Your preferences and driving record will impact which insurer is the cheapest for you. We found that Mercury is the cheapest provider for a minimum coverage policy. Country Financial has the lowest average rates for full coverage policies and military members. If you have a speeding ticket, Auto-Owners Insurance Company is the cheapest provider, whereas American Family is the most affordable for drivers with a DUI or at-fault accident violation. Teen drivers on a family policy can get the best rates from Progressive. We also found that Country Financial offers the best combination of cost and coverage.
Cheapest and Best Car Insurance in Elgin, IL








Cheapest Minimum Liability Car Insurance in Elgin
The most affordable auto insurance providers in Elgin for a minimum coverage policy include:
- Mercury: $266 per year
- Country Financial: $286 per year
Travelers has the highest average premium, at $529 per year. Mercury is also the cheapest auto insurance provider in Illinois, at $241 per year, on average as of October 2022.
Based on Illinois laws, your minimum coverage policy must meet the state minimum coverage requirements, including bodily injury liability, property liability damage and uninsured motorist protection.
The following coverage limits are required in Illinois:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage per accident
Liability-only coverage pays for the cost of damages up to a specified limit to the other party’s vehicle — damages to your car will not be covered. If we use the policy above as an example, the insurer will cover medical expenses up to $25,000 per person injured in an accident, up to a total of $50,000 for a single accident. For added protection, consider purchasing a full coverage policy that includes comprehensive coverage.
Cheapest Full Coverage Car Insurance in Elgin
The following insurers offer the cheapest full coverage policies in Elgin:
- Country Financial: $642 per year
- American Family: $659 per year
Hanover has the most expensive rates for a full coverage policy at $1,375 per year.
While American Family is the second-cheapest insurer in Elgin, it’s the cheapest car insurer for full coverage in Illinois, charging $703 per year as of October 2022. This demonstrates how location can affect your car insurance rate.
Full coverage car insurance policies include bodily injury liability and property damage liability protection plus comprehensive and collision coverage.
- Collision insurance offers protection for your car related to damages from a collision with another vehicle or object. It pays for any damage to your vehicle regardless of who caused the accident. Its downside is that it's expensive.
- Comprehensive insurance is somewhat similar to collision coverage, but it pays for the damage to your car due to natural disasters, vandalism or theft.
The best insurance for your needs if you have an older car is a minimum auto insurance policy. Getting a full coverage policy may translate to higher costs than the value of your car.
Cheapest Car Insurance in Elgin After a Driving Offense
These insurers offer the cheapest full coverage policies to drivers in Elgin with the following traffic violations:
- Speeding ticket: Auto-Owners Insurance Company ($771 per year)
- At-fault accident: American Family ($795 per year)
- DUI: American Family ($805 per year)
Grange Insurance is the most expensive for drivers with speeding tickets at $771 per year, while Hanover is the most expensive for those with at-fault accidents and DUI offenses at $2,156 and $2,311, respectively.
Traffic violations significantly impact your car insurance rates; even the cheapest company’s rates for drivers with poor records will still be more expensive than the average rate for a driver with a clean record.
Your auto insurance rate will likely increase in proportion to the severity of your driving offense. For instance, a 40-year-old in Elgin with a DUI offense will pay approximately $387 more per year than a driver with a speeding ticket. While car insurance will still cost more for drivers with offenses, you can save money by researching the most affordable auto insurance for a bad driving record.
Cheapest Car Insurance in Elgin for Teens and Their Families
We found the following companies offer the cheapest full coverage car insurance for 16-year-old teens added to a family policy:
- Progressive: $1,815 per year for female teens; $1,953 per year for male teens
- State Farm: $1,957 per year for female teens
- Auto-Owners Insurance Company: $2,024 per year for male teens
In Elgin, GEICO offers the most expensive coverage to female teens on a family policy at about $2,540. For male teens, Travelers charges $2,804 annually.
Car insurance rates are typically more expensive for male teens than female teens, as providers consider them riskier to insure. However, this cost difference drops off with age.
It’s less expensive to add a teen driver to a family policy than for them to purchase an individual policy. In Elgin, a 16-year-old male teenager could save up to $2,567 per year by joining a family plan rather than purchasing an individual policy.
Although having a teen driver can increase your premiums considerably, you can still find cheap car insurance for teens by reviewing multiple companies.
Cheapest Car Insurance in Elgin for Military Drivers
In Elgin, these insurers offer the cheapest full coverage policies to military members and their families:
- Country Financial: $642 per year
- American Family: $659 per year
USAA, though more expensive than other insurers at $865 per year, provides policies tailored to military drivers and their families.
For a minimum coverage policy, Mercury provides the lowest premium in Elgin at $266 per year. Country Financial is the second-cheapest insurer at $286 per year.
How to Compare Cheap Elgin Car Insurance Quotes Online
Comparing auto insurance quotes in Elgin can be overwhelming. It can take 15 minutes or more to input the personal information required for a single quote. To save time, use MoneyGeek’s car insurance calculator to quickly receive an estimate based on your age, vehicle type, coverage level and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
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Click an insurer below to visit their review page or continue to your personalized quote.
Best Car Insurance in Elgin: Summary
MoneyGeek evaluated the best insurers in Elgin based on customer satisfaction, claims management and affordability. These are the best providers in the city across the following categories:
- Best overall: Country Financial (MoneyGeek score of 81 out of 100)
- Best for service: Erie (MoneyGeek score of 70 out of 100)
- Best cheap: Country Financial (MoneyGeek score of 79 out of 100)
An insurer’s MoneyGeek score may vary across categories based on how different factors were weighted in that category. The best overall auto insurance provider in Illinois is also Country Financial. USAA is another excellent option for military members and their families.
Best Overall Car Insurance in Elgin
The best insurers for a full coverage car insurance policy in Elgin are:
- Country Financial: MoneyGeek score of 81 out of 100 ($642 per year)
- Auto-Owners Insurance Company: MoneyGeek score of 80 out of 100 ($688 per year)
Country Financial has the cheapest car insurance rates for a full coverage policy. When it comes to customer service, the insurer also excels, earning one of the highest scores among the insurers evaluated.
How was this MoneyGeek score calculated?

pros
Has a perfect score for affordability
Has the second-best customer satisfaction score
Offers glass deductible modification and portable electronics and media coverage
cons
Has a below-average rating for claims management
Lacks gap insurance, accident forgiveness and better car replacement coverage
COMPANY HIGHLIGHTS
Country Financial is the best provider due to its cheap rates and exceptional customer service. The insurer offers both common and unique add-on coverages, although options are relatively limited.
Glass deductible modification coverage covers the deductible amount on the cost of repairing damaged windshields, windows or headlights. This coverage is ideal for drivers that live in wind-prone areas, where it’s more likely their vehicle may incur damages from gravel, rocks or branches. Portable electronics and media coverage will reimburse you up to $800 to replace your laptop, phone or similar device if it’s stolen from your car. Drivers who frequently travel with their portable electronic devices may find this coverage extremely useful.
In addition, the insurer also offers common coverages like roadside assistance and rental car and/or travel reimbursement. Roadside assistance provides up to $100 to cover the cost of towing, flat tire changes, locksmith services and more if your car breaks down. Meanwhile, rental car and/or travel reimbursement coverage covers your transportation expenses up to $800 if your car is undergoing repairs.
Best Car Insurance in Elgin for Customer Service
The best car insurers in Elgin for customer service, without considering cost, are:
- Erie: MoneyGeek score of 70 out of 100 ($793 per year)
- Westfield: MoneyGeek score of 68 out of 100 ($776 per year)
Erie has the highest customer satisfaction and claims management scores. Of the 14 providers we evaluated, the insurer has the sixth-cheapest rate. You may pay slightly more for insurance with Erie, but you’ll receive exceptional customer service.
How was this MoneyGeek score calculated?

pros
Has the highest claims management and customer satisfaction rating
Provides new and better car replacement, glass deductible modification and personal property insurance
cons
Does not offer roadside assistance coverage
COMPANY HIGHLIGHTS
Erie is our top pick for customer service in Elgin, as the insurer received the highest scores in both customer service and claims management.
In addition to more common coverages, the insurer offers three rare, but widely applicable, coverage options: glass deductible modification, new car replacement and personal property insurance. Erie’s glass deductible modification, known as Glass Repair coverage, waives the deductible on repairs associated with windshields, windscreens and car windows. Policyholders may consider purchasing a Full Window Glass coverage that waives both repair and replacement costs.
Personal property insurance from Erie, also known as physical damage coverage, pays up to $350 to cover the cost of your personal belongings (clothing, luggage and more) after a covered loss. The insurer’s add-on coverage called Auto Security (better car replacement coverage) will replace your totaled car with the newest model year. This coverage only applies to vehicles that are less than two model years old.
Best Cheap Car Insurance in Elgin
In Elgin, the following insurers offer the best minimum coverage policies based on affordability and customer service:
- Country Financial: MoneyGeek score of 79 out of 100 ($286 per year)
- Westfield: MoneyGeek score of 76 out of 100 ($317 per year)
Minimum coverage policies are typically the cheapest, but they offer the lowest amount of protection against liability costs. They also don’t cover damages to your vehicle.
How was this MoneyGeek score calculated?

pros
Has the second-cheapest rates at $286 per year
Offers early-signing, legacy, multiple-car and bundling discounts
Has an above-average customer satisfaction rating
cons
Lacks airbag, paperless, anti-lock brakes and pay-in-full discounts
Ranks below average for coverage availability and claims management
COMPANY HIGHLIGHTS
Country Financial has the second-best score for customer satisfaction and affordability. Drivers looking for cheap coverage may be eligible for the numerous discounts offered by this insurer.
If you drive for three years without a speeding ticket or accident, you qualify for a safe driving discount from Country Financial. You may also pay lower rates if you insure more than one car. College students can also save money on their car insurance premium if they attend school away from home and leave their car at home unused.
Country Financial’s multi-policy discount is available for policyholders who bundle car insurance with life or renters insurance. The discount applies if you have a disability income, a country Trust Bank account or an annuity product with a balance of over $1,000. Even more opportunities are available for policyholders to save through its legacy, marriage, early-signing and occupation-related discounts.
Average Cost of Car Insurance in Elgin
As of October 2022, the average cost of auto insurance in Elgin is $827 per year, $67 lower than the average cost of car insurance in Illinois and $371 less than the national average cost of car insurance of $1,265. Several factors may impact your actual car insurance rate, including your location.
The rates above are for our sample full coverage policy, with $100,000 bodily injury protection per person, $300,000 bodily injury liability per person and $100,000 property damage protection per accident.
About Mark Fitzpatrick
