First Chicago Insurance Reviews, Coverage & Rates 2025.
First Chicago Insurance Company (FCIC), a regional insurer based in Bedford Park, Illinois, has been providing auto insurance since 1920. As a member of the Warrior Insurance Network, FCIC specializes in personal and commercial auto coverage, with a focus on non-standard and high-risk drivers. While the company offers competitive rates and a variety of coverage options, its reputation is marred by poor customer service reviews and high complaint ratios. This article provides a comprehensive analysis of First Chicago Insurance reviews, coverage options, and rates for 2025, helping consumers make informed decisions about their auto insurance needs.
Thank you for reading this post, don't forget to subscribe!Overview of First Chicago Insurance
Founded as the Chicago Ice Producers Mutual Liability Company, FCIC transitioned to its current name in 2006 after converting to a stock company. It operates primarily in Illinois, Indiana, Iowa, Kansas, Louisiana, Missouri, New Jersey, Ohio, Pennsylvania, Texas, and Wisconsin, offering personal auto, commercial auto, and artisan general liability insurance. FCIC’s Maverick Auto Program targets high-risk drivers, including those with lapsed coverage or poor credit, making it an attractive option for those struggling to secure insurance elsewhere. However, customer feedback highlights significant challenges, particularly in claims processing and communication.
Customer Reviews and Ratings
First Chicago Insurance has received overwhelmingly negative customer feedback across multiple platforms, with ratings reflecting dissatisfaction with claims handling and customer service. Below is a summary of key review metrics as of 2025:
| Platform | Rating | Key Feedback |
|---|---|---|
| WalletHub | 1.9/5 | Poor customer service, high complaint ratio (NAIC rating: 9.99–24.73). |
| Better Business Bureau (BBB) | 1.06/5 (467 complaints) | Unresponsive claims department, delays in payouts, unprofessional staff. |
| Trustpilot | 1.2/5 (73 reviews) | Slow claims processing, lack of communication, high storage fees for towed cars. |
| Clearsurance | Not rated | Mixed reviews; some praise affordability, others criticize coverage and service. |
| Yelp | 1.0/5 (205 reviews) | Unorganized, fraudulent practices, and difficulty contacting adjusters. |
| PissedConsumer | 1.2/5 (68 reviews) | Complaints about ignored claims, unprofessional conduct, and scam-like behavior. |
Common Complaints
- Claims Delays: Customers frequently report delays of weeks or months in claims processing. For instance, one customer noted a four-month wait for a leased vehicle payout, resulting in credit score damage.
- Poor Communication: Many reviewers describe unanswered calls, emails, and texts. A Reddit user mentioned their adjuster struggled to contact FCIC, with voicemails often going unreturned due to system errors.
- Unfair Practices: Some customers allege FCIC passes on excessive towing or storage fees or denies valid claims without explanation. One review cited a case where FCIC refused to pay for a totaled vehicle’s tow fees, despite admitting fault.
- Fraud Allegations: Several reviews on Trustpilot and PissedConsumer label FCIC’s practices as “scammy,” with one customer claiming the company altered their policy without consent.
Positive Feedback
Despite the negative reviews, some customers appreciate FCIC’s affordability and accessibility for high-risk drivers. A few Clearsurance reviews from 2019–2020 praised helpful staff and smooth payment processes, though these are outliers compared to the broader sentiment.
Coverage Options
First Chicago Insurance offers a range of coverage options tailored to both standard and non-standard drivers. Below is a breakdown of their primary offerings:
| Coverage Type | Description |
|---|---|
| Bodily Injury Liability | Covers injuries to others in an accident where the policyholder is at fault. |
| Property Damage Liability | Covers damage to others’ property caused by the policyholder. |
| Medical Payments | Pays for medical expenses for the policyholder and passengers, regardless of fault. |
| Uninsured/Underinsured Motorist | Protects against damages from drivers with no or insufficient insurance. |
| Comprehensive | Covers non-collision damages (e.g., theft, vandalism, weather). |
| Collision | Covers damage to the policyholder’s vehicle in an accident. |
| Rental Reimbursement | Pays for rental car costs if the insured vehicle is being repaired. |
| Roadside Assistance | Provides towing, fuel delivery, and other emergency services. |
| Glass Express Program | Offers 24/7 glass claim filing for quick windshield or window repairs. |
FCIC’s coverage is particularly appealing to high-risk drivers through its Maverick Auto Program, which does not use credit checks and accommodates those with lapsed policies. However, customers report that coverage levels can feel inadequate, with some describing payouts as “next to nothing.”
Rates and Discounts
First Chicago Insurance is known for offering lower-than-average rates, particularly for high-risk drivers. The average cost of car insurance in Chicago is approximately $120 per month, but FCIC’s rates can be significantly lower, especially for minimum coverage. For example, a 2025 AutoInsurance.org review notes that 16-year-old males in Illinois pay around $290 per month for minimum coverage, while FCIC’s rates for high-risk drivers may start as low as $85 per month for adults.
Discounts
FCIC provides over 22 discounts to help lower premiums, including:
- Advance Quote Discount: Savings for purchasing a policy before coverage starts.
- Defensive Driver Discount: For completing a defensive driving course.
- Multi-Car Discount: For insuring multiple vehicles.
- Paid-in-Full Discount: For paying the annual premium upfront.
- Good Student Discount: For students with strong academic performance.
- Anti-Theft Discount: For vehicles equipped with anti-theft devices.
- Homeowners Discount: For policyholders who own a home.
- Renewal Discount: For renewing policies with FCIC.
While these discounts enhance affordability, customers are advised to weigh cost savings against potential service issues, as poor claims handling can offset financial benefits.
Rates by Driver Profile
| Driver Profile | Estimated Monthly Rate | Notes |
|---|---|---|
| Young Driver (16–20) | $290–$350 | Higher rates due to inexperience and risk. |
| Adult with Clean Record | $85–$120 | Competitive for non-standard drivers. |
| High-Risk Driver | $100–$200 | Maverick Auto Program offers accessible rates. |
| Senior Driver (65+) | $90–$150 | Rates vary based on coverage and location. |
Note: Rates vary based on location, driving history, vehicle type, and coverage level. Quotes from Insurify (July 2025) indicate FCIC helped a Chevrolet Blazer driver in Indiana save with a tailored quote.
Financial Strength and Industry Standing
AM Best revised FCIC’s Long-Term Issuer Credit Ratings outlook to positive from stable in February 2025, affirming a Financial Strength Rating of B (Fair). This reflects adequate balance sheet strength and operating performance, driven by surplus growth from 2019–2024. However, FCIC’s business profile is limited due to its focus on non-standard auto insurance and geographic concentration (over 80% of premiums from Illinois, Texas, Pennsylvania, and Indiana). The company’s high NAIC complaint ratio (9.99–24.73) indicates significantly more complaints than the industry average, raising concerns about reliability.
Pros and Cons
| Pros | Cons |
|---|---|
| Affordable rates for high-risk drivers | Poor customer service and claims handling |
| Wide range of discounts (22+) | High complaint ratios (NAIC, BBB) |
| Maverick Auto Program for accessibility | Limited availability (11 states) |
| 24/7 claims filing via Glass Express | Allegations of unfair or fraudulent practices |
Consumer Recommendations
Given the mixed feedback, consumers considering First Chicago Insurance should take the following steps:
- Compare Quotes: Use tools like Insurify or AutoInsurance.org to compare FCIC’s rates with competitors like Progressive or State Farm, which may offer better service despite higher costs.
- Research Claims Process: Investigate FCIC’s claims handling by contacting current policyholders or reviewing recent complaints on BBB or Reddit.
- File Complaints if Needed: If issues arise, report to the Illinois Department of Insurance or Federal Insurance Office. Some customers suggest involving legal counsel for unresolved claims.
- Consider Alternatives: For high-risk drivers, explore insurers like American Auto Insurance, which boasts an A+ BBB rating and competitive rates in Illinois.
Frequently Asked Questions
1. Is First Chicago Insurance a reliable company in 2025?
Yes, First Chicago Insurance remains a reliable provider in 2025 for auto and commercial insurance. Many customers report satisfaction with competitive pricing and customizable policies, though reviews on claims processing vary. It’s important to compare customer feedback and financial strength ratings before purchasing.
2. What types of coverage does First Chicago Insurance offer?
First Chicago Insurance offers a range of products including auto, commercial auto, general liability, and rideshare coverage. Policyholders can also add optional coverages like roadside assistance, uninsured motorist protection, and rental reimbursement.
3. How do First Chicago Insurance rates compare in 2025?
In 2025, First Chicago Insurance offers competitive rates, especially for high-risk drivers or those needing non-standard coverage. However, premiums may vary based on driving history, location, and vehicle type. It’s best to request a personalized quote.
4. Are there any common complaints about First Chicago Insurance?
Common complaints include delays in claims processing and limited online support. However, many customers praise the company’s affordability and flexible coverage options. Experiences can differ widely, so reading recent reviews is recommended.
5. How can I get a quote from First Chicago Insurance in 2025?
You can get a quote by visiting the First Chicago Insurance website, calling their customer service, or contacting an authorized agent. Providing accurate driving and vehicle information will help you get the most accurate estimate.
