Cheapest Auto Insurance in Elgin, Illinois (2024)

Auto-Owners offers the cheapest car insurance in Elgin, with minimum-coverage policies as low as $25 per month.

Elizabeth Rivelli
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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Courtney Mikulski
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 May 23, 2024

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Cheapest recent rates near Elgin, Illinois

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $47/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 May 23, 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 May 23, 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 May 23, 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $132 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 $80 for liability only and $164 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 $135 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Quote: Full CoverageAverage Quote: Liability OnlyBest for
USAA4.7$80$48Military community
Mile Auto3.7$68$46Low-mileage drivers
GEICO4.4$65$39Discounts
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for military community: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$73/mo

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

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
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
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.
$63/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$36/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.
$60/mo

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

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

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 $25 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners25
State Farm27
GEICO36
Hugo37
COUNTRY Financial38
Erie42
Mile Auto43
USAA44
American Family47
Mercury53
Nationwide56
Travelers60
Safeco61
Direct Auto62
Clearcover63
Farmers65
Allstate67
National General72
Midvale Home & Auto74
Dairyland79
State Auto79
GAINSCO82
Elephant83
The General88
Liberty Mutual94
Bristol West97
Foremost130
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 $164 a month in Elgin. Still, drivers in Elgin can find cheap full-coverage rates from Auto-Owners for $42 per month.

These companies have the cheapest full-coverage insurance in Elgin:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners42
State Farm44
GEICO60
COUNTRY Financial63
Mile Auto63
Erie68
USAA73
Hugo78
American Family79
Mercury86
Safeco87
Travelers100
Clearcover101
Nationwide102
Farmers106
Allstate112
Midvale Home & Auto119
Direct Auto130
National General133
State Auto143
Elephant152
Liberty Mutual156
GAINSCO191
Dairyland217
Bristol West238
The General238
Foremost296
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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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    Roadside assistance covers basic roadside repairs, like a flat tire, fuel delivery, lockouts, and towing up to a certain distance.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    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 $32 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 $179 a month after a speeding ticket. Drivers can still find cheap liability rates from Auto-Owners for $33 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Auto-Owners5533
State Farm5735
GEICO7947
COUNTRY Financial8451
Mile Auto8961
Erie9156
USAA9658
American Family10362
Hugo10851
Safeco11681
Mercury12174
Travelers13279
Clearcover13484
Nationwide13574
Farmers13885
Allstate14788
Midvale Home & Auto161100
Direct Auto17282
State Auto204113
Elephant220120
Liberty Mutual226136
GAINSCO276119
Dairyland287104
Bristol West310126
The General316117
Foremost428188
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 $122 per month for liability-only coverage, and $250 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Auto-Owners5834
State Farm6037
GEICO8350
COUNTRY Financial9054
Mile Auto9565
Erie9659
USAA10161
Hugo10450
American Family10965
Safeco11682
Mercury12678
Travelers13983
Nationwide14278
Farmers14589
Clearcover14892
Allstate15492
Midvale Home & Auto173108
Direct Auto18387
Elephant206113
State Auto217120
Liberty Mutual234141
GAINSCO255110
Dairyland299109
Bristol West323132
The General335124
Foremost445195
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 $210 for car insurance. Auto-Owners offers the cheapest liability insurance for drivers with a DUI at $43 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Auto-Owners7143
State Farm7546
Mile Auto9767
GEICO10261
COUNTRY Financial10765
Erie11671
USAA12475
Mercury13282
Hugo13363
American Family13480
Safeco148104
Travelers170102
Clearcover172107
Nationwide17495
Farmers180111
Allstate191114
Midvale Home & Auto203126
Direct Auto221106
State Auto243134
Elephant259141
Liberty Mutual265160
GAINSCO325140
Dairyland369134
Bristol West405165
The General405150
Foremost504221
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 $56 per month for liability coverage and $115 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1830
State Farm1931
Hugo2451
GEICO2644
COUNTRY Financial2846
Erie2946
Mile Auto3044
USAA3253
American Family3456
Mercury3759
Nationwide3870
Travelers4372
Direct Auto4492
Safeco4564
Clearcover4674
Farmers4676
Allstate5083
Midvale Home & Auto5283
State Auto56101
Dairyland58160
Elephant60110
GAINSCO62144
The General67180
Liberty Mutual68113
Bristol West72176
Foremost93212
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 $214 a month for car insurance in the city. However, teen drivers can still find cheap coverage from Auto-Owners for $42 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners4271
State Farm4573
COUNTRY Financial5591
GEICO5693
Hugo64134
Erie70113
USAA72119
American Family81136
Mile Auto82120
Nationwide94171
Mercury95154
Travelers106177
Direct Auto112234
Farmers113184
Allstate115193
Clearcover121194
Safeco126180
Midvale Home & Auto127204
Dairyland130358
Elephant135247
State Auto138249
The General140379
GAINSCO145337
Bristol West163399
Liberty Mutual172286
Foremost227516
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 $80 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 $160 per month. Elgin also has cheaper car insurance than the Illinois average of $132 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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Aurora$78$180
Berwyn$79$190
Chicago$93$226
Cicero$86$239
Decatur$71$151
Joliet$77$169
Naperville$74$166
Peoria$77$176
Rockford$73$163
Springfield$78$182
Waukegan$74$151
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 $80 for liability only and $164 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 $25 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 $132 a month, and in Iowa, it’s $109 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.

Sources

  1. Elgin Police Department. "2022 Annual Report."
  2. Illinois Secretary of State. "Mandatory Vehicle Insurance."
  3. III. "What determines the price of an auto insurance policy?."
  4. Centers for Disease Control and Prevention. "Older Driver Safety."
  5. Centers for Disease Control. "Teen Drivers and Passengers: Get the Facts."
  6. Illinois Department of Insurance. "Credit - How Insurers Use It."
Elizabeth Rivelli
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 Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
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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