Best Auto Insurance Rates in Elgin, Illinois

On average your neighbors pay $67 a month.

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Friday, November 9 2018 By Shantae Young

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.

Average Elgin 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.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
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.

Illinois average car insurance rates

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.

Best Car Insurance Companies in Elgin, IL

This is our list of the most common car insurance companies reported by QuoteWizard users in Elgin, Illinois, last year.

  1. Allstate
  2. GEICO
  3. Farmers
  4. Progressive
  5. Esurance
  6. COUNTRYy Financial
  7. State Farm
  8. Liberty Mutual
  9. American Family
  10. Nationwide
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles

This is our list of the most common car makes and models owned by Elgin, IL drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Toyota Camry LE
  3. Toyota Highlander
  4. Ford Taurus SE
  5. Toyota Rav4
  6. Honda CR-V EX
  7. Ford Crown Victoria
  8. Chevrolet Cruze LS
  9. Toyota Corolla
  10. Chevrolet Blazer
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Minimum Car Insurance Requirements in Elgin, IL

Elgin, Illinois has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most an insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence Elgin insurance rates.

Elgin drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

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.

Road Conditions

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

Moving violations like speeding, failure to stop, speeding, and drunk driving will give you a bad driving record and raise your insurance rates.

Traffic Tickets

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.

Drunk Driving Arrests

According to AAIM, St. Clair County made 74 arrests for suspicion of driving under the influence (DUI) last year. 

SR-22 DUI Insurance

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.

Fatal Car Accidents

There were 2,491 car accidents in Elgin, Illinois, in 2014. Of those, 692 caused personal injury and six resulted in fatalities.

Vehicle Theft Rates

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.

Save With Car Insurance Discounts

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.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  2. Maintain at least a B grade point average in school to qualify for the good student discount
  3. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  4. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  5. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  6. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  7. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  8. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  9. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  10. Shop around and compare affordable Elgin car insurance quotes

Sources:

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