Elgin Car Insurance

Your 2017 Guide to Buying Car Insurance in Elgin, IL

Elgin is located just forty miles from one of the top ten most traffic-congested cities in the US, and car owners here commute to and from Chicago. When you’re hopping on I-90, you must still meet the Illinois minimum car insurance standards. You want to ensure that you have the right coverage to protect your car and the family that rides in it.

It’s often a challenge deciding which Elgin, IL car insurance policy to purchase. Let a local independent insurance agent assist you in comparing the top insurance policies that meet your needs and budget requirements. These agents are trained professionals who will discuss your coverage options before presenting reasonably-priced Elgin auto insurance quotes. Contact an agent in your area to get started.

  • National average cost per year: $1,311
  • Illinois average cost per year: $1,079
  • 39th most expensive premiums in the US

You may pay considerably lower than the national average, but keep in mind that your specific Elgin car insurance premium will depend on factors such as age, driving history and vehicle type. Your local agent can help you evaluate your needs to determine the best policy at the best price from many top insurers.

What are the Minimum Elgin Car Insurance Requirements?

State law in IL requires that drivers carry a minimum liability insurance policy. This coverage protects you against a large financial loss in case you cause damage while driving. Car owners in Elgin and all of Illinois are also required to have property damage coverage, as well as uninsured motorist coverage.

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: required
  • Minimum liability limits: 25/50/20
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $20,000 coverage for property damage.

Elgin, Illinois Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Illinois uninsured motorists: 13.3%
  • Illinois average car repair costs: $2,449

There are more uninsured motorists in Illinois than the national average, and it is important for you to be protected in case of an accident caused by an uninsured driver. This coverage gives you the security of knowing that if the at-fault driver has no insurance, you can get compensation from your insurance company right away.

Find the Right Elgin Car Insurance for Your Needs

The right Elgin car insurance coverage can protect you in the event of an accident or theft. Since Illinois requires a minimum standard of insurance, it’s to your advantage to make sure you have coverage that meets that standard and your individual needs. Your policy premium is determined by factors unique to you. These may include your address, claims history and the age of your vehicle. Your coverage needs to be customized as well. That’s where an independent agent comes in. A local agent can help you navigate the process of finding the right coverage at the right price.

Don’t spend that commute worrying about your Elgin car insurance. Ensure that you have the proper coverage by evaluating your needs with an independent agent in our network. Take advantage of their experience and expertise as they present you with competitive Elgin auto insurance quotes. They’ll save you time and money while you focus on more important things, like keeping that excellent driving record clean.

Now, who's ready to get their insurance problems solved?