For a 40-year-old driver with a clean record, Elgin car insurance averages about $183 a month ($2,190 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 9% below the Illinois average of $201 a month. Full-coverage averages in Elgin run from about $102 to $303 a month across the four major insurers we compared (Allstate, Country Financial, GEICO and Progressive).
Elgin is priced below the Illinois average, at about $183 a month for full coverage. Our benchmark driver pays about $67 a month less here than in Chicago and about $7 less than in Schaumburg, about nine miles east.
Our data covers three ZIP codes with an Elgin mailing address, and they’re priced within a few dollars of each other, from about $182 to $183 a month.
Elgin sits on the Fox River in Kane County, and the Jane Addams Memorial Tollway (I-90) runs along its northern side toward Schaumburg. Metra’s Milwaukee District West line also stops in Elgin, so the trip east toward Schaumburg and Chicago is a common commute. Prices rise along that route: Schaumburg averages about $190 a month and Hoffman Estates $191, about $7 and $8 more than Elgin. Insurers set your price by where you keep the car, not where you work, but many also ask how far you drive each day, so tell yours if your commute changes.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Elgin ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Elgin, IL?
Full coverage in Elgin averages $2,190 a year, or about $183 a month, for our benchmark driver. Liability-only coverage at 20/40/15 limits averages $816 a year ($68 a month), and 50/100/50 liability with comprehensive and collision averages $2,121 ($177 a month).
- Full coverage (100/300/100, $500 deductibles): $2,190 a year ($183 a month)
- 50/100/50 with $500 deductibles: $2,121 a year ($177 a month)
- Liability only (20/40/15): $816 a year ($68 a month)
- Kane County: $2,158 a year ($180 a month) for full coverage
- Illinois average: $2,406 a year ($201 a month) for full coverage
- ZIP code range: $182 (60120 and 60124) to $183 (60123) a month for full coverage
Cheap Car Insurance in Elgin: Companies Compared
- Full-coverage range: about $102 to $303 a month across the four insurers in our rate data, for the same driver and car.
- Liability only (20/40/15), among the four major insurers we compared: GEICO and Country Financial, effectively tied at about $58 and $60 a month.
- State Farm (Nov. 2025 rates)*: about $215 a month for full coverage, from its November 2025 rates.
- Also on our list: Travelers at about $124 a month, USAA at $140, AAA at $157, Erie at $172 and Auto-Owners at $174 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $303 a month.
Progressive’s Elgin average, about $102 a month, is 36% below Country Financial’s ($159), a lead wide enough that we show the range instead of naming a single cheapest insurer. Among the published 2026 statewide Illinois rate studies we reviewed, the pick for cheapest full coverage is split between Travelers and GEICO. For liability-only coverage at 20/40/15 limits, GEICO and Country Financial are effectively tied for the lowest average among these four insurers, at about $58 and $60 a month.
Full-coverage averages by insurer in Elgin
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/15 (Yearly): | Liability Only 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $771 | $64 | $1,228 | $102 |
| Country Financial | $716 | $60 | $1,909 | $159 |
| GEICO | $699 | $58 | $1,994 | $166 |
| Allstate | $1,079 | $90 | $3,631 | $303 |
| State Farm (Nov. 2025 rates)* | $820 | $68 | $2,584 | $215 |
| Travelers* | $963 | $80 | $1,492 | $124 |
| USAA (military families)* | $760 | $63 | $1,679 | $140 |
| AAA* | $953 | $79 | $1,880 | $157 |
| Erie Insurance* | $530 | $44 | $2,069 | $172 |
| Auto-Owners* | $667 | $56 | $2,082 | $174 |
| Elgin average | $816 | $68 | $2,190 | $183 |
This table uses Elgin ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Elgin Car Insurance Rates by ZIP Code
Across the three Elgin ZIP codes we price, full coverage for our driver ranges from about $182 a month in 60120 and 60124 to $183 in 60123, a gap of $10 a year.
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Elgin’s average.
| ZIP Code: | Liability Only 20/40/15 (Yearly): | Liability Only 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 60120 | $819 | $68 | $2,187 | $182 | -1% |
| 60123 | $817 | $68 | $2,197 | $183 | About average |
| 60124 | $814 | $68 | $2,187 | $182 | -1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Elgin?
Raising liability limits from 50/100/50 to 100/300/100 adds about $69 a year on average in our Elgin data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Progressive charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Elgin?
Not for our benchmark driver. Comparing the same insurers in the same Elgin ZIP codes, full coverage averaged $2,340 a year nine months earlier and $2,190 in rates as of Aug. 31, 2026, a 6.4% drop. Allstate’s Elgin average rose 1.4%, but Progressive’s fell 22.1%, Country Financial’s 8.5% and GEICO’s 5.8%. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/15 limits fell 0.7%, led by GEICO, which cut its liability-only average 4.4%.
What Shapes Car Insurance Costs in Elgin
Kane County averages about $180 a month for full coverage, the 63rd-most expensive of the 83 Illinois counties we price. That’s less than Cook County, at $230, and McHenry County, to the north, averages $174.
Nearby towns vary: St. Charles averages about $176 a month and South Elgin $178, while Carpentersville averages $186 and Bartlett $192. Where you live is one of the factors Illinois insurers use, so your ZIP code can move your price.
For liability-only coverage at 20/40/15 limits, Elgin averages about $68 a month, about $4 a month less than Schaumburg ($72). The Illinois liability-only average is $69.
Among insurers priced in both, Allstate’s full-coverage average differs most between Elgin and Schaumburg: about $303 a month compared with $337, a gap of about $34.
Elgin ranks tenth-lowest of the 12 Kane County cities and towns in our data. Elburn is the lowest at about $169 a month and Geneva is next at $173, while only Carpentersville ($186) and Dundee ($187) cost more than Elgin. That is a gap of about $18 a month across Kane County, compared with $1 a month between Elgin’s own three ZIP codes.
Prices change when you cross a county line from Elgin. In Cook County, Streamwood averages about $189 a month, Hoffman Estates $191 and Hanover Park $191, and in DuPage County, Bartlett averages $192. Go north into McHenry County and Algonquin averages $173, Huntley $175 and Lake in the Hills $176. Streamwood is only about five miles from Elgin and Algonquin about nine, so a short move can change your price.
Insurers don’t move together from town to town. Progressive’s Elgin average of about $102 a month matches its $102 in Schaumburg, but GEICO averages about $157 in Schaumburg against $166 in Elgin. Farther out, Progressive averages $107 in Aurora and $109 in Rockford.
Elgin’s three ZIP codes, 60120, 60123 and 60124, are priced within $1 a month of each other. Schaumburg’s three ZIP codes span $5 a month and Aurora’s five span $8. In Elgin, comparing insurers can save you far more than comparing ZIP codes: the four insurers we compared are about $201 a month apart, and the ZIP codes about $1.
How Elgin Car Insurance Compares With Other Illinois Cities
More Illinois cities and towns are in the Illinois rates by city table, and you can compare states on our car insurance rates by state page.
Schaumburg, about nine miles east, averages $190 a month, and Palatine, about 12 miles northeast, $184. Aurora averages $183 and Rockford $184. Closer in, South Elgin, about four miles southwest, averages $178, Streamwood, about five miles east, $189 and St. Charles, about nine miles south, $176.
What Car Insurance Is Required in Elgin?
Drivers in Elgin follow Illinois’ rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $20,000 per crash
- Uninsured motorist coverage of $25,000 per person and $50,000 per crash, for injuries
Underinsured motorist coverage is required only if you buy uninsured motorist limits above the minimum, and uninsured motorist property damage coverage is optional. Our Illinois requirements guide covers the details and what happens if you can’t prove coverage.
How to Lower Your Car Insurance Rate in Elgin
- Compare Progressive and Country Financial first. They have the two lowest full-coverage averages among the four major insurers we compared in Elgin, about $102 and $159 a month.
- Quote several insurers. In our Elgin data, the lowest and highest insurer averages are about $201 a month apart for the same driver and car.
- Price a move before you sign. Your rate follows the address where you keep your car. For our benchmark driver, a move from Elgin to Algonquin, in McHenry County, would mean about $10 a month less ($173 compared with $183), while a move to Streamwood, in Cook County, would mean about $6 a month more ($189).
- Ask about uninsured motorist property damage. Illinois insurers must offer it, with a deductible of no more than $250, and you can buy it with or without collision coverage. It pays for damage an uninsured driver does to your car.
- Compare at every renewal. Over the past nine months, Progressive has cut its Elgin average 22.1%, Country Financial 8.5% and GEICO 5.8%, while Allstate has raised its average 1.4%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Illinois home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Elgin Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 12 full-coverage premiums from four insurers across three Elgin ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Illinois averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/15 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Illinois’ minimum has been 25/50/20 since January 2015, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Illinois rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Illinois law and the Illinois Department of Insurance. We refresh these figures when new rate data is released.
Elgin Car Insurance FAQ
For our benchmark driver, full coverage in Elgin averages about $183 a month ($2,190 a year) and liability-only coverage at 20/40/15 limits about $68 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 9% below the Illinois average of $201 a month.
It depends on the coverage. For full coverage, averages in Elgin run from about $102 to $303 a month across the four major insurers we compared, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage at 20/40/15 limits, GEICO and Country Financial are effectively tied for the lowest average among the four major insurers we compared. The published 2026 statewide Illinois rate studies we reviewed are split between Travelers and GEICO as the cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Elgin, for our benchmark driver. Elgin full coverage averages about $183 a month and Schaumburg about $190, a difference of about $7 a month for the same driver and car.
In our data, 60120 and 60124 share the lowest full-coverage average in Elgin, at about $182 a month, and 60123 the highest, at about $183. The ZIP code table on this page lists all three.
In our Elgin data, full coverage (100/300/100 with $500 deductibles) averages about $183 a month and liability-only coverage at 20/40/15 limits about $68, a difference of about $115 a month ($1,374 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Illinois law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Elgin full coverage fell 6.4% over the past nine months, from about $2,340 to $2,190 a year. Progressive cut its Elgin average 22.1%, Country Financial 8.5% and GEICO 5.8%, while Allstate raised its average 1.4%. Liability-only coverage at 20/40/15 limits fell 0.7%.
For our benchmark driver, full coverage in Elgin averages about $183 a month. Nearby, Schaumburg averages about $190, Palatine about $184 and Arlington Heights about $182. Arlington Heights is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
- Latest Posts
Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
