Chicago has 2,711,226 residents in 1,160,205 households. We list 364 insurance agencies in Chicago. Here is what the local numbers say about the cover people here need.

Chicago at a glance

364insurance 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 184 Chicago agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers43 agencies
The Hartford38 agencies
Nationwide37 agencies
Liberty Mutual34 agencies
UnitedHealthcare33 agencies
Aetna32 agencies
Blue Cross Blue Shield31 agencies
Chubb (ACE)31 agencies
Chubb29 agencies
Liberty Mutual (Safeco)29 agencies

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

What Chicago agencies can write

Share of the 364 agencies listed in Chicago that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Chicago agencies are

Chicago agencies we list sit in 44 ZIP codes, mostly in Cook County.

6060657 agencies
6060131 agencies
6065430 agencies
6060722 agencies
6066121 agencies
6061114 agencies
6060313 agencies
6061312 agencies
6061411 agencies
6063111 agencies
6060410 agencies
6062210 agencies
6063410 agencies
6063810 agencies
6064610 agencies
606028 agencies
606188 agencies
606307 agencies
606086 agencies
606576 agencies
606105 agencies
606425 agencies
606404 agencies
606414 agencies

Questions

Insurance agencies in Chicago

How do I find an insurance agency 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 insurance can I get from agencies in Chicago?

Most often life, general liability, auto, home, workers' compensation. Pick a type in the filters to narrow the list.

Which insurance companies do Chicago agencies work with?

Among the 184 Chicago agencies whose appointments we hold, the companies they are most often appointed with are Travelers (43), The Hartford (38), Nationwide (37), Liberty Mutual (34), UnitedHealthcare (33). 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.

Do I need renters insurance in Chicago?

54% of households in Chicago rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

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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