Learn everything you need to know to buy the best car insurance policy in Elgin for your particular situation. You’ll see which carriers are rated as the best car insurance companies for customer satisfaction and what the average car insurance rates are for your neighborhood.

You’ll also discover how much you can save from knowing how to make smart choices about coverage. And, find out how rates for Elgin drivers are affected by tickets, accidents and adding teen drivers.

Key Highlights
  • The average car insurance cost in Elgin, IL for a full coverage policy is $1,482 a year, according to CarInsurance.com research.
  • GEICO has the cheapest full coverage car insurance quotes in Elgin among all the carriers analyzed.
  • By comparing price quotes from different carriers, you can save an average of $3,092 per year on a full coverage policy in Elgin.
  • In Illinois, comprehensive insurance costs an average of $155 and collision coverage is $700 per year, based on CarInsurance.com rate analysis.

Who has the best car insurance in Elgin, IL?

Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some, it may be price, while others may value customer service the most. Still, others may be looking for the convenience of mobile apps, or a company that offers the most car insurance discounts.

Below we list car insurance companies in Elgin, and who they are the best at serving, based on CarInsurance.com’s customer satisfaction survey of current policyholders and rate data analysis.

Best forCompany
ClaimsAuto Club of Southern California (Auto Club Enterprise Insurance Group)
Value/PriceAuto Club of Southern California (Auto Club Enterprise Insurance Group)
Customer ServiceAuto Club of Southern California (Auto Club Enterprise Insurance Group)
RecommendAuto Club of Southern California (Auto Club Enterprise Insurance Group)
Low Annual MileageState Farm Mutual Auto
Good StudentIllinois Farmers Ins Co
BundleAllstate F&C
Paid in FullAllstate F&C

Cheap car insurance in Elgin, Illinois

Find the cheapest car insurance rates in Elgin, based on our rate analysis for three different coverage levels. The driver profile is for age 30, with good credit and a clean driving record. You can see how major insurers rank for price in the chart below.

CompanyLiability Only – State Minimum BI/PDLiability Only – 50/100/50 BI/PDFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll
GEICO Casualty Co$275$347$763
Erie Ins Exchange$342$386$1,190
Owners Ins Co$347$388$1,071
Mercury Ins Co of IL$348$383$1,070
State Farm Mutl Automobile Ins$407$480$1,214
Nationwide General Ins Co$448$460$904
Allstate F&C Ins Co$499$558$1,924
Standard Fire Ins Co$502$574$1,051
Automobile Club Inter-Ins$512$604$1,902
American Family Ins Co$588$632$1,068
Progressive Universal Ins Co$659$752$1,380
Auto Club Ins Assn$709$788$2,350
Illinois Farmers Ins Co$756$881$1,680
Metropolitan Group P&C Ins Co$1,517$1,540$3,819

Car insurance coverage – how much car insurance do I need in Elgin?

Below we’ll explain what coverage you need to drive legally, your state-required minimum liability limits, and what types of car insurance you may need to be truly protected.

Minimum car insurance requirements in Elgin

Illinois car insurance laws require only that you insure yourself against bodily injury and property damage liability, so it’s your choice whether to add coverage for yourself, your passengers, and your vehicle.

If you have a newer model car, getting comprehensive insurance and collision coverage makes sense. In Illinois, comprehensive costs $155 and collision costs $700, on an average per year, according to a rate data analysis done by CarInsurance.com.

These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.

The best car insurance coverage usually isn’t the cheapest. You may be used if you’re in an accident and your insurance doesn’t cover all the damages. That means your home or savings could be in jeopardy.

To protect your assets, you should buy liability insurance in the following amounts:

  • $1,00,000 to pay for others’ medical bills
  • $3,00,000 to pay for injuries to others in an accident you cause
  • $1,00,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail and vandalism.
  • Collision, which pays for damage to your car from accidents.

Average car insurance rates in Elgin

The average rate for Elgin drivers for a year of minimum coverage is $554 according to our rate analysis. If you increase your coverage to 50/100/50, you would pay just about $4.08 more monthly, or $49 more a year.

You can get full coverage (100/300/100) by paying $77.33 more a month, or an additional $928 a year more than minimum-level coverage.

Elgin average for:

  • Minimum coverage: $554
  • 50/100/50: $603
  • 100/300/100: $1,482

Compare car insurance quotes in Elgin – how to save on insurance

You can save an average of $3,092 annually on a full coverage policy in Elgin by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your particular circumstances, there is a significant benefit to shopping your policy.

Elgin car insurance FAQs

How much does insurance go up after a speeding ticket in Elgin?

A speeding ticket in Elgin will hike your car insurance rates by an average of 42%, or about $921 yearly. CarInsurance.com’s rate analysis shows how much more drivers in Elgin can expect to pay, on average, for speeding and other common violations.

Minor traffic violations, such as speeding, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date. More severe infractions like DUI stay on your record much longer.

How much does insurance go up for tickets in Elgin?

Elgin drivers can expect to see a hike in their rates in the range of 41% for minor moving violations such as tailgating or blowing through a stop sign, 77% for more severe infractions such as DUI.

Below you’ll see how much rates increase, on average, for common traffic violations.

Remember, though, that because insurance companies assess risk differently, you can still save by comparison shopping, because one carrier may ding you a lot for a citation, while another may spike your rate by much less.

ViolationAverage rateRate after violation$ Increase% Increase
2 speeding tickets 11 mph or over$2,192$3,397$1,20555%
Careless driving$2,192$3,529$1,33761%
Distracted driving ticket$2,192$2,864$67231%
Driving without a license or permit$2,192$2,636$44420%
Driving without insurance$2,192$2,649$45721%
DUI/DWI first offense$2,192$3,807$1,61574%
DUI/DWI second offense$2,192$6,051$3,859176%
Failure to stop$2,192$2,766$57426%
Failure to yield$2,192$2,806$61428%
Following too closely$2,192$2,795$60328%
Improper turn$2,192$2,796$60428%
Improper/illegal pass$2,192$2,807$61528%
Operating a vehicle in a race (highway racing)$2,192$3,879$1,68777%
Reckless driving$2,192$3,837$1,64575%
Seatbelt infraction$2,192$2,674$48222%
Talking on cellphone ticket$2,192$2,784$59227%
Texting ticket$2,192$2,784$59227%

How much does it cost to add a teen driver to your insurance?

In Elgin, adding a 16-year-old daughter to your policy will hike your rates by $2,044 annually, or 138% It’s more for boys. Insuring your 16-year-old son will increase your yearly rate by $2,571, or 173% according to CarInsurance.com rate data.

According to CDC research, teen drivers are inexperienced and involved in more accidents than older drivers. Insurance companies categorize them as high-risk drivers, so they cost more to insure.

If you’re insuring a teen driver of any age, you can get expert tips, rate data by age and details in this parents’ guide to insuring a teen driver.

How much is SR-22 insurance in Elgin?

CarInsurance.com data show that for drivers in Elgin, your rate will go up by an average of $830 or 38%. If you’re convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf.

An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase.

 — Ashlee Tilford contributed to this story

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.