Best Auto Insurance Rates in Elmhurst, Illinois

On average your neighbors pay $67 a month.

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Elmhurst, Illinois, is small city located a short 18 miles—or 40 minutes—away from Chicago. Residents and visitors alike can easily travel between the two taking the Metra commuter train or driving on Interstate 290 East or I-90. If you plan to use the second option, you're going to need cheap car insurance.

Average Elmhurst Car Insurance Rates

How much is car insurance in Elmhurst, IL? Rates here can be expensive with many locals pating 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 several factors including your driving record, gender, type of car, 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. QuoteWizard can help you find cheap car insurance rates near Elmhurst, Illinois and save up to 40% on your premium.

Last year, many people used QuoteWizard to compare car insurance quotes in Elmhurst, IL from multiple companies to get the lowest rates.

Best Car Insurance Companies in Elmhurst, IL

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

Top 10 Vehicles in Elmhurst

These are the most common car makes and models owned by Elmhurst, IL drivers requesting quotes through QuoteWizard last year.

  1. Honda Civic SI
  2. GMC Envoy
  3. Ford Focus SE
  4. Toyota Corolla/S/LE
  5. Ford Explorer Eddie Bauer
  6. Ford F350 Super Duty
  7. Jeep Grand Cherokee Limited
  8. Jeep Grand Cherokee Overland
  9. Toyota Highlander
  10. Toyota Rav4
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Minimum Car Insurance Requirements in Elmhurst, IL

Elmhurst, 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 Elmhurst insurance rates.

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Weather

Elmhurst, IL has a warm climate, which means hot summers, severe winters, and no dry season. On average, the city’s residents see 189 days of full or partial sunshine every year. They also experience around 109 days with measurable precipitation. On a related note, Elmhurst gets 24 inches of snowfall in an average year.

Road Conditions

According to Tripnet.org, 67 percent of the major roads in Illinois are in either 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.

If you want to report a pothole in your area, fill out a form to report concern. If it is urgent, call 630-530-3000.

Moving Violations

Moving violations like drunk driving, running a red light, at-fault accidents, and speeding tickets will give you a bad driving record and higher insurance rates.

Traffic Tickets

The DuPage County Clerk of the Circuit Courts website allows residents to pay traffic tickets and look up court locations and other important traffic court information.

The Elmhurst Police Department issued 548 traffic citations in 2015.

Drunk Driving Arrests

According to AAIM, DuPage County police made 95 arrests for suspicion of driving under the influence (DUI) in 2015. 

Elmhurst PD arrested 16 drivers for suspicion of DUI. In other words, 17 percent of the DUI arrests in the county came from Elmhurst.

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 Elmhurst DUI insurance.

Fatal Car Accidents

Elmhurst reported 1,154 car accidents in 2014. Of those, 248 of them resulted in personal injury and one resulted in a fatality.

Vehicle Theft Rates

According to Neigborhoodscout, Elmhurst experienced just five motor vehicle thefts in 2015. That’s a theft rate of 0.11 per 1,000 residents—much lower than the national average of 2.16 per 1,000.

Car Insurance Discounts in Elmhurst

Discounts are one of the best ways to lower your insurance rates. These are some of the auto discounts available to drivers in Elmhurst, IL depending on what's offered by your carrier.

  1. 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
  2. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  3. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  5. 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%
  6. Maintain at least a B grade point average in school to qualify for the good student discount
  7. 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
  8. Are you married or getting married soon? Some insurers offer drivers a marriage 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 low-cost Elmhurst car insurance quotes

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