Cheapest Auto Insurance in Elgin, Illinois (2025)

The average monthly cost of car insurance in Elgin, Illinois, is $121. Drivers in Elgin pay about the same as the state average car insurance rate, which is $116 per month.

Elgin is a city with a population of about 113,000 people. The number of accidents in Elgin decreased between 2021 and 2022, according to the Elgin Police Department annual report, which could contribute to the lower cost of insurance in the city.1

Elgin drivers can find the best insurance for their needs by comparing car insurance quotes from multiple companies.

Cheapest car insurance companies in Elgin

Average car insurance rates in Elgin are more generally affordable than the statewide average. However, some car insurance companies have cheaper rates than others. Additionally, the best and cheapest auto insurance company will depend on your individual situation and coverage needs.

Best insurer for military community: USAA

Best insurer for low-mileage drivers: Mile Auto

Best insurer for discounts: GEICO

How to get the cheapest car insurance in Elgin

Car insurance premiums are based on a variety of individual and policy-related factors, like your age, credit score, claim history, vehicle type, ZIP code, deductible, and coverage limits.3

However, drivers in Elgin can get more affordable car insurance in various ways. Here are a few tips for getting cheap car insurance in Elgin:

• Bundle your policies. Most insurers offer a discount to customers who bundle car insurance with another insurance product, like homeowners insurance or renters insurance.

• Choose high deductibles. Selecting higher deductibles for policies like collision insurance or comprehensive insurance will reduce your monthly premiums.

• Pay in full. Paying your annual car insurance premium up front and in full can usually help you save some money on your annual rate.

• Shop around. It’s a good idea to shop around and get quotes from multiple Illinois auto insurance companies. Comparing rates will help you find the best deal for your unique situation and coverage needs.

Cheapest liability-only car insurance in Elgin: Progressive

All vehicle owners in Elgin must carry liability-only insurance. Also known as state-minimum coverage, liability-only insurance covers your legal and financial responsibilities when you cause an accident that results in bodily injuries or property damage to another person. This policy provides no coverage for your losses.

The cheapest insurer for liability-only car insurance in Elgin is Progressive, with an average cost of $50 per month.

You can see which car insurance companies in Elgin have the cheapest liability-only insurance policies in the table below.

Cheapest full-coverage car insurance in Elgin: Auto-Owners

Full-coverage car insurance provides more protection for you and your vehicle than liability-only insurance. It’s optional for most drivers, but your lender or lessor may require it if you finance or lease your vehicle.

A standard full-coverage policy includes collision insurance, which pays for your vehicle’s repairs after an at-fault crash. It also includes comprehensive insurance, which covers non-collision damages, such as theft, hail damage, fires, and floods.

Full-coverage insurance offers more peace of mind, but the rates are higher than minimum coverage, at an average of $154 a month in Elgin. Still, drivers in Elgin can find cheap full-coverage rates from Auto-Owners for $70 per month.

These companies have the cheapest full-coverage insurance in Elgin:

Car insurance requirements in Illinois

Car insurance is a legal requirement for all vehicle owners in Elgin. The minimum coverage requirements are represented at 25/50/20. Additionally, Illinois is a tort state. In the event of an accident, the at-fault driver must compensate the other person for their losses if the at-fault driver is more than 50% responsible for the accident.

Here are Illinois’ minimum insurance requirements:2

In addition to the mandatory car insurance coverage, Illinois drivers can often benefit from adding optional policies. Some of the most common endorsements include:

Cheapest car insurance for drivers with an incident

Drivers with incidents on their record, such as speeding tickets or at-fault accidents, usually pay higher rates for car insurance than people with a clean record.

The actual rate increase will vary depending on several factors, but more serious violations tend to have a greater influence on your rate. For example, driving under the influence will likely result in a more significant rate hike than a speeding ticket.

Cheapest car insurance for drivers with a speeding ticket: Progressive

Getting a speeding ticket may not seem like a major traffic violation, but a speeding ticket can affect your car insurance premium. Elgin reported 121 speeding ticket citations in 2022, and getting a speeding ticket will likely increase your car insurance premiums.1

In Elgin, car insurance costs an overall average of $146 a month after a speeding ticket. Drivers can still find cheap liability rates from Progressive for $60 per month.

These companies have the cheapest car insurance in Elgin for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

If you cause an accident, you can expect your car insurance company to raise your premium. Drivers who get into one accident are more likely to cause more accidents in the future. Because drivers with a history of accidents are riskier to insure, they often pay higher rates for Elgin auto insurance. 

In Elgin, drivers with at-fault accidents pay an average of $115 per month for liability-only coverage, and $202 for full coverage. You can see which car insurance companies in Elgin have the lowest rates for drivers with an at-fault accident in the table below.

Cheapest car insurance for drivers with a DUI: Auto-Owners

A DUI conviction is one of the most serious traffic violations you can have on your record. If you are convicted of driving under the influence, your car insurance rate will almost certainly increase. Depending on your insurer and the circumstances of the incident, your premium could increase significantly.

Elgin drivers with a DUI pay an overall average of $195 for car insurance. Auto-Owners offers the cheapest liability insurance for drivers with a DUI at $78 per month.

While drivers with a DUI generally pay high insurance rates, some companies offer lower rates than others. These companies have the cheapest rates for Elgin drivers with a DUI.

Cheapest car insurance for seniors: Auto-Owners

Senior drivers often pay higher car insurance prices than middle-aged drivers. Car insurance rates tend to decrease around age 35 but increase again around 70. This is because older adult drivers are more likely to sustain injuries in an accident and have higher fatal accident rates than younger adults.4 

Car insurance for seniors costs $74 per month for liability coverage and $129 for a full-coverage policy, on average.

These car insurance companies have the cheapest rates for seniors in Elgin:

Cheapest car insurance for teens: Auto-Owners

Teen drivers typically pay the most expensive car insurance rates of any age group. Data shows that drivers between the ages of 16 and 19 have a higher accident rate than other age demographics and are more likely to make driving errors that lead to serious collisions.5

However, teen drivers can lower their car insurance premiums in a few ways. For example, many insurers offer discounts to high school students who get good grades or drivers who insure a vehicle with advanced safety features. Teens can also get cheaper car insurance by staying on their parents’ policy.

Teen drivers in Elgin pay an overall average of $256 a month for car insurance in the city. However, teen drivers can still find cheap coverage from Auto-Owners for $102 per month.

You can see which car insurance companies in Elgin have the lowest average rates for teen drivers in the table below:

Elgin car insurance quotes by credit tier

Most states, Illinois included, allow car insurance companies to use drivers’ credit history to determine premiums.6 Insurers view people with excellent or good credit history as having a lower risk of filing a claim, while people with poor credit history have a higher risk.

Here’s how your credit score can affect your premiums in Elgin, Illinois.

Is car insurance more expensive in Elgin?

The overall average car insurance premium in Elgin is $121 per month, which is much cheaper than the U.S. national average rate of $143 per month. Elgin also has cheaper car insurance than the Illinois average of $116 per month.

Elgin has more affordable car insurance than other places for several reasons. For example, accident rates in the city have been trending down over the last few years. The number of traffic stops in Elgin has also decreased. Areas with safe drivers often have lower average car insurance premiums.1

More cities in Illinois

Elgin has cheaper car insurance rates than most other major ZIP codes in Illinois. Here’s how it compares to other cities in the state.

Elgin car insurance FAQs