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Hoffman Estates Car Insurance

How much does car insurance cost in Hoffman Estates, IL? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Hoffman Estates?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Illinois has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Hoffman Estates typically pay around $95.69 per month compared to the national average of $134.00 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.00
Illinois $98.91
Hoffman Estates, Illinois $95.69

Hoffman Estates, IL Best Car Insurance Companies

car insurance in Hoffman Estates

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, SAFECO generally has the most affordable car insurance in Hoffman Estates coming in around $76.10 per month. Other companies to consider if you live in Hoffman Estates is Pekin Insurance with an average cost of $80.48 per month and SECURA Insurance which typically runs around $90.78 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Hoffman Estates.

RankCompanyAverage Monthly RateComparison State Average
1 SAFECO $76.10-23.06%
2 Pekin Insurance $80.48-18.63%
3 SECURA Insurance $90.78-8.22%
4 State Farm $96.90-2.03%
5 Country $101.782.91%
6 USAA $106.587.75%
7 Travelers $107.989.17%
8 Auto-Owners Insurance Co $109.1210.33%
9 Esurance $112.8214.07%
10 Rockford Mutual Insurance $113.2914.54%

How Much is Car Insurance in Hoffman Estates, IL?

how much is auto insurance in Hoffman Estates

Rates can vary from city to city. The residents of Aurora typically pay $97.97 per month while people who live in Chicago will pay $113.72 per month on average. See what people pay for car insurance in other cities in Illinois.

Illinois CitiesMonthly Average Rate
Aurora $97.97
Chicago $113.72
Hoffman Estates $96.08
Peoria $81.20
Rockford $89.30
Springfield $83.38

Cheap Car Insurance in Hoffman Estates by Zip Codes

find cheap auto insurance in Hoffman Estates

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Illinois. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Hoffman Estates, IL ZIP CodeAverage Monthly Rate
60169$102.13
60192$68.28

Car Insurance Rates by Driver's Age Group in Hoffman Estates

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $403.94 per month in Hoffman Estates. Compare that to drivers in their 30’s who typically pay around $81.29 per month drivers in their 40s at $66.67 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$403.94
20s$113.58
30s$81.29
40s$66.67
50s$55.67
60s$81.59
70+$95.58

Cheapest Insurance for Teenage Drivers in Hoffman Estates

If you are teen in Hoffman Estates you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, SECURA Insurance typically charges around $120.67 per month. This is likely the most affordable option in Hoffman Estates. You might also want to consider State Farm and Auto-Owners Insurance Co who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
SECURA Insurance$120.67
State Farm$130.58
Auto-Owners Insurance Co$130.67
Pekin Insurance$135.67
Direct Auto$169.65

Cheapest Insurance for 20 Year-olds in Hoffman Estates

20 year-olds in Hoffman Estates might want to consider SAFECO who, on average, offers car insurance rates around $108.08 per month. SECURA Insurance , Pekin Insurance , Country and Auto-Owners Insurance Co are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
SAFECO$108.08
SECURA Insurance$110.78
Pekin Insurance$112.33
Country$129.44
Auto-Owners Insurance Co$135.28

Cheapest Insurance for 30 Year-olds in Hoffman Estates

If you are in your 30s in Hoffman Estates our research has found that Pekin Insurance typically has the most affordable coverage coming in around $60.94 per month, followed by Jupiter Auto Insurance at $66.80 and SECURA Insurance at $71.72.

CompanyAverage Monthly Rate
Pekin Insurance$60.94
Jupiter Auto Insurance$66.80
SECURA Insurance$71.72
Direct Auto$72.45
Esurance$75.28

Cheapest Insurance for 40 Year-olds in Hoffman Estates

On average, State Farm offers car insurance for 40 year-olds in Hoffman Estates for around $53.38 per month. If you are looking for affordable coverage, you may also want to consider Pekin Insurance or SAFECO. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$53.38
Pekin Insurance$53.42
SAFECO$54.58
Auto-Owners Insurance Co$55.29
Mercury$57.42

Cheapest Insurance for 50 Year-olds in Hoffman Estates

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Hoffman Estates we found that Pekin Insurance generally offers the most affordable coverage at $49.59 per month.

CompanyAverage Monthly Rate
Pekin Insurance$49.59
SECURA Insurance$54.92
Country$61.54
Rockford Mutual Insurance$62.17
State Farm$62.92

Cheapest Insurance for 60 Year-olds in Hoffman Estates

If you live in Hoffman Estates and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $67.05 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Direct Auto$67.05

Driver's Coverage Auto Insurance Rates in Hoffman Estates, IL

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Hoffman Estates, the average monthly rate for a driver who is currently insured is $100.14 while drivers who are not currently covered will pay around $92.03.

CoverageAverage Monthly Rate
Not Currently Insured $92.03
Currently Insured $100.14

Compare Recent Car Insurance Quotes in Hoffman Estates

auto insurance quotes in Hoffman Estates city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Hoffman Estates a driver of a 2019 Nissan Kicks can expect to pay around $129.00 per month while someone that owns a 2021 Chevrolet Silverado may pay around $676.40 per month. Check out the list of recent quotes in Hoffman Estates below.

VehicleAverage Monthly Rate
2019 Nissan Kicks$129.00
2021 Chevrolet Silverado$676.40
2014 Bmw 528$274.60
2016 Chevrolet Cruze$136.60
2010 Toyota Highlander$66.80
1999 Buick Regal$70.05
2003 Kia Spectra$69.00
2006 Jeep Grand Cherokee$108.75
2018 Mazda Cx-5$58.80
2005 Toyota Prius$74.70

FAQ's for Drivers in Hoffman Estates, IL

driver’s frequently asked question in Hoffman Estates

What Is the Minimum Liability Coverage Requirement in Hoffman Estates, IL?

In Illinois, you are legally required to obtain liability insurance and uninsured motorist coverage. Both are for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passengers in another vehicle (whether or not the other driver is insured or is underinsured). Liability coverage pays up to the amounts listed below.* It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

Since Illinois is a “fault” or “tort” state, your carrier will pay for accident damages only once you are found responsible for causing the accident. You can also be sued by the other driver if found at fault. Consider this: $20,000 is the maximum payment for property damage in Illinois but you collide with a $35,000 vehicle. If you are found at fault, you are on the hook for any damages beyond $20,000. Between this and the high cost of medical care, we recommend you carry more than the minimum required coverage!

  •  $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  •  $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  •  $20,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

What Is the Blood Alcohol Concentration (BAC) limit in Hoffman Estates, IL?

It is illegal for an individual to operate a motor vehicle in Illinois with the following BAC percentages:

.08%+ @ 21 years old or older

.04%+ for commercial vehicle drivers

.01%+ @ < 21 years old

Does Illinois allow the use of digital insurance cards?

Yes! Thanks to Bill SB1775, getting pulled over in Illinois is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!

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Commute Time in Hoffman Estates, IL

31 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Hoffman Estates, IL

1093

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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