Chicago auto insurance,
on the spot.
Chicago's neighborhood auto insurance agency since 1986. Four offices, one phone call, same-day coverage. We Shop, You Save.
- Same-day coverage
- 4 Chicago-area offices
- Hablamos español
- No credit check
- 24/7 roadside assistance available
We shop. You save.
We compare a network of insurance companies to get your lowest rate — most Chicago drivers leave with an active policy the same business day.
Tell us about you
Start a free quote online, walk into one of our four Chicago-area offices, or call 773-202-5060. Just a ZIP and a couple of minutes — no credit check.
We shop the network
We compare a network of insurance companies — including carriers that write hard-to-insure Chicago drivers — and bring back the rate that fits your situation best.
Drive covered today
In most cases your Chicago auto policy is active the same business day. If you need an SR-22, we E-file with the Illinois Secretary of State on the spot.
We insure everyone. Local since 1986.
Four offices, real people
HQ on the Northwest Side, plus Chicago South, Berwyn, and Melrose Park. Two of our offices sit right next to the DMV — perfect for license reinstatement. Walk in and talk to a real person.
SR-22, non-owner, and more
DUI, license suspension, multiple tickets, no prior insurance — we specialize in helping everyone get back on the road. We compare a network of insurance companies — including carriers that write hard-to-insure drivers.
Insured today. Driving today.
Call, walk in, or quote online — most Chicago drivers leave with an active policy the same business day. No credit check required.
The coverage Chicago drivers actually need.
Auto, SR-22, and motorcycle insurance, written for Chicago drivers. Each one shopped across multiple carriers to find your best rate.
Auto Insurance
Liability, full coverage, comprehensive. Built for everyday Chicago drivers.
Explore auto insuranceSR-22 Insurance
E-filed with the IL Secretary of State the same day. Owner or non-owner policies available.
SR-22 detailsMotorcycle Insurance
Liability and full-coverage motorcycle policies for Illinois riders. Year-round and seasonal options.
Motorcycle insuranceGet My Quote
2 minutes, ZIP code, no credit check. We shop multiple carriers and call you back with real numbers.
Start free quoteWhat moves your Chicago auto insurance rate?
Two drivers on the same Chicago street can pay very different rates. Here's what actually drives the number — and why Chicago premiums tend to run higher than downstate Illinois.
IOTS vs. the national carriers.
The big-name insurers run a single underwriting pipe. We compare a network of insurance companies — when one carrier says no or quotes too high, we shop the next.
Insure On The Spot
- Offices
- Four physical Chicago-area offices — walk in if you'd rather
- Speed
- Same-day coverage in most cases. SR-22 E-filed today.
- Carrier shopping
- Multi-carrier — we compare a network of insurance companies
- Hard-to-insure
- SR-22, DUI, suspended license, no prior insurance — written every day
- Español
- Bilingual team at every office
- Credit check
- None required to start a quote
National carriers
- Offices
- Mostly online or 800 numbers
- Speed
- Often slower; phone-tree routing
- Carrier shopping
- Their own product only — take it or leave it
- Hard-to-insure
- Often declined or surcharged heavily
- Español
- Varies by carrier and call routing
- Credit check
- Often run a credit check
Four Chicago-area offices. Two next to the DMV.
Most customers handle everything over the phone or online — but if you'd rather walk in, every location has free parking and a bilingual team.
Next to the DMV
Next to the DMV
What Chicago drivers ask before they switch.
If something's not here, call us. We answer Chicago auto insurance questions every day of the week.
What Illinois drivers say about us.
Rated 4.9 / 5 across 3,487 verified reviews on Shopper Approved.