On average your neighbors pay $67 a month.See Your Rates
Known as "the City in the Suburbs," Elgin, Illinois, is perfectly situated 35 miles northwest of Chicago. Eglin could be called a city of growth as well. With a population of 108,188, it is the eighth-largest city in the state. A city with so much to give deserves the best, and we think that extends to car insurance rates.
How much is car insurance in Elgin, IL? Rates here can get expensive with many drivers paying higher premiums than both the state and national average. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.
Prices will vary depending on multiple factors including your driving record, the type of car your drive, coverage, policy limits, and the number of claims filed in your zip code.
|Total Cost Per Year||$803.64|
|Price Per Month||$66.97|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in Illinois' average insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.
QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Elgin, Illinois and save up to 40% on your premium.
Last year, many people used QuoteWizard to compare auto insurance quotes in Elgin, IL from multiple companies.
This is our list of the most common car insurance companies reported by QuoteWizard users in Elgin, Illinois, last year.
This is our list of the most common car makes and models owned by Elgin, IL drivers requesting quotes through QuoteWizard last year.
Elgin, Illinois has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:
Driving conditions like weather and traffic congestion are factors that can influence Elgin insurance rates.
Like much of the rest of Illinois, Elgin, has a warm climate with no real dry season. On average, Elgin, IL residents see around 190 days of full or partial sunshine each year. Another 104 days there see some amount of precipitation. That includes snow, which Elgin receives an average of 33 inches annually.
According to Tripnet.org, 67 percent of the major roads in Illinois are in poor or mediocre condition. These poorly maintained roads costs drivers $4.4 billion or $540 per motorist in extra vehicle operating costs per year. These costs are a direct result of driving on rough roads that can damage cars and contribute to car accidents.
Moving violations like speeding, failure to stop, speeding, and drunk driving will give you a bad driving record and raise your insurance rates.
The Kane County Clerk of the Circuit Courts: Traffic Division website allows residents to pay traffic tickets and gives them other important traffic court information.
According to AAIM, St. Clair County made 74 arrests for suspicion of driving under the influence (DUI) last year.
A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Elgin DUI insurance.
There were 2,491 car accidents in Elgin, Illinois, in 2014. Of those, 692 caused personal injury and six resulted in fatalities.
Elgin reported 85 motor vehicle thefts in 2015. That adds up to a theft rate of 0.76 per 1,000 residents. This is much lower than the national average of 2.16 per 1,000.
Discounts are one of the best ways to lower your insurance rates. These are some of the car insurance discounts available to Elgin drivers. Get a quote to find out which discounts you may qualify for from your current or multiple insurance companies.
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