UPDATED: Aug 21, 2020
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Illinois auto insurance requires every driver to have 20/40/15 in liability coverage. Liability insurance pays if the driver is at fault for an accident. It may be advisable to get more than the minimum in the event your car is stolen, or someone else causes the accident. Drivers looking for cheap car insurance in Elgin, IL have a few choices. The best Elgin, IL car insurance companies providing affordable rates are Safe Auto, Dairyland, Elephant, The General, and Cincinnati Insurance. Cincinnati Insurance offers monthly rates of $58 for Elgin, IL auto insurance.
Elgin, IL is the 8th largest city in the state of Illinois and one of only a few cities to straddle multiple counties (Cook and Kane counties, to be specific). The city of Elgin is quickly becoming one of the most popular residential suburbs within 40 miles of the city of Chicago.
There has been an extensive amount of renovation going on in their downtown area, especially with regard to the business district and public building renovations.
Fun fact: The boardroom is no longer a boys club in Elgin, IL – because the city is #1 on the list of the top 100 cities with the largest percentage of females in company management positions.
Want a better deal on cheap auto insurance in Elgin, IL? We are here to tell you that the best way to do that is to compare prices online. Luckily for you, that is exactly what we are experts in!
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Auto Insurance Coverage Requirements in Illinois
Driving legally in Elgin requires:
|Bodily Injury Liability||20,000/40,000||100,000/300,000|
|Property Damage Liability||15,000||100,000|
|Uninsured Motorist Bodily Injury||Not required||20,000/40,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||250 deductible|
Yes, we understand that the difference between the middle column (bare legal minimum requirements) and the suggested coverage amounts is pretty stark. The difference in your monthly premiums can be fairly dramatic, as well. But you have to take into account what your financial needs are.
Can you get away with carrying minimal insurance on your vehicle? Or do you drive a newer, more expensive one that requires substantially more coverage? Only you and your insurance provider can really come up with the best answer to such questions.
But Illinois drivers will be relieved to know that finding a better deal on their car insurance policy isn’t as difficult as it may be in other states.
The average Illinois resident is probably only paying less than $70 a month for an adequate level of coverage. But the definition of adequate will vary from one driver to another.
Your specific circumstances – along with the company you purchase a policy from – will determine whether or not your average is above or below what most other drivers are paying.