Compare Elgin, IL Car Insurance Rates (2021)

Car insurance in Elgin, IL averages $280 a month. Elgin, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Elgin car insurance rates, compare quotes from the top car insurance companies in Elgin, IL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Elgin for teen drivers is Nationwide
  • Average car insurance rates in Elgin, IL are $3,355/year
  • Average car insurance rates in Elgin, IL after a DUI are $3,905/year

If you need to buy Elgin, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Elgin, IL is right here.

You’ll find Elgin car insurance rates, the cheapest Elgin, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Elgin, Illinois car insurance rates to Peoria car insurance rates, Elgin car insurance rates, and Joliet car insurance rates.

Ready to find affordable Elgin, IL car insurance today? Enter your ZIP code for fast, free Elgin car insurance quotes.

Cheapest Elgin, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Elgin, IL car insurance rates? Every Elgin, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Elgin, IL

Every driver must carry the minimum car insurance in Elgin, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car 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

Cheapest Elgin, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Elgin, IL. Compare credit history car insurance rates in Elgin from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Elgin, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Elgin, IL to rates for a clean record with top companies.

Annual Elgin, Illinois Car 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

Cheapest Elgin, IL Car Insurance for Teen Drivers

Teen car insurance in Elgin, IL can be expensive. Take a look at rates from the top car insurance companies in Elgin for teenagers.

Annual Car 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

Cheapest Elgin, IL Car Insurance for Seniors

Take a look at Elgin, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Elgin, IL Car Insurance Rates After a DUI

A DUI in Elgin, IL increases car insurance rates. Compare Elgin, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Elgin, Illinois

Insurance Company Annual Car 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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Cheapest Elgin, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Elgin, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

Cheapest Elgin, IL Car Insurance Rates by ZIP Code

Elgin car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Elgin, IL.

Annual Car 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

The Best Cheap Car Insurance Companies in Elgin, IL

Take a look at a side-by-side comparison of the top car insurance companies in Elgin, IL to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Elgin, Illinois

Find the cheapest car insurance companies in Elgin, IL for each category right here.

Best Annual Car 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

Cheapest Elgin, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Elgin car insurance rates. Find the cheapest Elgin, IL car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Elgin, Illinois?

What factors can have an impact on Elgin, IL car insurance? There are several reasons why Elgin car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Elgin, Illinois.

Commute Time in Elgin

The more time you spend in your car the higher the risk of an accident. The average commute length in Elgin, IL is 28.5 minutes according to City-Data.

Traffic in Elgin

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Elgin, IL traffic data from INRIX ranks Elgin as the 862nd-most congested in the world.

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Compare Car Insurance Quotes in Elgin, IL

Ready to find affordable Elgin, Illinois car insurance today? Enter your ZIP code for fast, free Elgin, IL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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