Elgin Car Insurance

The Zebra
May 30, 2018

Car Insurance in Elgin

Premiums in Elgin are relatively equivalent to state rates, as its premiums are within $44 of Illinois' average. Let’s take a look at how to save on car insurance in Elgin.

  • City Average: $1,164
  • State Average: $1,120
  • National Average: $1,427

Elgin Car Insurance by Age

With average car insurance payments of $4,666, teenage drivers have the biggest premiums out of all the age groups. The most significant fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Elgin start saving an average of 65% on car insurance. The first time drivers can expect their age to trigger a rise in insurance rates is when they turn 60. At $1,002, drivers in their 50s have the lowest rates among any age group.

  • Teenagers: $4,666
  • 20s: $1,655
  • 30s: $1,143
  • 40s: $1,113
  • 50s: $1,002
  • 60s: $1,070
  • 70s: $1,299

Elgin Car Insurance by Credit Rating

Those with Exceptional credit (800-850) pay an average of 56% less every year for car insurance than those with Very Poor credit (300-579). Drivers can save an average of 21% per year when they raise their credit tier from Fair (580-669) to Good (670-739).

  • Very Poor: $2,332
  • Fair: $1,903
  • Good: $1,506
  • Very Good: $1,226
  • Exceptional: $1,030

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Elgin Car Insurance by Gender and Marital Status

In Elgin, both marital status and gender can affect your car insurance premiums. Rates for those who are widowed are a hair cheaper than rates for those who are single. You can save roughly $80 per year if you're married as opposed to single. Premiums for men tend to be barely more expensive than for women.

  • Female: $1,160
  • Male: $1,164
  • Single: $1,164
  • Married: $1,083
  • Divorced: $1,164
  • Widowed: $1,163

Elgin Car Insurance by Accident or Violation History

Accidents and violations on your driving record can cost you in terms of car insurance rates. Reckless driving will increase your car insurance premiums more than other driving violations. In general, a DUI in Elgin will cost you 117% more in car insurance premiums versus the city average ($1,164). Reckless driving will also push your rates up, with typical rates of $2,654! Expect your annual car insurance premiums to grow by 52% if you are found at-fault in an accident in Elgin.

  • DUI: $2,522
  • Reckless Driving: $2,654
  • At-fault Accident (damages less than $1000): $1,770
  • At-fault Accident (damages greater than $2000): $1,770
  • Speeding Ticket (16-20 mph over speed limit): $1,401