Finding the right auto insurance provider can feel like navigating a maze—balancing cost, coverage, and customer service is no small task. If you’re considering First Chicago Insurance, you might be wondering whether it’s a reliable option for protecting your vehicle.

With over a century of experience, First Chicago Insurance promises affordable policies and dependable service, but does it live up to the hype?

In this comprehensive guide, we’ll dive into First Chicago Insurance reviews, coverage options, claims process, payment methods, and more to help you decide if it’s the right fit for you. Let’s explore what makes this Chicago-based insurer stand out and where it might fall short.

Who Is First Chicago Insurance?

Founded in 1920 as the Chicago Ice Producers Mutual Liability Company, First Chicago Insurance Company (FCIC) has evolved into a regional powerhouse, offering personal and commercial auto insurance, as well as general liability coverage.

Headquartered in Bedford Park, Illinois, FCIC operates in multiple states, including Illinois, Indiana, Iowa, Kansas, Louisiana, Missouri, New Jersey, Ohio, Pennsylvania, Texas, and Wisconsin.

Part of the Warrior Insurance Network, First Chicago prides itself on tailoring policies for drivers of all experience levels, from new drivers to those with less-than-perfect records.

What sets First Chicago apart is its focus on affordability and accessibility, particularly for drivers in the Chicagoland area. But with mixed customer reviews, it’s essential to weigh the pros and cons before signing up.

First Chicago Insurance Coverage Options

First Chicago Insurance offers a range of coverage options designed to meet diverse driver needs. Whether you’re insuring a personal vehicle or a commercial fleet, here’s what you can expect:

• Bodily Injury Liability: Covers medical expenses or injuries to others if you’re at fault in an accident.
• Property Damage Liability: Pays for damage you cause to another person’s property, such as their vehicle or a fence.

• Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, regardless of fault.
• Medical Payments: Pays for medical costs for you or your passengers resulting from an accident, even as a pedestrian.
• Comprehensive Coverage: Protects against non-collision incidents like theft, vandalism, or weather-related damage.

• Collision Coverage: Covers damage to your vehicle from collisions with other vehicles or objects.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver with no or insufficient insurance.
• Additional Options: Includes rental reimbursement, roadside assistance, and specialty coverage like commercial auto insurance.

For example, a small business owner I know insures their delivery vans with First Chicago’s commercial auto policy, appreciating the flexibility to add roadside assistance for their drivers. However, First Chicago does not offer homeowners insurance, which may limit bundling opportunities for some customers.

How to Save Money with First Chicago Insurance

First Chicago offers several discounts to help drivers lower their premiums. Here are some you might qualify for:

• Advance Quote Discount: Get a discount by purchasing your policy before your current coverage expires.
• Anti-Theft Discount: Available for vehicles equipped with anti-theft devices.
• Defensive Driver Discount: Earn savings by completing a defensive driving course.
• Good Student Discount: Students with strong academic performance can save on their policy.
• Homeowners Discount: Owning a home may qualify you for additional savings.
• Multi-Car Discount: Insure multiple vehicles on the same policy for a discount.

Raising your deductible from $500 to $1,000 can also reduce your premium by 15-30%, according to industry estimates. For instance, a friend of mine saved nearly 20% on their premium by opting for a higher deductible and combining it with the multi-car discount for their two vehicles.

First Chicago Insurance Claims Process

Filing a claim with First Chicago is designed to be straightforward, with options to submit online or by phone. Here’s a step-by-step guide to filing a claim:

1. Report the Incident: Call the claims line at (888) 264-5677 or submit an online Auto Accident Form at firstchicagoinsurance.com. Provide details about the accident, including vehicle information, drivers involved, and any damages or injuries
2. Wait for Contact: A claims representative will reach out the next business day to discuss your case.
3. Provide Documentation: Submit photos, police reports, or other evidence to support your claim.
4. Work with an Adjuster: An adjuster will assess the damage and provide an estimate for repairs or compensation.

However, customer reviews highlight challenges with the claims process. Many report long wait times, unresponsive adjusters, and delays in claim resolution.

For example, a Reddit user described waiting over a month for First Chicago to process a claim after a hit-and-run, despite providing a police report and photos. To avoid frustration, keep detailed records of all communications and consider escalating unresolved issues to the Illinois Department of Insurance at (312) 814-2420.

First Chicago Insurance Customer Reviews: The Good and the Bad

Customer feedback on First Chicago Insurance is mixed, with some praising its affordability and others criticizing its customer service. Here’s a balanced look:

The Good:

• Affordable Rates: Many customers appreciate First Chicago’s competitive pricing, with liability-only policies averaging $50-$55 per month, comparable to providers like GEICO and State Farm.

[](https://insurify.com/car-insurance/companies/first-chicago-insurance/)

• Responsive Staff: Some reviews highlight positive experiences with individual representatives, such as Cristina and Jiovani Cruz, who provided excellent customer service during claims or policy setup.

[](https://www.yelp.com/biz/first-chicago-insurance-company-bedford-park)[](https://www.verified-reviews.com/reviews/firstchicagoinsurance.com?p=25ctq)

• Glass Express Program: Offers 24/7 glass claim filing, which is convenient for quick repairs.

[](https://clearsurance.com/insurance-company/first-chicago-insurance-company-58c1a76c1ca18e7842727d62)

The Bad:

• Poor Communication: Numerous reviews on platforms like Trustpilot and Reddit report unresponsive claims departments, with calls going to voicemail and emails unanswered. One customer waited over three months for a claim to be processed after a rear-end collision.

[](https://www.trustpilot.com/review/firstchicagoinsurance.com)[](https://www.reddit.com/r/Insurance/comments/18u159v/anybody_worked_with_first_chicago_insurance/)

• Claims Delays: Customers frequently mention delays, with some claiming adjusters changed frequently or failed to follow up. A Yelp reviewer noted that First Chicago initially denied a claim but paid out after a complaint to the Illinois Department of Insurance.

[](https://www.yelp.com/biz/first-chicago-insurance-company-bedford-park)

• Limited Coverage Options: Unlike larger insurers, First Chicago doesn’t offer bundling with homeowners insurance, and some customers find the coverage options limited.

[](https://insurify.com/car-insurance/companies/first-chicago-insurance/)

With an average rating of 1.1 on PissedConsumer and mixed reviews on Verified Reviews (5.0/5 from some users), First Chicago’s reputation varies widely.

If customer service is a priority, you might want to compare First Chicago with providers like State Farm or GEICO, which have stronger ratings for claims satisfaction.

[](https://first-chicago-insurance.pissedconsumer.com/review.html)[](https://www.verified-reviews.com/reviews/firstchicagoinsurance.com)[](https://insurify.com/car-insurance/companies/first-chicago-insurance/)

First Chicago Insurance Locations and Contact Information

First Chicago Insurance is headquartered at:

First Chicago Insurance Company
6640 S Cicero Ave, Bedford Park, IL 60638

General Phone Number: (312) 347-1200
Claims Phone Number: (888) 264-5677
Customer Service/Payments: (708) 552-4400

The company operates in 11 states: Illinois, Indiana, Iowa, Kansas, Louisiana, Missouri, New Jersey, Ohio, Pennsylvania, Texas, and Wisconsin.

To find an agent near you, contact First Chicago or visit an independent agency like The Insurance Exchange in South Holland, Illinois, which represents First Chicago in multiple states. Payments can be made online at firstchicagoinsurance.com, via the automated phone system at (800) 388-9001, or by mail to:

[](https://www.insxchg.com/insurance-companies/first-chicago)

First Chicago Insurance Company
Attn: Accounts Payable
P.O. Box 389508
Chicago, IL 60638-9508

Texas Policyholders:
Lonestar Managing General Agency
Attn: Accounts Payable
1130 East Arapaho Rd, Ste. 435
Richardson, TX 75081

How to Make a Payment with First Chicago

First Chicago offers multiple multiple payment options for convenience:

• Online: Register at firstchicagoinsurance.com to pay with a credit card or bank account. Note that new customers must register on a computer, but subsequent payments can be made via smartphone.
• Phone: Call (708) 552-4400 or (800) 388-9001, option 1, to pay through the automated system.
• Mail: Send payments to the addresses listed above, depending on your state.

Some customers report issues with the online payment system, such as cards being rejected, but phone payments are generally smooth when handled by a representative.

[](https://www.verified-reviews.com/reviews/firstchicagoinsurance.com)

Is First Chicago Insurance Right for You?

First Chicago Insurance is best suited for:

• Drivers seeking affordable rates, especially those with non-standard driving records.
• Customers in the Chicagoland area or supported states who value local expertise.
• Those who need basic coverage with optional add-ons like roadside assistance.

However, it may not be ideal if you prioritize seamless claims processing or need bundling options with homeowners insurance.

For comparison, GEICO offers similar pricing ($55/month for liability) with nationwide availability, while Erie provides more customization options. Always request quotes from multiple providers to ensure you’re getting the best deal.

[](https://insurify.com/car-insurance/companies/first-chicago-insurance/)

FAQ: Common Questions About First Chicago Insurance

Q: Is First Chicago Insurance a legitimate company?
A: Yes, First Chicago has been in business since 1920 and is part of the Warrior Insurance Network, offering coverage in 11 states. However, it is not BBB-accredited, and customer reviews are mixed.

[](https://insurify.com/car-insurance/companies/first-chicago-insurance/)[](https://www.firstchicagoinsurance.com/Home/About)

Q: How do I file a claim with First Chicago?
A: Call (888) 264-5677 or submit an online Auto Accident Form at firstchicagoinsurance.com. A representative will contact you the next business day.

[](https://www.firstchicagoinsurance.com/Claims)

Q: What discounts does First Chicago offer?
A: Discounts include advance quote, anti-theft, defensive driver, good student, homeowners, and multi-car discounts, depending on your state and policy.

[](https://clearsurance.com/insurance-company/first-chicago-insurance-company-58c1a76c1ca18e7842727d62)

Q: Where is First Chicago Insurance available?
A: Coverage is available in Illinois, Indiana, Iowa, Kansas, Louisiana, Missouri, New Jersey, Ohio, Pennsylvania, Texas, and Wisconsin.

[](https://www.firstchicagoinsurance.com/Home/About)

Q: How can I contact First Chicago Insurance?
A: Reach them at (312) 347-1200 for general inquiries, (888) 264-5677 for claims, or (708) 552-4400 for customer service and payments.

[](https://www.urbasekinsurance.net/insurance-company/first-chicago-insurance)

Summary: Should You Choose First Chicago Insurance?

First Chicago Insurance offers affordable auto insurance with a range of coverage options and discounts, making it an attractive choice for budget-conscious drivers in the Chicagoland area and beyond.

Its long history since 1920 and membership in the Warrior Insurance Network add credibility, but mixed reviews regarding claims processing and customer service raise red flags.

While some customers praise the affordability and helpful staff, others report significant delays and communication issues. If you’re considering First Chicago, weigh its competitive pricing against potential challenges with claims and compare quotes with providers like State Farm or GEICO for a well-rounded decision.

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Ready to find the perfect insurance for your needs? Get a free quote from First Chicago at firstchicagoinsurance.com and explore your options. Want to connect with other drivers and share tips on insurance, car maintenance, and more? Join our vibrant community on social media for the latest updates and advice!

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