First Chicago Auto Insurance Review for 2025 (Find a Top-Rated Policy)

Explore the First Chicago auto insurance review featuring the Maverick Auto Program, making it one of the best auto insurance companies for high-risk drivers without prior insurance or bad credit histories.

First Chicago Auto Insurance Rating

Rating Criteria
Overall Score	2.9
Business Reviews	3.0
Claim Processing	3.0
Company Reputation	3.0
Coverage Availability	1.7
Coverage Value	3.0
Customer Satisfaction	3.4
Digital Experience	3.0
Discounts Available	3.0
Insurance Cost	3.0
Plan Personalization	3.0
Policy Options	3.0
Savings Potential	3.0

First Chicago auto insurance includes flexible payment plans and discounts to make policies more accessible to high-risk drivers. While some customers appreciate the affordability, others report concerns about claims processing.

First Chicago Insurance Company (FCIC) is a member of the Warrior Insurance Network (WIN) and partners with independent agencies across Illinois, Indiana, Iowa, Kansas, Louisiana, Missouri, New Jersey, Ohio, Pennsylvania, Texas, and Wisconsin. Enter your ZIP code to find cheap auto insurance near you today.

First Chicago Auto Insurance Costs Vary by Age and Gender

This table breaks down First Chicago auto insurance rates by age, gender, and coverage level. Younger drivers face the highest costs, with 16-year-old males paying $290 per month for minimum coverage.

First Chicago Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

Rates decrease with age, with 60-year-old females seeing the lowest at $85 monthly. Full coverage remains pricier across all groups.

This table compares First Chicago’s monthly rates to major competitors. Monthly minimum coverage ranges from $32 with USAA to $107 with Travelers, while full coverage peaks at $248 with Liberty Mutual.

First Chicago Auto Insurance Monthly Rates vs. Top Competitors by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$87	$228
	$62	$166
	$95	$165
	$43	$114
	$96	$248
	$63	$164
	$56	$150
	$47	$123
	$107	$107
	$32	$84

First Chicago car insurance rates fall mid-range, costing $95 a month for minimum coverage and $165 monthly for full coverage. Geico and USAA offer the lowest rates.

Read more: Minimum Auto Insurance Requirements by State

First Chicago Auto Insurance Rates by Driving History

The table outlines how driving records impact First Chicago auto insurance rates. A clean record secures the lowest cost, while a history of accidents, DUIs, or tickets increases premiums.

The table below breaks down monthly premiums across providers, highlighting rate fluctuations based on driving records, with First Chicago offering a competitive rate of $165 for clean drivers.

First Chicago Auto Insurance Monthly Rates by Provider
& Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$228	$321	$385	$268
	$166	$251	$276	$194
	$165	$200	$300	$155
	$114	$189	$309	$151
	$248	$335	$447	$302
	$164	$230	$338	$196
	$150	$265	$200	$199
	$123	$146	$160	$137
	$141	$199	$294	$192
	$84	$111	$154	$96

Prices increase significantly for accidents and DUIs, but First Chicago is still cheaper than most companies after a speeding ticket or DUI. FCIC specializes in high-risk auto insurance, and its Maverick Auto Insurance program ensures drivers with bad credit or driving histories can find affordable coverage.

USAA remains the most affordable, but it’s only available to military families, making FCIC an affordable option if it’s available where you live.

Learn More: DWI vs. DUI DifferencesEexplained

Coverage Options Available With First Chicago Auto Insurance

Chicago Auto Insurance Company offers different coverage choices, including the most common types of auto insurance policies:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Medical Payments and personal injury protection

Drivers can also add affordable add-ons, including roadside assistance and rental reimbursement coverage. These policy choices give drivers the chance to adjust their First Chicago car insurance according to what they need and can afford.

First Chicago coverage options are limited when compared to national providers, but it provides all the policies high-risk drivers need to get covered at an affordable rate.

Savings Opportunities With First Chicago Auto Insurance

The table outlines First Chicago Auto Insurance discounts that can lower monthly costs. Safe drivers, senior motorists, and those with anti-theft devices can save up to 15%.

First Chicago Auto Insurance Discounts by Savings Potential

Discount Type
Anti-Theft	15%
Good Student	10%
Low Mileage	18%
Paperless	5%
Safe Driver	15%
Senior Driver	15%
Multi-Vehicle	25%
Multi-Policy	25%
Defensive Driving	10%
Pay-in-Full	10%

Bundling policies or insuring multiple vehicles unlocks 25% off. Low-mileage drivers benefit from an 18% reduction, while paperless billing offers a 5% discount.

Read More: How to Save Money by Bundling Insurance Policies

First Chicago Auto Insurance Consumer Ratings and Insights

The table below presents First Chicago Auto Insurance’s performance across major rating agencies. J.D. Power scores suggest customer satisfaction falls below the industry average.

First Chicago Auto Insurance Business Ratings & Consumer Reviews

Agency
	Score: 790 / 1,000 Below Average Satisfaction
	Score: A- Generally Positive Practices
	Score: 65/100 Below Average Satisfaction
	Score: 2.8 Higher Than Average Complaints
	Score: B++ Good Financial Strength

A.M. Best assigns a B++, reflecting stable financial strength but not the best. Consumer Reports rates the company 65 out of 100, indicating mixed feedback. See how the best auto insurance companies according to Consumer Reports compare.

Weighing the Pros & Cons of First Chicago Auto Insurance

This First Chicago auto insurance review found competitive insurance starting from $95 monthly. The First Chicago Maverick Auto Program is for drivers without previous insurance, DUIs, or poor credit, setting it apart from some of the best auto insurance companies. Other benefits of First Chicago auto insurance are:

• Affordable rates compared to similar competitors
• Quick policy issuance with minimal paperwork delays
• Multiple discounts to save money on car insurance

However, this company’s customer service has room for improvement. It has a high volume of complaints about denied claims experiences. First Chicago is also a smaller company, only available in 11 states, and does not offer as many coverage options or big discounts.

Though the attractive pricing is appealing, there are still worries about claim processing and quality of service. Before selecting a policy, it is important to balance cost savings with customer feedback. Compare cheap auto insurance for bad driving records to find companies with better customer service ratings than First Chicago.

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