Enter your Zip Code to start your free quote


Evanston is located on the shores of beautiful Lake Michigan and a short trip by car or transit from the City of Chicago. Evanston’s growth occurred largely because of its accessibility from Chicago by rail. It was also one of the first streetcar suburbs. The city is home to Northwestern University, which consistently ranks with the best of the nation’s universities. Northwestern University is the largest employer in Evanston, and its students and faculty constitute a large consumer base for Evanston businesses. The cost of living in Evanston is 31% higher than the Illinois average, and 29% higher than the national average. Evanston is a “bedroom communities,” and most of the residents commute out of Evanston every day. This means a lot more traffic congestion, as well as higher insurance rates, so be sure to re-shop your policy at least twice a year. Just taking a couple minutes to compare all the options for cheap car insurance Evanston offers can save you hundreds over the course of a year.

Evanston Insurance Requirements

Estimates show that traffic delays cost the average Illinois commuter over $1,100 a year. Because the highway system is so unpredictable, most commuters plan for extra time every day to account for possible delays. For real time traffic conditions the Department of Transportation has a map showing current congestion spots. Traffic conditions and frequent delays result in an average of 51 hours of delay per commuter.

  • Illinois’ mandatory minimum coverage for bodily injury or death of one person in an accident is $20,000.
  • Illinois’ mandatory minimum coverage for bodily injury or death of more than one person in an accident is $40,000.
  • Illinois’ mandatory minimum coverage for damage to property of another person is $15,000.

The minimum coverage may be all the law requires, but one of the biggest contributors to Evanston’s increased auto insurance premiums is the rate of uninsured motorists, which is 15% statewide. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for
the best cheap car insurance Evanston can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Public Transportation In Evanston

The CTA’s Purple Line, part of the Chicago ‘L’ system, runs through Evanston.Another way to save money is to take public transportation for your daily commute. Evanston is served by six CTA bus routes as well as four Pace bus routes. The average travel time to work in Evanston is 15% higher than the national average, which is why the number of people who take public transportation in Evanston is 326% higher than the national average. Taking rail or bus to work means putting less miles on your car each year, which results in much lower rates.