Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Elgin, IL for senior drivers are $1,877/year
  • The cheapest car insurance company in Elgin after a DUI is Liberty Mutual
  • Average car insurance rates in Elgin, IL are $280/month

Average car insurance rates in Elgin, Illinois are $280 a month. But with a little research you can get a great deal from the top car insurance companies in Elgin, IL. Before you buy Elgin, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

It may even be helpful to compare Elgin car insurance rates with Naperville car insurance rates, Cicero car insurance rates, or Peoria car insurance rates to make sure you’re getting the best Elgin, IL car insurance quotes available.

Need affordable Elgin, IL car insurance? Enter your ZIP code to compare Elgin car insurance quotes from multiple car insurance companies near you.

Elgin, IL Minimum Car Insurance Coverage

Elgin, Illinois law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Elgin, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Elgin, IL Car Insurance Rates by Coverage Level

Some Elgin drivers can get by with the Illinois minimum coverage of 25/50/20. Other drivers may need more. See how much your Elgin, Illinois car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Elgin, Illinois

Insurance Company Low Medium High
Allstate $5,187 $5,352 $5,533
American Family $3,677 $3,977 $3,854
Farmers $4,637 $4,766 $5,272
GEICO $2,607 $2,881 $3,178
Liberty Mutual $2,215 $2,346 $2,492
Nationwide $2,288 $2,347 $2,339
Progressive $3,624 $3,949 $4,319
State Farm $2,538 $2,710 $2,867
Travelers $2,471 $2,653 $2,846
USAA $2,402 $2,575 $2,755

Elgin, IL Car Insurance Rates by Age, Gender, and Marital Status

Elgin, Illinois car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Elgin, IL car insurance, get quotes from multiple car insurance companies in the Elgin area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elgin, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,385 $3,400 $3,550 $3,550 $8,916 $11,582 $4,072 $4,402
American Family $2,361 $2,361 $2,168 $2,168 $6,816 $9,395 $2,361 $3,054
Farmers $2,556 $2,554 $2,258 $2,395 $11,445 $11,949 $2,925 $3,049
GEICO $1,714 $1,760 $1,671 $1,912 $5,905 $6,117 $1,996 $2,033
Liberty Mutual $1,405 $1,514 $1,162 $1,300 $4,930 $5,485 $1,468 $1,544
Nationwide $1,501 $1,522 $1,345 $1,417 $4,041 $5,153 $1,741 $1,877
Progressive $2,234 $2,091 $1,846 $1,939 $8,512 $9,542 $2,662 $2,886
State Farm $1,612 $1,612 $1,461 $1,461 $5,108 $6,444 $1,828 $2,114
Travelers $1,623 $1,710 $1,506 $1,604 $4,973 $6,317 $1,714 $1,804
USAA $1,534 $1,553 $1,427 $1,397 $5,001 $5,498 $2,011 $2,198

Elgin, IL Car Insurance Rates for Teens

How much is Elgin, Illinois car insurance for teens? Compare rates from top Elgin car insurance companies below to help find the cheapest teen car insurance in Elgin, IL.

Annual Car Insurance Rates for Teen Drivers in Elgin, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,916 $11,582
American Family $6,816 $9,395
Farmers $11,445 $11,949
GEICO $5,905 $6,117
Liberty Mutual $4,930 $5,485
Nationwide $4,041 $5,153
Progressive $8,512 $9,542
State Farm $5,108 $6,444
Travelers $4,973 $6,317
USAA $5,001 $5,498

Elgin, IL Car Insurance Rates for Seniors

Before seniors buy Elgin, Illinois car insurance, they should make sure to shop around. Some Elgin, IL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Elgin, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,550 $3,550
American Family $2,168 $2,168
Farmers $2,258 $2,395
GEICO $1,671 $1,912
Liberty Mutual $1,162 $1,300
Nationwide $1,345 $1,417
Progressive $1,846 $1,939
State Farm $1,461 $1,461
Travelers $1,506 $1,604
USAA $1,427 $1,397

Elgin, IL Car Insurance Rates by Credit History

How does your credit history affect Elgin, IL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Elgin, Illinois

Insurance Company Poor Fair Good
Allstate $6,818 $4,934 $4,319
American Family $5,087 $3,476 $2,944
Farmers $5,539 $4,682 $4,453
GEICO $4,642 $2,263 $1,761
Liberty Mutual $3,318 $2,081 $1,654
Nationwide $2,764 $2,243 $1,967
Progressive $4,500 $3,836 $3,556
State Farm $3,931 $2,356 $1,828
Travelers $3,226 $2,623 $2,120
USAA $3,425 $2,359 $1,947

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Elgin, IL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Elgin, Illinois car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Elgin.

Annual Elgin, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,780 $6,541 $6,088 $5,021
American Family $2,820 $4,001 $5,325 $3,197
Farmers $4,125 $5,335 $5,201 $4,905
GEICO $1,982 $3,075 $4,135 $2,363
Liberty Mutual $1,953 $2,790 $2,442 $2,220
Nationwide $1,889 $2,421 $2,831 $2,158
Progressive $3,253 $4,882 $3,609 $4,112
State Farm $2,452 $2,958 $2,705 $2,705
Travelers $2,104 $2,773 $3,105 $2,643
USAA $1,836 $2,645 $3,614 $2,215

Elgin, IL Car Insurance Rates With a DUI

Even a single DUI can increase your Elgin, IL car insurance rates. Compare rates below to see which Elgin car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Elgin, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,088
American Family $5,325
Farmers $5,201
GEICO $4,135
Liberty Mutual $2,442
Nationwide $2,831
Progressive $3,609
State Farm $2,705
Travelers $3,105
USAA $3,614

Elgin, IL Car Insurance Rates by ZIP Code

Just like Elgin car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Elgin, IL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Elgin, Illinois

ZIP Code Average Annual Rates
60120 $3,467
60123 $3,343
60124 $3,277
60140 $3,220

Elgin, IL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Elgin, IL car insurance rates may be. Let’s take a look at average car insurance rates from top Elgin companies based on commute time.

Annual Car Insurance Rates by Commute Length in Elgin, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,357 $5,357
American Family $3,787 $3,884
Farmers $4,891 $4,891
GEICO $2,838 $2,939
Liberty Mutual $2,351 $2,351
Nationwide $2,325 $2,325
Progressive $3,964 $3,964
State Farm $2,637 $2,773
Travelers $2,552 $2,761
USAA $2,505 $2,649

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Elgin, IL Cheapest Car Insurance Rates

How do the top Elgin, Illinois car insurance companies’ average rates stack up against the Elgin average monthly car insurance rates of $280? Take a look and see.

Best Annual Car Insurance Rates by Company in Elgin, Illinois

Category Insurance Company
Teenagers Nationwide
Seniors Liberty Mutual
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI Liberty Mutual
With 1 Speeding Violation Nationwide

Elgin, IL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Elgin, Illinois car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Elgin, Illinois

Insurance Company Average Annual Rates
Allstate $5,357
American Family $3,836
Farmers $4,891
GEICO $2,889
Liberty Mutual $2,351
Nationwide $2,325
Progressive $3,964
State Farm $2,705
Travelers $2,656
USAA $2,577

Other Factors Affecting Elgin, IL Car Insurance Rates

Before you buy Elgin, Illinois car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Elgin, IL Commute Time

How does your Elgin, IL commute time compare with the average driver? In Elgin, the average commute is 28.5 minutes.

Elgin, IL Traffic

Spending time in Elgin traffic can lead to higher car insurance rates. According to INRIX data, Elgin, IL ranks as the 862nd-most congested with traffic in the world.

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Elgin, IL Car Insurance Quotes

Compare Elgin, IL car insurance quotes from multiple companies by entering your ZIP code now.