Car Insurance in Elgin, IL
How much does car insurance
cost in Elgin, Illinois?
The average estimated cost of Lemonade car insurance in Elgin ranges from roughly $980 to $1,020 per year*, depending on factors like your age, driving history,
car type, and location.
Here is a look at rates in other cities in Illinois:
| City | Average monthly base premium* |
|---|---|
| Skokie | $70 to $79 |
| Bolingbrook | $50 to $59 |
| Schaumburg | $70 to $79 |
| Chicago | $80 to $89 |
How can I get cheaper car insurance
in Elgin, Illinois?
Lemonade offers Illinois drivers loads of opportunities
to help lower your car insurance rates.
Hybrid/EV discount
Lower rates for driving eco-friendly cars—like hybrids or electric vehicles.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance
in Elgin, Illinois?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Elgin, Illinois?
To meet Illinois car insurance coverage requirements, Elgin drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Elgin drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $20,000 |
| Uninsured motorist coverage/underinsured motorist bodily injury coverage | $25,000 (per person)/ $50,000 (per accident) |
What additional car insurance coverages
are available in Elgin, Illinois?
Consider adding collision, comprehensive, and uninsured motorist coverage
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read MoreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read MoreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash—like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read MoreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read MoreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read MoreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read MoreElgin Illinois car insurance FAQs
What car insurance coverage is recommended in Elgin given the local weather?
Elgin’s winter weather can bring heavy snow and icy roads, making comprehensive coverage a smart choice to protect against weather-related damage. Roadside assistance is also a helpful add-on for winter driving challenges.
Does Elgin’s local traffic impact car insurance needs?
Traffic in Elgin is generally lighter than in major cities, which may help keep your premiums more affordable. However, it’s a good idea for drivers to make sure you have liability and collision coverage for busier intersections and peak travel times.
What happens if I don’t have the minimum car insurance coverage required in Elgin?
Driving in Elgin without the minimum required car insurance can lead to fines of $500 to $2,500, a suspended driver’s license, and possible vehicle impoundment. You might also need to file an SR-22, raising your insurance premiums. With Elgin’s historic charm and busy roads, having proper insurance keeps you protected and legal.
Is Illinois an at-fault state?
Yes, Illinois uses an at-fault system, so in Elgin, the person who causes the collision covers the costs of the damages. They can settle these expenses using their insurance policy or personal resources.
How can I lower my car insurance premium in Elgin?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, paying your premium in full for a discount, and bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Elgin that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
By the way, did you know that Lemonade drivers in Elgin get free roadside assistance? All you need to do is make sure that you’ve enabled location services in the Lemonade app.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
Continue Reading
Car Insurance in Illinois
Get an auto insurance quote in Illinois
Car Insurance in Naperville
Get an auto insurance quote in Naperville
Car Insurance in Arlington Heights
Get an auto insurance quote in Arlington Heights
Car Insurance in Bolingbrook
Get an auto insurance quote in Bolingbrook
Full Coverage Car Insurance
Let’s break down what it really means to have full coverage car insurance.
What Does Car Insurance Cover?
Get the coverage you need, and hit the road with confidence.