120+ more*Quotes generated for Insurify users in and around Elgin, Illinois within the last 10 days. Last updated on September 14, 2026. 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 September 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Drivers in Elgin pay an average monthly rate of $83 for state-minimum car insurance and $150 for full coverage. That’s significantly less than in nearby Chicago but similar to average costs in Schaumburg.
Elgin’s traffic and congestion, especially on Randall Road and U.S. 20, could contribute to its higher car insurance rates compared to those in smaller Illinois cities.
At $117 per month, Elgin’s average auto insurance rates are comparable to the state monthly average of $123. Auto-Owners has the city’s lowest average liability insurance rates, at $39 per month.
Illinois car insurance requirements include at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, and $20,000 in property damage liability coverage. You also need at least $25,000 per person and $50,000 per accident in uninsured motorist (UM) bodily injury coverage.[1]
The following table shows the cheapest rates for liability-only car insurance in Elgin.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $39 |
| State Farm | $43 |
| Certainly | $53 |
| Progressive | $56 |
| Country Financial | $59 |
| Direct Auto | $60 |
| The General | $61 |
| GEICO | $62 |
| Erie | $65 |
| First Chicago | $65 |
| USAA | $69 |
| American Family | $73 |
| GAINSCO | $73 |
| Mercury | $73 |
| Safeco | $73 |
| Bristol West | $75 |
| National General | $76 |
| Freedom National | $84 |
| Elephant | $87 |
| Clearcover | $89 |
| Dairyland | $90 |
| First Acceptance | $91 |
| Insurify Car | $91 |
| Travelers | $94 |
| Farmers | $101 |
| Root | $102 |
| Liberty Mutual | $103 |
| Allstate | $105 |
| Mendota | $105 |
| Hugo | $108 |
| State Auto | $132 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Auto-Owners has the lowest prices for full-coverage car insurance, with an average monthly rate of $72. Elgin has a risk of flooding, especially in low-lying areas and near the Fox River.[2]
A full-coverage policy, which includes comprehensive coverage, pays to repair or replace your vehicle if it sustains flood damage.
The data below highlights insurers with the cheapest rates for full-coverage car insurance in Elgin.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $72 |
| State Farm | $77 |
| Country Financial | $107 |
| Progressive | $107 |
| Safeco | $112 |
| Erie | $118 |
| GEICO | $118 |
| Direct Auto | $122 |
| USAA | $126 |
| Mercury | $127 |
| American Family | $135 |
| Elephant | $150 |
| National General | $151 |
| Certainly | $154 |
| The General | $159 |
| Root | $160 |
| First Chicago | $161 |
| Liberty Mutual | $166 |
| Bristol West | $173 |
| Clearcover | $173 |
| Travelers | $173 |
| Farmers | $184 |
| Freedom National | $184 |
| Allstate | $192 |
| GAINSCO | $192 |
| Mendota | $208 |
| First Acceptance | $221 |
| State Auto | $242 |
| Dairyland | $249 |
Chicago is the most expensive city in Illinois to buy car insurance, while Bloomington is among the cheapest. Elgin’s average rates fall somewhere in the middle compared to other cities in the state, and they’re slightly higher than in nearby Naperville.
Elgin experiences severe winter weather, including prolonged periods of icy roads due to below-freezing temperatures. Weather conditions, along with heavy traffic on busy roads such as U.S. 20 and Randall Road, factor into the city’s insurance costs.
The following table shows average monthly quotes in various Illinois cities.
City | Average Monthly Quote |
|---|---|
| Bloomington | $99 |
| Moline | $104 |
| Decatur | $105 |
| Champaign | $108 |
| Naperville | $110 |
| Wheeling | $112 |
| Rockford | $114 |
| Peoria | $116 |
| Schaumburg | $116 |
| Crest Hill | $117 |
| Aurora | $118 |
| Waukegan | $119 |
| Springfield | $120 |
| Des Plaines | $122 |
| Evanston | $123 |
| Joliet | $123 |
| Berwyn | $130 |
| Skokie | $134 |
| Belleville | $136 |
| Chicago Heights | $153 |
| Cicero | $154 |
| Chicago | $164 |
*Quotes generated for Insurify users in and around Elgin, Illinois within the last 10 days. Last updated on September 14, 2026. 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 September 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
These companies have some of the cheapest liability-only rates in Elgin based on driving record:
Cheapest car insurance for Elgin drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Elgin: Auto-Owners
Cheapest car insurance for Elgin drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Elgin: Auto-Owners
In Elgin, 3% of drivers have a speeding ticket, 4.6% have been in an at-fault accident, and 0.4% have a driving under the influence (DUI) conviction on their record, according to Insurify data.
The Alliance Against Intoxicated Motorists (AAIM) released a survey tracking DUI enforcement across the state. Elgin ranked No. 5 in 2025 with 269 DUI arrests — a 10% increase from the previous year.[3]
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $117 |
| Speeding ticket | $152 |
| At-fault accident | $162 |
| DUI | $172 |
Keep the following details in mind when you’re driving in Elgin:
Risk of flooding: The city has experienced flooding over the years, especially along the Fox River. If you’re traveling in low-lying areas, it’s a good idea to monitor the weather and be aware of the area’s risk of flooding.
Winter weather: Elgin experiences cold winters with heavy snowfall and sleet. These conditions can affect visibility when you’re driving and increase the risk of car accidents.
Snow emergency route: If you live on a street designated as a snow emergency route, the city prohibits parking for 24 hours after two inches or more of snowfall. If you ignore this rule, the city will issue you a ticket and tow your car.
Parking: Downtown Elgin offers plenty of free parking, though you can only park on the street for two hours on weekdays between 8 a.m. and 5 p.m.
As Elgin’s population increases, the Randall Road and U.S. 20 interchange has experienced increasing traffic congestion and backups, according to the Kane County Division of Transportation (KDOT). More than 44,000 vehicles travel on Randall Road each day, while more than 30,450 vehicles travel on U.S. 20 each day.
KDOT anticipates traffic will increase by 40% by 2050. Heavy traffic can increase the risk of car accidents and, in turn, raise auto insurance rates.
While the Randall Road/U.S. 20 interchange overhaul is currently in the planning stages, construction will begin once the city secures funding.[4]
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While monthly liability rates for teen drivers in Elgin average $165, Auto-Owners has the cheapest rates for teen drivers, averaging $82 per month.
Illinois has strict laws against distracted driving and prohibits teens younger than 19 from using a phone while driving — even if it’s hands-free.[5]
See the cheapest rates for Elgin teenage drivers in the table below.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $82 |
| State Farm | $86 |
| Country Financial | $98 |
| Certainly | $105 |
| Progressive | $111 |
| The General | $115 |
| GEICO | $117 |
| Direct Auto | $122 |
| Erie | $124 |
| First Chicago | $129 |
| USAA | $132 |
| GAINSCO | $134 |
| Bristol West | $138 |
| Mercury | $139 |
| American Family | $143 |
| Clearcover | $152 |
| Safeco | $154 |
| National General | $156 |
| Root | $162 |
| Dairyland | $163 |
| Elephant | $165 |
| Freedom National | $167 |
| First Acceptance | $181 |
| Insurify Car | $181 |
| Liberty Mutual | $188 |
| Travelers | $202 |
| Farmers | $209 |
| Allstate | $209 |
| Mendota | $209 |
| Hugo | $215 |
| State Auto | $324 |
Roughly 14% of Elgin residents are 65 and older, according to the U.S. Census Bureau. Liability-only rates for Elgin drivers in their 60s average $69 per month.
The state’s Road Safety & Fairness Act eliminated mandatory driving tests for drivers between the ages of 79 and 86. Instead, senior drivers aged 79 and 80 must renew their license in person every four years, and the state requires a vision test.
Drivers 87 and older must renew their licenses in person, with both a vision and a driving test.[6]
The table below shows the insurers with the cheapest liability-only rates for senior drivers in Elgin.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $30 |
| State Farm | $33 |
| Certainly | $44 |
| Country Financial | $46 |
| Progressive | $46 |
| Direct Auto | $48 |
| GEICO | $48 |
| Erie | $49 |
| The General | $51 |
| First Chicago | $54 |
| USAA | $55 |
| Mercury | $56 |
| American Family | $57 |
| National General | $58 |
| Bristol West | $61 |
| GAINSCO | $61 |
| Safeco | $62 |
| Elephant | $69 |
| Freedom National | $70 |
| Travelers | $74 |
| Dairyland | $75 |
| First Acceptance | $75 |
| Insurify Car | $75 |
| Clearcover | $77 |
| Farmers | $78 |
| Liberty Mutual | $84 |
| Allstate | $87 |
| Mendota | $87 |
| Hugo | $90 |
| Root | $92 |
| State Auto | $97 |
See the answers to frequently asked questions below about finding the best car insurance in Elgin.
Insurance in Elgin averages $83 per month for liability-only coverage and $150 for full coverage. You might be able to lower your premium by comparing free quotes, increasing your deductibles, maintaining a good credit score, and bundling your auto and homeowners insurance.
The best insurer for you depends on your driving record, credit history, age, and coverage needs. If price is your primary focus, Auto-Owners and State Farm have some of the city’s cheapest average rates.
You can find cheap Elgin car insurance by taking advantage of discounts you qualify for. Besides discounts for good students, safe drivers, and low-mileage drivers, many insurance companies offer discounts for bundling your auto insurance with your home insurance, renters insurance, business insurance, or commercial insurance.
Yes. Illinois state law requires all drivers to carry at least $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage. If you purchase higher UM insurance limits, you must also buy underinsured motorist coverage.
Yes. Illinois is an at-fault state, which means the driver who caused the accident is responsible for paying the other driver’s medical bills and any damage. But under the state’s modified comparative negligence law, a driver may only recover damages if they’re less than 50% at fault.[7]
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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