Cheap Auto Insurance Quotes in Elgin, IL (2021)

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Car Insurance in Elgin, IL

The average cost of Illinois car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Elgin, IL to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$98
$100
$115
$119
$166
State FarmNationwideTravelersProgressiveLiberty Mutual
Monthly $

Cheapest Car Insurance in Elgin, IL

Here are the cheapest carriers in Elgin for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$135
$139
$120
$111
$159
$145
IllinoisChicagoAuroraRockfordJolietElgin
Monthly $

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.”

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

nissan
Nissan Sentra
Most Popular Car in
Elgin, IL
suspended licenses
#24
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 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 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 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 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 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%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.