Cheapest Auto Insurance in Cicero, Illinois (2025)
Progressive offers the cheapest car insurance in Cicero, with minimum-coverage policies as low as $59 per month.
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The overall average cost of car insurance in Cicero, Illinois, is $144 per month. This is similar to the monthly state average of $117 but less than the national average of $144 a month.
Cicero is a suburb of Chicago and one of the largest municipalities in Illinois. However, despite its proximity to the Windy City, Cicero reported just 198 vehicle thefts in 2021, according to the most recent data available through the FBI’s Crime Data Explorer. By comparison, Champaign, which has a smaller population than Cicero, reported 243 motor vehicle thefts.
Generally, you can expect to find cheaper car insurance rates in locations with lower rates of crime, vehicle theft, and vandalism. And you’ll pay more for auto insurance if you live in a city with higher vehicle crime rates. So Cicero’s fewer thefts could contribute to the city’s low average insurance rates. Here’s how to find the best coverage in Cicero.
Cheapest car insurance companies in Cicero
The best auto insurance company for you will depend on your individual situation and needs. But it can be helpful to learn about the cheapest insurers in your area. The following table outlines the cheapest insurance companies in Cicero and the type of driver each company is best for.
Best insurer for specialty vehicles: Auto-Owners
Best insurer for good drivers: State Farm
Best insurer for low-mileage drivers: Hugo
How to get the cheapest car insurance in Cicero
Auto insurance rates have increased by 17% nationwide between the end of 2021 and June 2023, according to Insurify data. However, you can still find cheap car insurance by using the following strategies:
Choose a higher deductible. Your deductible is an out-of-pocket expense you pay before your insurance coverage kicks in. Increasing your deductible from $500 to $1,000 will lower your insurance premiums substantially. Just make sure you have the money to cover your deductible if you need to file a claim.
Bundle your policies. Most insurance companies will give you a discount for bundling multiple policies. For example, you could save by bundling your auto insurance with your homeowners insurance or renters insurance.
Maintain a good credit score. Research shows that drivers with good credit file fewer insurance claims. So maintaining a good credit score is another way you can lower your insurance costs. Make sure you pay your bills on time and keep your credit utilization ratio below 30%.
Shop around. Every insurer looks at slightly different criteria when evaluating you for coverage. The best policy for one driver may not be a good option for someone else. That’s why it’s important to shop around and compare auto insurance quotes from at least three different companies.
Cheapest liability-only car insurance in Cicero: Progressive
Liability-only car insurance pays for damages to the other driver’s vehicle and any medical expenses they incur in an accident you cause. However, you’ll have to pay for your own medical bills and to fix your vehicle.
Liability insurance is the minimum amount of coverage you need to drive legally in Illinois. In Cicero, it costs an average of $95 per month. But, Progressive offers the cheapest liability coverage in Cicero for $59 per month.
Here are the cheapest liability-only policies for Cicero drivers.
Cheapest full-coverage car insurance in Cicero: Auto-Owners
Full-coverage insurance includes liability, comprehensive, and collision coverage. Unlike liability insurance, full coverage pays for damages to your vehicle, even if you’re at fault for the accident. A full-coverage policy will also pay to repair or replace in the event of theft, falling objects, vandalism, and more.
In Cicero, the average cost of a full-coverage policy is $193 a month. Drivers can find the cheapest full-coverage insurance from Auto-Owners with rates starting at $84 per month for coverage.
Here are the cheapest options for full-coverage insurance in Cicero.
Car insurance requirements in Illinois
The state of Illinois law requires that all drivers carry the following minimum insurance:1
Minimum insurance coverage won’t be enough for most people, so here are some other coverages to consider adding to your policy:
Cheapest car insurance for drivers with an incident
If you have a history of driving-related incidents, you can expect to pay more for auto insurance. A driving incident includes at-fault accidents, driving under the influence (DUI), speeding tickets, and other moving violations.
However, some insurance companies work with high-risk drivers. So it’s possible to find affordable auto insurance rates, even if you have a history of driving incidents.
Cheapest car insurance for drivers with a speeding ticket: Progressive
Speeding was a factor in 29% of traffic fatalities in 2021.2 Even if you don’t cause an accident, a speeding ticket signals to insurers that you’re a risky driver and more likely to file a claim, so they increase your rates to offset the risk.
In Cicero, drivers with speeding tickets pay an average of $173 a month for car insurance. Progressive offers the cheapest liability rates for $71 per month.
If you’ve received a speeding ticket, here are the cheapest auto insurers in the city.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
When you file a claim with your insurance company for an at-fault accident, your insurance premiums will increase by a certain percentage. However, the exact percentage will vary depending on your insurer and the severity of the accident.3
After an at-fault accident, the average car insurance rate in Cicero is $190 per month. But, drivers with an at-fault accident can still find cheap rates from Auto-Owners for $76 per month.
Here are the best car insurance options for drivers with an at-fault accident.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence impairs your vision and judgment, and it’s illegal in Illinois. In 2021, 25% of crash fatalities involved alcohol.4 The exact penalties for a DUI will depend on your age, your blood alcohol concentration (BAC) level, and other circumstances surrounding your arrest.
If you receive a DUI, your insurer may decide not to renew your policy. But if it does renew your policy, you can expect your premiums to become more expensive. The average car insurance cost after a DUI in Cicero is $232 a month, but Auto-Owners offers the cheapest rate of $59 per month for drivers with a DUI.
Here are the cheapest insurers in the city for drivers with a DUI.
Cheapest car insurance for seniors: Auto-Owners
Car insurance rates decrease around age 25 but start to increase again around age 70. Age-related issues, like changes to eyesight and hearing, affect seniors’ driving capabilities, and they have higher crash mortality rates than younger drivers. But seniors still have relatively affordable rates, especially compared to teens.
Senior drivers in Cicero pay an average of $121 a month for car insurance, but here are the cheapest insurers to start your search.
Cheapest car insurance for teens: Auto-Owners
Teenage drivers pay more for car insurance because they have less experience behind the wheel. They’re also at higher risk of being involved in a fatal car accident. But teens can reduce their insurance costs in a few ways.
Many insurers offer discounts to young drivers who enroll in an approved defensive driving course and maintain good grades. On average, teens in Cicero pay $305 a month for car insurance. Here are the cheapest insurance companies for teens and younger drivers in the city.
Cicero car insurance quotes by credit tier
Illinois is one of many states that allows auto insurance companies to consider your credit history.6 Drivers with bad credit have been shown to file more insurance claims than drivers with excellent or good credit scores. Here’s what you can expect to pay for insurance based on your credit tier.
Is car insurance more expensive in Cicero?
Car insurance in Cicero costs an average of $144 a month, which is similar to the state average of $117.
Insurance rates can vary quite a bit depending on your ZIP code. If you live in a more populous city with higher crime rates, you can expect to pay more for car insurance than someone living in a rural area. Despite Cicero’s safety rating and low crime rates, its proximity to Chicago — which has notoriously expensive car insurance rates — can contribute to the city having near-average costs.
More cities in Illinois
If you live in Cicero, you can expect to pay more for car insurance than most other Illinois cities. Chicago is the only city with a higher average cost for auto insurance than Cicero. Here’s how Cicero compares to other Illinois cities.