Best Cheap Auto Insurance in Elgin, IL (2021)

The average Elgin, IL auto insurance rates are $280 per month. The minimum auto insurance in Elgin is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Elgin, Illinois, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Elgin, IL for senior drivers are $1,877 per year
  • The cheapest auto insurance company in Elgin is Nationwide
  • The minimum auto insurance required in Elgin, Illinois is 25/50/20

Elgin, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Elgin can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Elgin, Illinois, including driving record, credit, commute time, and more.

Compare auto insurance in Elgin to other Illinois cities, including Naperville auto insurance rates, Rockford auto insurance rates, and Joliet auto insurance rates to see how Elgin, Illinois auto insurance rates stack up.

Before you buy Elgin, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Elgin, Illinois auto insurance quotes.

Minimum Auto Insurance in Elgin, Illinois

Elgin, Illinois auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Elgin, Illinois.

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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Cheap Elgin, Illinois Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Elgin, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap Elgin, Illinois Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Elgin, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Elgin, Illinois.

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

Cheap Elgin, Illinois Auto Insurance for Seniors

What are senior auto insurance rates in Elgin, Illinois? Take a look at the annual average rates for older drivers.

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

Cheap Elgin, Illinois Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Elgin, Illinois compared to the annual auto insurance rates with a clean record in Elgin, Illinois.

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

Cheap Elgin, Illinois Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Elgin, Illinois is not easy. Compare the annual rates for DUI auto insurance in Elgin, Illinois to find the best deal.

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

Cheap Elgin, Illinois Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Elgin, Illinois annual auto insurance rates by credit history compare.

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

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Cheap Elgin, Illinois Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Elgin, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Elgin, Illinois to see how car insurance rates are affected by location.

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

Cheap Elgin, Illinois Auto Insurance Rates By Commute

Commute length and annual mileage affect Elgin, Illinois auto insurance. Find the cheapest annual Elgin, Illinois auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Elgin, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Elgin, Illinois Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Elgin, Illinois? Check out the comparison of annual Elgin, Illinois 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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Best By Category: Cheapest Auto Insurance in Elgin, Illinois

Compare the cheapest auto insurance companies in Elgin, Illinois in each category to find the company with the best rates for your personal needs.

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

The Cheapest Elgin, Illinois Auto Insurance Companies

What auto insurance companies in Elgin, Illinois are the cheapest? Compare the top Elgin, Illinois auto insurance companies to find the best annual rates.

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 auto insurance rates in Elgin, Illinois?

There are a lot of reasons why auto insurance rates in Elgin, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Elgin, Illinois. Many local factors may affect your Elgin auto insurance rates.

Elgin Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Elgin, Illinois commute length is 28.5 minutes according to City-Data.

Elgin Traffic

How does Elgin, Illinois rank for traffic? According to Inrix Elgin, Illinois is the 862nd most congested worldwide.

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Compare Elgin, Illinois Auto Insurance Quotes

Before you buy Elgin, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Elgin, Illinois auto insurance quotes.

Free Auto Insurance Comparison

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

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