Elgin, IL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Elgin, IL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
What Makes Car Insurance Expensive in Elgin, IL
The average cost of auto insurance in Elgin, IL, is $1,052. It is lower than the price of insurance in neighboring places such as South Elgin, Sleepy Hollow, Gilberts, Bartlett, and West Dundee. Several factors can affect the cost of auto insurance in Elgin. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.
Some of the factors that could increase the cost of auto insurance are as follows:
Age Group:
The cost of auto insurance clearly depends on the age of the driver. Auto insurance is the cheapest for drivers who are in their fifties and sixties ($928 and $941) in Elgin. Teenagers are considered to be more risk-prone to accidents and continue to find auto insurance expensive at $3,414.
Credit Score:
A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be as low as $903.
DUI:
DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Elgin can be as high as $1,708.
Driving Violations:
Driving Violations such as driving with an expired license or speeding can also have a severe impact on the cost of auto insurance in Elgin, IL, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive. The former leads to an increase of $258, while the latter leads to an increase of $709.
Deductibles:
This is one of the most common factors influencing the cost of auto insurance in Elgin, IL. A low deductible ($500), usually increases the value of auto insurance, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 is $1,406, and it decreases to $1,188 when the deductible is $1,000.
Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.
Factors that can influence the cost of car insurance in Elgin, IL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Elgin, IL Auto Insurance Rates
- Elgin, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Elgin, IL
- Multi Vehicle Insurance Savings in Elgin, IL
- How Credit Score Affects Car Insurance Rates in Elgin, IL
- How DUI Affects Auto Insurance Premiums in Elgin, IL
- Top Auto Insurance Agents Near Elgin, IL
- How Driving Violations Affect Auto Insurance Rates in Elgin, IL
- Elgin, IL Auto Insurance Discounts on Anti Theft Feature
- Elgin, IL Auto Insurance Company Reviews
Elgin, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Elgin, IL with that of other cities in and around Elgin.
| Elgin | South Elgin | Sleepy Hollow | Gilberts | Bartlett | West Dundee | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,052 | $1,285 | $1,337 | $1,313 | $1,073 | $1,318 |
Elgin, IL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Elgin, IL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Elgin | $1,406 | $1,188 |
| South Elgin | $1,523 | $1,287 |
| Sleepy Hollow | $1,168 | $987 |
| Bartlett | $1,413 | $1,194 |
| Dundee | $1,850 | $1,563 |
| West Dundee | $1,675 | $1,415 |
| Gilberts | $1,851 | $1,563 |
| East Dundee | $1,565 | $1,322 |
Elgin, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Elgin, IL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,414 |
| 20 Years | $1,352 |
| 30 Years | $1,041 |
| 40 Years | $1,002 |
| 50 Years | $928 |
| 60 Years | $941 |
| 70 Years | $1,095 |
Elgin, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Elgin, IL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,809 | $295 |
| 3 Vehicles | $2,714 | $442 |
| 4 Vehicles | $3,619 | $589 |
Savings on 2 Vehicles bundle:$295
Savings on 3 Vehicles bundle:$442
Savings on 4 Vehicles bundle:$589
Elgin, IL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Elgin, IL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Elgin | $1,052 | $1,708 |
| South Elgin | $1,285 | $2,086 |
| Sleepy Hollow | $1,337 | $2,170 |
| Bartlett | $1,073 | $1,742 |
| Dundee | $1,218 | $1,977 |
| West Dundee | $1,318 | $2,140 |
| Gilberts | $1,313 | $2,132 |
| East Dundee | $1,390 | $2,257 |
Elgin, IL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $903 |
| Excellent (740-799) | $1,030 |
| Good (670-739) | $1,096 |
| Average (580-669) | $1,430 |
| Poor (300-579) | $1,716 |
Elgin, IL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Sherri Wheeler | Farmers | 2560 Foxfield Rd Ste 120, Saint Charles, 60174 | (630) 443-3333 |
| Kamm Insurance Group Inc | Liberty Mutual Independent | 7N024 Rd , Medinah, 60157 | None |
| Equity Insurance Agency Inc | Travelers | 33 W ROOSEVELT RD, LOMBARD, 60148 | 630-627-7764 |
| Axis Ins Services Inc | Travelers | 3701 ALGONQUIN RD STE 865, ROLLING MEADOWS, 60008 | 847-496-4255 |
| Jay Schack | State Farm | 152 Bartlett Plaza, Bartlett, 60103-4234 | 630-830-9713 |
| Chris Knapp | State Farm | 1103 W Main St, St Charles, 60174-1755 | 630-584-8500 |
| Lundstrom Insurance | Travelers | 2205 POINT BLVD STE 200, ELGIN, 60123 | 847-741-1000 |
| Kane Insurance Group Inc | Erie | 4016 N Lincoln Avenue, Chicago, 60618 | None |
Elgin, IL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$46 | $1,098 |
| Driver's Failure In Showing Documents | +$102 | $1,154 |
| Driving With An Expired Registration | +$108 | $1,160 |
| Driving At A Considerably Slow Pace | +$228 | $1,280 |
| Using A Cellphone While Driving | +$241 | $1,293 |
| Running A Red Light | +$245 | $1,297 |
| Speeding | +$258 | $1,310 |
| Driving A Vehicle Without The Required Permission | +$327 | $1,379 |
| Driving With An Expired/Suspended License | +$709 | $1,761 |
Elgin, IL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,010 |
| Active Disabling Device | $1,010 |
| Tracking Device | $989 |
| Passive Disabling Device | $978 |
Latest Auto Insurance Reviews in Elgin, IL | Back to Top
State FarmThis is hard to tell, because I have no clue to measure this. Honestly, unless there is some sort of real life example for the same type of incident, I don't feel qualify answering this.
ProgressiveI think the customer service is pretty good, from the few times I've had to deal with them. It would be nice if they didn't ask so many questions before giving assistance though.
ProgressiveThey offer good prices for their insurance, they even offer bundles that make the insurance cost lower.
AaaI feel that AAA is the same as any other car insurance company. You get penalized for using a service that you pay for but you're forced to have car insurance.
State FarmGreat service all the way around . They have competitive pricing but your car is covered and taken care of with any issues . I truly appreciate their service.
ProgressiveProgressive is like the nu,ber one insurance company in the us. They are easy to deal with if you do everything online but if ouare not so up to using a computer they can be a bit challenging.
State FarmState Farm's premium prices seem high compared to other insurance companies such as All State, Nationwide, Progressive, and Geico.
Farmer's InsuranceThe premium is comparable to everyone else in my opinion, its about $100 a month and I don't get anything back for being a safe driver or not getting in accidents, it just doesn't go up.
State FarmI like how even though the company doesn't help me, the customer service agents are always very helpful and polite
MercuryGreat customer service, usually respond right on time so that's good don't really much complaints.
TravelersThere was one time where I had to wait a long time on hold to talk to somebody. I also do not like if you leave their insurance plan if you are on a plan with other people, they put you on the excluded list.
AaaThis company offers no frills, just the basics.