Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Feb 3, 2022

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Chicago StatisticsDetails
City Population 2,716,450
City Density11,960 people per square mile
Average Cost of Car Insurance$3,813.21
Cheapest Car Insurance ProviderLiberty Mutual
Road ConditionsPoor Share: 28%
Mediocre Share: 35%
Fair Share: 14%
Vehicle Operating Costs: $627
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Chicago, Illinois, is known as the Windy City and is located on the southeast corner of Lake Michigan. It is the most populous city in Illinois and the third-most populous city in the U.S.

So if you live here, you will be driving in heavy traffic and passing multiple pedestrians. Before you can start driving in the Windy City, though, you’ll need to have car insurance.

Finding car insurance can be a difficult task, as it requires a significant amount of time and effort. If you find the process of looking for an insurer daunting, this guide is for you.

We cover everything from car insurance rates and providers to city living to prepare you for Chicago’s roads and culture. Let’s jump right into it.

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Table of Contents

The Cost of Car Insurance in Chicago

Anyone who’s shopped for car insurance knows how expensive rates can become. Whether you’re on a budget or are just trying to lower your high rates, this section is for you.

You might find yourself asking how does my Chicago, IL stack up against other top metro auto insurance rates? We’ve got your answer below.

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To help you find the best rate, this section will cover car insurance providers’ rates and what changes rates. All of our data is from our partnership with Quadrant so that you have the most accurate data possible.

So keep reading to see how much you could save by switching providers.

Male vs. Female vs. Age

Age is a common factor that insurers use to determine rates.

The median age in Chicago is 34.6. This means most drivers will have rates for 35-year-olds.

Take a look at the rates by age below.

Average Annual Rate$9,627.05$3,248.57$2,721.02$2,545.51
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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Illinois does use gender, so check out the average monthly auto insurance rates by age and gender in Chicago, IL.

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Sixty-year-old drivers have the cheapest rates, but 35-year-old drivers have the second-cheapest rates. However, gender also plays a role in how much drivers pay.

  • Male Average Premium: $4,535
  • Female Average Premium: $4,277

In Chicago, male drivers tend to pay more than female drivers. Now that we know this, let’s combine gender and age demographics.

Single 17-year old female$8,808.60
Single 17-year old male$10,445.50
Single 25-year old female$3,098.36
Single 25-year old male$3,398.79
Married 35-year old female$2,708.30
Married 35-year old male$2,733.75
Married 60-year old female$2,494.91
Married 60-year old male$2,596.11
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In every age group, males pay more than female drivers. However, the rate difference between genders does grow smaller as drivers age. While 17-year-old males pay $1,600 more than 17-year-old females, 60-year-old males only pay $460 more than 60-year-old females.

Chicago, IL auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Cheapest ZIP Codes in Chicago

While age and gender are important factors, where you live also has an impact on your rates. Why?

Check out the monthly Chicago, IL auto insurance rates by ZIP Code below:

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Because of factors like crime and natural disasters, if an insurer is covering a car in a neighborhood known for vehicle theft, it is going to charge more for the risk. So let’s take a look at what the cheapest ZIP codes are in Chicago.

Zip CodeAverage Annual Rate
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The cheapest ZIP code costs $1,500 less than the most expensive ZIP code. This isn’t bad. In other cities, the difference in rates between ZIP codes can cost drivers thousands of dollars.

What’s the Best Car Insurance Company in Chicago?

To answer this question, we are going to look even deeper into car insurance rates. Keep reading to see which providers have the best rates for your demographic, commute distance, coverage level, and more.

Which Chicago, IL auto insurance company has the cheapest rates? And how do those rates compare against the average Illinois auto insurance company rates? We’ve got the answers below.

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Let’s jump right in.

Cheapest Car Insurance Rates by Company

Let’s start by seeing which Chicago companies have the cheapest rates for different ages and genders.

GroupSingle 17-year old maleSingle 17-year old femaleSingle 25-year old femaleSingle 25-year old maleMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old male
American Family$12,401.20$8,974.54$3,145.58$4,060.93$3,145.58$3,145.58$2,885.32$2,885.32
Liberty Mutual$6,480.50$5,831.92$1,794.62$1,880.23$1,730.29$1,870.12$1,446.38$1,620.84
State Farm$7,886.52$6,256.93$2,248.18$2,602.06$1,985.18$1,985.18$1,794.69$1,794.69
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It’s important to not just go off of a company’s overall average rate. By looking at what a company charges for your demographic, you can get a more accurate picture of what you’ll be paying. For example, while USAA has the second-cheapest rates, it charges more than State Farm for 17-year-old and 25-year-old females and males.

So while a company may usually have cheaper rates than other companies, it’s prices could hike up for a certain demographic.

Best Car Insurance for Commute Rates

In Illinois, the average driver drives about 12,528 miles a year. Unfortunately, this means the average Illinois driver is charged for long commute distance.

Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.
American Family$5,015.74$5,145.27
Liberty Mutual$2,831.86$2,831.86
State Farm$3,238.09$3,400.27
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Not all insurers have higher rates for a long commute. However, look at the final rate rather than the increased amount. For example, while USAA raises its rates almost $200 for a long commute, it is still the second-cheapest provider for a long commute.

Best Car Insurance for Coverage Level Rates

Since high coverage provides the best protection in an accident, we want to see which providers have the cheapest rates for different coverage levels.

GroupLow CoverageMedium CoverageHigh Coverage
American Family$4,891.45$5,265.52$5,084.55
Liberty Mutual$2,649.53$2,823.75$3,022.31
State Farm$3,123.99$3,323.39$3,510.15
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Your coverage level will play a major role in your Chicago auto insurance rates. Find the cheapest Chicago, IL auto insurance rates by coverage level below:

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Allstate charges the most for high coverage, costing $4,000 more than Liberty Mutual. So make sure to shop around to make sure you can get the best deal possible on high coverage.

Best Car Insurance for Credit History Rates

Credit scores are as important as driving records. Unfortunately, the increased rates for poor or fair credit scores can make improving one’s credit score even harder.

Your credit score will play a major role in your Chicago auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Chicago, IL auto insurance rates by credit score below.

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Let’s see what companies charge.

GroupGood CreditFair CreditPoor Credit
American Family$3,895.47$4,601.42$6,744.63
Liberty Mutual$1,978.61$2,497.44$4,019.53
State Farm$2,248.35$2,892.70$4,816.48
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Once again, Liberty Mutual has the cheapest rate, followed by Travelers. Finding a company with a lower rate for poor credit is vital. Otherwise, you may be paying thousands more than you have to.

Best Car Insurance for Driving Record Rates

Like a credit score, a bad driving record can cost drivers thousands. Let’s take a look.

GroupClean recordWith 1 accidentWith 1 speeding violationWith 1 DUI
American Family$3,751.26$5,256.77$4,251.65$7,062.35
Liberty Mutual$2,348.76$3,360.15$2,676.46$2,942.07
State Farm$3,015.20$3,623.17$3,319.17$3,319.17
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Your driving record will play a major role in your Chicago auto insurance rates. For example, other factors aside, a Chicago, IL DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Chicago, IL auto insurance rates by driving record.

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Insurers differ in what they charge for different offenses. For example, Allstate charges more for an accident than a DUI, while Nationwide charges more for a DUI than an accident.

So look around and see which provider charges the least if you have a poor driving record, as it could save you a significant sum.

Car Insurance Factors in Chicago

Now that we’ve covered how a driver’s history influences rates, we want to look at factors that are beyond a driver’s control. Mainly, we want to see how the economy is in Chicago.

Factors affecting auto insurance rates in Chicago, IL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Chicago, Illinois auto insurance.

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If an economy is poor, insurers will probably raise rates. However, the economy of a city is important to look at to see how likely you are to get a good job.

So let’s jump into everything from growth and prosperity to common job occupations in Chicago.

Metro Report – Growth and Prosperity

Brookings has a metro report on the 100 largest cities that rates the cities on growth and prosperity. Let’s take a look at Chicago’s ranking for prosperity, which is the wealth generated by an economy. Brookings recorded data from 2016 to 2017 and measured if prosperity increased or dropped.

  • Overall Prosperity: 18th of 100
  • Productivity: +2.0 percent (15th of 100)
  • Standard of Living: +3.0 percent (9th of 100)
  • Average Annual Income: +1.0 percent (46th of 100)

Chicago ranked well in prosperity, earning high ratings for both productivity and standard of living. Now let’s see what Chicago earned for growth, which measures jobs in a city.

  • Overall Growth: 65th of 100
  • Jobs: +0.8 percent (72nd of 100)
  • Gross Metropolitan Product (GMP): +2.8 percent (38th of 100)
  • Jobs at Young Firms: +0.9 percent (74th of 100)

While Chicago didn’t rank as well in overall growth, the good news is that there was an increase in every category, such as jobs and GMP.

Median Household Income

Since the average annual wage increased according to Brookings’ report, we want to look at Data USA’s information on Chicago’s average income.

The median household income in Chicago is $55,295 (2017 value).

Unfortunately, this is lower than the U.S. average income ($60,336) and the average income in Illinois ($62,992). The result is that Chicago residents spend a higher percentage of income on car insurance.

You may recall that the average cost of car insurance in Illinois is $3,813, which means 6.9 percent of Chicago resident’s income is spent on car insurance. Want to know how much of your income you are spending on car insurance?

Homeownership in Chicago

Owning your own home can be a great way to lower your car insurance rates. Why?

For one, there are often home and auto policy bundling discounts. So if you have a home and auto policy at the same insurer, that insurer should give you a discount. Another reason owning a home can save you money is because insurers see homeowners as more financially responsible (similar to credit score).

So let’s see how many homeowners there are in Chicago who are earning discounts.

Data USA found that in 2017, 44.9 percent of residents owned their homes.

This was a slight increase from 2016 when there was 43.7 percent homeownership. However, Chicago’s rate of homeownership is still below the U.S. average (63.8 percent) and the Illinois average (66.1 percent).

However, this lower rate of homeownership isn’t surprising when you look at the median value of a home in Chicago.

The average home in Chicago costs $255,900.

This is high. The median cost of a home in the U.S. is $193,500, and the median cost of a home in Illinois is $179,700. The higher costs of homes in Chicago may be why the rate of homeownership is lower.

Education in Chicago

Want to earn a degree? Take a look at Data USA’s information on Chicago schools below.

SectorUniversity2016 Degrees Awarded
Public, 4-year or aboveUniversity of Illinois at Chicago129
Private not-for-profit, 4-year or aboveDePaul University63
Private for-profit, 4-year or aboveDeVry University-Illinois42
Private not-for-profit, 4-year or aboveUniversity of Chicago36
Private not-for-profit, 4-year or aboveLoyola University Chicago7525
Private not-for-profit, 4-year or aboveIllinois Institute of Technology155
Public, 2-yearCity Colleges of Chicago-Olive-Harvey College129
Public, 4-year or aboveNortheastern Illinois University144
Private not-for-profit, 4-year or aboveColumbia College Chicago96
Private not-for-profit, 4-year or aboveRoosevelt University2236
Public, 2-yearCity Colleges of Chicago-Wilbur Wright College27
Private not-for-profit, 4-year or aboveNational Louis University0
Public, 2-yearCity Colleges of Chicago-Richard J Daley College158
Public, 2-yearCity Colleges of Chicago-Harold Washington College53
Public, 2-yearCity Colleges of Chicago-Harry S Truman College949
Public, 2-yearCity Colleges of Chicago-Kennedy-King College151
Public, 2-yearCity Colleges of Chicago-Malcolm X College30
Private not-for-profit, 4-year or aboveRobert Morris University Illinois49
Private not-for-profit, 4-year or aboveSchool of the Art Institute of Chicago33
Private not-for-profit, 4-year or aboveSaint Xavier University294
Public, 4-year or aboveChicago State University41
Private not-for-profit, 4-year or aboveMoody Bible Institute385
Private not-for-profit, 4-year or aboveRush University86
Private not-for-profit, 4-year or aboveNorth Park University153
Private not-for-profit, 4-year or aboveThe Chicago School of Professional Psychology at Chicago97
Private for-profit, 2-yearLe Cordon Bleu College of Culinary Arts-Chicago270
Private not-for-profit, 4-year or aboveThe John Marshall Law School98
Private for-profit, 4-year or aboveKendall College17
Private not-for-profit, 4-year or aboveSaint Augustine College20
Private for-profit, 4-year or aboveThe Illinois Institute of Art-Chicago22
Private for-profit, 2-yearCoyne College1559
Private not-for-profit, 4-year or aboveResurrection University2312
Private not-for-profit, 4-year or aboveAdler University1185
Private for-profit, 4-year or aboveArgosy University-Chicago1190
Private for-profit, less-than 2-yearSoma Institute-The National School of Clinical Massage Therapy5361
Private for-profit, less-than 2-yearIllinois Media School-Chicago Campus1661
Private for-profit, 2-yearMidwestern Career College1308
Private for-profit, less-than 2-yearCortiva Institute-Chicago1433
Private not-for-profit, 4-year or aboveIllinois College of Optometry284
Private for-profit, less-than 2-yearAveda Institute-Chicago2652
Private for-profit, less-than 2-yearPaul Mitchell the School-Chicago64
Private for-profit, 4-year or aboveTribeca Flashpoint College116
Private for-profit, 4-year or aboveHarrington College of Design39
Private for-profit, 2-yearNorthwestern College-Chicago Campus6038
Private not-for-profit, 4-year or aboveEast-West University4883
Private for-profit, less-than 2-yearTricoci University of Beauty Culture-Chicago NW222
Private not-for-profit, 4-year or aboveCatholic Theological Union at Chicago341
Private for-profit, 2-yearSAE Institute of Technology-Chicago86
Private not-for-profit, 4-year or aboveErikson Institute44
Private not-for-profit, 4-year or aboveVanderCook College of Music6428
Private not-for-profit, 4-year or aboveAmerican Academy of Art362
Private for-profit, 4-year or aboveSanford-Brown College-Chicago81
Private for-profit, less-than 2-yearHVAC Technical Institute1139
Private not-for-profit, 4-year or aboveChicago Theological Seminary65
Private for-profit, less-than 2-yearRosel School of Cosmetology1611
Private not-for-profit, 4-year or aboveLutheran School of Theology at Chicago262
Private for-profit, less-than 2-yearCannella School of Hair Design-Chicago (143491)19
Private not-for-profit, 4-year or aboveSpertus College149
Private not-for-profit, 4-year or aboveMcCormick Theological Seminary459
Private for-profit, less-than 2-yearLarry's Barber College772
Private not-for-profit, less-than 2-yearNational Latino Education Institute360
Private for-profit, 4-year or abovePacific College of Oriental Medicine-Chicago861
Private for-profit, less-than 2-yearTricoci University of Beauty Culture-Chicago NE10
Private for-profit, less-than 2-yearCannella School of Hair Design-Chicago5
Private for-profit, less-than 2-yearSteven Papageorge Hair Academy1172
Private for-profit, less-than 2-yearUniversity of Aesthetics-Chicago861
Private not-for-profit, 4-year or aboveShimer College20
Private not-for-profit, 2-yearMacCormac College42
Private not-for-profit, 4-year or aboveMeadville Lombard Theological School51
Private not-for-profit, 4-year or aboveInstitute for Clinical Social Work1740
Private for-profit, 2-yearTaylor Business Institute53
Private not-for-profit, 4-year or aboveBexley Hall Seabury Western Theological Seminary Federation, Inc.89
Private not-for-profit, 4-year or aboveTelshe Yeshiva-Chicago1
Private not-for-profit, 4-year or aboveToyota Technological Institute at Chicago0
Private not-for-profit, 4-year or aboveAmerican Islamic College1120
Private for-profit, less-than 2-yearSOLEX Medical Academy2033
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There are over 70 schools to choose from in Chicago, from four-year universities to community colleges. The largest university in the city is the University of Illinois, as it gave out over 7,500 degrees in 2017.

As for community colleges, residents have multiple options to pick from.

  • Richard J Daley College
  • Harold Washington College
  • Harry S Truman College
  • Kennedy King College
  • Malcolm X College
  • Olive-Harvey College
  • Wilber Wright College

These college campuses are known collectively as the City Colleges of Chicago. Each one focuses on a different area of study. For example, Richard J Daley College focuses on manufacturing and engineering technology, as well as sciences like chemistry and biology.

Some of the courses at these city colleges are also offered online, which makes it easier to get a degree for busy students.

Wage by Race and Ethnicity in Common Jobs

The first aspect of wages we want to look at is Data USA’s information on salaries by race and ethnicity in Illinois. We’ve also included the percentage of income spent on car insurance.

EthnicityMiscellaneous ManagerPercentage of IncomeRegistered NursePercentage of IncomeDriver/sales workers & truck driversPercentage of IncomeElementary & Middle School TeachersPercentage of IncomeCashiersPercentage of Income
Two or More Races$72,2325.28%$69,4975.49%$54,6426.98%$44,1718.63%$33,79611.28%
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Asians are the highest-paid in the job categories of miscellaneous managers and registered nurses. However, in other job categories, two or more races tend to be the highest-paid.

As you can see, the more a race or ethnicity makes, the more the percentage of income going to car insurance drops.

Wage by Gender in Common Jobs

Let’s also take a look at Data USA’s information on the gender wage gap in common jobs in Illinois.

GenderMiscellaneous ManagerPercentage of IncomeRegistered NursePercentage of IncomeElementary & Middle School TeachersPercentage of IncomeDriver/sales workes & truck driversPercentage of IncomeCashiersPercentage of Income
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In every occupation, males earn more than females.

  • Illinois Average Male Employee Salary: $72,886
  • Illinois Average Female Employee Salary: $53,388

Because males earn an average of $19,500 more than females, males only spend 5.2 percent of their income on car insurance. In comparison, females spend an average of 7.1 percent of their income on car insurance.

When you look at these numbers, the gender wage gap becomes glaringly obvious, which means car insurance payments are much more inconvenient for females.

Poverty by Age and Gender

Since the gender wage gap is so prominent in Illinois, we want to look at Data USA’s data on poverty levels in Chicago.

Chicago Percentage of Males and Females Living in Poverty by AgeMaleFemale
>5 years4.73%4.7%
5 years0.929%0.79%
6 - 11 years5.63%5.48%
12 - 14 years2.56%2.57%
15 years0.786%0.875%
16 - 17 years1.55%1.7%
18 - 24 years6.03%8.02%
25 - 34 years5.71%8.9%
35 - 44 years4.37%6.7%
45 - 54 years4.3%5.3%
55 - 64 years4.23%5.09%
65-74 years1.93%3%
75+ years1.28%2.85%
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After age 16, there are more females than males living in poverty. In fact, the largest demographics living in poverty are:

  • Females ages 25 to 34
  • Females ages 18 to 24
  • Females ages 35 to 44

As well, 20.6 percent of those living in poverty in Chicago live below the poverty line. This is worse than the national average of those living below the poverty line (13.4 percent).

Poverty by Race and Ethnicity

We now know that more females than males are living in poverty in Chicago, and now we want to take a look at poverty by race and ethnicity.

Below is Data USA’s data for Chicago.

Race or Ethnicity Number of People Living in Poverty (2017)
Black 259,625
Hispanic 168,182
Other 67,060
Asian 31,267
Two or More 13,506
Native American 1,596
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Blacks have the most people living in poverty, followed by whites and Hispanics.

Employment by Occupations

Data USA found that the following occupations are the most common in Chicago.

  • Office and Administrative Support Occupations (157,795 people)
  • Management Occupations (140,354 people)
  • Sales and Related Occupations (135,431 people)

As well, the employment rate in Chicago grew 0.413 percent from 2016 to 2017. This is only a small growth, but it is encouraging. The last thing you want is a decrease in employment.

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Driving in Chicago

City driving can be stressful due to higher volumes of traffics, dicey road conditions, and more pedestrians and cyclists near the roadway — not to mention the confusing exits and intersections.

If the thought of driving in a city stresses you out, and even if it doesn’t, this section will cover what you need to know about driving in Chicago.

So keep scrolling to learn about Chicago’s roads, vehicles, and traffic conditions.

Roads in Chicago

The last thing you need is to blow a tire on your first day driving around Chicago or miss a vital highway exit. Stick with us to see what highways run through Chicago and what the road conditions are like.

Let’s begin.

Major Highways

In the state of Illinois, there are 24 active routes that contribute 2,203 miles of roadway to the state’s roads. If you want to hop on one of the major highways to quickly get around Illinois, three of them run through Chicago: I-57, I-90, and I-94.


However, easy access to these highways also means that you’ll have to deal with traffic coming through the city. If there’s an accident, high volumes of traffic will be rerouted through your streets.

As well, you’ll have to deal with tolls on major highways.

  • Jane Addams Memorial Tollway on I-90
  • Tri-State Tollway on I-94, I-294, and I-80
  • Reagan Memorial Tollway on I-88
  • Veterans Memorial Tollway on I-355
  • Illinois Route 390 Tollway

As you can see, a few of the major highways that pass through Chicago have tollways. If you end up passing through Illinois’s tolls often, it may be worth it to invest in an I-Pass (which also works in E-ZPass tolls).

It costs around $30 to buy an I-Pass, but users get up to 50 percent off of tolls. This means that in the long run, an I-Pass will save users money.

An I-Pass is also convenient in reducing time spent at tollways and eliminating the need for fumbling for change and paper tickets. So if you go through tolls frequently, an I-Pass may be for you.

Popular Road Trips and Sites

There is plenty to do in the Windy City.

If you aren’t sure where to start your exploration of the city, though, check out the lists below for ideas.

  • 10 Best Downtown Attractions: Museums, theatre districts, historic landmarks, and more are covered on this list.
  • Best Human-Made Attractions: From Union Station to the Chicago River, this list will take you to the prettiest human-made places in the city.
  • Historical Landmarks: If you love history and want to learn more about the city you live in, this list is for you.
  • Nature Attractions: Even within Chicago’s bustling city, you can find quiet nature spots to unwind.

These are just a few ideas to get you started, but they should give you an idea of just how much there is to in the Windy City. As well, if you want to leave the city for a little bit, there are multiple road trips that pass near or through Chicago.

There is plenty to do both within and around the city. If you live in Chicago, you should never be too bored.

Road Conditions

TRIP, an independent research group, found that Chicago’s roads were in the following conditions:

  • Poor Share: 28 percent
  • Mediocre Share: 35 percent
  • Fair Share: 14 percent
  • Good Share: 22 percent

The worse a city’s roads are, the higher a driver’s vehicle operating costs will be.

In Chicago, the vehicle operating cost is $627.

This is an extra $627 drivers have to pay to maintain their vehicles every year.

Chicago needs to work on its road conditions, as 63 percent of Chicago’s roads are in poor condition.

Does Chicago use Speeding or Red-Light Cameras?

Even if you aren’t pulled over by a cop, this doesn’t mean you won’t get a ticket for speeding or running a red-light. Some states use speeding and red-light cameras to capture lawbreaking.

The Insurance Institute for Highway Safety (IIHS) says that the state of Illinois uses both red-light and speeding cameras.

As for Chicago, it has the most red-light cameras out of all U.S. cities. There are about 300 red-light cameras in the city, which means you have a high chance of ending up with a ticket if you go through a red-light.

Add into the mix speed cameras, and drivers run the risk of earning a speeding ticket too. So don’t speed or run red-lights in Chicago, as there is usually a camera watching.

Vehicles in Chicago

Do you know what the car culture in Chicago is? Or what risks you run by owning a car in the city? To learn what to watch out for, keep reading to learn about vehicles and vehicle risks in the Windy City.

Let’s dive right in.

Most Popular Vehicles Owned

According to YourMechanic, it services the following types of vehicles in Chicago.

Car Type Percentage Serviced by YourMechanic in Chicago
American Made51%
Muscle Cars with V8 Engines10.8%
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The majority of vehicle types in Chicago are American-made or muscle cars.

The most unusually popular car in Chicago is the Chevrolet Monte Carlo.

The Chevrolet Monte Carlo is a sturdy car, but it will cost you more in gas per mile. However, insurers only care about the safety rating of a vehicle and how much parts cost when they assign rates.

So if a car is rated highly for safety, the discount may help justify the higher gas prices.

Cars Per Household

Whenever people live in a city, the number of cars owned per household tends to dwindle. This is because there is easy access to public transport.

So let’s see what data Data USA recorded for car ownership in Chicago.

Number of CarsChicago Household Percentage
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The majority of residents in Chicago own just one car.

Households Without a Car

Now that we know how many residents own cars, let’s see how many households don’t have cars and depend on public transit.

2015 Households
Without Vehicles
2016 Households
Without Vehicles
2015 Vehicles
Per Household
2016 Vehicles
Per Household
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The number of households without vehicles went up one percent in 2016. This means that a number of households got rid of their cars, or a number of households without vehicles moved into the city.

Either way, there were more households without vehicles in 2016 than in 2015.

Speed Traps in Chicago

While Chicago has multiple red-light and speeding cameras around the city, the good news is that Chicago isn’t on the list of the 10 worst cities for speed traps in Illinois.

This could be due to the multiple cameras — there isn’t as much of a need for cops to sit behind corners with radar guns. Still, just because Chicago isn’t on the list doesn’t mean there are zero speed traps. There will still be speed traps around the city in addition to speed cameras.

So to avoid a ticket, follow posted speed limits.

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– Vehicle Theft in Chicago

The FBI recorded 10,132 stolen Chicago vehicles in 2017. This makes Chicago the worst city for vehicle theft in Illinois.

To keep your vehicle as safe as possible, consider living in one of Chicago’s safer neighborhoods. Living in a safe area can also help lower your insurance rates, which is a nice bonus.

According to Neighborhood Scout’s collected data, the safest Chicago Neighborhood is N Ozanam Ave / N Avondale Ave.

Not where you wanted to live in the city? Other safe neighborhoods are:

  • W Devon Ave / N Central Ave
  • N Caldwell Ave / N Lehigh Ave
  • W Foster Ave / N Harlem Ave
  • N Lake Shore Dr / W Diversey Ave
  • N Canfield Ave / W Talcott Ave
  • W Howard St / N Oketo Dr
  • Sauganash
  • Irving Park Rd / N Cumberland Rd
  • W North Ave / N Larrabee St

There are other reasons besides vehicle theft that makes a living in one of these neighborhoods a good idea.

Your chance of being the victim of a violent crime in Chicago is one in 98, which is considerably worse than Illinois’s chance of one in 228.

Take a look at the table below to see just how many violent crimes occur in Chicago.

Chicago Violent CrimesMurderRapeRobberyAssault
Report Total6531,76411,89715,452
Rate per 1,0000.240.654.385.69
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In addition to violent crimes, there are property crimes.

Chicago Annual CrimesViolentPropertyTotal
Number of Crimes29,76689,294119,060
Crimes (per 1,000 residents)10.9632.8743.83
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These numbers aren’t looking good. The total number of crimes in Chicago means that the crime rate per 1,000 residents is over 40 percent.

In fact, the overall crime index rating for Chicago is only eight, which means Chicago is safer than only eight percent of all U.S. cities. Based on these statistics, it is smart to splurge on living a safer neighborhood.


Traffic in cities can be a drag. To prepare you for how long you’ll be sitting in traffic and what traffic risks you’ll face, we will cover multiple traffic conditions in Chicago.

Stick with us to learn about traffic congestion, transportation, road risks, and more.

Traffic Congestion in Chicago

Chicago made it onto Inrix’s traffic scorecard of the most congested cities in the world. Let’s take a look at Chicago’s scores.

2018 Impact Rank (2017)Hours Lost in Congestion Year Over Year Change Cost of Congestion (Per Driver)Inner City Travel Time (Minutes)Inner City Last Mile Speed (mph)
23 (24)138 (64)4%$1,920512
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Unfortunately, Chicago residents spend an average of 138 hours sitting in traffic each year, costing them $1,920.

As well, Chicago’s traffic has increased by four percent. This isn’t good news for commuters. Expect to leave earlier than you’re used to in order to arrive at work on time.


Now that we’ve covered Chicago’s traffic levels, let’s see how long it takes Chicago residents to drive through this traffic to get to work.

Data USA found the average commute time in Chicago is 33.1 minutes or an hour and 6.2 minutes a day.

This is a longer than average commute time (the U.S. average commute time is 25.5 minutes). So the traffic in Chicago costs commuters over an hour a day, time that could be better spent doing something other than sitting in traffic.

As well, 3.27 percent of Chicago’s residents have an extremely long commute of 90+ minutes a day or three hours. Hopefully, you aren’t part of this 3.27 percent.

So how are Chicago’s residents traveling for their hour-long commute each day?

  • Drove Alone: 48.6 percent
  • Public Transit: 28.3 percent
  • Carpool: 7.58 percent

Other commute methods include working from home, riding a bike, taking a taxi, walking, or riding a motorcycle. However, the majority of residents drive alone to work or take public transit (which is popular in large cities).

Busiest Highways

The U.S. Department of Transportation’s report found that the following highways were the busiest in Chicago.

  • Highway 53 (12 lanes)
  • Interstate 90 (12 lanes)

The large amount of lanes on both these highways equips them to handle high volumes of traffic. So if you drive on either of these highways, expect to be driving in a lot of traffic.

How safe are Chicago’s Streets and Roads?

Do you know how many crashes have happened on the roads you drive every day? Or do you avoid a certain intersection or blind spot because you’ve seen crashes happen?

The National Highway Traffic Safety Administration (NHTSA) collects data on crashes, how they happen, and who is killed. Let’s first look at how many crashes have occurred overall in Chicago (Cook County).

Cook County All Crashes20142015201620172018
Fatalities 235239268288264
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The number of fatalities has increased over the years in Cook County. We want to understand why, so let’s break down crashes by cause.

Cook County Fatalities by Crash Type 20142015201620172018
Involving an Alcohol-Impaired Driver (BAC = .08+)85668211782
Single Vehicle Crash 149159155162141
Involving Speeding 10388111145134
Involving a Roadway Departure 95918510188
Involving an Intersection (or Intersection-Related)8097115110101
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In 2018, single-vehicle crashes, speeding crashes, and intersection crashes were the leading causes of crashes in Chicago. Despite the speeding cameras in Chicago, the number of speeding crashes hasn’t dramatically decreased.

We now know what causes crashes in Chicago, and now we want to look at what types of people are killed in these crashes.

Cook County Fatalities by Person Type 20142015201620172018
Passenger Car Occupant 937698120110
Pedestrian 6381737775
Pedal cyclist 111411811
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The number of pedestrian deaths in Chicago is high. With so many cars and pedestrians in close proximity, fatalities are bound to happen. However, you can reduce your risk of being hit, or hitting someone, by staying alert to your surroundings and using pedestrian crosswalks.

Now that we know how many fatalities happen in Chicago, let’s see what the most dangerous road types are in Illinois.

Road Type Fatal Crashes
Freeway and Expressway10
Minor Arterial257
Collector Arterial217
Total Fatal Crashes1,005
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The NHTSA found that most fatal crashes occur on arterial, minor arterial, and collector arterial roads.

An arterial road is a high traffic road, such as highways and interstates. This means a minor arterial road is high traffic, but not as busy as a highway. As for collector arterial roads, these roads take local traffic to arterial and minor arterial roads.

Arterial roads, with their high amounts of traffic, are risky to drive on. We want to dig deeper into arterial road risks by looking at the US Department of Transportation’s data on highway and railroad crashes.

Highway User SpeedCalendar YearCountyHighwayHighway User TypeRail Equipment TypeNon Suicide Fatality Non Suicide Fatality
102012COOK111TH STREETAutomobileCommuter01
2012COOK95TH STREETPedestrianCommuter10
102012COOK83RD STREETAutomobileD01
152012COOK103RD STAutomobileFreight Train01
102012COOKLAFLIN STREETAutomobileC00
102012COOKPRIVATETruck-trailerCut of Cars01
22012COOKPRIVATE YARDTruck-trailerFreight Train01
52012COOK115TH STAutomobileC12
202012COOK55TH AND KENTONAutomobileFreight Train00
152012COOK115TH STAutomobileCommuter01
102012COOKCORNELL AVEAutomobileD01
02013COOKPRIVATETruck-trailerFreight Train00
152013COOKFAU1592/E 130TH STAutomobileFreight Train00
402013COOKCARONDLETAutomobileFreight Train00
162013COOK5345 S. LONG AVE.AutomobileFreight Train01
122013COOKPRIVATETruck-trailerFreight Train00
02013COOKSOUTHWEST HWYAutomobileFreight Train00
02013COOKEGGLESTON AVE.AutomobileD00
02013COOKPRIVATETruck-trailerFreight Train00
2013COOKSTATE STREETPedestrianLight Loco(s)10
2013COOK74TH STREETPedestrianD00
102013COOKMONTEREY AVEAutomobileCommuter01
102013COOK95TH STREETAutomobilePsgr Train00
02013COOKPRIVATEVanLight Loco(s)00
102013COOK119TH STREETAutomobileC01
52013COOKPRIVATE RDTruck-trailerLight Loco(s)00
02013COOK95TH STREETTruck-trailerC00
52013COOK105TH STREETAutomobileSpecial MOW Eq00
52013COOKCHAPPEL AVEAutomobileC00
02013COOKFAU1592/E 130TH STAutomobileFreight Train00
02013COOKRACINE AVEAutomobileFreight Train00
52014COOKMONTEREY AVENUEAutomobileCommuter00
02014COOKPRIVATETruck-trailerLight Loco(s)00
02014COOKSAYRE AVETruck-trailerC00
02014COOK99TH STPick-up truckFreight Train01
02014COOKRACINE AVEAutomobileLight Loco(s)00
02014COOK97TH STREETAutomobileFreight Train02
2014COOKBRYN MAWR AVENUEPedestrianCommuter10
02014COOKKILBOURN AVENUEAutomobileCommuter00
102014COOK95TH STREETAutomobileLight Loco(s)00
02014COOKPRIVATETruck-trailerFreight Train00
02014COOKW 104TH STAutomobileFreight Train00
12014COOKPRIVATETruck-trailerLight Loco(s)00
02014COOKPRIVATETruck-trailerFreight Train00
02014COOKPRIVATETruck-trailerFreight Train00
102014COOKKILBOURNE AVETruck-trailerCommuter00
02014COOKPRIVATETruck-trailerLight Loco(s)00
152015COOK115TH STREETAutomobileCommuter00
02015COOKPRIVATETruck-trailerLight Loco(s)00
02015COOKPRIVATETruck-trailerLight Loco(s)00
2015COOKHARLEM AVEPedestrianCommuter01
102015COOKCLYDE AVENUEAutomobileD00
302015COOKKILBOURNE AVENUEAutomobileLight Loco(s)01
02015COOK72ND STREETAutomobileD02
52015COOKCITY ST/STONEY ISLANTruck-trailerFreight Train00
2015COOKFAU2867/RACINE AVEPedestrianFreight Train01
02015COOKNARRAGANSETT AVENUEAutomobileCommuter00
02015COOK115TH STREETAutomobileCommuter01
52015COOK87TH PULASKIAutomobileCommuter24
02016COOK95TH STREETAutomobileCommuter00
02016COOK87TH AND PULASKIAutomobileC00
02016COOKWENTWORTH AVENUEAutomobileFreight Train00
202016COOK119TH STAutomobilePsgr Train11
02016COOK102ND STAutomobileCommuter00
152016COOK59TH STAutomobileFreight Train01
02016COOK; CALDWELL AVEAutomobileB00
12016COOKRACINE AVE.AutomobileCut of Cars00
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Check the table above to see if any of the roads you drive on are on the list (a number of crashes occurred on Private in Cook County).

Allstate America’s Best Drivers Report

Through its driving app, Allstate records drivers’ habits and creates a report on the best drivers in the 200 largest U.S. cities. Because of its size, Chicago is included in this report. Let’s take a look at its 2019 ranking.

2019 Best
Drivers Report
Average Years
Between Claims
Relative Claim
(Compared to
Events Per
1,000 Miles
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Chicago’s 2019 ranking was a drop from 2018 when it ranked 129 out of 200. However, there is still an average of eight years passing between claims.

While the number of hard braking events is somewhat high, there is more traffic in the city. This means that drivers may be braking hard because of other drivers’ mistakes, not because they are inattentive.


Want to skip the bus? According to RideGuru, the following rideshare services are offered in the city.

  • Lyft: This will be one of your cheaper options, as it is in competition with Uber’s prices.
  • Uber: This rideshare service is priced similarly to Lyft.
  • Carmel: More expensive than Lyft and Uber.
  • Arro: Traditional taxi cab service.
  • Taxi: Similiar in price to Arro.
  • Curb: Taxi service that costs more than Arro or a traditional taxi.
  • Zum: Prices aren’t listed, as this is a rideshare service for children, and customers need to get a quote.

While Lyft and Uber are the cheapest options on the list, it will cost significantly more if customers upgrade to luxury rides. So if you pick Uber Black or Lyft Lux, it will cost much more than a taxi.

EStar Repair Shops

If you aren’t taking public transit or rideshare service, there’s always the chance that someone might bump into your car (or perhaps you hit a nasty pothole).

Whatever the case, if you need a repair shop, Esurance has a great program called EStar. This repair shop program lists out reputable shops in your area, making it easy to find a shop fast.

Let’s take a look at some of the top repair shops in Chicago.

email: [email protected]
P: (773) 227-8300
F: (773) 227-8544
email: [email protected]
P: (773) 463-1622
F: (773) 463-0920
P: (312) 637-6740
1005 W HURON
email: [email protected]
P: (312) 337-3903
F: (312) 337-7486
email: [email protected]
P: (773) 725-7200
F: (773) 725-4829
2440 S. KEDZIE
P: (773) 762-5571
email: [email protected]
P: (773) 775-6767
F: (773) 775-5901
email: [email protected]
P: (847) 676-0420
email: [email protected]
P: (847) 965-2205
email: [email protected]
P: (708) 485-7600
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There are plenty of shops to choose from in Chicago. Make sure to have a repair shop picked out before you need repairs, so you aren’t frantically researching reviews when your bumper is falling off.


In a city nicknamed the Windy City, you can expect some brisk days. Below are the temperatures you can expect in the city, from US Climate Data’s information on Chicago’s weather.

  • Annual high temperature: 56.8°F
  • Annual low temperature: 42.5°F
  • Average temperature: 49.65°F
  • Average sunshine: 2,611 hours 
  • Average annual precipitation (rainfall): 33.2 inches 
  • Days per year with rainfall: 120 days 

Due to its cooler temperatures, Chicago also experiences heavy snowfall each year.

As a result, there have been a number of natural disasters in Cook County that are winter-related.

Cook County has had 19 natural disasters, including floods, storms, tornadoes, snowstorms, blizzards, winter storms, snow, hurricanes, and wind.

Chicago has a higher number than the U.S. average of natural disasters (13). It is prudent to consider comprehensive coverage on a car when living in such a windy and snowy city.

Comprehensive coverage will cover drivers from collisions other than with another vehicle, such as animal collisions. It also protects from damages from natural disasters, theft, and vandalism.

Public Transit

The windy city is served by the Chicago Transit Authority (CTA), which provides both buses and trains. You can pay fares with cash, Ventra tickets, Ventra Cards, or mobile pay apps.

There are multiple different passes you can get, from one-day passes ($10) to 30-day passes ($105). To get an idea of the basic rates, though, take a look at the cost of fares for one ride.

Base Fares Full ReducedStudent
'L' Train Fare$2.50$1.25$.75
Bus Fare$2.25$1.10$0.75
Transfer (up to two additional rides within two hours)$0.25$0.15$0.15
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The CTA offers reduced prices for children ages 7-11 (under seven ride free) and students. There are also free ride programs for military, seniors, and people with disabilities.

Alternate Transportation

Chicago also has electric scooters and bikes to rent. One popular option is the public rent-a-bike and rent-a-scooter company Lime.

Simply download the Lime app on your smartphone to unlock a bike or scooter near you. However, Lime is pay-by-the-minute, so your ride can add up if you use it for a while.

Another alternate transportation method is Bird, a rent-a-scooter company. Like Lime, you download the mobile app to unlock your ride and pay per minute.

Parking in Metro Areas

Are you worried about finding a street parking spot? Chicago’s ParkChicago has a mobile app that lets you see how likely it is for you to find a spot. The app also allows you to pay from your smartphone, instead of walking to find a parking kiosk.

All you have to do is enter your license plate number and pay, which means you don’t have to print a receipt and place it on your dashboard. The basic rates vary from area to area, from $2 to $6.50. However, you can purchase a monthly parking pass to park on the street if you are a local resident.

Parking hours also vary (if you aren’t a resident).

  • Chicago neighborhoods (outside downtown area): 8:00 a.m. to 10:00 p.m.
  • Central Business District (outside Chicago loop): 8:00 a.m. to midnight
  • Chicago loop: 8:00 a.m. to 9:00 p.m. (also available from 9:00 p.m. to 8:00 a.m. with reduced rates)

If you are having trouble finding street parking even with the app, you may want to pick a parking garage instead. Tools like parking maps can help you find the best garage and rate near your destination.

As well, if you need somewhere to leave your car, there is also satellite parking available at airports, hotels, and schools.

Finally, if you need somewhere to charge your electric vehicle when you park, Chicago Area Clean Cities has a great search tool that lets you look for electric charging stations in your area.

Air Quality in Chicago

The air quality in cities can be dicey. Due to more vehicles on the streets, there are higher levels of pollution. This degradation in air quality can be harmful to people’s health, which is why cities are not the best places for people with health issues.

To see how clean the air is in Chicago, we are going to look at the Environmental Protection Agency’s (EPA) data on Chicago’s air quality.

Chicago-Naperville-Elgin Area201620172018
Good Days151157117
Moderate Days187183222
Days Unhealthy for Sensitive Groups232320
Days Unhealthy426
Days Very Unhealthy100
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The number of good days in Chicago has decreased, which isn’t good. However, the good news is that there was only one very unhealthy day in three years.

Still, Chicago needs to work on cleaning up its air.

Military and Veterans

Are you a military member or a veteran? If so, you are eligible for a discount at certain providers. However, it can be hard to know if switching providers is worth the discount amount.

It’s also hard to know which providers actually have military discounts. To help you find an insurer that offers discounts, we are going to go through military discounts in Illinois.

As well, we are going to cover what the military culture is in Chicago, from veterans to nearby military bases. Let’s begin.

Veterans by Service Period

Data USA collected data on veteran’s service periods in 2017. Let’s take a look.

  • Vietnam: 24,123 veterans
  • Gulf War (2001): 12,295 veterans
  • Gulf War (1990s): 7,920 veterans
  • Korea: 3,988 veterans
  • World War II: 1,891 veterans

The most common service period in Chicago is Vietnam veterans, while WWII veterans are the least common service period.

Military Bases Within an Hour

There is just one base within an hour of Chicago: the Naval Station Great Lakes Base. This base is the largest Navy training center, making it a vital part of the U.S. navy.

“Since World War I through today, it has trained and sent to the Fleet more than two million new Sailors through the Recruit Training Command, and nearly an equal number from its technical schools.”

The base has been around for almost a century, and as the largest Navy training base, this is a great place to work if you want to join the Navy.

Military Discounts by Providers

So which providers offer military discounts? Check the list below to see which Illinois providers honor service members, and what percentage is saved.

  • Allstate
  • Farmers
  • Geico: 15 percent
  • Liberty Mutual: 4 percent
  • MetLife: 15 percent
  • Safeco
  • USAA*

*USAA also offers a military garaging discount.

Discount savings vary from provider to provider. If an insurer does offer a discount, make sure that you check how much you will save off your overall rate.


As a provider for just military members and their families, USAA tries to keep its rates low. Let’s see how much USAA costs in Illinois, and how much major competitors charge.

Company Average Annual PremiumCompared to State Average (+/-)Compared to State Average (%)
Allstate $5,204.41$1,898.9357.45%
American Family $3,815.31$509.8215.42%
Progressive $3,536.65$231.176.99%
Geico $2,779.16-$526.33-15.92%
State Farm $2,344.88-$960.60-29.06%
Liberty Mutual $2,277.65-$1,027.83-31.09%
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USAA is actually not the cheapest company in Illinois. However, its rates are still cheaper than the state average, which is good. Make sure to get quotes from the cheapest companies to see which have the best rates for your demographic and driving record.

Unique Chicago City Laws

Are you familiar with all of Chicago’s local laws? If you aren’t, you could wind up with a pricy ticket. To help you avoid even more expenses on your monthly car insurance budget, we are going to cover unique laws in this section.

From cellphone use laws to parking laws, it is all covered here. Keep reading to see what to avoid doing in Chicago.

Hands-Free Laws

Let’s take a look at the Insurance Institute for Highway Safety’s (IIHS) details on cellphone laws in Illinois.

  • Hand-held ban: applies to all drivers
  • Young drivers all cellphone ban: applies to drivers and learner’s permit holders younger than 19
  • Texting ban: applies to all drivers

Enforcement of these bans is primary. This means that officers can pull over and ticket any driver they see breaking these bans.

Why are these so bans so important?

They help limit distracted driving. All it takes is a few seconds checking a text for a driver to lose control of a vehicle and crash. So put the phone down when driving.

In fact, some insurers have apps that offer discounts for safe driving. So if you leave your phone off in the car, you’ll earn a discount on car insurance.

Food Trucks

Want to operate a food truck in Chicago?

The City of Chicago has important food truck laws to make sure food trucks are safe for both the owner and the customers. To get a food truck license, owners must complete the following steps:

  1. Submit a license application to the Business Affairs and Consumer Protection (BACP)
  2. Complete a health consultation and get a fire safety permit
  3. On-site health inspection (and fire inspection if needed)
  4. License is issued

To keep a mobile food truck license, owners must continue to pass regular health and safety inspections. There are also some strict laws to follow once food truck owners hit the streets.

While these laws have been contested, they still stand. Food truck owners must:

  • Not sell food within 200 feet of “a brick-and-mortar food establishment”
  • Install a GPS in the food truck to track the location

As you can expect, Chicago food truck owners are not too happy with these restrictions. Basically, the law allows non-mobile restaurants to defeat the competition of mobile food trucks easily.

Hopefully, these regulations will ease in the future with continued protests, so that owning a food truck in Chicago is a more lucrative business.

Tiny Home

If you want a tiny house in Chicago, unfortunately, Chicago doesn’t allow tiny homes. Zoning regulations and other practicalities make it nearly impossible to build and live in a tiny home in the city.

This is typical in most major cities. If you move out of the city, it is easy to own and live in a tiny home legally.

Parking Laws

Have you ever had someone on the other side of the road swerve in front of you to grab a parking spot on your side of the street? Doing this is known as wrong direction parking, and it is illegal.

On all streets, the passenger side of a vehicle must be curbside when parallel parking. If it isn’t curbside, a passing officer will ticket the driver.

If you want to avoid a ticket but need a parking spot, consider reserving a parking spot at a local garage.

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Chicago Car Insurance FAQs

We’ve covered a lot, but you probably still have questions. If so, this section is for you.

Keep reading to see what others are asking about Chicago car insurance and city life. Let’s jump in.

What Happens if I’m in a Car Accident in Chicago?

If you caused the accident, you would be liable for the other driver’s accident costs (Illinois is an at-fault state). This is why it’s important to have good insurance on your car if you live in Illinois. Otherwise, you may be forced to cover some of the bills out of pocket.

Is Chicago Safe?

Whenever you live in a city, there will be more crime and vehicle theft. Chicago has a crime index rating of four. What does this mean? It means Chicago is only safer than eight percent of U.S. cities.

Where is Chicago City?

Wondering what you’re near if you live in Chicago? The windy city is within driving distance of a number of small towns, such as Oak Park, Illinois or Elmwood Park, Illinois.

What School District is in Chicago?

There are hundreds of schools in Chicago, run by the Chicago Public School Schools.

What Library District Serves Chicago?

Need a steady supply of books? The Chicago Public Library has dozens of locations across the city, making it easy to pick up and drop off books. Ready for your move to Chicago? We hope we answered all your questions about living and driving in the Windy City.

If you’re ready to start comparing rates, enter your zip code in our free online tool below.


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  39. https://www.ucsusa.org/clean-vehicles/vehicles-air-pollution-and-human-health/cars-trucks-air-pollution
  40. https://www.military.com/base-guide/browse-by-location
  41. https://www.military.com/base-guide/naval-station-great-lakes
  42. https://www.iihs.org/topics/distracted-driving/cellphone-use-laws
  43. https://www.chicago.gov/city/en.html
  44. https://www.chicago.gov/city/en/depts/bacp/supp_info/mobile_food_vendorlicenses.html
  45. https://www.illinoispolicy.org/illinois-supreme-court-upholds-controversial-chicago-food-truck-restrictions/
  46. https://www.tinysociety.co/articles/tiny-house-laws-united-states/
  47. https://www.nolo.com/legal-encyclopedia/illinois-car-insurance-requirements.html
  48. https://cps.edu/Pages/home.aspx
  49. https://chipublib.bibliocommons.com/locations