Elgin is located roughly 35 miles northwest of Chicago, and lies along the Fox River. Elgin has a long tradition of education and invention, and is home to the Elgin Academy, one of the oldest coeducational, non-sectarian college preparatory schools in the country. Elgin High School has five navy admirals, a Nobel Prize winner, a Pulitzer Prize winner, a Tony Award winner, two Academy Award–winning producers, Olympic athletes and a General Motors CEO among its alumni. The cost of living in Elgin is 6% higher than the Illinois average, and 4% higher than the national average. The average travel time to work in Elgin is 11% higher than the national average, and he number of people who take public transportation in Elgin is 53% lower than the national average. If you live in this intriguing city, it might be a good idea to explore all the options for cheap car insurance Elgin has available.
Elgin Insurance Requirements
Estimates show that traffic delays cost the average Illinois commuter over $1,100 a year. Because the highway system is so unpredictable, most commuters plan for extra time every day to account for possible delays. For real time traffic conditions the Department of Transportation has a map showing current congestion spots. Traffic conditions and frequent delays result in an average of 51 hours of delay per commuter.
- Illinois’ mandatory minimum coverage for bodily injury or death of one person in an accident is $20,000.
- Illinois’ mandatory minimum coverage for bodily injury or death of more than one person in an accident is $40,000.
- Illinois’ mandatory minimum coverage for damage to property of another person is $15,000.
The minimum coverage may be all the law requires, but one of the biggest contributors to Elgin’s increased auto insurance premiums is the rate of uninsured motorists, which is 15% statewide. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for
the best cheap car insurance Elgin can provide.
- Towing and labor
- Rental reimbursement
- Uninsured motorist bodily injury
Public Transportation In Elgin
There are 5 Amtrak train stations within 30 miles of the Elgin city center. Beginning in 2016, Pace began service on an express route between Elgin and the Rosemont (CTA Blue Line And Metra station). The service will operate along I-90 utilizing expanded shoulders beginning summer 2017. If you’re lucky enough to live in an area good public transportation, you can drastically reduce the number of miles you drive each year. That should lower your auto insurance rates a great deal.