Buy Cheap Elgin, IL Auto Insurance (2022)

Elgin, IL auto insurance rates average $280 a month. Minimum auto insurance requirements in Elgin, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Elgin, IL, compare Elgin auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Elgin is Allstate
  • Average auto insurance rates in Elgin, IL are $280/month
  • Average auto insurance rates in Elgin, IL for teens drivers are $6,565/year

Finding affordable Elgin, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Elgin, IL auto insurance with confidence is right here. Auto insurance rates in Elgin are affected by local factors as well as personal ones like your driving record.

See how Elgin, IL car insurance rates compare to Naperville auto insurance rates, Aurora auto insurance rates, and Rockford auto insurance rates before you read more about the cost of auto insurance in Elgin.

Don’t buy Elgin, IL auto insurance until you’ve compared rates. Get free Elgin, Illinois auto insurance quotes when you enter your ZIP code above.

Elgin, IL Minimum Auto Insurance Requirements

The required auto insurance in Elgin, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Elgin, Illinois is outlined here.

Minimum Required Auto Insurance Coverage in Elgin, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Find Cheap Elgin, IL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Elgin, IL. Take a look at Elgin, Illinois auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Elgin, Illinois

Insurance Company Poor Fair Good
Allstate $6,818 $4,934 $4,319
American Family $5,087 $3,476 $2,944
Farmers $5,539 $4,682 $4,453
GEICO $4,642 $2,263 $1,761
Liberty Mutual $3,318 $2,081 $1,654
Nationwide $2,764 $2,243 $1,967
Progressive $4,500 $3,836 $3,556
State Farm $3,931 $2,356 $1,828
Travelers $3,226 $2,623 $2,120
USAA $3,425 $2,359 $1,947

Buy Cheap Elgin, IL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Elgin, Illinois auto insurance rates? Find out how car insurance rates in Elgin, IL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Elgin, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,385 $3,400 $3,550 $3,550 $8,916 $11,582 $4,072 $4,402
American Family $2,361 $2,361 $2,168 $2,168 $6,816 $9,395 $2,361 $3,054
Farmers $2,556 $2,554 $2,258 $2,395 $11,445 $11,949 $2,925 $3,049
GEICO $1,714 $1,760 $1,671 $1,912 $5,905 $6,117 $1,996 $2,033
Liberty Mutual $1,405 $1,514 $1,162 $1,300 $4,930 $5,485 $1,468 $1,544
Nationwide $1,501 $1,522 $1,345 $1,417 $4,041 $5,153 $1,741 $1,877
Progressive $2,234 $2,091 $1,846 $1,939 $8,512 $9,542 $2,662 $2,886
State Farm $1,612 $1,612 $1,461 $1,461 $5,108 $6,444 $1,828 $2,114
Travelers $1,623 $1,710 $1,506 $1,604 $4,973 $6,317 $1,714 $1,804
USAA $1,534 $1,553 $1,427 $1,397 $5,001 $5,498 $2,011 $2,198

Buy Cheap Elgin, IL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Elgin can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Elgin, IL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Elgin, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,916 $11,582
American Family $6,816 $9,395
Farmers $11,445 $11,949
GEICO $5,905 $6,117
Liberty Mutual $4,930 $5,485
Nationwide $4,041 $5,153
Progressive $8,512 $9,542
State Farm $5,108 $6,444
Travelers $4,973 $6,317
USAA $5,001 $5,498

Buy Cheap Elgin, IL Auto Insurance for Seniors

You can save on senior auto insurance rates in Elgin, Illinois by comparing Elgin senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Elgin, IL here.

Annual Auto Insurance Rates for Senior Drivers in Elgin, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,550 $3,550
American Family $2,168 $2,168
Farmers $2,258 $2,395
GEICO $1,671 $1,912
Liberty Mutual $1,162 $1,300
Nationwide $1,345 $1,417
Progressive $1,846 $1,939
State Farm $1,461 $1,461
Travelers $1,506 $1,604
USAA $1,427 $1,397

Find Cheap Auto Insurance Rates in Elgin, IL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Elgin, Illinois auto insurance. Compare Elgin, IL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Elgin, Illinois

Insurance Company Low Medium High
Allstate $5,187 $5,352 $5,533
American Family $3,677 $3,977 $3,854
Farmers $4,637 $4,766 $5,272
GEICO $2,607 $2,881 $3,178
Liberty Mutual $2,215 $2,346 $2,492
Nationwide $2,288 $2,347 $2,339
Progressive $3,624 $3,949 $4,319
State Farm $2,538 $2,710 $2,867
Travelers $2,471 $2,653 $2,846
USAA $2,402 $2,575 $2,755

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Find Cheap Elgin, IL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Elgin. Compare auto insurance rates in Elgin, IL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Elgin, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,357 $5,357
American Family $3,787 $3,884
Farmers $4,891 $4,891
GEICO $2,838 $2,939
Liberty Mutual $2,351 $2,351
Nationwide $2,325 $2,325
Progressive $3,964 $3,964
State Farm $2,637 $2,773
Travelers $2,552 $2,761
USAA $2,505 $2,649

Find Cheap Elgin, IL Auto Insurance Rates by ZIP Code

Auto insurance rates in Elgin, Illinois can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Elgin, IL to see how much where you live in Elgin affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Elgin, Illinois

ZIP Code Average Annual Rates
60120 $3,467
60123 $3,343
60124 $3,277
60140 $3,220

Find Cheap Elgin, IL Auto Insurance Rates by Driving Record

Auto insurance rates in Elgin, Illinois are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Elgin, IL, take a look at the average cost for various violations versus rates for a clean driving record in Elgin.

Annual Elgin, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,780 $6,541 $6,088 $5,021
American Family $2,820 $4,001 $5,325 $3,197
Farmers $4,125 $5,335 $5,201 $4,905
GEICO $1,982 $3,075 $4,135 $2,363
Liberty Mutual $1,953 $2,790 $2,442 $2,220
Nationwide $1,889 $2,421 $2,831 $2,158
Progressive $3,253 $4,882 $3,609 $4,112
State Farm $2,452 $2,958 $2,705 $2,705
Travelers $2,104 $2,773 $3,105 $2,643
USAA $1,836 $2,645 $3,614 $2,215

Find Cheap Elgin, IL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Elgin, Illinois is higher than for a clean driving record. You can buy auto insurance after a DUI in Elgin for less when you shop around and compare rates from multiple Elgin, IL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Elgin, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,088
American Family $5,325
Farmers $5,201
GEICO $4,135
Liberty Mutual $2,442
Nationwide $2,831
Progressive $3,609
State Farm $2,705
Travelers $3,105
USAA $3,614

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Winners by Category: Where to Buy Cheap Auto Insurance in Elgin, IL

Compare rates from the cheapest auto insurance companies in Elgin, IL for your needs. Take a look at how Elgin, Illinois auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Elgin, Illinois

Category Insurance Company
Teenagers Nationwide
Seniors Liberty Mutual
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI Liberty Mutual
With 1 Speeding Violation Nationwide

Find Cheap Elgin, Illinois Auto Insurance Companies

If you’re looking for the cheapest Elgin, IL auto insurance companies overall, you can compare them here. Find the best price for Elgin, Illinois car insurance by company.

Average Annual Auto Insurance Rates by Company in Elgin, Illinois

Insurance Company Average Annual Rates
Allstate $5,357
American Family $3,836
Farmers $4,891
GEICO $2,889
Liberty Mutual $2,351
Nationwide $2,325
Progressive $3,964
State Farm $2,705
Travelers $2,656
USAA $2,577

What affects Elgin, Illinois auto insurance rates?

Local factors affect auto insurance rates in Elgin, IL, including traffic, theft statistics, and commute length. Take a look at the things that impact Elgin auto insurance rates.

Commute Times in Elgin

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elgin, IL is 28.5 minutes according to City-Data.

Traffic in Elgin

How is traffic in Elgin, Illinois? Inrix data shows that Elgin, IL traffic makes it the 862nd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Elgin, IL

You can buy cheap Elgin, IL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Elgin, Illinois auto insurance quotes from top companies.

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