Best Car Insurance Companies in Chicago

Car insurance is a must in most states in the U.S. Car Insurance helps you cover the cost of damages or loss of your car. With car Insurance, expenses such as medical payment or payment for damages to the vehicle or property of the other party in the case of an accident are adequately covered.

Knowing the best insurance company that can adequately indemnify you in any case of loss or accident is essential. We’ve provided you with a list of the best car insurance companies in Chicago to ease your search.

We Analyzed 1229 Car Insurance Companies in Chicago, Illinois, and Picked the Top 10

AMA Insurance Agency

AMA Insurance Agency is a subsidiary of the American Medical Association and has been in existence since 1988.

If you’re a Physician, then this is undoubtedly the best car insurance company for you. AMA leverages the influence of more than a million members to negotiate highly competitive rates and customize Insurance and financial products from top-rated companies.

It’s a brokerage firm that provides very affordable Insurance plans for physicians. AMA provides insurance benefits and rates that physicians cannot find anywhere else.

Been in business for more than thirty years, car owners can trust them to cover their car insurance adequately. The company boasts of an A+ rating with the Better Business Bureau.

American Auto Insurance 

American Auto Insurance is a leading auto insurance agency with its headquarters in Chicago. The company provides low-cost auto insurance and SR-22 to its customers in the state of Illinois. 

American Auto Insurance has offered excellent service to its customers for over 30 years and has an A+ rating in Better Business Bureau.

They provide the best insurance options for high-risk drivers, drivers with international licenses, and suspended licenses.

American Auto Insurance provides coverage at low-cost rates, and one can start with as low as $14 per month.

Clover Insurance Agency, Inc.

The Clover Insurance Agency has been in the business of providing insurance policies to drivers and car owners in Chicago for over 40 years. They are the best insurance firm to cover the liability of new drivers, elderly drivers, and teen drivers. 

Clover Insurance Agency provides mandatory liability policies that ensure that their customers drive in peace. The coverage covers both the car owner and the vehicle, covering them from legal and financial risks. They also provide safe driver discounts, a strategy used to encourage their customers to drive safely.

They have very comprehensive plans and policies with low total coverage rates to meet their customer’s needs. Schedule a meeting with one of their agents today or call to get a free quote. 


Einsurance provides the best platform for comparing quotes offered by different insurance agencies. This is the best company that provides detailed comparison to an insurance quote and plan shopping, 

Unlike other companies and agencies mentioned here, Einsurance is a unique company that compares insurance quotes, plans, and policies to enable individuals and businesses to make a better decisions. 

If you’re searching for the best insurance quote for your new car, Einsurance will ease your search.  They offer insurance shoppers updates on coverage options and policy terms.


Geico is an insurance firm operating for more than 85 years. Geico is ranked as the best car insurance company for veterans and military personnel not deployed and provides a 15% discount for current and former military members.  

Geico offers very affordable premium rates. New customers report having had an average annual savings of over $500. The company boasts an overall A+ rating from the Best Business Bureau and an A+++ financial strength rating from AM Best. 

The company also scores 4/5 in the J.D. Power ratings for customer service and affordability. Their insurance options include R.V. insurance, Boat/P.W. Insurance, ATV insurance, Motorcycle insurance, etc. They partner with various insurance carriers and cover both single and multi-vehicle policies. 

Kemper Auto 

Founded in 1990, Kemper is an insurance firm with its headquarters in Chicago. 

The company ranks number 13 as the biggest insurance company in the U.S. and is best known for providing car insurance for high-risk drivers. They also offer SR-22 for car owners.

Their staff team is always ready to provide personalized auto insurance coverage for car owners who have experienced difficulties obtaining and maintaining one in the past. 

Kemper offers 24/7 roadside assistance and has an app to submit photos for a claim and quickly follow up claims. According to, Kemper currently provides service to about 6.3 million happy customers. 

Select Insurance Group 

Select Insurance Group is an insurance firm established in 2002. They provide auto insurance services to high-risk drivers in the city of Chicago.  They also cover for drivers with a suspended or expired license.

It is difficult for drivers with records of DUI (driving under the influence) or reckless driving charges to get insurance coverage. However, car owners in this category can quickly get insurance coverage from Select Insurance Group. 

State Farm

State Farm provides comprehensive Insurance for car owners. They have their offices spread across 33 states in the U.S. and boasts a network of about 80,000 agents. State Farm team is committed to providing customers with a personalized experience. 

It is one of the cheapest insurers in the city, with an annual rate of $716 per annum. They also have a very low complaint level and have a 4.5 rating in the ForbesAdvsior.

Their mobile app also boosts their reputation for efficiency as it enables customers to pay their insurance premiums with ease. 

The firm provides comprehensive coverage for liability insurance and collision. They Also cover insured and underinsured motorists and offer personal injury protection. 

The Horton Group

The Horton Group was founded in 1971 and provides automobile insurance services for different car owners and businesses in the Chicago area. The company received the 2021 President’s Club award and bagged the 2021 Circle of Excellency Agency Award by Western National Insurance Group.

The company is ranked among the top largest insurance brokerage by Insurance Journal. It boasts of about 400 employees and $75million in annual revenue. They have options and plans that can serve any clients, whether they have a small-scale business or operate an entire fleet of cars. 

They help companies make easy risk assessments and also help them know their automobile liability loss, equipment damage, and workers’ compensation claims. They cover risk transfer, commercial property, and professional liability.

United Auto Insurance 

This insurance company has been in existence for more than fifty years. They provide both commercial and personal car insurance to residents of Chicago.

United Auto Insurance has accreditation from Better Business Bureau with an A+ rating.

They are the best insurance companies for electricians, plumbers, and roofers and offer insurance coverage for their cars and vehicles. They provide commercial insurance coverage for tow trucks, taxis, couriers, delivery companies, limousines, etc.

They provide fantastic discount offers for safe drivers, account renewals, and multicar accounts.

Syed Farhan Raza

Farhan is the managing director at Vverge. He also runs a boutique SEO agency helping local businesses drive organic traffic that converts. He spoke at 20+ conferences including Google Business Group and contributed to many top publications like Yahoo. When he is not working 12 hours a day and 6 days a week helping companies grow, you can find him bouncing ideas with fellow entrepreneurs in a local cafe or over a phone call.

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