AARP Car Insurance in Chicago

Get Car Insurance in Chicago From The Hartford

Chicago is the third largest city in the United States with a population of nearly 3 million people. With thousands of restaurants, hundreds of theatres and many major league sports teams, you can always find something to do in the Windy City.

As you drive around, you can enjoy peace of mind knowing you’re covered with car insurance from The Hartford. Specifically, AARP^® Auto Insurance from The Hartford¹ has been protecting AARP members for over 40 years, with exclusive benefits and customizable coverage options to meet your unique needs. We’ve earned a reputation for trust and integrity, and are proud to offer the only auto insurance endorsed by AARP.

Types of Car Insurance Coverage in Chicago

At The Hartford, AARP car insurance in Chicago includes car insurance coverages include:

Liability Coverage

There are two types of liability coverages:

Bodily injury liability coverage to protect you from financial loss if you hurt someone in an accident.
Property damage liability coverage, which pays for damage that your car causes to property you don’t own.

Uninsured/Underinsured Motorist Coverage

Uninsured motorist coverage and underinsured motorist coverage help cover damages if you are hit by a driver who doesn’t have any or enough car insurance to cover the costs of damages and injuries. This insurance is split into three coverages:

Uninsured/underinsured motorist bodily injury coverage to help with bodily injury costs for you and your passengers.
Uninsured motorist property damage coverage to help pay for damage to your car.

Comprehensive Coverage

Comprehensive insurance pays to repair damage to your car from things like:

Natural disasters
Theft
Vandalism
Collision with an animal

Collision Coverage

Collision insurance helps cover the cost to repair or replace your car if you hit another vehicle or object, like a fence.

Medical Payments Coverage

Medical payments coverage is an optional coverage that provides financial assistance for medical expenses and rehabilitation after an accident.²

Personal Injury Protection

Personal injury protection (PIP) insurance, also known as no-fault insurance, helps pay for losses related to injuries from a car accident, no matter who was at fault. In addition to medical bills, PIP also helps cover funeral costs or lost wages.

Need more coverage guidance? The Hartford's car insurance calculator explains how much is required in your state and suggests additional protection you may want to include based on your insurance goals.

Does Chicago Require Car Insurance?

Auto insurance requirements differ from state to state. The minimum liability coverages for car insurance in the state of Illinois are:

Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $20,000 per accident
Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Underinsured/Uninsured motorist coverage: $25,000 per person and $50,000 per accident

Although these are the minimum requirements for Chicago drivers, keep in mind that the lowest price isn’t always the best option for car insurance. While everyone has different needs, you may not have enough coverage to avoid paying out-of-pocket costs after an accident with just the minimum liability amounts.

Apart from increasing coverage, drivers typically also include collision and comprehensive coverage on their policies to have a full coverage insurance policy. In fact, if you have a loan or a lease on your car, your lender will likely require you to have these.

Proof of Car Insurance in Chicago

Illinois state law requires you to keep a copy of your car insurance ID in your car. This allows you to easily show it to a requesting police officer if needed.

However, in Illinois, you can also show your proof of car insurance electronically. And with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit Google Play™ or the App Store.™

male driver happily protected by Car Insurance in Chicago

Average Car Insurance Cost in Chicago

In Illinois, the average cost of car insurance for The Hartford's customers is $1,144 a year, or about $125 a month.^‡‡‡ However, car insurance rates are complex and you may pay more or less than these amounts based on your:

Specific location
Driving record
Vehicle type
Deductibles and discounts

To learn more and get your personal AARP member price, call The Hartford at 888-546-9099 or get a quote online.

How Can I Save on Car Insurance in Chicago?

When it comes to saving on car insurance, The Hartford proudly offers these discounts for AARP members in Chicago:

Bundle your home and auto insurance, car and renters insurance or auto and condo insurance for an average savings of $963.**
Save 8% just by starting your auto insurance quote online.
Get a discount of up to 10% for paying your AARP car insurance bill from The Hartford on time.
Take advantage of a 5% defensive driving discount by taking an approved defensive driver course, like the AARP Driver Safety Course.
With The Hartford’s TrueLane Program, you can save up to 15% just for participating and earn a renewal discount of up to 40%, depending on your driving habits.^
If you pay your bill in full instead of making monthly payments, you’ll be eligible to receive extra discounts.

It also pays to drive safe. Having a clean driving record can help lower your insurance costs in numerous ways. For example, you could unlock a discount of up to 10% by maintaining a clean driving record for five straight years with The Hartford.

Car Insurance Benefits From The Hartford

With The Hartford, Chicago drivers can take advantage of optional coverages and benefits to extend their protection, such as:

New Car Replacement Coverage

If you total your new car, we’ll pay to replace it with a new car of the same make and model without subtracting anything for depreciation.^§§

RecoverCare^§ Coverage

This benefit helps pay for home services, like house cleaning, if you’re injured in an accident and can’t do them yourself.

Lifetime Car Repair Assurance

Get access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.

Disappearing Deductible

This optional benefit reduces your collision deductible on your auto policy over time as long as you’re a safe driver and maintain a clean driving record.^‡

Rental Car Reimbursement Coverage

Also called transportation expense coverage, this benefit helps pay for a rental car while your vehicle is in the shop after an accident.

Accident Forgiveness

This benefit excuses your first accident if you need to file a car insurance claim, as long as all drivers on your policy have a clean driving record and are accident-free for five straight years with The Hartford.^‡

The Hartford also offers car insurance savings of up to 10% simply for having an AARP membership.^† Not a member? We’ll help you sign up.

female customer happy after getting car insurance coverage in chicago

Get a Quote for Auto Insurance in Chicago Today

Wherever you live in Chicago’s 50 wards and 100 neighborhoods, The Hartford will help you get the car insurance coverage you need to drive with confidence. To learn more and get a quote for car insurance in Chicago, call The Hartford at 888-546-9099 or get a quote online.

What The Hartford’s Customers in Illinois Are Saying

“Having an auto accident can be a challenging time. The Hartford went above and beyond to make my claim a smooth process.”

Ruby, from Chicago, Illinois

“They were professional and took care of my needs right away.”

Kenycha, from Chicago, Illinois

“I learned a lot about having The Hartford auto insurance. It was one of my [least] stressful situations. Every step was made in a professional way.”

Theresa, from Chicago, Illinois

“The Hartford responded immediately to my claim with complete explanations both online and in a phone conversation.”

Judy, from Livingston, Illinois

“Very friendly people to deal with. … The Hartford really does care about their customers, and it really shows.”

Steve, from Camp Point, Illinois

“Easy to contact. … Would recommend to friends.”

Richard, from Evanston, Illinois

Frequently Asked Questions About Car Insurance in Chicago

What Happens If You Don't Have Car Insurance in Chicago?

Driving without the minimum insurance coverage is against the law for Chicago drivers. If you’re found to not have car insurance, your registration will be suspended. You would then need to pay a fee of $100 to reinstate your vehicle’s registration. If you’re in a car accident or stopped for a traffic violation and don’t have car insurance, you’ll be fined a minimum of $500.³

What Info Do I Need To Get an AARP Car Insurance Quote?

To get an AARP car insurance quote from The Hartford, you’ll need to provide:

Basic personal details, like your name, address and date of birth
Vehicle information, like make, model and ownership status (if you know your VIN, or vehicle identification number, that’ll provide the most accurate price)
Details about any additional drivers
Information about your current auto insurance policy

How Do I Get a Car Insurance Quote in Chicago?

To get a quote for AARP Auto Insurance from The Hartford, Chicago drivers can call us today at 888-546-9099 or get a quote online in minutes. We’ll even help you sign up if you don’t have an AARP membership.

Car Insurance Quote Comparison

AARP Benefits and Discounts

Auto Insurance FAQs

Last Updated: January 28, 2026

² Medical benefits are calculated on the basis of usual, customary and reasonable charges.

³ Illinois Department of Insurance, “Mandatory Insurance”

^ Not available in all states, terms and conditions apply.

^† Average annual savings are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences from AARP members and non-members vary by state and AARP membership tenure.

** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.