Cheapest car insurance quotes in Elgin
On average, auto insurance in Elgin costs about $90 per month for minimum coverage liability insurance and about $148 per month for full coverage insurance. Elgin drivers pay 16% less than the average.
Finding cheap car insurance in Illinois can be Ill-annoying!—sorry, I’ll show myself out. Lame jokes aside, if there was a single best car insurance company in Elgin, everyone would have heard of it by now.
The truth is that the best auto insurance policy varies from driver to driver, and you need to compare tons of quotes to find the coverage and the price you want.
The bonus truth is that Jerry makes it easy to find and compare cheap car insurance quotes for free. All it takes is 45 seconds to sign up and less than a minute to receive the five to seven most competitive offers in your area. So skip the stress of shopping and go straight to the savings!
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Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $88 | 27 | 60123 | Honda Accord Ex | State Minimum | No |
| Progressive | $31 | 54 | 60124 | Chevrolet Avalanche C1500 | State Minimum | No |
| Bristol West | $299 | 24 | 60123 | Nissan Altima S | State Minimum | Yes |
| National General | $223 | 24 | 60120 | Bmw 435I | State Minimum | Yes |
| The General | $459 | 51 | 60120 | Jeep Cherokee Sport | State Minimum | Yes |
Cheapest Elgin car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Elgin can save up to 40% on their insurance, and with Jerry’s DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
| Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
| Nathaniel, 21 | 66 | 20% | No | – State Minimum Liability – Minimum Coverage |
| Roberto, 34 | 94 | 37% | No | – 100/300 – Comp/Collision |
| Angel, 44 | 70 | 19% | No | – 100/300 – Comp/Collision |
| Danny, 54 | 90 | 29% | No | – State Minimum Liability – Comp/Collision |
| Michael, 64 | 85 | 24% | No | – 100/300 – Comp/Collision |
Best car insurance companies in Elgin
If you wanted to find the best rates in Elgin, you’d have to compare hundreds of insurance providers and thousands of coverage options…but we’ve done all the research for you!
To discover the best of the best, Jerry conducted one of the nation’s largest shopping surveys.
We found that State Farm, Allstate, Country Insurance, Travelers, and Assurant held the biggest market shares in Illinois.
However, they didn’t necessarily earn the highest ratings. Because every car insurance provider calculates premiums differently, the best insurance policy varies from driver to driver.
You’ll have to compare quotes from at least three companies while shopping for auto insurance to find what works for you.
The table below shows how drivers in Elgin rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 3.9 | 4.1 | 4.4 |
| Allstate | 4.4 | 3.6 | 4.2 | 4.7 |
| Liberty Mutual | 4.2 | 4 | N/A | 4.2 |
| State Farm | 3.9 | 3.7 | 2.8 | 4.1 |
| Geico | 3.7 | 2.9 | 4.2 | 3.7 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Elgin
Illinois car insurance laws require every driver—including those in Elgin—to carry liability car insurance and Uninsured Motorist/Underinsured Motorist (UM/UIM) bodily injury coverage.
Liability insurance covers the costs of treating anyone you injure in an at-fault accident and repairing (or replacing) any property you damage. However, UM/UIM bodily injury coverage covers the medical expenses of you and your passengers if they exceed the at-fault driver’s coverage limits.
Cheap minimum liability insurance quotes in Elgin
The minimum liability coverage requirements in Elgin, Illinois, follow a 25/50/20 (plus 25/50) rule.
To put it simply, you’ll need a policy that covers at least:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $20,000 of property damage liability coverage per accident
- $25,000 of UM/UIM bodily injury coverage per person
- $50,000 of UM/UIM bodily injury coverage per accident
By sticking with the minimum required liability coverage, you’ll probably pay the lowest rates. Jerry helps Elgin drivers find low rates for no-frills coverage.
Do you need more than minimum coverage in Elgin?
In Elgin, drivers should consider topping up their liability coverage beyond the state’s minimum requirement of 25/50/20.
The state minimum coverage requirements provide a lot of protection, but medical and repair bills tend to add up.
If you cause a car accident and the injured party’s expenses exceed your coverage limits, you’ll have to pay the rest out of pocket. They also have the right to sue you in a personal injury lawsuit for up to two years after the accident, according to Illinois’s car accident laws.
The bottom line: Doubling your liability and UM/UIM coverage limits won’t double your rates, but it’ll provide better financial protection in the event of a serious car accident.
Cheap full coverage car insurance quotes in Elgin
Full-coverage car insurance isn’t required by law, but it provides coverage for repairs to (or a replacement of) your vehicles.
A full coverage policy includes collision coverage and comprehensive coverage.
- Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object.
- Comprehensive coverage also covers the costs of repairing or replacing your car but it only applies to damages caused by theft, vandalism, or natural disasters.
If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car. You can cut costs by using Jerry to find the lowest full coverage car insurance rates in Elgin.
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Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | No | Progressive | $88 | 27 | 60123 | Honda Accord Ex |
| State Minimum | No | Progressive | $31 | 54 | 60124 | Chevrolet Avalanche C1500 |
| State Minimum | Yes | Bristol West | $299 | 24 | 60123 | Nissan Altima S |
| State Minimum | Yes | National General | $223 | 24 | 60120 | Bmw 435I |
| State Minimum | Yes | The General | $459 | 51 | 60120 | Jeep Cherokee Sport |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Elgin
In helping hundreds of Elgin drivers find cheaper rates, we found the average cost for minimum liability coverage to be $90 per month or $1,080 per year.
The average cost for full coverage insurance in Elgin is $148 per month or $1,776 per year.
While the national average can give you an idea of potential insurance costs, individual insurance premiums are influenced by many factors. Car insurance rates are determined by your driver profile, driving record, and claims history, among other things.
Your actual costs could be hundreds of dollars higher than the average—or, if you use a quote-comparison app, hundreds of dollars less.
Average cost of car insurance in Elgin by zip code
Even though two nearly-identical drivers live in the same city, their car insurance rates can vary depending on their zip codes.
High-risk neighborhoods have a higher rate of vandalism, motor vehicle theft, and car accidents. People living in these neighborhoods pay more for car insurance.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 60120 | $34 | $96 |
| 60123 | $760 | $117 |
Car insurance quotes in Elgin by rating factors
Insurance companies in Elgin use many rating factors when calculating your auto insurance premium:
- Your driving record and claims history: Accidents and tickets will increase your insurance rates.
- Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.
- Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.
- Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.
- Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.
Cheap car insurance quotes in Elgin after driving violations
Your Illinois driving record plays a large role in deciding your car insurance rates. For one, the number of driver violation points on your driver’s license can add quite a few dollars to your monthly premiums.
Some car insurance companies will work with a high-risk driver profile, while others won’t, particularly if you received a serious conviction for a DUI or reckless driving in Illinois.
Cheapest car insurance in Elgin after speeding ticket
Even a single Illinois speeding ticket can raise your insurance rates by an average of about 13%. If you have multiple speeding tickets or you were ticketed for going well above the speed limit, your rates could go up even more.
Some providers are more forgiving of violations like speeding tickets. By working with a broker like Jerry, you’re more likely to come across an insurer that will offer you more affordable car insurance after a ticket.
Check out real rates drivers in Illinois achieved using Jerry.
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Speeding Type
|
Insurance Company
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Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding 6-10 | Bristol West | $299 | 24 | 60123 | Nissan Altima S | State Minimum | Yes |
| Speeding Violation-Minor | Bristol West | $202 | 23 | 60123 | Toyota Camry L | State Minimum | No |
| Speeding Violation-Major | The General | $323 | 29 | 60123 | Chevrolet Cruze Lt | State Minimum | Yes |
| Speeding 21+ | Progressive | $182 | 24 | 60120 | Lexus Es 350 | State Minimum | Yes |
| Speeding 21+ | Progressive | $186 | 23 | 60123 | Honda Accord Sport | State Minimum | Yes |
Cheapest car insurance in Elgin after DUI
If you’re charged with a DUI, you could face consequences including:
- Fine of up to $2,500
- Jail sentence of up to one year
- Driver’s license suspension of at least one year
- Community service sentence of up to 100 hours
The penalties become more severe for subsequent DUI offenses.
On top of the legal consequences, you’ll also see significantly higher car insurance costs—but Jerry can help you find lower rates. Just look at some of the cheaper coverage these drivers found using the Jerry app.
Cheapest car insurance in Elgin after an at-fault accident
If you need another reason to keep a clean driving record, keep in mind that high-risk drivers pay higher car insurance rates. Even multiple small, at-fault car accidents can add up to a significant price premium.
So if you’re wondering why your rates are so high, first check your Illinois driving record—and then download Jerry to compare quotes and find a better plan.
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Accident type
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Insurance Company
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Premium (monthly)
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Age
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Zip Code
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Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | The General | $459 | 51 | 60120 | Jeep Cherokee Sport | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $350 | 36 | 60123 | Kia Soul | State Minimum | Yes |
| At Fault With No Injury | Dairyland | $244 | 24 | 60120 | Acura 3.2Tl Type-S | State Minimum | No |
| At Fault With No Injury | Bristol West | $412 | 25 | 60123 | Honda Civic Lx | State Minimum | Yes |
| Not At Fault | Progressive | $324 | 38 | 60124 | Volkswagen Atlas Cross Sport Se | 50/100 | Yes |
Cheapest car insurance in Elgin after other driving violations
Most traffic violations increase your insurance rates, such as driving without a license, stunt driving, or reckless driving in Illinois. If you’re stuck with a ticket and unaffordable coverage, here’s where to look in Elgin:
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Failure to Obey Signal | Dairyland | $244 | 24 | 60120 | Acura 3.2Tl Type-S | State Minimum | No |
| Failure to Stop | Bristol West | $412 | 25 | 60123 | Honda Civic Lx | State Minimum | Yes |
| Improper Passing | Bristol West | $547 | 21 | 60123 | Nissan Sentra S | State Minimum | No |
| Driving on Sus. License | Bristol West | $70 | 26 | 60123 | Mazda 3 Select | State Minimum | No |
| Other Minor | Dairyland | $443 | 44 | 60120 | Chevrolet S Truck S10 | 10/20 | No |
Cheap car insurance quotes in Elgin by age
Car insurance rates start high, drop, and then rise again. Teen drivers pay more, middle-aged drivers pay less, and senior drivers pay more again—although not as much as when they were new to the road.
If you fall outside the ideal bracket for car insurance savings (25 to 75), here’s what you can do:
Cheapest car insurance in Elgin for young drivers
Teen drivers between the ages of 16 and 19 are statistically more likely to get into an accident, so they pay the highest rates of any age group.
The best way to keep costs low for young drivers is to keep them on their parents’ policy for as long as possible—and shop with Jerry to find the most affordable coverage for teen drivers in Calumet Park.
Cheapest car insurance in Elgin for senior drivers
Senior drivers may be more likely to get into car accidents due to slowed reaction times and vision and hearing changes. They’re also more likely to be seriously injured if they do get into a collision. Because of that, insurance companies often charge higher rates for senior drivers.
To find the best senior car insurance, look for a company that rewards drivers for safe driving or keeping low mileage on their vehicles. Also, prioritize a company with good customer service.
With Jerry, not only can you safe on car insurance for seniors, but our expert customer service agents can help answer any questions you might have during the shopping process.
Cheap car insurance quotes in Elgin based on insurance history
Insurance providers consider you a high-risk driver if you drove without car insurance in the past, ie. you were an uninsured motorist. As you can guess, a car insurance lapse can raise your insurance rates.
With Jerry’s automatic reminders, you can find a fresh start at a new company and remember your payments. You’ll receive a detailed price comparison when it’s time to renew so you can see if your current rates are still the most competitive in Elgin.
Cheap car insurance quotes in Elgin for drivers with poor credit
Making your payments on time is as important to auto insurance companies as driving safely. Even good drivers in Elgin will see their insurance rates increase if their credit score is 550 or less.
Compared to their poor credit counterparts, Elgin drivers with a high credit score pay almost 20% less for car insurance! However, you can make up the difference by shopping around with Jerry’s quick quote-comparing app.
Check out some real rates drivers in Illinois received after signing up with Jerry.
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Credit Score
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Insurance Company
|
Monthly Quote
|
Age
|
Zip Code
|
Car Make Model Trim
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 660-750 | Progressive | $88 | 27 | 60123 | Honda Accord Ex | State Minimum | No |
| 550-659 | Progressive | $31 | 54 | 60124 | Chevrolet Avalanche C1500 | State Minimum | No |
| 660-750 | Bristol West | $299 | 24 | 60123 | Nissan Altima S | State Minimum | Yes |
| 750+ | National General | $223 | 24 | 60120 | Bmw 435I | State Minimum | Yes |
| 660-750 | The General | $459 | 51 | 60120 | Jeep Cherokee Sport | State Minimum | Yes |
Cheap car insurance quotes in Elgin for popular cars
The type of car you drive helps determine your annual insurance premiums. A model with good safety ratings, driver-assistive technology, and vehicle anti-theft systems costs less to insure. If it’s cheap to repair, then so much the better!
Here are the five most popular models on Elgin’s roads:
- Toyota RAV 4
- Chevrolet Silverado
- Honda CR-V
- Ford F-150
- Chevrolet Equinox
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Toyota Rav4 Adventure | Bristol West | $526 | 50 | 60120 | 100/300 | Yes |
| Toyota Rav4 Le | Progressive | $146 | 43 | 60123 | State Minimum | Yes |
| Toyota Rav4 Le | Progressive | $77 | 60 | 60120 | State Minimum | Yes |
| Chevrolet Equinox Lt | Progressive | $64 | 73 | 60123 | State Minimum | No |
| Ford F-150 Supercrew | Progressive | $147 | 43 | 60120 | State Minimum | Yes |
How to lower car insurance costs in Elgin
1. Shop around and compare quotes
You can’t get the best deal on auto insurance without comparing quotes from at least three different companies. Experts recommend comparison shopping for car insurance quotes every six months.
Take a look at the most competitive plans in five minutes or less with Jerry. Download the app, sign up, and get five to seven quotes delivered straight to your phone. It’s the best money you’ll never spend—because our five-star-rated app is free!
2. Hunt for car insurance discounts
Getting the right car insurance discount can transform a good rate into a great one. You could save by joining a program for:
- Good drivers. If you’ve held a clean driving record for at least three years, you’re due for some sweet discounts.
- Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
- Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
- Insurance bundles. Bundle your car and home insurance and you could pay less for each of them.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Elgin so expensive?
- Congestion: Because driving in Elgin incurs a higher risk of dents, dings, and cracked windows than driving in the countryside, insurance rates are higher, too.
- Motor vehicle theft: Similar to congestion, high motor vehicle theft rates in Elgin lead insurance providers to increase your premiums.
- Fatality rates: Around one quarter of the fatal car crashes in Illinois in 2021 happened on urban roads. Because of the high costs associated with motor vehicle fatalities, Elgin drivers pay higher rates.
Learn more: 11 ways to lower car insurance
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
