Elgin, IL Auto Insurance Rates

Elgin, IL residents can save $400 by comparing multiple quotes & reading reviews & research on Elgin car insurance rates, quotes, agents & coverage.

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$644 $1002 $1309

Latest Auto Insurance Reviews in Elgin, Illinois

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.
Write Your Review | Elgin, Illinois Auto Insurance Analysis
Geico, Elgin, IL
$63/1 month
Car Insurance Policy Holder
  • Divorced 54 Years old Male licensed 37 years ago with Own Acura ZDX used for Business with estimated annual mileage of 15,001 - 20,000.
  • Masters & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • >3 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 15 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage

Elgin Car Insurance Rate Comparisons

Elgin, IL's average car insurance of $1002 differs from Carpentersville, IL (-$8), St. Charles, IL (+$758), East Dundee, IL (+$308) and Illinois (+$320)

Elgin Carpentersville, IL St. Charles, IL East Dundee, IL Illinois
Median Insurance Rates $1002 -$8 +$758 +$308 +$320

Elgin Car Insurance Savings By Neighborhood & Street Area

Elgin Driver Street Residence & Car Locations Car Details in Elgin Elgin Driver Demographics Elgin Auto Insurance Estimates Recent Elgin Insurance Savings
Spring Lake Mobile Home Park
Butler Dr2000 Buick Regal GS40 year married woman$729$422
Monarch Dr2008 Mazda MAZDA3 i Sport64 year senior$1245$399
Douglas Rd2008 Ford Fusion I4 SE63 year female senior$1236$835
Westridge Blvd2012 Volkswagen Jetta S17 year teenager$3087$586
Edinburgh Dr2008 Cadillac DTS Base36 year married man$1676$683
Sherwood Oaks
Cobblestone Ct2011 Hyundai Sonata GLS78 year male senior$1303$807
Frank Dr2008 Jeep Liberty Limited30 year man$1371$307
Bent Ridge Ln2008 GMC Sierra 1500 SLE119 year male teenager$3506$719
Red Oak Dr2013 Honda Civic LX16 year female teenager$2597$811
Algona Ave2009 Chrysler 300 C HEMI30 year woman$806$730

Elgin Post DUI Car Insurance Rates

Elgin Campton Hills Carpentersville Gilberts Illinois
Median Post DUI Insurance Rate $1863 +$1559 -$15 -$9 +$595
Male Teenager Post DUI Insurance Rate $6988 +$5846 -$56 -$36 +$2232
Female Teenager Post DUI Insurance Rate $5888 +$4926 -$46 -$29 +$1881

The Post DUI insurance in Elgin, IL's is $1863 compared to Campton Hills (+$1559), Carpentersville (-$15), Gilberts (-$9) and Illinois (+$595)

In Elgin, a male teenager with Post DUI pays $1100 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2008 Ford Fusion I4 SE in Elgin, IL would pay $6115 on auto insurance while a female teenager POST DUI would pay $5154.

Elgin Car Insurance by Segment

Elgin Teenagers Car Insurance Rates Comparison

7937 Elgin Teenagers (7% of total population), 52% Male & 48% Female.

Elgin Carpentersville South Elgin Hanover Illinois
All Teenagers $3436 -$27 -$133 +$474 +$1098
Male Teenager $3757 -$30 -$146 +$518 +$1200
Female Teenager $3166 -$25 -$123 +$436 +$1011

Elgin teenagers pay $3436 in insurance in contrast with Carpentersville (-$27), South Elgin (-$133), Hanover (+$474) and Illinois (+$1098). The difference between Male & Female teenagers in Elgin is $591


  • 2010 Toyota Prius Male Teenager Insurance Rate $3221
  • 2013 Nissan Rogue S Female Teenager Insurance Rate $2847

Elgin Men & Women Car Insurance

109513 Elgin Adults (100% of total population), 50% Men & 50% Women.

Elgin Dundee West Dundee Campton Illinois
All Women $941 +$149 +$713 +$751 +$301
Married Women $881 +$139 +$667 +$703 +$282
All Men $1743 +$275 +$1319 +$1389 +$557
Married Men $1513 +$238 +$1144 +$1205 +$483

The typical insurance rate of $1743 that Elgin Men pay varies from Dundee (+$275), West Dundee (+$1319), Campton (+$1389) and Illinois (+$557). In Elgin, married men pay $632 more than married women.


  • 2014 Kia Sorento LX Married Men Insurance Rate $1396
  • 2014 Dodge Journey Limited Married Women Insurance Rate $1333

Elgin Senior Car Insurance

14209 Elgin Seniors (12% of total population), 42% Senior Men & 58% Senior Women.

Elgin Barrington Kane County Sleepy Hollow Illinois
All Seniors $1422 -$5 +$26 +$1020 +$455
Senior Men $1452 -$5 +$27 +$1042 +$464
Senior Women $1412 -$5 +$26 +$1013 +$452

Elgin seniors pay $1422 in insurance compared to Barrington (-$5), Kane County (+$26), Sleepy Hollow (+$1020) and Illinois (+$455). In Elgin, senior men pay $40 more than senior women.

Elgin Car Insurance Discounts for Multiple Vehicles

Elgin Population with 1 Vehicle 11654 (33% of Elgin population), 2 Vehicles 14526 (41% of the Elgin population) and 3 vehicles 5091 (14% of the population)

Elgin Plato Barrington Rutland Illinois
2 Vehicles $1904 +$1478 -$7 -$99 +$608
3 Vehicles $2906 +$2256 -$11 -$151 +$928
4 Vehicles $3908 +$3034 -$15 -$203 +$1248

Elgin Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Honda, Accord LX $1000 $1030 $1530 $940 $1940 $-410
GMC, Sierra 2500HD Work Truck $400 $1020 $1420 $940 $1340 $80
Audi, A3 2.0 TDI $300 $1050 $1350 $980 $1280 $70
Chrysler, Town & Country Limited $100 $1030 $1130 $970 $1070 $60
Ford, Explorer $200 $1000 $1200 $930 $1130 $70