Best Car Insurance in Schaumburg 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Schaumburg.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
October 5, 2021Toyota RAV4 LE6019350Progressive$120/mo.$62/mo.
June 4, 2021Jeep Wrangler Unlimited Sahara6019334Progressive$95/mo.$67/mo.
April 18, 2021Honda Accord EXL6019320National General$273/mo.$124/mo.
August 10, 2021Jeep Renegade Sport6019323ClearCover$192/mo.$130/mo.
June 17, 2021Honda Civic EXL6019422Progressive$229/mo.$157/mo.
Here’s more information about what impacts the insurance rates in your Schaumburg.

How much does car insurance cost in Schaumburg?

Car insurance in Schaumburg, Illinois costs single-car drivers an average of $2,061 annually, or about $172 per month. Compared to the state annual average of $2,545, auto insurance in Schaumburg is $484 lower about the same.
Schaumburg is a medium-sized town in Northeastern Illinois and was ranked one of the 10 best places to live in the United States in 2017. Just 30 miles from Chicago, it’s a popular commuter’s town into the windy city.
Schaumburg isn’t too challenging to drive around. As a relatively busy city, insurance rates are roughly on par with the rest of the state.
To find cheap car insurance in Schaumburg, your best bet is a comparison shopping and broker app like Jerry. Jerry can provide you with competitive quotes in under a minute and makes swapping just as effortless. Jerry takes care of all the paperwork and phone calls and even can assist you in canceling your old policy!
Here’s a rundown of what you need to know if you’re looking for car insurance in Schaumburg.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Schaumburg$2,232$1,729$1,620$822$2,304$1,878
National Average$3,223$2,143$3,086$1,764$3,423$2,486
SchaumburgNational Average
All Coverage Before Jerry
$2,232$3,223
All Coverage After Jerry
$1,729$2,143
Minimum Coverage Before Jerry
$1,620$3,086
Minimum Coverage After Jerry
$822$1,764
Full Coverage Before Jerry
$2,304$3,423
Full Coverage After Jerry
$1,878$2,486
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Choosing a carrier in Schaumburg

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Car insurance costs in Schaumburg are on par with the rest of the state. With a wide range of carriers to choose from, finding one that offers all the coverage you need at an affordable price shouldn’t be too tricky.
Some of the most popular picks in Schaumburg include Progressive, State Farm, and Nationwide. The right provider for you will change based on your driver profile. That means your demographics, driving record, discounts, and condition of your car can all influence exactly how much you’ll pay.
Here’s what drivers pay with some of the most popular insurance providers in Schaumburg before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$3,276$1,638Compare Prices
Dairyland$3,276$828Compare Prices
Progressive$1,968$651Compare Prices
Travelers$1,881$132Compare Prices
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What kind of car insurance you need in Schaumburg

In Schaumburg, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Illinois, drivers have to prove financial responsibility before they’re allowed to hit the road. The best way to do so is to buy a car insurance policy with at least the following liability insurance:
Illinois also requires **uninsured and underinsured motorist coverage**—protecting you if another driver without adequate coverage is at fault in an accident. You should have the following:
  • $15,000 uninsured motorist property damage
  • $25,000 underinsured motorist coverage
Remember that if you’re involved in an accident or pulled over by law enforcement, you’ll need to show proof of insurance coverage. You’ll also need it to register your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Legally, you have to hit minimum insurance requirements to stay on the road—but you shouldn’t limit yourself to the basics. A little more coverage is essential since the weather alone can make driving in Schaumburg a little more difficult.
Here are some additional coverages that would serve drivers in Schaumburg well:
FactorRecommended coverageDescription
Icy roadsComprehensive insuranceIllinois weather can be a bit treacherous. You can expect heavy snow, as well as lots of ice on the streets. That can make driving a little riskier. Luckily, you should get comprehensive insurance to protect you from the elements.
Heavy trafficCollision insuranceHeavy traffic is a part of any city. And while Schaumburg isn’t Chicago, there are still a lot of cars on the road. More cars mean you’re more likely to get into a collision, and collision insurance will keep you financially covered if you bump someone.
Rural areasRoadside assistanceEven though Schaumburg is a lovely place to live, you might still want to explore the rest of Illinois. But getting onto those rural roads could be dangerous. If something goes awry, you’ll be glad to have Jerry’s roadside assistance package. It features up to 10 miles of towing plus jump starts, tire changes, fuel deliveries, and more.

What determines your car insurance cost in Schaumburg

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Schaumburg, you could be paying as much as $38 more per month than an adult driver. These are average rates for Jerry customers in Schaumburg broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,114$1,383
21-24$2,225$493
25-34$2,067$331
45-54$1,440$696
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Schaumburg with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,215$507
Speeding under 15$2,748$724
Failure to Obey Traffic Sign$2,160$101
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Where in Schaumburg you live

It may seem like insurance rates in Schaumburg should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Schaumburg, residents of 60194 will have the most expensive car insurance rates, while people who live in 60193 and 60173 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Schaumburg:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 6, 202160173Toyota Corolla EcoIL31Progressive$166/mo.$39/mo.
June 9, 202160193Nissan Kicks SIL34National General$145/mo.$42/mo.
October 5, 202160193Toyota RAV4 LEIL50Progressive$120/mo.$47/mo.
May 5, 202160173Jeep Cherokee LatitudeIL24Mercury$150/mo.$84/mo.
April 23, 202160173Tesla Model YIL30Mercury$180/mo.$119/mo.
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Why is car insurance in Schaumburg so expensive?

A variety of considerations determine baseline car insurance rates in Schaumburg. Insurance companies often consider the following:
In comparison to other cities of similar sizes, car insurance in Schaumburg is relatively affordable. Here are some factors that can influence premiums for drivers.

Busy roads

Any city, small or large, can get a little busy at times. And the unfortunate reality is that the more cars there are on the road, the more likely you are to get into a collision. Insurance companies are aware of the risks, so you might pay a little more.

Inclement weather

Schaumburg isn’t exactly ideally located for good weather. Resting near the edge of Lake Michigan doesn’t do the local climate any favors, and roads can get icy and snowy very quickly.
You might pay a premium to be in an area that sees unpleasant weather.

How can you save money on car insurance in Schaumburg?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Discounts are a great way to save money on car insurance in Schaumburg. Most providers offer some sort of discount, and you can usually combine several to make a bigger dent in your premium.
Here are some common discounts available with insurance carriers in Schaumburg:
DiscountDescription
Multi-policyBundling multiple insurance products with the same provider (like home and auto) could get you a discounted rate on each one.
Defensive drivingCompleting a state-verified careful driver course could help you save a few dollars on your policy. It will also help your case in dangerous driving conditions, like Schaumburg’s icy roads.
Good studentStudents between the ages of 16 and 25 can qualify for discounts if they maintain at least a 3.0 GPA. That’s a helpful boost for a group usually regarded as the highest risk to get behind a wheel.
UsageSome companies offer a tracking program that monitors your driving habits and rewards you with discounts for safe behaviors.
Paperless paymentsThe benefits are marginal, but you might even save a few dollars just by completing all of your financial transactions online.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

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