Elgin, IL Car Insurance

The average auto insurance policy costs $111 per month in Elgin. Are you paying too much?

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How much does auto insurance cost in Elgin?

 

The average car insurance rate in Elgin, Illinois, is $1,341 per year. That's greater than the statewide average in Illinois ($1,303) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score and other factors in Elgin.

 
CAR INSURANCE RATES IN ELGIN
Elgin Average (annual) Illinois Average National Average
$1,341 $1,303 $1,548
 
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Elgin car insurance rates by company

 

One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical insurance customer, GEICO provides Elgin's cheapest rates. See below the best options for affordable auto insurance in Elgin. Don't forget to get car insurance quotes based on your driving profile.

 
ELGIN AUTO INSURANCE RATES BY COMPANY
Insurer Average Annual Rate
GEICO $869
Country $1,132
State Farm $1,209
American Family $1,315
Progressive $1,534
 

Read our guide to finding the best cheap auto insurance.

 

Elgin auto insurance rates by age

Elgin drivers in their 50s pay relatively affordable car insurance rates just $1,163 each year, on average. Those in their 60s don't pay much more ($1,195).

Teenage drivers pay Elgin's most expensive insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Elgin is to celebrate your 20th birthday. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Elgin is $3,235. That's the biggest gap in premiums between any pair of age brackets.

 
ELGIN AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age group Average Yearly Rate
Teens $5,104
20s $1,869
30s $1,307
40s $1,255
50s $1,163
60s $1,195
70s $1,472
 

Learn more about the impact of age on auto insurance rates.

 

Elgin auto insurance premiums by gender and marital status

 

Marital status and gender are contributing factors to car insurance rates in many cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Elgin pay $133 less than single drivers for auto insurance. In Elgin, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Elgin, female drivers pay more for auto insurance than do male drivers: $3 per year, to be precise.

 
ELGIN CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/Gender Average Annual Rate
Female $1,344
Male $1,341
Single $1,341
Married $1,208
Divorced $1,341
Widowed $1,318
 

Learn more about the impact gender and marital status have on insurance rates.

 

Elgin auto insurance rates by accident and violation history

 

If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Elgin, a reckless driving citation results in an average insurance rate increase of $799 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $732 increase and a speeding ticket triggers a $382 rate hike.

 
ELGIN CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/Violation Average Yearly Rate
DWI/DUI $2,073
Reckless Driving $2,140
At-fault Accident (damages less than $1,000) $2,000
At-fault Accident (damages > $2,000) $2,169
Speeding Ticket (16-20 mph over speed limit) $1,723
 

Learn more about citations' impact on your auto insurance rates.

 

Elgin car insurance rates by credit score

 

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. Elgin drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 58% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Elgin, improving your credit to "Fair" could help you earn $1,048 in savings on insurance premiums each year.

 
ELGIN CAR INSURANCE RATES BY CREDIT LEVEL
Credit Tier Average Annual Rate
Very Poor $2,628
Fair $1,580
Good $1,341
Very Good $1,224
Exceptional $1,101
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.