Best Elgin, IL Auto Insurance in 2024 (Compare the Top 10 Companies)

Farmers, Nationwide, and Geico offer the best Elgin, IL auto insurance, with rates starting around $45.

Farmers offer great coverage with plenty of helpful tools, Nationwide makes claims a breeze, and Geico is all about keeping prices low. Keep in mind that your rate could change depending on things like your driving history, vehicle, and credit score, especially if you’re considered a high-risk driver. This guide breaks down these top providers to help you find the perfect coverage for your needs.

Our Top 10 Company Picks: Best Elgin, IL Auto Insurance

By comparing these providers, you’ll find the perfect Elgin, Illinois, auto insurance for your needs. Just enter your ZIP code in our free quote tool above to discover the best options near you.

#1 – Farmers: Top Overall Pick

Pros

• Complete Protection: Farmers gives you strong coverage options, making it one of the best choices for car insurance in Elgin. Read our Farmers auto insurance review.
• Affordable Pricing: With minimum coverage starting at just $52, it’s a wallet-friendly option for drivers in Elgin, Illinois.
• Multi-Policy Savings: Farmers provides a 20% discount when you combine auto with home insurance, offering more savings for Elgin, Illinois policyholders.

Cons

• Higher Premiums for Some Vehicles: Premiums might be higher for certain vehicles, even with discounts, making it less ideal for some drivers.
• Limited Discounts for New Drivers: Farmers’ discounts for new drivers may be less than those offered by other companies.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#2 – Nationwide: Best for Simple Claims

Pros

• Easy Claims Process: Nationwide’s straightforward claims process makes it easy to manage your policy and get back on track for Elgin insurance customers.
• Affordable Rates: Minimum coverage starts at $56, offering great value for drivers in Elgin, IL, auto insurance. Find out more about Nationwide auto insurance review.
• Policy Combination Discounts: Nationwide offers a 20% discount for combining auto with other types of insurance, perfect for Elgin, Illinois drivers.

Cons

• Limited Discounts: The discounts available here may not be quite as extensive as in other Elgin, Illinois, insurance providers.
• Higher Premiums for Younger Drivers: Younger drivers may face higher rates due to Nationwide’s pricing model.

#3 – Geico: Best for Affordable Rates

Pros

• Low Rates: Geico offers competitive rates starting at $47 for minimum coverage, making it one of the cheapest options for Elgin, Illinois car insurance.
• Wide Range of Discounts: Geico offers a 25% discount for bundling and multiple other discounts like multi-car and safe driver for Elgin, IL auto insurance customers.
• Excellent Customer Service: Geico is well-regarded for its customer service and quick responses for drivers in Elgin, Illinois. Discover more on our Geico auto insurance review.

Cons

• Limited Coverage Options: Geico may not offer as many flexible options for high-value or specialty vehicles.
• Premium Increases for High-Risk Drivers: High-risk drivers may experience rate increases, even with discounts.

#4 – State Farm: Best for Customer Service

Pros

• Strong Customer Service: The record shows that State Farm is known for proficiently managing its clients. No wonder policyholders in Elgin, Illinois, receive personalized, high-level service.
• Competitive Rates: Minimum coverage rates start at $49, offering affordability while maintaining great coverage for Elgin insurance drivers. Get more details in our State Farm auto insurance review.
• Discounts for Multi-Policy Holders: State Farm offers significant savings when you bundle multiple policies, increasing savings for Elgin, IL auto insurance holders.

Cons

• Lower Discounts for Safe Drivers: Discounts for safe driving may not be as high as those of some competitors.
• Limited Online Tools: The online tools offered by State Farm may not be as advanced as other companies.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#5 – Progressive: Best for Online Management

Pros

• User-Friendly Online Tools: Progressive offers excellent online tools for managing your policy and filing claims with ease for car insurance in Elgin. Visit our Progressive auto insurance review.
• Competitive Minimum Coverage Rates: The basic car insurance plan is available at the low cost of $53 and is indeed reasonably priced when compared to local rates in Elgin, IL.
• Discounts for Safe Drivers and More: Progressive offers discounts like multi-car, bundling, and safe driver, with up to 10% savings for Elgin, Illinois policyholders.

Cons

• Higher Rates for New Drivers: Premiums can be higher for young or less experienced drivers.
• Limited Physical Locations: Progressive offers fewer in-person office locations, which can be inconvenient for some policyholders.

#6 – Allstate: Best for UBI Savings

Pros

• Usage-Based Insurance (UBI) Discounts: Allstate offers discounts based on your driving habits, which are perfect for safe drivers looking to save on Elgin insurance.
• Wide Coverage Options: Allstate have provided a number of coverage options and as such they provide one of the best Elgin auto insurance as per the needs of many people.
• Affordable Rates: Minimum coverage starts at $58, offering great value for protection in Elgin, IL auto insurance. Take a closer look at our Allstate auto insurance review.

Cons

• Higher Premiums for Risky Drivers: Drivers with a poor history may face higher premiums, even with discounts.
• Complicated Claims Process: Some customers report that Allstate’s claims process is slower and more complicated than others.

#7 – American Family: Best for Costco Members

Pros

• Exclusive Discounts for Costco Members: American Family offers special discounts for Costco members, making it a great option for those eligible in Elgin, IL auto insurance.
• Comprehensive Coverage: American Family provides excellent coverage options that suit a variety of driver needs in Elgin, Illinois.
• Competitive Rates: Minimum coverage rates start at $45, ensuring affordable Elgin, Illinois auto insurance for drivers. Learn more in our American Family auto insurance review.

Cons

• Limited Availability: American Family may not be available in all regions, which can limit its accessibility for some Elgin insurance customers.
• Higher Premiums for Young Drivers: Like many other insurers, American Family’s premiums may be higher for younger drivers.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#8 – USAA: Best for Military Benefits

Pros

• Exclusive Military Discounts: USAA offers special rates and discounts for military members, making it the best choice for active and retired service members seeking Elgin, IL auto insurance.
• Great Value: With an introductory rate set as low as $50 one would hardly find such an offer elsewhere when dealing with military customers in Elgin, Illinois.
• Outstanding Service: The USAA’s attention to customer service is so high that Elgin military spouses should consider it as their first and preferred choice.

Cons

• Eligibility Restrictions: USAA is only available to active-duty military, retired service members, and their immediate families, so it’s not an option for everyone.
• Limited Local Offices: USAA operates primarily online, which may be a drawback for those who prefer in-person support. Visit our USAA auto insurance review to learn more.

#9 – Liberty Mutual: Best for Uber Drivers

Pros

• Special Coverage for Uber Drivers: Liberty Mutual offers rideshare-specific coverage, making it a great option for Uber drivers in Elgin, IL auto insurance.
• Safe Driver Discounts: Liberty Mutual provides discounts for safe drivers, helping reduce overall premiums for Elgin insurance policyholders.
• Affordable Rates: For the ideal insurance policy, you should look for auto insurance in Elgin, Illinois, for coverage costing a minimum of $55. Check out our Liberty Mutual auto insurance review.

Cons

• Higher Premiums for Younger Drivers: Compared to other insurance providers in Elgin, IL, the premiums charged for younger drivers can indeed be higher.
• Limited Claims Support Hours: Liberty Mutual’s claims support may have limited hours, causing potential delays in assistance.

#10 – Travelers: Best for Coverage Options

Pros

• Variety of Coverage: Travelers extends a variety of travel insurance solutions. They are bound to have something that caters to the different needs of motorists in Elgin, IL.
• Competitive Rates: In Elgin, Illinois auto insurance, Minimum coverage starts at $54. It offers a cheap solution for those needing good security.
• Discounts for Safe Drivers: Travelers offers discounts for safe drivers, which can help reduce your premium for Elgin, IL auto insurance. Visit our Travelers auto insurance review.

Cons

• Limited In-Person Locations: Travelers has fewer physical office locations, which can make it harder for those who prefer face-to-face service.
• Higher Premiums for High-Risk Drivers: Drivers with a poor driving record may face higher premiums with Travelers.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Elgin, IL Auto Insurance Rate Overview

Auto insurance is a must for any driver, but picking the right plan in Elgin, IL, can be tricky. With different coverage options and rates, it’s important to know what fits your needs and budget—whether that’s basic coverage or something more comprehensive.

Elgin, IL Auto Insurance Monthly Rates by Provider & Coverage Level

Minimum coverage is the cheapest but offers limited protection. Full coverage costs more, but it provides better security. Allstate and Liberty Mutual offer full coverage, though Geico and American Family tend to be more affordable.

You can also save with discounts, like bundling auto and home insurance or being a safe driver in the streets of Elgin, Illinois, or a military member. USAA has special rates for military families, and other companies offer discounts for safe driving or an accident-free record or be rewarded with good student discounts.

Auto Insurance Discounts From the Top Providers in Elgin, IL

Auto insurance while living in Elgin, Illinois, is often about finding a compromise between coverage and budget. So be it a student looking to save up money, or a couple with children who needs maximum protection – there are quite a few opportunities to economize.

By exploring your options and using discounts that match your lifestyle, you can lower your payments and enjoy more peace of mind. Keep reading to learn more about auto insurance in Elgin and how to find the best deal for you.

Auto Insurance Coverage Requirements in Elgin, IL

Driving legally in Elgin requires:

Coverage	Requirements	Most Common
Bodily Injury Liability	20,000/40,000	100,000/300,000
Property Damage Liability	15,000	100,000
Uninsured Motorist Bodily Injury	Not required	20,000/40,000
Medical Payments	Not required	5,000
Collision	Not required	500 deductible
Comprehensive	Not required	250 deductible

Yes, we understand that the difference between the middle column (bare legal minimum requirements) and the suggested coverage amounts is pretty stark. The difference in your monthly premiums can be fairly dramatic, as well. But you have to take into account what your financial needs are.

Can you get away with carrying minimal insurance on your vehicle? Or do you drive a newer, more expensive one that requires substantially more coverage? Only you and your insurance provider can really come up with the best answer to such questions. With the right auto insurance coverage options, you can find a policy that fits both your needs and your budget.

However, Illinois drivers will be relieved to know that finding a better deal on their car insurance policy isn’t as difficult as it may be in other states.

The average Illinois resident is probably only paying less than $70 a month for an adequate level of coverage. But the definition of adequate will vary from one driver to another.

Your specific circumstances – along with the company you purchase a policy from – will determine whether or not your average is above or below what most other drivers are paying.

Elgin, IL Average Monthly Auto Insurance Premiums

There are several companies offering competitive rates, like Illinois Vehicle Auto Insurance in Elgin. Right now, Dairyland and Cincinnati Insurance seem to be leading the pack, while Elephant and The General are falling behind. But whether you’ll score the best deals depends on a lot of unpredictable factors.

Below, you will read more about them – and even learn some strategies to bend circumstances in your favor.

Getting a fair price for Illinois auto insurance does not have to be an impossible struggle. We have helped drivers like you save 29% or more of their monthly premiums in a single day.

Comparing Elgin, IL auto insurance rates by using sites like ours is the quickest and most efficient way to do that.

But it’s equally important to educate yourself on how Elgin, Illinois car insurance companies determine your rates in the first place – and what you can do to get yourself the lowest monthly premium possible.

Major Factors for Cheap Car Insurance in Elgin, Illinois

When determining premiums, there are some very important things that you need to keep in mind. For starters, with certain exceptions, Elgin, IL auto insurance companies are looking to sell policies to drivers they believe will be less likely to get into an accident.

The longer you go without getting into an accident or filing a claim, the higher their profits. Higher profits make insurance companies happy, and they reward safe drivers with lower premiums.

Elgin, IL Report Card: Auto Insurance Premiums

The more you can do to make yourself look like a safe driver, the more likely it’ll be that you can get these lower premiums from your insurance provider.

Your ZIP Code

There are currently around 114,521 residents in Elgin, IL right now. And the average household is bringing in just over $61,000 a year. This is just a snippet of the information your insurance company can instantly learn about you when you give them your ZIP code.

Your ZIP code is important because not only does it tell your insurance company where you are going to be spending most of your time driving, but it can give them a plethora of statistical data which can help them calculate your likelihood of getting into an accident.

Elgin, IL Auto Insurance by ZIP Code

Automotive Accidents

Some of the data points your insurance company will get from your zip code are fatal accidents statistics for your area. As far as Elgin goes, the rate of deadly accidents which occur within city limits is relatively low, especially when you consider the population density.

Elgin, IL Accidents & Claims per Year by City

It’s also a good time to ask your insurer, “What is liability auto insurance?” and understand how it impacts your rates. Talking to your provider about how you might be a lower-risk driver could help you save money on your premiums.

Auto Thefts in Elgin

Did you know that there were only 68 Vehicles stolen in Elgin back in 2016? What’s even better is that this is reflective of a gradual downward trend over the last few years. Having a lower risk of auto theft or vandalism will have a modest yet important impact on lowering your premiums.

You can even take this financial boon a step further and make sure that you have a passive alarm installed in your vehicle for added protection. Most Elgin, Illinois auto insurance companies will give you discounts for this.

Basic vs. Comprehensive Auto Policy in Elgin, IL

Your Credit Score

Many people have a love-hate relationship with their credit score. Earning and maintaining good credit seems effortless for some lucky individuals.

But for anyone who’s ever struggled financially, getting out of the black hole which is a bad credit score, it can feel oppressively impossible. If you’re in that financial hole right now, consider lower rates on your car insurance just that much more inspiration for you to clean up your credit.

There are many different free websites you can use to track your score. Many of these sites also publish informative articles and strategy guides to help you build your credit back up over time absolutely free.

Elgin, IL Auto Insurance by Credit Score

Your Age

If you are under the age of 25 – or if you have an older child who is under the age of 25 – finding an affordable Elgin, IL auto insurance policy may seem impossible. Don’t get us wrong, it is very difficult. And it will likely remain fairly expensive until they get a few extra years of driving experience under their belts.

But bundling your young driver onto a family policy, getting good grades, taking driver’s education courses, and even modifying your insurance policy coverage when they are away at college can help put a dent in that exorbitant expense.

Elgin, IL Auto Insurance by Age

Your Driving Record

Driving safely and keeping your driving record clean is a major step in the right direction toward getting the most affordable insurance rates possible. But having a few tickets here or a couple of filed claims there will not condemn you to a lifetime of more expensive premiums.

Most companies will no longer factor in previous accidents or tickets if those infractions are 5 years old or older. Some generous companies are even willing to forgive past transgressions as old as three years or more.

Yet other providers may be willing to give you more lucrative discounts if you already have a clean record and plan on keeping it’s that way for the foreseeable future.

Elgin, IL Auto Insurance by Driving Violations

Your Vehicle

Different vehicles will have different coverage needs. You should keep this in mind when shopping around for a policy for your particular vehicle. Older cars, especially those which were more reasonably priced to begin with, won’t need quite as much coverage as a brand new Benz or a Corvette, for example.

The more expensive it is to repair or replace your car, especially if you buy it brand new, the more coverage you will need to buy – which will make your monthly auto insurance premiums that much more expensive.

Elgin, IL Auto Insurance by Make/Model

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Minor Factors for Cheap Auto Insurance in Elgin, Illinois

Of course, tweaking some of the factors below can add up to some extra savings over time:

Your Marital Status

If you’ve recently tied the knot, congratulations! While we can’t give you a wedding gift personally, we can offer some valuable advice: Combining Car Insurance After Marriage by bundling your auto insurance with your partner could save you up to 10 percent on your monthly premiums.

Sometimes even more, depending on the company. However, this isn’t always guaranteed, so make sure to chat with your partner and your respective auto insurance providers to see if staying single with your coverage makes more sense.

Your Gender

Some people believe that women are more dangerous behind the wheel than men because they are more emotional and tend to panic in stressful situations that require quick decision-making.

Others argue that men are the more dangerous drivers because their higher testosterone levels make them more aggressive, leading to risk-taking behavior, which is more likely to cause an accident.

Most companies don’t take gender into account anymore. However, you should ask your insurance agent which side of this fence your provider falls under – and, based on their policies, decide whether or not your current insurance company is right for you.

Your Driving Distance to Work

The more time you spend driving to and from work, and the more often you have to make that commute, the higher your likelihood of an accident – and the higher your likelihood of getting charged a higher monthly car insurance premium.

Close to 78 percent of Elgin residents will drive alone in their own vehicle to work each day.

Around 11 percent of commuters will carpool with coworkers, which is a delightfully higher rate than nearby municipalities. For most drivers, this commute could be as short as 10 minutes or as long as 35 minutes, depending on your luck.

In general, telling your car insurance provider how much and how often you drive might not get you the best discounts. You will likely have to prove it to them by plugging one of those mileage-tracking devices into your vehicle.

If you decide to go this route, it could save you upwards of 30 percent or more of your premiums.

But be careful – if you drive more miles than you originally thought you would, if you have too many hard braking incidents, or if you drive during dangerous hours – such as rush hour traffic or after dark on the weekend when drunk driving accidents happen – your premiums could end up being more expensive.

Your Coverage and Deductibles

How high or low is your deductible right now? Most drivers just let their insurance company set it and forget it. But this can be a very expensive mistake in more ways than one.

Setting your deductible too low can help you get on the road sooner if a serious accident actually happens to you, but over the long haul, it will cost you money and higher monthly premiums which may not outweigh the cost of paying a lower deductible.

Higher deductibles, on the other hand, will save you money over time but will make it difficult to get back on the road quickly if you get into a serious accident and need to cough up the cash. It’s up to you to pick which strategy is more cost-effective for your individual needs.

Education in Elgin, IL

Around 21 percent of Elgin residents have yet to complete their high school education or earn a GED. The city also has one of the state’s largest disparities between residents who have earned a bachelor’s degree and the state average of college graduates in Illinois.

This is important because many insurance companies these days will offer around 4 – 6 percent off the monthly premiums for college-educated drivers because they believe them to be safer and more responsible behind the wheel.

Elgin, IL is an estheticians mecca for higher education. Assuming that your professional ambitions involve making people more beautiful, you can choose from the Regency Beauty Institute-Elgin, the Cannella School of Hair Design-Elgin, or the Salon Professional Academy-Elgin.

For other Industries, you can get higher education from Elgin Community College or Judson University, to name a few.

If you don’t feel like you’re getting the best deal from your auto insurance provider, you should be proactive and take steps to change it. The first step you should take is to compare rates and shop around with us.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device, which qualified for an Anti-Theft Device Discount.*

Case Studies: How Elgin, IL Drivers Found the Right Auto Insurance

Choosing the right auto insurance can be tough, so we’ve put together a few real-world examples from Elgin, Illinois, to show how different providers meet different needs—whether it’s for affordable rates, great coverage, or easy claims.

• Case Study #1 – Affordable Coverage: Sarah, a young driver in Elgin, needed something easy on the wallet but still covered her well. She found Geico with rates starting at just $45/month, plus easy online management and safe driver discount—perfect for her.
• Case Study #2 – Comprehensive Coverage: Mark, who owns a house and a car, needed more than the standard coverage. He went with Farmers due to the wide variety of insurance policies available, the helpful online tools, and the vast discounts for bundling, which provided him with the relief he sought.
• Case Study #3 – Hassle-Free Claims: After a small accident, Linda was on the hunt for a quick and painless claims process—just what she needed to get back to normal quickly. She opted for Nationwide, famous for its fast and simple claims. With their excellent customer relations, everything became much less straining.

These case studies show how different auto insurance providers cater to various needs. Whether you’re looking for affordable rates, comprehensive coverage, or hassle-free claims, there’s a provider in Elgin, IL, that’s right for you.

Each provider has its own strengths, helping Elgin, Illinois, drivers find the perfect match for their needs. Use our quote comparison tool below to get quick and affordable auto insurance coverage today.