Elgin Auto Insurance Rates, Quotes, Agents & Reviews in IL

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.

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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.


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. 


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 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 Farm
This 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.
I 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.
They offer good prices for their insurance, they even offer bundles that make the insurance cost lower.
I 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 Farm
Great 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.
Progressive 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 Farm
State Farm's premium prices seem high compared to other insurance companies such as All State, Nationwide, Progressive, and Geico.
Farmer's Insurance
The 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 Farm
I like how even though the company doesn't help me, the customer service agents are always very helpful and polite
Great customer service, usually respond right on time so that's good don't really much complaints.
There 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.
This company offers no frills, just the basics.