Cheapest and Best Car Insurance in Elgin, IL (2023)

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 + BestCar InsuranceElgin

2023

Cheapest and Best Car Insurance in Elgin, IL

Cheapest Overall - Mercury

Cheapest Full Coverage - Country Financial

Cheapest After Driving Offense - Auto-Owners Insurance

Cheapest for Teens - Progressive

Cheapest for Military - Country Financial

Best Overall - Country Financial

Best for Customer Service - Erie

Best Cheap - Country Financial

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.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Mercury	$266	$22
Mercury	$269	$22
Country Financial	$285	$24
Country Financial	$286	$24
Westfield	$317	$26
Auto-Owners Insurance Co	$333	$28
Auto-Owners Insurance Co	$345	$29
Westfield	$348	$29
State Farm	$353	$29
Westfield	$370	$31
Erie	$370	$31
State Farm	$373	$31
Erie	$375	$31
Mercury	$380	$32
Country Financial	$390	$32
American Family	$410	$34
American Family	$414	$34
Auto-Owners Insurance Co	$427	$36
AAA	$432	$36
GEICO	$440	$37
GEICO	$443	$37
American Family	$448	$37
State Farm	$448	$37
Progressive	$451	$38
AAA	$460	$38
Grange Insurance	$475	$40
Progressive	$479	$40
Erie	$479	$40
Hanover	$492	$41
Hanover	$500	$42
Progressive	$503	$42
GEICO	$512	$43
Allstate	$514	$43
Grange Insurance	$516	$43
Allstate	$524	$44
Travelers	$529	$44
Travelers	$561	$47
AAA	$569	$47
Travelers	$594	$49
Grange Insurance	$602	$50
Country Financial	$606	$51
Hanover	$641	$53
Country Financial	$642	$53
American Family	$650	$54
Allstate	$655	$55
American Family	$659	$55
Auto-Owners Insurance Co	$673	$56
Auto-Owners Insurance Co	$688	$57
American Family	$714	$59
Mercury	$735	$61
State Farm	$763	$64
Westfield	$774	$65
Westfield	$776	$65
Mercury	$777	$65
Erie	$793	$66
Erie	$803	$67
State Farm	$822	$68
Progressive	$836	$70
Progressive	$845	$70
Country Financial	$856	$71
GEICO	$862	$72
AAA	$901	$75
Auto-Owners Insurance Co	$921	$77
GEICO	$933	$78
Travelers	$964	$80
Travelers	$975	$81
AAA	$976	$81
Grange Insurance	$983	$82
Allstate	$984	$82
Grange Insurance	$985	$82
Progressive	$1,000	$83
Westfield	$1,016	$85
Allstate	$1,017	$85
Erie	$1,023	$85
State Farm	$1,038	$87
Mercury	$1,080	$90
GEICO	$1,096	$91
Travelers	$1,119	$93
Grange Insurance	$1,214	$101
AAA	$1,222	$102
Allstate	$1,240	$103
Hanover	$1,290	$108
Hanover	$1,375	$115
Hanover	$1,789	$149

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.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Mercury	$266	$22
Mercury	$269	$22
Country Financial	$285	$24
Country Financial	$286	$24
Westfield	$317	$26
Auto-Owners Insurance Co	$333	$28
Auto-Owners Insurance Co	$345	$29
Westfield	$348	$29
State Farm	$353	$29
Westfield	$370	$31
Erie	$370	$31
State Farm	$373	$31
Erie	$375	$31
Mercury	$380	$32
Country Financial	$390	$32
American Family	$410	$34
American Family	$414	$34
Auto-Owners Insurance Co	$427	$36
AAA	$432	$36
GEICO	$440	$37
GEICO	$443	$37
American Family	$448	$37
State Farm	$448	$37
Progressive	$451	$38
AAA	$460	$38
Grange Insurance	$475	$40
Progressive	$479	$40
Erie	$479	$40
Hanover	$492	$41
Hanover	$500	$42
Progressive	$503	$42
GEICO	$512	$43
Allstate	$514	$43
Grange Insurance	$516	$43
Allstate	$524	$44
Travelers	$529	$44
Travelers	$561	$47
AAA	$569	$47
Travelers	$594	$49
Grange Insurance	$602	$50
Country Financial	$606	$51
Hanover	$641	$53
Country Financial	$642	$53
American Family	$650	$54
Allstate	$655	$55
American Family	$659	$55
Auto-Owners Insurance Co	$673	$56
Auto-Owners Insurance Co	$688	$57
American Family	$714	$59
Mercury	$735	$61
State Farm	$763	$64
Westfield	$774	$65
Westfield	$776	$65
Mercury	$777	$65
Erie	$793	$66
Erie	$803	$67
State Farm	$822	$68
Progressive	$836	$70
Progressive	$845	$70
Country Financial	$856	$71
GEICO	$862	$72
AAA	$901	$75
Auto-Owners Insurance Co	$921	$77
GEICO	$933	$78
Travelers	$964	$80
Travelers	$975	$81
AAA	$976	$81
Grange Insurance	$983	$82
Allstate	$984	$82
Grange Insurance	$985	$82
Progressive	$1,000	$83
Westfield	$1,016	$85
Allstate	$1,017	$85
Erie	$1,023	$85
State Farm	$1,038	$87
Mercury	$1,080	$90
GEICO	$1,096	$91
Travelers	$1,119	$93
Grange Insurance	$1,214	$101
AAA	$1,222	$102
Allstate	$1,240	$103
Hanover	$1,290	$108
Hanover	$1,375	$115
Hanover	$1,789	$149

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.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Westfield	$376	$31
Auto-Owners Insurance Co	$379	$32
Country Financial	$382	$32
Country Financial	$384	$32
Mercury	$391	$33
Auto-Owners Insurance Co	$392	$33
State Farm	$392	$33
State Farm	$392	$33
Mercury	$402	$33
Erie	$408	$34
Westfield	$413	$34
Erie	$414	$35
State Farm	$415	$35
State Farm	$415	$35
State Farm	$429	$36
Westfield	$439	$37
Mercury	$444	$37
Auto-Owners Insurance Co	$448	$37
State Farm	$453	$38
Auto-Owners Insurance Co	$462	$38
Country Financial	$467	$39
Country Financial	$476	$40
American Family	$479	$40
Country Financial	$479	$40
Progressive	$480	$40
Mercury	$482	$40
American Family	$486	$41
Auto-Owners Insurance Co	$487	$41
Country Financial	$487	$41
Hanover	$492	$41
American Family	$492	$41
American Family	$492	$41
American Family	$498	$42
American Family	$498	$42
State Farm	$499	$42
State Farm	$499	$42
Westfield	$499	$42
Hanover	$500	$42
Mercury	$516	$43
American Family	$522	$44
Mercury	$524	$44
Country Financial	$526	$44
Erie	$527	$44
GEICO	$528	$44
Westfield	$530	$44
Erie	$530	$44
Progressive	$531	$44
Progressive	$533	$44
American Family	$535	$45
American Family	$535	$45
Erie	$536	$45
Progressive	$542	$45
State Farm	$545	$45
Westfield	$551	$46
AAA	$560	$47
Mercury	$570	$47
Auto-Owners Insurance Co	$579	$48
Progressive	$600	$50
AAA	$600	$50
Progressive	$601	$50
Country Financial	$622	$52
GEICO	$627	$52
Progressive	$636	$53
Hanover	$641	$53
AAA	$642	$53
GEICO	$645	$54
Erie	$648	$54
Country Financial	$658	$55
Erie	$659	$55
AAA	$684	$57
Erie	$684	$57
GEICO	$690	$58
Progressive	$707	$59
Progressive	$708	$59
Mercury	$709	$59
Allstate	$710	$59
Auto-Owners Insurance Co	$712	$59
Mercury	$716	$60
Grange Insurance	$721	$60
Travelers	$722	$60
Allstate	$725	$60
Auto-Owners Insurance Co	$729	$61
AAA	$743	$62
Grange Insurance	$745	$62
Travelers	$754	$63
Auto-Owners Insurance Co	$755	$63
Travelers	$762	$63
Auto-Owners Insurance Co	$771	$64
GEICO	$774	$65
Grange Insurance	$784	$65
American Family	$787	$66
Hanover	$791	$66
American Family	$795	$66
Travelers	$796	$66
Hanover	$796	$66
American Family	$797	$66
American Family	$797	$66
Country Financial	$799	$67
Grange Insurance	$804	$67
American Family	$805	$67
American Family	$805	$67
Grange Insurance	$809	$67
Travelers	$836	$70
Erie	$839	$70
State Farm	$842	$70
State Farm	$842	$70
Country Financial	$846	$70
Hanover	$851	$71
AAA	$851	$71
Hanover	$852	$71
Travelers	$856	$71
American Family	$860	$72
Grange Insurance	$862	$72
AAA	$870	$72
American Family	$871	$73
American Family	$871	$73
GEICO	$874	$73
Grange Insurance	$876	$73
Erie	$877	$73
Auto-Owners Insurance Co	$881	$73
Travelers	$884	$74
Erie	$887	$74
Travelers	$893	$74
Allstate	$895	$75
Auto-Owners Insurance Co	$899	$75
State Farm	$906	$75
State Farm	$906	$75
Allstate	$908	$76
Allstate	$909	$76
Allstate	$914	$76
State Farm	$914	$76
Westfield	$915	$76
Westfield	$919	$77
Westfield	$921	$77
Auto-Owners Insurance Co	$928	$77
AAA	$929	$77
Progressive	$930	$77
Allstate	$931	$78
Grange Insurance	$943	$79
Westfield	$945	$79
Country Financial	$955	$80
Country Financial	$958	$80
Westfield	$968	$81
Country Financial	$972	$81
State Farm	$983	$82
Hanover	$984	$82
Progressive	$989	$82
Travelers	$995	$83
Country Financial	$1,005	$84
Grange Insurance	$1,017	$85
Auto-Owners Insurance Co	$1,037	$86
GEICO	$1,040	$87
Hanover	$1,060	$88
Progressive	$1,097	$91
Progressive	$1,097	$91
Mercury	$1,106	$92
Erie	$1,108	$92
Erie	$1,124	$94
Westfield	$1,131	$94
Erie	$1,131	$94
Westfield	$1,133	$94
GEICO	$1,135	$95
Country Financial	$1,138	$95
GEICO	$1,139	$95
State Farm	$1,148	$96
State Farm	$1,148	$96
Allstate	$1,150	$96
AAA	$1,151	$96
Mercury	$1,161	$97
Mercury	$1,162	$97
Allstate	$1,168	$97
Progressive	$1,173	$98
AAA	$1,173	$98
Westfield	$1,211	$101
Auto-Owners Insurance Co	$1,216	$101
AAA	$1,248	$104
State Farm	$1,249	$104
AAA	$1,266	$106
Progressive	$1,280	$107
Mercury	$1,290	$108
Hanover	$1,290	$108
Country Financial	$1,292	$108
Progressive	$1,307	$109
Allstate	$1,327	$111
Erie	$1,337	$111
Travelers	$1,347	$112
Auto-Owners Insurance Co	$1,357	$113
Erie	$1,359	$113
GEICO	$1,361	$113
Country Financial	$1,363	$114
AAA	$1,368	$114
Allstate	$1,370	$114
Westfield	$1,374	$114
Hanover	$1,375	$115
Auto-Owners Insurance Co	$1,383	$115
GEICO	$1,394	$116
Progressive	$1,395	$116
GEICO	$1,395	$116
Travelers	$1,407	$117
Grange Insurance	$1,426	$119
Erie	$1,432	$119
Mercury	$1,435	$120
Grange Insurance	$1,435	$120
GEICO	$1,445	$120
Travelers	$1,448	$121
Travelers	$1,476	$123
Mercury	$1,490	$124
Grange Insurance	$1,500	$125
Grange Insurance	$1,504	$125
Travelers	$1,514	$126
Progressive	$1,517	$126
Travelers	$1,549	$129
AAA	$1,567	$131
Travelers	$1,575	$131
Allstate	$1,615	$135
Mercury	$1,616	$135
AAA	$1,647	$137
Allstate	$1,663	$139
GEICO	$1,667	$139
Allstate	$1,682	$140
Grange Insurance	$1,688	$141
Travelers	$1,691	$141
Allstate	$1,693	$141
Grange Insurance	$1,698	$142
Grange Insurance	$1,708	$142
AAA	$1,715	$143
Erie	$1,736	$145
Travelers	$1,738	$145
Allstate	$1,749	$146
AAA	$1,777	$148
Hanover	$1,789	$149
GEICO	$1,803	$150
Grange Insurance	$1,847	$154
Mercury	$1,880	$157
Auto-Owners Insurance Co	$1,891	$158
Westfield	$1,946	$162
Westfield	$1,948	$162
Mercury	$2,016	$168
Allstate	$2,054	$171
Hanover	$2,078	$173
Grange Insurance	$2,095	$175
Allstate	$2,154	$180
Hanover	$2,156	$180
Westfield	$2,189	$182
GEICO	$2,193	$183
Hanover	$2,233	$186
AAA	$2,266	$189
Hanover	$2,311	$193
GEICO	$2,479	$207
Hanover	$2,747	$229
GEICO	$2,806	$234
Hanover	$2,940	$245

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.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
Travelers	$935	$1,693
State Farm	$1,002	$1,702
Travelers	$1,026	$1,780
Auto-Owners Insurance Co	$1,033	$2,492
Auto-Owners Insurance Co	$1,063	$2,458
Travelers	$1,073	$1,942
Travelers	$1,076	$2,145
Auto-Owners Insurance Co	$1,092	$2,635
Travelers	$1,110	$2,009
Auto-Owners Insurance Co	$1,138	$3,034
Auto-Owners Insurance Co	$1,142	$2,640
State Farm	$1,142	$1,941
State Farm	$1,163	$1,931
Auto-Owners Insurance Co	$1,169	$2,820
Travelers	$1,193	$2,068
State Farm	$1,196	$2,362
Progressive	$1,201	$1,522
Auto-Owners Insurance Co	$1,219	$3,260
Allstate	$1,221	$2,233
Allstate	$1,221	$2,233
Travelers	$1,224	$2,348
Travelers	$1,232	$2,472
Auto-Owners Insurance Co	$1,247	$3,671
State Farm	$1,249	$2,123
Progressive	$1,254	$2,300
Auto-Owners Insurance Co	$1,263	$2,920
State Farm	$1,279	$2,568
Auto-Owners Insurance Co	$1,282	$3,251
Travelers	$1,285	$2,228
Allstate	$1,289	$2,920
Allstate	$1,289	$2,920
Allstate	$1,289	$2,359
Allstate	$1,289	$2,359
Progressive	$1,316	$1,581
GEICO	$1,323	$2,774
Progressive	$1,330	$2,469
Allstate	$1,331	$2,650
Allstate	$1,331	$2,650
State Farm	$1,345	$2,234
GEICO	$1,346	$3,703
GEICO	$1,359	$2,386
Allstate	$1,364	$2,495
Allstate	$1,364	$2,495
Travelers	$1,365	$4,082
GEICO	$1,379	$3,324
GEICO	$1,380	$2,892
GEICO	$1,396	$2,451
Auto-Owners Insurance Co	$1,405	$3,565
Auto-Owners Insurance Co	$1,411	$3,922
Progressive	$1,415	$1,793
State Farm	$1,421	$2,807
GEICO	$1,444	$3,366
Travelers	$1,446	$2,773
Travelers	$1,447	$2,770
Auto-Owners Insurance Co	$1,450	$4,268
Travelers	$1,454	$3,246
Auto-Owners Insurance Co	$1,457	$4,924
GEICO	$1,467	$3,076
Progressive	$1,471	$1,768
Progressive	$1,472	$2,191
State Farm	$1,476	$3,353
State Farm	$1,477	$2,965
State Farm	$1,488	$2,471
GEICO	$1,497	$3,022
Progressive	$1,506	$4,697
GEICO	$1,509	$2,649
Progressive	$1,524	$3,179
Progressive	$1,538	$2,148
Progressive	$1,542	$1,953
Allstate	$1,570	$4,158
Allstate	$1,570	$4,158
Progressive	$1,579	$1,898
Allstate	$1,584	$3,589
Allstate	$1,584	$3,589
Progressive	$1,585	$2,907
State Farm	$1,585	$3,128
Progressive	$1,644	$5,245
Progressive	$1,677	$3,582
GEICO	$1,694	$5,512
Travelers	$1,699	$5,088
State Farm	$1,700	$3,856
Travelers	$1,703	$5,093
Allstate	$1,704	$4,877
Allstate	$1,704	$4,877
GEICO	$1,734	$4,772
Travelers	$1,740	$3,330
Travelers	$1,754	$3,973
Progressive	$1,766	$5,507
Progressive	$1,773	$3,293
GEICO	$1,790	$4,316
Auto-Owners Insurance Co	$1,802	$5,732
GEICO	$1,809	$5,444
Progressive	$1,815	$6,770
Auto-Owners Insurance Co	$1,835	$4,376
State Farm	$1,869	$4,239
State Farm	$1,873	$3,695
Progressive	$1,897	$6,053
GEICO	$1,946	$10,011
State Farm	$1,947	$4,416
Progressive	$1,953	$7,396
State Farm	$1,957	$5,040
Auto-Owners Insurance Co	$1,976	$4,713
Auto-Owners Insurance Co	$1,977	$5,053
Auto-Owners Insurance Co	$2,023	$6,437
Auto-Owners Insurance Co	$2,024	$7,151
Travelers	$2,158	$6,463
State Farm	$2,168	$4,859
GEICO	$2,190	$10,177
Travelers	$2,191	$10,488
GEICO	$2,233	$11,488
Allstate	$2,294	$6,564
Allstate	$2,294	$6,564
Allstate	$2,329	$8,555
Allstate	$2,329	$8,555
GEICO	$2,475	$11,497
State Farm	$2,484	$5,568
State Farm	$2,496	$6,357
GEICO	$2,540	$17,707
GEICO	$2,776	$17,015
Travelers	$2,804	$13,642

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.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Mercury	$266	$22
Mercury	$269	$22
Country Financial	$285	$24
Country Financial	$286	$24
Westfield	$317	$26
Auto-Owners Insurance Co	$333	$28
Auto-Owners Insurance Co	$345	$29
Westfield	$348	$29
State Farm	$353	$29
Westfield	$370	$31
Erie	$370	$31
State Farm	$373	$31
Erie	$375	$31
Mercury	$380	$32
Country Financial	$390	$32
American Family	$410	$34
American Family	$414	$34
Auto-Owners Insurance Co	$427	$36
AAA	$432	$36
GEICO	$440	$37
GEICO	$443	$37
American Family	$448	$37
State Farm	$448	$37
USAA	$450	$38
Progressive	$451	$38
USAA	$452	$38
AAA	$460	$38
Grange Insurance	$475	$40
Progressive	$479	$40
Erie	$479	$40
Hanover	$492	$41
Hanover	$500	$42
Progressive	$503	$42
GEICO	$512	$43
Allstate	$514	$43
Grange Insurance	$516	$43
Allstate	$524	$44
Travelers	$529	$44
Travelers	$561	$47
USAA	$564	$47
AAA	$569	$47
Travelers	$594	$49
Grange Insurance	$602	$50
Country Financial	$606	$51
Hanover	$641	$53
Country Financial	$642	$53
American Family	$650	$54
Allstate	$655	$55
American Family	$659	$55
Auto-Owners Insurance Co	$673	$56
Auto-Owners Insurance Co	$688	$57
American Family	$714	$59
Mercury	$735	$61
State Farm	$763	$64
Westfield	$774	$65
Westfield	$776	$65
Mercury	$777	$65
Erie	$793	$66
Erie	$803	$67
State Farm	$822	$68
Progressive	$836	$70
USAA	$841	$70
Progressive	$845	$70
Country Financial	$856	$71
GEICO	$862	$72
USAA	$865	$72
AAA	$901	$75
Auto-Owners Insurance Co	$921	$77
GEICO	$933	$78
Travelers	$964	$80
Travelers	$975	$81
AAA	$976	$81
Grange Insurance	$983	$82
Allstate	$984	$82
Grange Insurance	$985	$82
Progressive	$1,000	$83
Westfield	$1,016	$85
Allstate	$1,017	$85
Erie	$1,023	$85
State Farm	$1,038	$87
Mercury	$1,080	$90
GEICO	$1,096	$91
Travelers	$1,119	$93
USAA	$1,124	$94
Grange Insurance	$1,214	$101
AAA	$1,222	$102
Allstate	$1,240	$103
Hanover	$1,290	$108
Hanover	$1,375	$115
Hanover	$1,789	$149

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.

State

Illinois

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

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Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Mercury

$395

2.Country Financial

$396

3.USAA

$435

4.State Farm

$467

5.GEICO

$471

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.

Read MoneyGeek's Country Financial Auto Insurance Review

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.

Read MoneyGeek's Erie Auto Insurance Review

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.

Read MoneyGeek's Country Financial Auto Insurance Review

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

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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Cheapest and Best Car Insurance Companies in Elgin, IL

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On This Page:

Cheapest Minimum Liability Car Insurance in Elgin

Cheapest Full Coverage Car Insurance in Elgin

Cheapest Car Insurance in Elgin After a Driving Offense

Cheapest Car Insurance in Elgin for Teens and Their Families

Cheapest Car Insurance in Elgin for Military Drivers

How to Compare Cheap Elgin Car Insurance Quotes Online

Best Car Insurance in Elgin: Summary

Best Overall Car Insurance in Elgin

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Elgin for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Elgin

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Elgin