Compare South Elgin, IL Car Insurance Rates (2021)

Car insurance in South Elgin, IL averages $269 a month. South Elgin, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap South Elgin car insurance rates, compare quotes from the top car insurance companies in South Elgin, IL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 South Elgin for teen drivers is Nationwide
  • Average car insurance rates in South Elgin, IL after a DUI are $3,769/year
  • The cheapest car insurance company in South Elgin is Nationwide

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

You’ll find South Elgin car insurance rates, the cheapest South Elgin, IL car insurance companies, and information on Illinois car insurance laws. You can also compare South Elgin, Illinois car insurance rates to Champaign car insurance rates, Naperville car insurance rates, and Rockford car insurance rates.

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

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

How do age, gender, and marital status affect South Elgin, IL car insurance rates? Every South 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 South 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 $3,307 $3,322 $3,470 $3,470 $8,726 $11,321 $3,977 $4,298
American Family $2,244 $2,244 $2,062 $2,062 $6,484 $8,932 $2,244 $2,901
Farmers $2,522 $2,523 $2,228 $2,367 $11,374 $11,878 $2,878 $2,989
GEICO $1,707 $1,756 $1,668 $1,875 $5,994 $6,188 $1,927 $2,001
Liberty Mutual $1,445 $1,557 $1,194 $1,335 $5,108 $5,682 $1,511 $1,588
Nationwide $1,425 $1,445 $1,279 $1,347 $3,807 $4,848 $1,650 $1,777
Progressive $1,882 $1,757 $1,559 $1,640 $7,103 $7,941 $2,229 $2,390
State Farm $1,554 $1,554 $1,410 $1,410 $4,963 $6,263 $1,762 $2,030
Travelers $1,570 $1,654 $1,456 $1,549 $4,781 $6,065 $1,658 $1,744
USAA $1,499 $1,513 $1,397 $1,363 $4,934 $5,417 $1,965 $2,139

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Minimum Car Insurance in South Elgin, IL

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

Minimum Required Car Insurance Coverage in South 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 South Elgin, IL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in South Elgin, Illinois

Insurance Company Poor Fair Good
Allstate $6,663 $4,822 $4,224
American Family $4,834 $3,306 $2,800
Farmers $5,484 $4,638 $4,412
GEICO $4,643 $2,263 $1,762
Liberty Mutual $3,425 $2,150 $1,707
Nationwide $2,611 $2,120 $1,860
Progressive $3,770 $3,204 $2,964
State Farm $3,803 $2,281 $1,771
Travelers $3,108 $2,527 $2,043
USAA $3,356 $2,316 $1,913

Cheapest South 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 South Elgin, IL to rates for a clean record with top companies.

Annual South Elgin, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,686 $6,402 $5,953 $4,905
American Family $2,679 $3,810 $5,058 $3,038
Farmers $4,088 $5,287 $5,156 $4,848
GEICO $1,954 $3,155 $4,153 $2,297
Liberty Mutual $2,016 $2,882 $2,521 $2,291
Nationwide $1,789 $2,287 $2,671 $2,041
Progressive $2,723 $4,071 $3,023 $3,434
State Farm $2,374 $2,862 $2,618 $2,618
Travelers $2,030 $2,673 $2,988 $2,547
USAA $1,798 $2,597 $3,546 $2,171

Cheapest South Elgin, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in South Elgin, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,726 $11,321
American Family $6,484 $8,932
Farmers $11,374 $11,878
GEICO $5,994 $6,188
Liberty Mutual $5,108 $5,682
Nationwide $3,807 $4,848
Progressive $7,103 $7,941
State Farm $4,963 $6,263
Travelers $4,781 $6,065
USAA $4,934 $5,417

Cheapest South Elgin, IL Car Insurance for Seniors

Take a look at South 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 South Elgin, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,470 $3,470
American Family $2,062 $2,062
Farmers $2,228 $2,367
GEICO $1,668 $1,875
Liberty Mutual $1,194 $1,335
Nationwide $1,279 $1,347
Progressive $1,559 $1,640
State Farm $1,410 $1,410
Travelers $1,456 $1,549
USAA $1,397 $1,363

Cheapest South Elgin, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in South Elgin, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,953
American Family $5,058
Farmers $5,156
GEICO $4,153
Liberty Mutual $2,521
Nationwide $2,671
Progressive $3,023
State Farm $2,618
Travelers $2,988
USAA $3,546

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Cheapest South Elgin, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in South 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 South Elgin, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,236 $5,236
American Family $3,600 $3,693
Farmers $4,845 $4,845
GEICO $2,841 $2,939
Liberty Mutual $2,427 $2,427
Nationwide $2,197 $2,197
Progressive $3,313 $3,313
State Farm $2,552 $2,685
Travelers $2,459 $2,660
USAA $2,458 $2,599

The Best Cheap Car Insurance Companies in South Elgin, IL

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

Average Annual Car Insurance Rates by Company in South Elgin, Illinois

Insurance Company Average Annual Rates
Allstate $5,236
American Family $3,646
Farmers $4,845
GEICO $2,890
Liberty Mutual $2,427
Nationwide $2,197
Progressive $3,313
State Farm $2,618
Travelers $2,560
USAA $2,528

Category Winners: Cheapest Car Insurance in South Elgin, Illinois

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

Best Annual Car Insurance Rates by Company in South Elgin, Illinois

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

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Cheapest South Elgin, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in South Elgin, Illinois

Insurance Company Low Medium High
Allstate $5,061 $5,231 $5,417
American Family $3,490 $3,781 $3,669
Farmers $4,578 $4,713 $5,243
GEICO $2,607 $2,884 $3,178
Liberty Mutual $2,290 $2,423 $2,569
Nationwide $2,160 $2,218 $2,214
Progressive $2,996 $3,292 $3,650
State Farm $2,447 $2,623 $2,785
Travelers $2,385 $2,556 $2,738
USAA $2,352 $2,526 $2,707

What affects car insurance rates in South Elgin, Illinois?

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

Commute Time in South Elgin

The more time you spend in your car the higher the risk of an accident. The average commute length in South Elgin, IL is 31.0 minutes according to City-Data.

Compare Car Insurance Quotes in South Elgin, IL

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

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