Cheapest company in Chicago for full coverage insurance. State Farm not only has the cheapest minimum policy but also the cheapest full coverage policy.Progressive has the second most inexpensive full coverage policy but might not be the best alternative to State Farm since it’s $648 more costly on average. Former and current military members should look into USAA for a policy quote, as the. WELCOME TO THE CHICAGO ASSOCIATION OF REALTORS ®. The Chicago Association of REALTORS® (CAR), the “Voice for Real Estate” in Chicago since 1883, represents over 15,500 members from all real estate specialties including commercial sales, development, property management, appraisal, auctions and residential sales. Insurance companies take many factors into consideration when they determine your car insurance rates. These include your car’s make and model, your gender and age, and your claims history. Another significant factor is your car insurance history, whether you’ve had any lapses in coverage, and whether you drove while uninsured.