfortunately, as there are a lot of unknown elements such as the safety features built into your vehicle, your date of birth, and the level of liability coverage you want, that all factor into the price you pay. We will try to teach you about the best ways to save on auto insurance and will hopefully give you a good start in finding the cheapest car insurance in Illinois.
For state and federal workers, one of the big criteria that are looked at to determine auto insurance rates is the neighborhood you call home. Areas with more people or more claims will most likely pay more, whereas areas with less crime or weather claims have the luxury of lower rates.
The next table sorts the priciest cities in Illinois for government employees to purchase a policy in. Chicago shows up at #1 with a yearly cost of $1,544 on average, which is about $129 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Chicago | $1,544 |
| 2 | Cicero | $1,541 |
| 3 | Berwyn | $1,406 |
| 4 | Skokie | $1,391 |
| 5 | Oak Lawn | $1,281 |
| 6 | Evanston | $1,238 |
| 7 | Des Plaines | $1,236 |
| 8 | Mount Prospect | $1,217 |
| 9 | Waukegan | $1,188 |
| 10 | Orland Park | $1,184 |
| 11 | Schaumburg | $1,157 |
| 12 | Joliet | $1,145 |
| 13 | Palatine | $1,143 |
| 14 | Tinley Park | $1,132 |
| 15 | Bolingbrook | $1,128 |
| 16 | Rockford | $1,119 |
| 17 | Elgin | $1,117 |
| 18 | Arlington Heights | $1,106 |
| 19 | Aurora | $1,085 |
| 20 | Peoria | $1,082 |
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Prices are estimated as the specific zip code location can change price quotes substantially.
Trying to buy low-cost insurance is tough enough, and deciding which company quotes the cheapest auto insurance rates for government employees calls for even more rate comparisons. Every car insurance company has a proprietary method to set premium rates, so first let's look at the rankings for the auto insurance companies that tend to be cheaper in Chicago, IL.
It's important to know that Illinois auto insurance rates are impacted by many factors which can substantially decrease or increase your annual premium. Improving your credit score, having a teen driver, or getting a reckless driving citation can cause premium changes that can now make some companies more expensive than competitors.
Cheapest Insurance Rates in Illinois
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $746 |
| 2 | Rockford Mutual | $822 |
| 3 | Titan | $852 |
| 4 | Cincinnati Insurance | $897 |
| 5 | Erie | $905 |
| 6 | Utica National | $946 |
| 7 | Travelers | $981 |
| 8 | State Farm | $982 |
| 9 | USAA | $988 |
| 10 | SECURA | $995 |
| 11 | Auto-Owners | $1,053 |
| 12 | Safeco | $1,085 |
| 13 | Amica | $1,087 |
| 14 | GEICO | $1,118 |
| 15 | Farmers | $1,181 |
| 16 | Esurance | $1,185 |
| 17 | California Casualty | $1,209 |
| 18 | Progressive | $1,256 |
| 19 | MetLife | $1,257 |
| 20 | State Auto | $1,273 |
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The Hartford offers some of the cheapest car insurance rates in Chicago at around $746 a year. This is $603 less than the average rate paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Cincinnati Insurance, and Erie also make the cut as some of the more affordable Chicago, IL insurance companies.
In this example, if you currently buy coverage from Cincinnati Insurance and switched to The Hartford, you may realize annual savings of roughly $151. Drivers with Erie could save as much as $159 a year, and Utica National policyholders might reduce rates by $200 a year.
To find the cheapest coverage for you, click here to get a free quote or visit several of the following companies.
Remember that these premiums are averaged across all ages of drivers and types of vehicles and and are not figured with a specific vehicle garaging location for government employees. So the company that has the cheapest price for you may not even be in the top 36 companies in the list above. That affirms the importance of why you need to get rate quotes using your own individual information.
Insuring your vehicle with the highest-rated insurance provider is hard considering how many choices there are in Chicago. The company ratings listed below may help you analyze which providers to look at when shopping insurance around for government employees.
These ratings are for companies that write coverage in many states, so companies that have a smaller presence will not be included in this list. To check prices and find the cheapest rates for government employees, simply click here.
Top 10 Major Auto Insurers in Chicago Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers
Top 10 Major Auto Insurers Overall in Chicago
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Safe drivers Chicago pay cheaper rates
The ideal way to maintain the most affordable auto insurance rates in Illinois for state and federal workers is to be an attentive driver and have a clean driving record. The information below demonstrates how citations and at-fault claims impact insurance costs for different ages of insureds. The data is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
In the previous example, the average cost of auto insurance in Illinois per year with no accidents or violations is $1,156. Get two speeding tickets and the average cost increases to $1,592, an increase of $436 each year. Then include two accidents along with the two speeding tickets and the yearly cost of auto insurance for government employees increases to an average of $3,218. That's an increase of $2,062, or $172 per month, just for not being more responsible behind the wheel!
Don't make the mistake of not shopping around
Illinois auto insurance rates are influenced by many factors that can increase your annual premium. Simply getting older, having a claim, or having an accident can trigger price changes that may make certain companies cheaper than competitors. Not only that, but car insurance companies change their prices as often as every three months in order to offset underwriting gains or losses. Larger than normal claims may cause additional price hikes, while less frequent claims may result in cheaper Chicago car insurance rates.
To help illustrate this point, the bar chart below shows the cheapest car insurance in Chicago, IL for a 30-year-old male driver with a good driving record, no prior claims, and good credit. If we look at prices based on his current situation, The Hartford might quote the most affordable car insurance rates in Chicago at $1,199 each year. This is $150 less than the average rate paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Cincinnati Insurance, and Erie are the remainder of the cheapest Chicago, IL auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a couple of claims, bad credit, and a stop sign violation. Because each company has a proprietary method for determining rates, comparing prices may now present a different set of cheap Chicago auto insurance companies as shown below.
SECURA now has the best auto insurance rate in Chicago with USAA, Travelers, State Farm, and Auto-Owners completing the list. This illustrates why consumers need to take the time to shop around to find the most budget-friendly auto insurance quotes for government employees. Auto insurance prices can be determined by many risk factors and can decrease or increase without notice, so the cheapest option when you last compared rates may now be one of the more expensive options.
Ideas for finding cheaper insurance for government employees
Below you'll find some of the recommended money-saving ideas that can help drivers locate cheaper car insurance.
- On older vehicles, drop full coverage
- Bundle home or renters insurance to earn a discount on car insurance
- Higher credit scores can equal lower rates
- At-fault accidents will increase rates
- Buy a safer vehicle
- Check for cheaper rates once a year
The last tip in the list is very vital, as we pointed out in this piece. Prices charged by car insurance companies can change considerably based on profitability, so you should be ready to change to a new company if a lower price can be found. Many drivers have brand loyalty and that's fine, but it's not a good idea if that stubbornness costs you thousands of dollars over the life of your policy. Take a couple minutes and compare rates and find cheaper insurance for government employees in Chicago.