Cheapest Car Insurance Quotes in South Elgin

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South Elgin Car Insurance

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/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in South Elgin

The car insurance rate in South Elgin is $869 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $446, making it a popular choice for budget-conscious drivers. Rates in South Elgin can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in South Elgin

$869

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in South Elgin

1st place: AutoOwners Insurance Co

At $446 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $505 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Country Financial

Country Financial offers auto insurance rates at $529 for six months, making it the third cheapest auto insurance company in South Elgin.

South Elgin Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Elgin, IL is AutoOwners Insurance Co, offering policies at just $446 for a six-month term. This is followed by Westfield, which has an average six-month premium of $505.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $808 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Elgin drivers find the best deals.

Cheap Car Insurance Companies in South Elgin, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$446	$76
Westfield	$505	$84
Country Financial	$529	$89
Travelers	$630	$106
American Family	$731	$123
Erie	$766	$128
USAA	$903	$152
State Farm	$909	$153
Progressive	$998	$168
Auto-Owners	$1051	$175
Allstate	$1509	$254
Farmers	$1509	$254
Hanover	$939	$156
Mercury	$802	$134
Hastings Mutual	$808	$137

Key Takeaways

Way's key takeaways about car insurance in South Elgin

The auto insurance costs in South Elgin fall around $446 for six months.
The cheapest auto insurance company in South Elgin is Mercury.
Teen drivers pay the highest rate in South Elgin at $58 per month.

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Cheapest Minimum Liability Car Insurance in South Elgin

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in South Elgin are given below.

Mercury provides the cheapest minimum car insurance coverage in South Elgin. Their Average 6 Month Premium is $149. First Chicago is the most expensive at $196 for the same period.

Cheapest Liability Coverage in South Elgin, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$149	$25
Westfield	$160	$27
Auto-Owners Insurance Co	$190	$32
Country Financial	$202	$34
Erie	$249	$42
Auto-Owners	$273	$46
Travelers	$273	$46
American Family	$315	$53
State Farm	$315	$53
USAA	$333	$56
Progressive	$386	$65
Allstate	$606	$102
Farmers	$743	$126
Hanover	$178	$30
AAA	$255	$43
First Chicago	$196	$33

Cheapest Full Coverage Car Insurance in South Elgin

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in South Elgin is AutoOwners Insurance Co at $76 per month and $446 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Elgin, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$446	$76
Westfield	$505	$84
Country Financial	$529	$89
Travelers	$630	$106
American Family	$731	$123
Erie	$766	$128
USAA	$903	$152
State Farm	$909	$153
Progressive	$998	$168
Auto-Owners	$1051	$175
Allstate	$1509	$254
Farmers	$1509	$254
Hanover	$939	$156
Mercury	$802	$134
Hastings Mutual	$808	$137

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Average Car Insurance in South Elgin by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in South Elgin, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in South Elgin, Illinois, may be increasing due to several external factors. Illinois has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, South Elgin's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in South Elgin

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$707
30s	Auto-Owners	$489
40s	Auto-Owners	$480
50s	Auto-Owners	$453
60s	Auto-Owners	$476
70s	Auto-Owners	$604

Cheapest Car Insurance Rates for Teen Drivers in South Elgin,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the South Elgin at $32 per month. At $339 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$190	$32
Mercury	$220	$37
Auto-Owners Insurance Co	$238	$40
Country Financial	$808	$136
Erie	$992	$167
Travelers	$1051	$177
USAA	$1830	$308
American Family	$2192	$369
State Farm	$3154	$531
Progressive	$3160	$532
Allstate	$3671	$618
Farmers	$3736	$629
AAA	$339	$58

Teen Car Insurance Rates in IL by Age

Way Tip

If you are in your twenties AutoOwners is the best choice for car insurance in South Elgin.

As young drivers face the highest rates in South Elgin, AutoOwners offers the cheapest auto insurance rates at $707 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in South Elgin, Mercury is the cheapest car insurance provider. At $226 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in South Elgin is State Farm, offering rates of around $3107 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$226	$38
Westfield	$297	$51
Hanover	$398	$66
Country Financial	$594	$100
Travelers	$659	$111
Progressive	$944	$159
American Family	$1158	$195
USAA	$1538	$262
Allstate	$2525	$421
Farmers	$2905	$494
State Farm	$3107	$518

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Car Insurance Rates with An Accident in South Elgin

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In South Elgin, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in South Elgin

The cheapest car insurance companies after an at-fault accident in South Elgin include AutoOwners Insurance Co and Westfield, offering $249 and $255, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $297.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$249	$42
Westfield	$255	$43
Mercury	$327	$54
Travelers	$570	$96
Erie	$576	$97
Country Financial	$582	$98
State Farm	$861	$145
USAA	$885	$149
American Family	$992	$167
Progressive	$1432	$241
Farmers	$1580	$266
Allstate	$2620	$441
AAA	$422	$72
First Chicago	$273	$46
Hastings Mutual	$297	$51

South Elgin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Elgin IL. For example, the car insurance in South Elgin after a DUI increases to $820 for a six month policy. While the rate increases by $220 for a six-month policy in the case of a speeding ticket.

South Elgin auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$980	$163
One Med/PIP claim	$986	$168
Not-at-fault accident	$1040	$173
One comp claim	$1063	$181
Two Med/PIP claims	$1063	$177
Failure to wear a seat belt	$1140	$194
Driving without lights	$1152	$192
Child safety restraint	$1158	$197
Two comp claims	$1158	$193
Failure to show documents	$1176	$200
Speeding 6 - 10 MPH over limit	$1200	$200
Driving with expired registration	$1206	$205
Speeding 11 - 15 MPH over limit	$1230	$205
Driving too slowly	$1236	$210
Failure to yield	$1236	$206
Illegal turn	$1236	$210
At-fault accident - less than $1000	$1247	$208
Failure to stop at a red light	$1247	$212
Following too closely	$1247	$208
Speeding 16 - 20 MPH over limit	$1253	$213
Speeding in school zone	$1253	$209
Improper passing	$1259	$214
Wrong way/wrong lane	$1259	$210
Cell phone violation	$1283	$218
Texting while driving	$1283	$214
Passing school bus	$1295	$220
In 65 MPH zone	$1301	$217
Speeding 21 - 25 MPH over limit	$1313	$223
Operating a vehicle without permission	$1337	$223
At-fault accident - $1000-$2000	$1420	$241
At-fault accident - greater than $2000	$1443	$241
Open container	$1491	$254
Reckless driving	$1729	$288
Racing	$1746	$297
Driving with a suspended license	$1782	$297
Refusal to submit to a chemical test	$1794	$305
DUI	$1800	$300
Leaving scene of an accident/hit and run	$1818	$309

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in South Elgin after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in South Elgin.

The cheapest car insurance premiums in South Elgin are offered by Mercury at $226 for a six-month policy. However, it can be as expensive as $2548 with companies like Farmers.

South Elgin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$226	$38
Travelers	$606	$102
Erie	$701	$118
Progressive	$731	$123
Country Financial	$921	$155
American Family	$1123	$189
State Farm	$1218	$205
USAA	$1426	$240
Allstate	$2239	$377
Farmers	$2548	$433

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in South Elgin are offered by Westfield at $190. However, it can be as expensive as $4669 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Elgin after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$190	$32
Auto-Owners Insurance Co	$214	$36
Mercury	$232	$39
Erie	$249	$42
Hanover	$285	$48
Country Financial	$600	$101
USAA	$778	$130
State Farm	$1063	$181
Travelers	$1206	$201
Progressive	$1247	$212
American Family	$1384	$233
Allstate	$3968	$675
Farmers	$4669	$778

Car Insurance Price Trends in South Elgin, Illinois

Car insurance rates in South Elgin have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the South Elgin rose by $193 in December compared to $191 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the South Elgin rose to $53 in December, compared to $51 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in South Elgin?

The car insurance in South Elgin is $25 per month, which is lower than the national average.

What is the cheapest car insurance in South Elgin?

The cheapest car insurance in South Elgin is $76 per month for full coverage.

How much is car insurance in South Elgin for teenagers?

Car insurance for teenagers costs $190 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in South Elgin?

The average cost of car insurance is $869 for a six-month policy. It will cost around $145 per month to insure your car in South Elgin.

Is car insurance expensive in South Elgin?

Car insurance can be expensive in South Elgin if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in South Elgin can be affordable.

Cheapest Car Insurance Quotes in South Elgin

Why you can trust Way?

How Much Is Car Insurance in South Elgin

Avg. Car Insurance in South Elgin

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in South Elgin

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

South Elgin Car Insurance Rates by Company

Cheap Car Insurance Companies in South Elgin, IL

Way's key takeaways about car insurance in South Elgin

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Elgin

Cheapest Liability Coverage in South Elgin, IL

Cheapest Full Coverage Car Insurance in South Elgin

Cheapest Full Coverage Car Insurance Quotes in South Elgin, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Elgin by Rating Factor

I have a clean driving record. Why is my car insurance rate here in South Elgin, IL increasing?

Car Insurance Premiums by Age in South Elgin

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Elgin,IL

If you are in your twenties AutoOwners is the best choice for car insurance in South Elgin.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in South Elgin

Cheapest Car Insurance Companies after an At-Fault Accident in South Elgin

South Elgin Car Insurance Rates by Violation

South Elgin auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Elgin after a DUI

South Elgin car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Elgin after Speeding ticket

Car Insurance Price Trends in South Elgin, Illinois

Average Car Insurance Cost in South Elgin by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Elgin, IL

Car Insurance Rates by State in the USA (2025 Update)

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