Cheapest Car Insurance Quotes in South Elgin

Finding the cheapest car insurance quotes in South Elgin shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

South Elgin Car Insurance

^$ 27

/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 $923 for a six-month policy, which is $52 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $377, 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

$923

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in South Elgin

1st place: American Family

At $377 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $473 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $535 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 American Family, offering policies at just $377 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $473.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $995 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
American Family	$377	$65
Auto-Owners Insurance Co	$473	$78
Westfield	$535	$91
Travelers	$686	$116
Country Financial	$730	$123
Erie	$850	$143
USAA	$1013	$171
Auto-Owners	$1045	$176
Progressive	$1071	$180
State Farm	$1152	$194
Farmers	$1266	$215
Allstate	$1820	$306
Hanover	$995	$165

Key Takeaways

Way's key takeaways about car insurance in South Elgin

The auto insurance costs in South Elgin fall around $377 for six months.
The cheapest auto insurance company in South Elgin is Mercury.
Teen drivers pay the highest rate in South Elgin at $61 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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 $158. AAA is the most expensive at $270 for the same period.

Cheapest Liability Coverage in South Elgin, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$158	$27
Westfield	$170	$29
Auto-Owners Insurance Co	$201	$34
American Family	$214	$36
Erie	$264	$45
Travelers	$289	$49
Auto-Owners	$296	$50
Country Financial	$296	$50
USAA	$366	$61
State Farm	$390	$66
Progressive	$409	$69
Allstate	$604	$102
Farmers	$788	$134
Hanover	$189	$32
AAA	$270	$46

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 American Family at $65 per month and $377 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Elgin, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$377	$65
Auto-Owners Insurance Co	$473	$78
Westfield	$535	$91
Travelers	$686	$116
Country Financial	$730	$123
Erie	$850	$143
USAA	$1013	$171
Auto-Owners	$1045	$176
Progressive	$1071	$180
State Farm	$1152	$194
Farmers	$1266	$215
Allstate	$1820	$306
Hanover	$995	$165

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in South Elgin Instantly!

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

undefined

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 $34 per month. At $359 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$201	$34
American Family	$233	$39
Mercury	$233	$39
Auto-Owners Insurance Co	$252	$42
Farmers	$409	$68
Country Financial	$1146	$193
Travelers	$1197	$201
Erie	$1360	$229
USAA	$2065	$348
Auto-Owners	$2255	$384
Progressive	$3174	$534
State Farm	$3923	$660
Allstate	$4281	$721
AAA	$359	$61

Teen Car Insurance Rates in IL by Age

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 $240 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 Farmers, offering rates of around $3079 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$240	$40
Westfield	$315	$53
American Family	$396	$68
Hanover	$422	$70
Travelers	$756	$127
Country Financial	$850	$143
Progressive	$1052	$177
USAA	$1863	$311
Erie	$2028	$345
Auto-Owners	$2884	$480
Allstate	$3300	$561
State Farm	$4924	$820
Farmers	$3079	$524

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in South Elgin.

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 American Family and AutoOwners Insurance Co, offering $252 and $264, respectively. AAA is an expensive provider with an average six-month premium of $447.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$252	$42
Auto-Owners Insurance Co	$264	$45
Westfield	$270	$46
Mercury	$347	$59
Farmers	$516	$86
Travelers	$636	$107
Erie	$788	$133
Country Financial	$837	$141
State Farm	$1058	$178
USAA	$1133	$191
Auto-Owners	$1184	$197
Progressive	$1600	$269
Allstate	$3104	$523
AAA	$447	$76

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 $869 for a six month policy. While the rate increases by $233 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	$1039	$173
One Med/PIP claim	$1045	$178
Not-at-fault accident	$1102	$183
One comp claim	$1127	$192
Two Med/PIP claims	$1127	$188
Failure to wear a seat belt	$1208	$206
Driving without lights	$1221	$204
Child safety restraint	$1227	$209
Two comp claims	$1227	$205
Failure to show documents	$1247	$212
Speeding 6 - 10 MPH over limit	$1272	$212
Driving with expired registration	$1278	$217
Speeding 11 - 15 MPH over limit	$1304	$217
Driving too slowly	$1310	$223
Failure to yield	$1310	$218
Illegal turn	$1310	$223
At-fault accident - less than $1000	$1322	$220
Failure to stop at a red light	$1322	$225
Following too closely	$1322	$220
Speeding 16 - 20 MPH over limit	$1328	$226
Speeding in school zone	$1328	$222
Improper passing	$1335	$227
Wrong way/wrong lane	$1335	$223
Cell phone violation	$1360	$231
Texting while driving	$1360	$227
Passing school bus	$1373	$233
In 65 MPH zone	$1379	$230
Speeding 21 - 25 MPH over limit	$1392	$236
Operating a vehicle without permission	$1417	$236
At-fault accident - $1000-$2000	$1505	$255
At-fault accident - greater than $2000	$1530	$255
Open container	$1580	$269
Reckless driving	$1833	$305
Racing	$1851	$315
Driving with a suspended license	$1889	$315
Refusal to submit to a chemical test	$1902	$323
DUI	$1908	$318
Leaving scene of an accident/hit and run	$1927	$328

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 $240 for a six-month policy. However, it can be as expensive as $2701 with companies like Farmers.

South Elgin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$240	$40
American Family	$252	$42
Travelers	$674	$113
Progressive	$812	$137
Erie	$970	$163
Country Financial	$1127	$190
USAA	$1549	$261
State Farm	$1593	$268
Auto-Owners	$1681	$286
Allstate	$2670	$449
Farmers	$2701	$459

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 $201. However, it can be as expensive as $4949 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	$201	$34
Auto-Owners Insurance Co	$227	$38
Mercury	$246	$41
American Family	$252	$42
Hanover	$302	$51
Erie	$630	$106
Country Financial	$756	$127
Travelers	$957	$159
Auto-Owners	$970	$165
State Farm	$1215	$202
USAA	$1341	$228
Progressive	$1373	$229
Allstate	$2859	$487
Farmers	$4949	$825

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 dipped by $179 in January compared to $205 of December. In other words, there has been an decrease by $26 when you compare January and December.

The average cost of liability insurance in the South Elgin dipped to $54 in January, compared to $56 in December. This represents an decrease of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in South Elgin?

The car insurance in South Elgin is $27 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 $65 per month for full coverage.

How much is car insurance in South Elgin for teenagers?

Car insurance for teenagers costs $201 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 $871 for a six-month policy. It will cost around $155 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: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

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 N/A 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)

Featured Blogs

Data Sources