Chicago has 2,711,226 residents in 1,160,205 households. We list 62 agencies for accident & health insurance in Chicago. Here is what the local numbers say about the cover people here need.

Chicago at a glance

62accident & health insurance agencies listed
54%of households rentRenters insurance
$334,100median home valueHome insurance
1953median year homes were builtRebuild cost calculator
26.6%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Cook County

FEMA rates the overall natural hazard risk in Cook County, where most Chicago agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Chicago
Winter weatherVery High
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Chicago
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Chicago

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Illinois

Illinois requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $20,000 of property damage liability, often written 25/50/20. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Chicago How much liability cover do you need?

Source: idoi.illinois.gov. Checked 2026-10-24.

Insurance companies Chicago agencies work with

Of the 62 Chicago agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare33 agencies
Blue Cross Blue Shield31 agencies
Aetna29 agencies
Medicare Advantage26 agencies
Centene24 agencies
Humana22 agencies
Mutual life carrier20 agencies
Principal20 agencies
Cigna19 agencies
Metropolitan Life Insurance Company19 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Chicago agencies are

Chicago agencies we list sit in 26 ZIP codes, mostly in Cook County.

606017 agencies
606067 agencies
606546 agencies
606115 agencies
606315 agencies
606615 agencies
606073 agencies
606383 agencies
606082 agencies
606142 agencies
606302 agencies
606021 agency
606051 agency
606101 agency
606121 agency
606131 agency
606161 agency
606191 agency
606321 agency
606391 agency
606401 agency
606411 agency
606461 agency
606561 agency

Questions

Accident & Health insurance in Chicago

All insurance agencies in Chicago · Accident & Health insurance across Illinois

Where can I find accident & health insurance in Chicago?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Which insurance companies do Chicago agencies work with?

Among the 62 Chicago agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (33), Blue Cross Blue Shield (31), Aetna (29), Medicare Advantage (26), Centene (24). An appointed agency can quote that company's policies.

Do I need flood insurance in Chicago?

FEMA's National Risk Index rates inland flooding risk in Cook County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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