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Cheap Auto Insurance Quotes in Elgin, IL (January 2022)

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Last Updated: January 2022
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Car Insurance in Elgin, IL

Elgin drivers are required by Illinois law to have car insurance. The average cost of Illinois car insurance is $180 per month, and while that is significantly less than the national average, Illinois drivers can get cheaper car insurance if they know where to look. Compare free quotes with Insurify and find the cheapest car insurance today. It only takes five minutes!

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Cheapest Car Insurance in Elgin, IL

Different car insurance providers are able to offer cheaper insurance than others. That’s because every insurance company weighs information like your age and your driving record a bit differently. The following are the cheapest carriers in Elgin on average but it’s always important to shop around so you can find your best rates.

Best Car Insurance in Elgin, IL

While affordable car insurance is definitely a priority, finding a quality insurance company is also important. We analyzed factors that reflect quality, reliability, and health of an insurance company to calculate its Insurify Composite Score and rank car insurance providers, and the following are the best Illinois auto insurance companies.

Average Car Insurance Cost

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Click here to learn about car insurance quotes and save on your current policy.

Elgin, IL Driving Facts

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Minimum Car Insurance Requirements in IL

Illinois drivers must keep a copy of their insurance card in their vehicle at all times.

If you’re pulled over and you cannot provide proof of insurance, you will be required to provide that proof in court. And you’ll face a $100 fine.There are several important insurance requirements for minimum coverage for Illinois drivers:

  • Bodily injury coverage per person / per accident: $25,000 / %50,000
  • Property damage liability coverage:  $20,000
  • Uninsured motorist bodily injury: $20,000/$40,000
  • Uninsured motorist property damage: $15,000 with $250 deductible
  • Underinsured motorist coverage: $25,000/$50,000

Liabiltiy insurance coverage is non-negotable. You can, however, reject uninsured motorist coverage if you want to. You’ll need to do so in writing. Of course, we don’t recommend doing so, especially because an estimated 13.7% of Illinois drivers are uninsured. 

Other optional coverages for your auto policy include, of course, comprehensive and collision. Comprehenisve coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision. Collision coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”

Elgin Car Insurance Rates by Driver Age

Your age is another factor that will impact how much you pay for car insurance. Young drivers, who are inexperienced behind the wheel and more likely to get into car accidents, will pay the most for auto insurance coverage while older drivers in their 50s and 60s tend to see the lowest monthly costs.

Elgin Car Insurance Rates by Driving and Accident History

Your driving record will significantly affect your insurance premiums because drivers with infractions like tickets, accidents, and DUIs on their records are seen as a higher risk to insure. Drivers with a clean record will see the lowest auto insurance rates while drivers with infractions will usually pay more. Here’s what you can expect to pay based on your driving record in Elgin.

Elgin Car Insurance Rates by Credit Tier

Driver’s with bad credit will almost always pay more for car insurance than drivers with good or excellent credit. That’s because drivers with poor credit history historically account for a higher percentage of paid claims. Here’s what you can expect to pay in Elgin, Illinois based on your credit tier.

Elgin DMV Information

Elgin is home to one Secretary of State Driver's License Facility for all driver’s license related needs. The office is open from 7:30 a.m. to 5:00 p.m. Tuesday through Friday, and from 7:30 a.m. to 2:00 p.m on Saturday. Although appointments are not required, wait times can be lengthy so drivers should plan to arrive early or schedule an appointment to save time. 

The Secretary of State Driver's License Facility is located at:

595 S State St
Elgin, IL 60123

Public Transportation in Elgin

Elgin has plenty of public transportation options for residents who don’t want to drive. The Metra Rail has three separate stations in Elgin, making it easy to commute to Chicago, while the PACE bus operates in the city and in nearby counties. The Senior Service Associates also offer transportation for Elgin’s senior citizens to help them get around the community. 

If you don’t own a motor vehicle but still want the comforts and convenience of a car, Uber and Lyft are available in Elgin, Illinois as a form of transportation. 

How to Get the Cheapest Car Insurance in Elgin

The easiest way to find the best and cheapest car insurance in Elgin, Illinois is to compare quotes using Insurify. Instead of calling multiple insurance agencies and spending hours on hold with an insurance agent, you can see multiple quotes side-by-side and all in one place. 

You’ll just need to answer a few questions about your vehicle and driving history to get started. We’ll even factor in some of the discounts you may qualify for, like a homeowners discount. You can also use Insurify to shop for home insurance and life insurance. It’s completely free to use and takes less than five minutes!

Find local Elgin agents

ADH Insurance Agency, Inc.
707A Davis Rd #101, Elgin, IL 60123
Kirkpatrick, Jones & Herzog Ins. Agcy., Inc.
19 S Spring St, Elgin, IL 60120
RTS Agency Inc. d/b/a Ramos Insurance
308 Dundee Avenue, Elgin, IL 60120-4238
Turk Financial Services, Inc
37W181 Olwin Avenue, Elgin, IL 60124
Mitchell Agcy Inc
693 Dundee Ave, Elgin, IL 60120-3820
Crum Halsted Agency, Inc.
2000 Larkin Ave, Elgin, IL 60123-4404
C. V. Gordon Insurance Agency Inc.
680 E Chicago St, Elgin, IL 60120-6102
Lundstrom Insurance
2205 Point Blvd Ste 200, Elgin, IL 60123
Valentine Insurance Agency
1331 Dundee Ave, Elgin, IL 60120
Illinois Vehicle Auto Insurance
1073 N Liberty St, Elgin, IL 60120

Insurify Insights: How Elgin Drivers Measure Up

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Nissan Sentra
Most Popular Car in
Elgin, IL
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#26
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Elgin drivers measure up to their fellow Illinois motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Elgin

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Elgin drivers rank 7 in the number of car accidents per driver across all cities in Illinois.

  • Rank within state: #7
  • Percent of drivers in Elgin with an accident: 10.34%
  • Drivers in Elgin, IL with an accident in their driving history paid on average 23.9% more than drivers with a clean record

Speeding in Elgin

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Illinois, Elgin drivers rank 16 in the number of speeding infractions per driver.

  • Rank within state: #16
  • Percent of drivers in Elgin with a speeding ticket: 9.49%
  • Drivers in Elgin, IL with a speeding ticket in their driving history paid on average 31.45% more than drivers with a clean record

DUI/DWIs in Elgin

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Elgin drivers rank 15 in the number of DUI’s per driver across all cities in Illinois.

  • Rank within state: #15
  • Percent of drivers in Elgin with a DUI: 1.27%
  • Drivers in Elgin, IL with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Elgin

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Elgin is the Nissan Sentra.

Hybrid/Electric Vehicle Ownership in Elgin

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Elgin drivers rank 11 in hybrid and electric vehicle ownership across all cities in Illinois.

  • Rank within state: #11
  • Percent of drivers in Elgin with a hybrid/electric vehicle: 1.32%

FAQs - Elgin, IL Car Insurance

How do I find cheap car insurance in Elgin, IL?

The best way to find cheap car insurance in Elgin, Illinois is to compare quotes with Insurify. We’ll provide you with quotes from national providers like Allstate and State Farm as well as quotes from local agencies so you can find the cheapest policy available and save money on your car insurance.

How much does car insurance cost in Elgin, IL?

The average cost of Elgin auto insurance is $145 per month, but no two drivers are the same and rates will differ based on your driving history, your age, and your credit score. To find the cheapest car insurance personalized for you, it’s always a good idea to shop around and compare quotes. The best insurance company might be one you’ve never even heard of!

What drives up car insurance rates in Elgin, IL?

Car insurance costs in Elgin, Illinois are significantly lower than the national average, but factors in your driving record such as a DUI or speeding ticket can drive up your premiums. Your costs will also vary based on the type of car insurance policy you buy. For example, a full-coverage policy with roadside assistance will be more expensive than a liability only policy.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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