First Chicago Insurance Company Review

I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…

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Reviewed by



Rachael Brennan


Licensed Insurance Agent

Rachael Brennan

UPDATED: Apr 1, 2022

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Here’s the Scoop

  • First Chicago Insurance Company provides insurance coverage across the Midwest
  • Protections include personal and commercial auto and general liability for artisan contractors
  • There are many discount opportunities, but customer reviews are generally poor

Are you struggling to choose the right insurance company? We know that providers don’t always make it easy to select a policy, and sometimes, it feels almost impossible to sort through all the options. We understand how challenging the search can be. That’s why we provide access to fast and free quotes and honest company reviews. Today, we’ll take a look at First Chicago Insurance Company.

We’ll break down the coverage options together so that you can have peace of mind. We’ll also explore the company’s financial ratings and customer reviews to give you a complete picture of First Chicago Insurance Company.

Table of Contents

What services does First Chicago Insurance offer?

First Chicago Insurance provides personal and commercial protection across the Midwest. The company has been in business for over 95 years and offers standard protection with multiple ways to save. 

Besides personal and commercial auto, the company offers insurance coverage for public transportation drivers and fleet owners. Additionally, First Chicago provides general liability insurance for artisan contractors. 

First Chicago provides access to a 24/7 claims service that operates 365 days a year. 

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First Chicago Insurance Auto Insurance

First Chicago’s personal auto insurance policy is composed of four types of coverage. Each coverage has its own premium. The monthly rate you pay for standard protection is the sum of all four coverage types.

Standard personal car insurance with First Chicago is made up of:

  • Liability coverage. Also known as bodily injury and property damage coverage, this protection pays for another person’s losses or injuries caused by you. 
  • Vehicle medical payments. This covers your medical expenses and those of your passengers if an accident results in your injury.
  • Uninsured/underinsured motorist coverage. This protection is available in three forms and pays for losses caused by drivers with little or no car insurance.
  • Collision and comprehensive coverage. Collision insurance pays for losses caused by hitting another car or object. Comprehensive plans cover damage caused by non-collision incidents, such as weather, theft, or vandalism. These plans often include rental reimbursement and towing and labor coverage.

While First Chicago’s standard car insurance includes all four coverage types, you can choose to leave some out. Removing comprehensive and collision coverage will result in lower premiums. In fact, if your car is older or less valuable, these enhanced coverages may cost you more than they’re worth.

How to Save Money on Your First Chicago Car Insurance

The best car insurance companies offer many savings opportunities and discounts. First Chicago Insurance Company provides an extensive list of discounts, including:

  • Good student discount. There are savings opportunities for students meeting specific criteria.
  • Multi-car discount. Insuring multiple vehicles with First Chicago qualifies you for this discount.
  • Anti-theft discount. Specific anti-theft devices may qualify you for this savings opportunity.
  • Renewal discount. Renewing your policy with First Chicago qualifies you for savings on your insurance.

Besides discounts, you can lower your monthly payment in a couple of additional ways:

  • Higher deductible. Raising your deductible will result in lower monthly rates.
  • Remove unnecessary coverage. If your collision and comprehensive rates are worth more than 10% of your car’s value, you might be wasting money.

Many additional discounts may be available, and an agent can help you find more savings opportunities for your situation.

First Chicago Insurance Commercial Auto Coverage

Commercial auto coverage with First Chicago Insurance covers:

  • Owned or leased vehicles. The plan pays for losses resulting from damage to owned or leased company commercial and private passenger cars.
  • Newly acquired cars. Your plan protects new or additional cars you buy during your policy period.
  • Light trailers. Commercial policies protect utility trailers weighing less than 3,500 pounds pulled by trucks or private passenger cars. 

You can protect your business’ assets with a First Chicago commercial coverage plan. 

First Chicago Insurance Public Transportation Protection

Public transportation insurance is available through First Chicago in some states.

Coverage is available for:

  • Taxis. Protection is available for individual owners/operators and large fleet associations. 
  • Limousines. The plan protects single cars and entire fleets, including large limo buses. 
  • Para transit/non-emergency medical transportation (NEMT). Coverage is available for transportation services that carry patients to and from medical appointments.
  • Car service. This coverage protects basic and luxury car service operations, including school ride programs. 

Public transportation plans have a variety of payment options and flexible benefit ranges.

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First Chicago Insurance General Liability Coverage

If you’re a contractor or small business owner, you might be curious about the best small business insurance. As a business owner, this coverage is essential to protecting your livelihood.

First Chicago Insurance Company offers general liability coverage for contractors. The plan protects your tools and machinery. It can provide you with protection and peace of mind if an accident occurs on the job site. 

General liability coverage with First Chicago is available for over 40 professions, including HVAC technicians, landscapers, and florists.

First Chicago Insurance Ratings & Reviews

One of the most important things you can do when searching for an insurance company is to consult the financial ratings and customer reviews. These two sources of information provide valuable insights into the company’s financial strength, stability, and credibility. 

Financial Ratings

Financial ratings are third-party estimations of an insurer’s ability to meet certain financial obligations. 

Out of the major financial rating agencies, only A.M. Best rates First Chicago. The company currently holds a B (fair) rating, and its outlook is stable. 

Customer Reviews 

Customer reviews are another essential source of information. We look at customer reviews to see how the company treats its patrons. This shows us the company’s level of customer care and whether it honors its commitments.

First Chicago Insurance Company is accredited by the Better Business Bureau (BBB) and has an A+ rating. Furthermore, the company has 1.02/5 stars based on 49 customer reviews. 

With Yelp, the company is similarly rated. Out of 61 customer reviews, First Chicago has 1/5 stars. 

The general tone of customer reviews is negative. Many patrons complain of poor customer service and claims issues. Others accuse the company of failing to honor agreements. 

However, a few customers do speak highly of First Chicago. The most glowing praise is directed not at the company but at individual agents, and some customers celebrate the helpful service they received. 

First Chicago Insurance: The Bottom Line

First Chicago Insurance Company provides personal and commercial auto coverage. Additionally, the company offers a general liability policy for contractors.

Plans are available across the Midwest and vary by state. 

You can pick and choose your coverage, and there are many discounts available. First Chicago allows you to set your own deductible, which can help lower your monthly payment. 

Only one significant financial reviewer rates First Chicago. A.M. Best gives the company a B rating, which is neither excellent nor poor. 

Customer reviews for First Chicago Insurance are generally poor. Many patrons complain of lousy service and claims issues, while others disparage the company’s coverage. However, not all reviews are bad. Several customers individually name their agents and praise the care they received. 

Overall, you might be put off by First Chicago’s reviews. However, if you can look past the customer complaints, the company might still be an excellent choice. With various coverage options, First Chicago provides several practical ways to protect your assets.

Before you make a final decision, do lots of research. The best way to find the right plan for you and your family is to compare multiple companies and their products.