5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
Save up to $1,025† by comparing quotes from the top 100+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Cheapest recent rates near Elgin, Illinois
Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $57/mo for full coverage in Elgin and other Illinois cities.
*Quotes generated for Insurify users in and around Elgin, Illinois within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Elgin, Illinois within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average monthly cost of car insurance in Elgin, Illinois, is $119. Drivers in Elgin pay about the same as the state average car insurance rate, which is $126 per month.
Elgin is a city with a population of about 113,000 people. The number of accidents in Elgin decreased between 2021 and 2022, according to the Elgin Police Department annual report, which could contribute to the lower cost of insurance in the city.[1]
The average cost of car insurance in Elgin is $83 for liability only and $154 for full coverage.
Elgin drivers are required to carry at least 25/50/20 in personal liability insurance.[2]
Auto insurance companies in Elgin can use your credit history when setting rates. Drivers with poor credit history pay an average of $134 a month for car insurance.
Cheapest car insurance companies in Elgin
Average car insurance rates in Elgin are more generally affordable than the statewide average. However, some car insurance companies have cheaper rates than others. Additionally, the best and cheapest auto insurance company will depend on your individual situation and coverage needs.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$96/mo
4.9
Best choiceBased on 1,675 verified guest reviews and ratings
▲
USAA's score
▲▼
Industry average
▲▼
Coverage options
4.9
3.2
Customer service
4.6
3.6
Discounts
4.9
2.9
Policy transparency
4.9
3.1
Value
4.9
2.9
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (961)
William
January 18, 2025
Verified Review
Trouble Remembering PIN with USAA
USAA is great, but I do have trouble remembering my PIN number. That's a problem.
William
January 13, 2025
Verified Review
I love USAA
I love USAA. However, I don't know my PIN, and that has caused me some inconvenience.
Thomas
January 13, 2025
Verified Review
Too Personal
They penalize me for using my phone as a passenger in someone else's car. Even though I have a Bluetooth hands-free phone, they still want to deduct points. I guess next they'll penalize me if I talk to my wife while I'm driving.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA offers car insurance for active-duty and retired military servicemembers and their families, which makes it an excellent option for Elgin drivers who work at nearby bases in Aurora and Arlington Heights. USAA also offers a variety of discounts that can help you save money on your policy. It has savings for safe drivers, policy bundling, insuring a newer vehicle, and many others.
Pros
Excellent J.D. Power customer satisfaction rating
Good selection of available discounts
Cons
Coverage only available to military members and families
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$69/mo
4.2
Best choiceBased on 68 verified guest reviews and ratings
▲
Mile Auto's score
▲▼
Industry average
▲▼
Coverage options
3.9
3.2
Customer service
3.7
3.6
Discounts
4
2.9
Policy transparency
3.8
3.1
Value
4
2.9
Reviews (36)
Richard
January 13, 2025
Verified Purchase
Loose Time Frames
They give you two days to submit a picture of your mileage, and then they threaten to charge you for 40 miles a day.
James
January 13, 2025
Verified Purchase
So far, so good. It's better than paying six or seven hundred a month. I'll let others know. Thanks.
So far, so good. It's better than paying six or seven hundred a month. I'll let others know. Thanks.
Matthew
January 9, 2025
Verified Purchase
Great Cheap Auto Insurance!
Give them a try if you are a new driver and drive an old car that will get totaled in any accident due to the repair costs exceeding the fair market value of your car.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Elgin residents who don’t drive frequently might benefit from a Mile Auto car insurance policy. Mile Auto offers pay-per-mile insurance, so your premium is based on the distance you drive each month. If you drive infrequently, this type of insurance could help you save money. Mile Auto claims that drivers can save up to 40% when they switch from a regular car insurance policy.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$79/mo
4.0
Best choiceBased on 10,621 verified guest reviews and ratings
▲
GEICO's score
▲▼
Industry average
▲▼
Coverage options
4
3.2
Customer service
3.9
3.6
Discounts
3.8
2.9
Policy transparency
3.9
3.1
Value
3.8
2.9
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,845)
Zenell
January 17, 2025
Verified Review
Overpriced for Certain Car Brands
If you own a Kia or Hyundai car, be prepared to pay a hefty amount. Despite having no tickets or accidents, the pricing is still unreasonable. Insurance companies should reconsider their pricing strategies.
Margie
January 17, 2025
Verified Review
Almost Chose Another Insurance, but Stayed with GEICO
They are very reliable.
Jerome
January 16, 2025
Verified Review
Poor Service
I had a car accident several years ago and I was not at fault. The other driver was issued a citation for the accident. My deductible was $500.00, but my agent only managed to get me back $400.00. When I asked why, she couldn't explain. I requested to speak to her supervisor who wasn't available at the time. I was told I would receive a call back, but I never heard back from them.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO is one of the largest car insurance companies in the country and offers plenty of ways for drivers to save on their premiums. Its long history in the industry cements it as a solid option for drivers, especially those who want as many opportunities to reduce their premiums as possible. Plus, it has a highly rated mobile app that makes it easy to view policies and file claims.
Pros
Above-average J.D. Power rating
Highly rated mobile app
Cons
Gap insurance not available
Rideshare insurance not available
How to get the cheapest car insurance in Elgin
Car insurance premiums are based on a variety of individual and policy-related factors, like your age, credit score, claim history, vehicle type, ZIP code, deductible, and coverage limits.[3]
However, drivers in Elgin can get more affordable car insurance in various ways. Here are a few tips for getting cheap car insurance in Elgin:
Choose high deductibles. Selecting higher deductibles for policies like collision insurance or comprehensive insurance will reduce your monthly premiums.
Pay in full. Paying your annual car insurance premium up front and in full can usually help you save some money on your annual rate.
Shop around. It’s a good idea to shop around and get quotes from multiple Illinois auto insurance companies. Comparing rates will help you find the best deal for your unique situation and coverage needs.
Find Cheap Car Insurance in Elgin, Illinois
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Elgin: Auto-Owners
All vehicle owners in Elgin must carry liability-only insurance. Also known as state-minimum coverage, liability-only insurance covers your legal and financial responsibilities when you cause an accident that results in bodily injuries or property damage to another person. This policy provides no coverage for your losses.
The cheapest insurer for liability-only car insurance in Elgin is Auto-Owners, with an average cost of $30 per month.
You can see which car insurance companies in Elgin have the cheapest liability-only insurance policies in the table below.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$30
State Farm
$32
Progressive
$36
GEICO
$43
Mile Auto
$43
COUNTRY Financial
$45
Erie
$49
USAA
$53
American Family
$57
Direct Auto
$60
Mercury
$62
Clearcover
$66
Nationwide
$67
Travelers
$72
Farmers
$77
National General
$79
Allstate
$80
Safeco
$86
GAINSCO
$90
The General
$90
Bristol West
$94
Elephant
$94
Dairyland
$95
State Auto
$101
Foremost
$132
Liberty Mutual
$141
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Elgin: Auto-Owners
Full-coverage car insurance provides more protection for you and your vehicle than liability-only insurance. It’s optional for most drivers, but your lender or lessor may require it if you finance or lease your vehicle.
A standard full-coverage policy includes collision insurance, which pays for your vehicle’s repairs after an at-fault crash. It also includes comprehensive insurance, which covers non-collision damages, such as theft, hail damage, fires, and floods.
Full-coverage insurance offers more peace of mind, but the rates are higher than minimum coverage, at an average of $154 a month in Elgin. Still, drivers in Elgin can find cheap full-coverage rates from Auto-Owners for $55 per month.
These companies have the cheapest full-coverage insurance in Elgin:
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$55
State Farm
$60
Mile Auto
$69
GEICO
$79
COUNTRY Financial
$83
Erie
$91
USAA
$96
Clearcover
$103
American Family
$104
Progressive
$113
Mercury
$114
Nationwide
$123
Direct Auto
$126
Travelers
$132
Farmers
$141
Safeco
$143
Allstate
$148
Elephant
$163
National General
$168
State Auto
$185
The General
$213
GAINSCO
$229
Dairyland
$233
Bristol West
$234
Liberty Mutual
$256
Foremost
$319
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Elgin, Illinois
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $57/mo for full coverage in Elgin and other Illinois cities.
*Quotes generated for Insurify users in and around Elgin, Illinois within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Elgin, Illinois within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Illinois
Car insurance is a legal requirement for all vehicle owners in Elgin. The minimum coverage requirements are represented at 25/50/20. Additionally, Illinois is a tort state. In the event of an accident, the at-fault driver must compensate the other person for their losses if the at-fault driver is more than 50% responsible for the accident.
Here are Illinois’ minimum insurance requirements:[2]
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$25,000 per person / $50,000 per accident
Uninsured motorist bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$20,000 per accident
In addition to the mandatory car insurance coverage, Illinois drivers can often benefit from adding optional policies. Some of the most common endorsements include:
Gap insurance
If you lease or finance your vehicle and your insurer totals it after a claim,gap insurancehelps pay the difference between the car’s value and what you still owe.
Roadside assistance
Roadside assistancecovers basic roadside repairs, like a flat tire, fuel delivery, lockouts, and towing up to a certain distance.
Accident forgiveness
Accident forgiveness waives your first accident so it doesn’t raise your car insurance rate.
Cheapest car insurance for drivers with an incident
Drivers with incidents on their record, such as speeding tickets or at-fault accidents, usually pay higher rates for car insurance than people with a clean record.
The actual rate increase will vary depending on several factors, but more serious violations tend to have a greater influence on your rate. For example, driving under the influence will likely result in a more significant rate hike than a speeding ticket.
Shop for Car Insurance in Elgin, IL
Rates start as low as $38 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Getting a speeding ticket may not seem like a major traffic violation, but a speeding ticket can affect your car insurance premium. Elgin reported 121 speeding ticket citations in 2022, and getting a speeding ticket will likely increase your car insurance premiums.[1]
In Elgin, car insurance costs an overall average of $164 a month after a speeding ticket. Drivers can still find cheap liability rates from Auto-Owners for $39 per month.
These companies have the cheapest car insurance in Elgin for drivers with a speeding ticket.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote: Full Coverage
▲▼
Average Monthly Quote: Liability Only
▲▼
Auto-Owners
$72
$39
State Farm
$77
$41
Mile Auto
$89
$55
GEICO
$102
$55
COUNTRY Financial
$110
$60
Erie
$121
$65
USAA
$124
$68
Clearcover
$133
$85
American Family
$135
$74
Progressive
$145
$46
Mercury
$157
$86
Nationwide
$160
$87
Direct Auto
$163
$78
Travelers
$172
$94
Farmers
$181
$99
Safeco
$187
$113
Allstate
$191
$103
Elephant
$203
$117
National General
$217
$102
State Auto
$256
$140
The General
$282
$119
Dairyland
$300
$122
Bristol West
$304
$122
GAINSCO
$317
$124
Liberty Mutual
$354
$195
Foremost
$441
$183
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
If you cause an accident, you can expect your car insurance company to raise your premium. Drivers who get into one accident are more likely to cause more accidents in the future. Because drivers with a history of accidents are riskier to insure, they often pay higher rates for Elgin auto insurance.
In Elgin, drivers with at-fault accidents pay an average of $126 per month for liability-only coverage, and $234 for full coverage. You can see which car insurance companies in Elgin have the lowest rates for drivers with an at-fault accident in the table below.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote: Full Coverage
▲▼
Average Monthly Quote: Liability Only
▲▼
Auto-Owners
$77
$42
State Farm
$83
$44
Mile Auto
$98
$61
GEICO
$111
$60
COUNTRY Financial
$121
$66
Erie
$131
$70
USAA
$134
$74
American Family
$146
$80
Clearcover
$155
$99
Progressive
$160
$51
Mercury
$171
$93
Nationwide
$173
$94
Direct Auto
$180
$86
Travelers
$186
$101
Farmers
$197
$107
Safeco
$200
$120
Allstate
$207
$112
Elephant
$224
$129
National General
$234
$110
State Auto
$277
$151
The General
$305
$129
GAINSCO
$307
$121
Dairyland
$323
$132
Bristol West
$327
$132
Liberty Mutual
$380
$209
Foremost
$473
$196
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
A DUI conviction is one of the most serious traffic violations you can have on your record. If you are convicted of driving under the influence, your car insurance rate will almost certainly increase. Depending on your insurer and the circumstances of the incident, your premium could increase significantly.
Elgin drivers with a DUI pay an overall average of $205 for car insurance. Auto-Owners offers the cheapest liability insurance for drivers with a DUI at $50 per month.
While drivers with a DUI generally pay high insurance rates, some companies offer lower rates than others. These companies have the cheapest rates for Elgin drivers with a DUI.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote: Full Coverage
▲▼
Average Monthly Quote: Liability Only
▲▼
Auto-Owners
$93
$50
State Farm
$101
$54
Mile Auto
$116
$72
GEICO
$133
$72
COUNTRY Financial
$140
$76
Erie
$153
$82
USAA
$162
$89
Clearcover
$173
$111
American Family
$175
$96
Mercury
$180
$98
Progressive
$190
$61
Nationwide
$207
$113
Direct Auto
$212
$101
Travelers
$222
$121
Safeco
$226
$136
Farmers
$237
$130
Allstate
$249
$135
Elephant
$274
$158
National General
$283
$133
State Auto
$311
$170
The General
$359
$151
GAINSCO
$385
$151
Dairyland
$392
$160
Bristol West
$394
$158
Liberty Mutual
$431
$237
Foremost
$537
$222
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Senior drivers often pay higher car insurance prices than middle-aged drivers. Car insurance rates tend to decrease around age 35 but increase again around 70. This is because older adult drivers are more likely to sustain injuries in an accident and have higher fatal accident rates than younger adults.[4]
Car insurance for seniors costs $62 per month for liability coverage and $114 for a full-coverage policy, on average.
These car insurance companies have the cheapest rates for seniors in Elgin:
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Auto-Owners
$22
$41
State Farm
$23
$44
Progressive
$24
$77
Mile Auto
$31
$49
GEICO
$32
$60
COUNTRY Financial
$35
$64
Erie
$36
$66
USAA
$40
$73
American Family
$42
$77
Direct Auto
$44
$92
Mercury
$47
$86
Nationwide
$47
$87
Travelers
$53
$98
Clearcover
$55
$85
Farmers
$57
$104
National General
$57
$121
Allstate
$61
$112
The General
$69
$162
Safeco
$70
$117
Bristol West
$71
$178
GAINSCO
$71
$182
Dairyland
$72
$176
Elephant
$72
$124
State Auto
$72
$132
Foremost
$100
$242
Liberty Mutual
$112
$203
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teen drivers typically pay the most expensive car insurance rates of any age group. Data shows that drivers between the ages of 16 and 19 have a higher accident rate than other age demographics and are more likely to make driving errors that lead to serious collisions.[5]
However, teen drivers can lower their car insurance premiums in a few ways. For example, many insurers offer discounts to high school students who get good grades or drivers who insure a vehicle with advanced safety features. Teens can also get cheaper car insurance by staying on their parents’ policy.
Teen drivers in Elgin pay an overall average of $224 a month for car insurance in the city. However, teen drivers can still find cheap coverage from Auto-Owners for $53 per month.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Auto-Owners
$53
$97
State Farm
$59
$110
Progressive
$66
$209
COUNTRY Financial
$69
$127
GEICO
$74
$135
Erie
$87
$162
Mile Auto
$88
$141
USAA
$95
$171
American Family
$104
$190
Mercury
$115
$211
Direct Auto
$116
$243
Clearcover
$125
$195
Nationwide
$125
$229
Travelers
$138
$253
Farmers
$143
$261
Allstate
$152
$281
The General
$152
$359
Dairyland
$161
$395
Elephant
$162
$282
GAINSCO
$163
$416
National General
$163
$348
Bristol West
$167
$417
Safeco
$171
$285
State Auto
$190
$348
Foremost
$248
$600
Liberty Mutual
$254
$461
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Elgin
Rates start at $83 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Elgin car insurance quotes by credit tier
Most states, Illinois included, allow car insurance companies to use drivers’ credit history to determine premiums.[6] Insurers view people with excellent or good credit historyas having a lower risk of filing a claim, while people with poor credit history have a higher risk.
Here’s how your credit score can affect your premiums in Elgin, Illinois.
Rates by Credit Tier
Category
▲▼
Price
▲▼
Excellent
99
Good
116
Fair
128
Poor
198
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Elgin?
The overall average car insurance premium in Elgin is $119 per month, which is much cheaper than the U.S. national average rate of $152 per month. Elgin also has cheaper car insurance than the Illinois average of $126 per month.
Elgin has more affordable car insurance than other places for several reasons. For example, accident rates in the city have been trending down over the last few years. The number of traffic stops in Elgin has also decreased. Areas with safe drivers often have lower average car insurance premiums.[1]
More cities in Illinois
Elgin has cheaper car insurance rates than most other major ZIP codes in Illinois. Here’s how it compares to other cities in the state.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Elgin car insurance FAQs
How much is car insurance in Elgin?
The average cost of car insurance in Elgin is $83 for liability only and $154 for full coverage.
Which company has the cheapest car insurance in Elgin?
Auto-Owners is the cheapest insurance company in Elgin, with an average cost of $30 a month for liability-only coverage. The best way to find the cheapest insurance for you is to compare quotes and look for companies that offer discounts you qualify for.
What are the best car insurance companies in Elgin?
Some of the best car insurance companies in Elgin include GEICO and USAA. These insurers have solid J.D. Power customer satisfaction ratings, great Insurify Quality (IQ) Scores, and strong AM Best ratings.
Is car insurance cheaper in Iowa or Illinois?
Car insurance in Iowa and Illinois are about the same. The average cost of car insurance in Illinois is $126 a month, and in Iowa, it’s $90 a month.
How much car insurance do you need in Illinois?
Illinois requires 25/50/20 car insurance limits. This translates to $25,000 per person and $50,000 per accident for bodily injury liability coverage, as well as uninsured motorist bodily injury coverage. Then, drivers must have $20,000 in property damage liability coverage.[2]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
)
)
){kind=small}
){kind=logo}
){kind=small}
)
)
){kind=small}
){kind=small}
)
)
)
)
)
)
)