Cheapest Auto Insurance in Elgin, Illinois (2024)
Auto-Owners offers the cheapest car insurance in Elgin, with minimum-coverage policies as low as $29 per month.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
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.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 20, 2024
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Table of contents
The average monthly cost of car insurance in Elgin, Illinois, is $122. Drivers in Elgin pay about the same as the state average car insurance rate, which is $128 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]
Elgin drivers can find the best insurance for their needs by comparing car insurance quotes from multiple companies.
Quick Facts
The average cost of car insurance in Elgin is $83 for liability only and $160 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 $137 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. ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $98 | $53 | Military community |
| Mile Auto | 7.5 | $72 | $46 | Low-mileage drivers |
| GEICO | 9.0 | $80 | $43 | Discounts |
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 28,000 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.
Best insurer for military community: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 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. | $51/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. | $94/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
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 (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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
Few extra coverage options available
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| 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. | 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. | $44/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 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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.
Pros
More affordable option for infrequent drivers
Easy to get a quote online
Cons
No other available discounts
Not many optional coverages available
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| 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. | 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. | $41/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. | $77/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
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 (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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:
Bundle your policies. Most insurers offer a discount to customers who bundle car insurance with another insurance product, like homeowners insurance or renters insurance.
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
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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 $29 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $29 |
| State Farm | $31 |
| GEICO | $41 |
| COUNTRY Financial | $43 |
| Progressive | $43 |
| Mile Auto | $44 |
| Erie | $47 |
| USAA | $51 |
| American Family | $54 |
| Mercury | $59 |
| Direct Auto | $63 |
| Nationwide | $64 |
| Clearcover | $68 |
| Travelers | $69 |
| Farmers | $73 |
| National General | $75 |
| Allstate | $77 |
| Safeco | $79 |
| GAINSCO | $90 |
| Elephant | $92 |
| Dairyland | $93 |
| The General | $93 |
| Bristol West | $95 |
| State Auto | $96 |
| Liberty Mutual | $132 |
| Foremost | $134 |
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 $160 a month in Elgin. Still, drivers in Elgin can find cheap full-coverage rates from Auto-Owners for $53 per month.
These companies have the cheapest full-coverage insurance in Elgin:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $53 |
| State Farm | $58 |
| Mile Auto | $69 |
| GEICO | $77 |
| COUNTRY Financial | $81 |
| Erie | $89 |
| USAA | $94 |
| American Family | $101 |
| Clearcover | $107 |
| Mercury | $112 |
| Progressive | $114 |
| Nationwide | $119 |
| Safeco | $127 |
| Travelers | $129 |
| Direct Auto | $137 |
| Farmers | $137 |
| Allstate | $144 |
| National General | $162 |
| Elephant | $165 |
| State Auto | $181 |
| GAINSCO | $227 |
| Dairyland | $233 |
| The General | $235 |
| Bristol West | $238 |
| Liberty Mutual | $247 |
| Foremost | $316 |
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 $32/mo for liability only and $45/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 November 20, 2024
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 November 20, 2024. 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 November 20, 2024
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 November 20, 2024. 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 insurance helps pay the difference between the car’s value and what you still owe.
Roadside assistance
Roadside assistance covers 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 $37 for drivers with an incident
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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 $170 a month after a speeding ticket. Drivers can still find cheap liability rates from Auto-Owners for $38 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $69 | $38 |
| State Farm | $74 | $40 |
| Mile Auto | $90 | $57 |
| GEICO | $100 | $53 |
| COUNTRY Financial | $108 | $58 |
| Erie | $118 | $63 |
| USAA | $122 | $66 |
| American Family | $131 | $70 |
| Clearcover | $140 | $89 |
| Progressive | $147 | $55 |
| Mercury | $156 | $82 |
| Nationwide | $156 | $84 |
| Safeco | $167 | $104 |
| Travelers | $169 | $90 |
| Farmers | $177 | $94 |
| Direct Auto | $178 | $82 |
| Allstate | $187 | $100 |
| National General | $211 | $98 |
| Elephant | $230 | $128 |
| State Auto | $253 | $134 |
| Dairyland | $302 | $121 |
| The General | $310 | $123 |
| Bristol West | $311 | $124 |
| GAINSCO | $317 | $126 |
| Liberty Mutual | $345 | $184 |
| Foremost | $441 | $187 |
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 $127 per month for liability-only coverage, and $245 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $75 | $41 |
| State Farm | $81 | $43 |
| Mile Auto | $99 | $63 |
| GEICO | $108 | $58 |
| COUNTRY Financial | $118 | $63 |
| Erie | $128 | $67 |
| USAA | $132 | $72 |
| American Family | $142 | $76 |
| Clearcover | $161 | $102 |
| Progressive | $161 | $61 |
| Mercury | $168 | $88 |
| Nationwide | $168 | $91 |
| Safeco | $177 | $110 |
| Travelers | $182 | $97 |
| Farmers | $192 | $102 |
| Direct Auto | $196 | $90 |
| Allstate | $202 | $108 |
| Elephant | $227 | $126 |
| National General | $227 | $105 |
| State Auto | $275 | $146 |
| GAINSCO | $305 | $121 |
| Dairyland | $324 | $129 |
| Bristol West | $333 | $133 |
| The General | $335 | $133 |
| Liberty Mutual | $368 | $197 |
| Foremost | $471 | $200 |
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 $211 for car insurance. Auto-Owners offers the cheapest liability insurance for drivers with a DUI at $49 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $90 | $49 |
| State Farm | $98 | $52 |
| Mile Auto | $117 | $74 |
| GEICO | $130 | $69 |
| COUNTRY Financial | $137 | $73 |
| Erie | $150 | $79 |
| USAA | $159 | $86 |
| American Family | $171 | $91 |
| Mercury | $175 | $92 |
| Clearcover | $181 | $115 |
| Progressive | $193 | $73 |
| Safeco | $200 | $124 |
| Nationwide | $201 | $108 |
| Travelers | $218 | $117 |
| Direct Auto | $232 | $107 |
| Farmers | $232 | $123 |
| Allstate | $243 | $130 |
| National General | $274 | $127 |
| Elephant | $279 | $156 |
| State Auto | $306 | $162 |
| GAINSCO | $384 | $152 |
| Dairyland | $394 | $157 |
| The General | $397 | $157 |
| Bristol West | $402 | $161 |
| Liberty Mutual | $418 | $223 |
| Foremost | $534 | $227 |
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 $119 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $22 | $40 |
| State Farm | $23 | $43 |
| Progressive | $29 | $78 |
| GEICO | $31 | $58 |
| Mile Auto | $31 | $49 |
| COUNTRY Financial | $33 | $62 |
| Erie | $34 | $64 |
| USAA | $39 | $71 |
| American Family | $40 | $75 |
| Mercury | $44 | $84 |
| Nationwide | $45 | $84 |
| Direct Auto | $46 | $101 |
| Travelers | $51 | $95 |
| Farmers | $54 | $101 |
| National General | $54 | $117 |
| Clearcover | $56 | $88 |
| Allstate | $59 | $109 |
| Safeco | $64 | $103 |
| State Auto | $68 | $128 |
| Dairyland | $70 | $176 |
| Elephant | $71 | $128 |
| The General | $71 | $181 |
| Bristol West | $72 | $181 |
| GAINSCO | $72 | $181 |
| Foremost | $101 | $239 |
| Liberty Mutual | $105 | $197 |
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 $227 a month for car insurance in the city. However, teen drivers can still find cheap coverage from Auto-Owners for $51 per month.
You can see which car insurance companies in Elgin have the lowest average rates for teen drivers in the table below:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $51 | $93 |
| State Farm | $56 | $104 |
| COUNTRY Financial | $65 | $123 |
| GEICO | $69 | $129 |
| Progressive | $79 | $209 |
| Erie | $83 | $156 |
| Mile Auto | $89 | $139 |
| USAA | $90 | $165 |
| American Family | $98 | $183 |
| Mercury | $109 | $207 |
| Nationwide | $117 | $217 |
| Direct Auto | $120 | $262 |
| Travelers | $130 | $244 |
| Clearcover | $131 | $205 |
| Farmers | $134 | $251 |
| Allstate | $143 | $268 |
| National General | $154 | $332 |
| The General | $155 | $392 |
| Dairyland | $157 | $394 |
| Elephant | $157 | $281 |
| Safeco | $159 | $255 |
| GAINSCO | $163 | $410 |
| Bristol West | $168 | $420 |
| State Auto | $178 | $336 |
| Liberty Mutual | $237 | $444 |
| Foremost | $249 | $587 |
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.
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Rates start at $83 per month for liability coverage
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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 history as 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
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 $122 per month, which is much cheaper than the U.S. national average rate of $154 per month. Elgin also has cheaper car insurance than the Illinois average of $128 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.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Aurora | $76 | $157 |
| Berwyn | $85 | $187 |
| Chicago | $96 | $227 |
| Cicero | $85 | $195 |
| Decatur | $70 | $141 |
| Joliet | $80 | $179 |
| Naperville | $76 | $153 |
| Peoria | $78 | $167 |
| Rockford | $72 | $158 |
| Springfield | $80 | $179 |
| Waukegan | $78 | $152 |
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 $160 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 $29 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 $128 a month, and in Iowa, it’s $94 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
- 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.
Related articles
More cities in Illinois
Sources
- Elgin Police Department. "2022 Annual Report."
- Illinois Secretary of State. "Mandatory Vehicle Insurance."
- III. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Older Driver Safety."
- Centers for Disease Control. "Teen Drivers and Passengers: Get the Facts."
- Illinois Department of Insurance. "Credit - How Insurers Use It."
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Elizabeth Rivelli
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.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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