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Elgin Car Insurance

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Starting at $14 Per Month

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A+ Rated For Over 35 Years

American Auto Insurance is a leading provider of automotive insurance to residents in and around Elgin, Illinois. Our local agency has its headquarters in Chicago, along with payment centers located in Springfield, Peoria, and Champaign. We serve drivers located throughout the state of Illinois, including Elgin. As a trusted local provider of car insurance solutions, we understand our customers’ unique needs and offer a wide range of options.

About Elgin, Illinois

Elgin is a city situated in both Kane and Cooke counties in the state of Illinois. It sits about 35 miles northwest of Chicago and 220 miles northwest of the capital city of Springfield. The 2020 Census Report indicated that over 114,000 people call Elgin home. The city gets its name from a Scottish song, and brothers James T. and Hezekiah Gifford established and named Elgin in early 1835. In its early days, the city was known for the dairy products produced and sold to Chicago residents. The Elgin Watch Company was also established in this city and served as the largest local employer for decades. Although the watch production factory has since been torn down, it was once the largest watchmaking complex in the world. The clocks located within Chicago’s Union Station still feature the Elgin Watch Company name. Several famous people hail from Elgin, including Lloyd Hall, a pioneering Black chemist, and Max Adler, the founder of the first planetarium in the nation.

Affordable Auto Insurance

Something that sets us apart from other insurance providers in the Elgin area is our commitment to affordable rates. We make it easy to get auto insurance at a great price. Our policies fit into just about any budget with available payment plans. All drivers in the state of Illinois must have current auto insurance coverage on the vehicles they drive. If you’re involved in a collision, your insurance may be responsible for covering any expenses incurred. State law requires each driver to hold a current liability insurance policy with the following minimum coverage amounts:

  • $25,000 for death or injury of one person in a collision.
  • $50,000 for death or injury of more than one person in a collision.
  • $20,000 for damage to property of another person.

To comply with the law, you must also carry an insurance card in your vehicle and present it upon request to a law enforcement officer. When you secure a policy with American Auto Insurance, we’ll provide you with a card that you can keep in your vehicle as evidence of coverage.

High-risk Driver Insurance

Regardless of your driving history, American Auto Insurance can help you get coverage that you can afford. We serve all drivers, including those with suspended and international driver’s licenses. We can also help drivers who have experienced lapses in auto insurance coverage or have been deemed as high-risk because of previous accidents or traffic violations. Even if you have been turned down for coverage by other insurance companies, contact us to request a quote. We make it easy to get the coverage you need at a reasonable price. Since we’re a local agency, we understand the needs of drivers located in and near Elgin, Illinois. We’re committed to providing the lowest-cost auto insurance in the state while ensuring that you have the coverage you need to protect yourself when out on the road. Our agents are standing by, ready to chat with Elgin locals looking for affordable and high-quality auto insurance coverage.

SR-22 Insurance Options

Some high-risk drivers are required to carry SR-22 insurance bonds, also referred to as Certificates of Financial Responsibility. An SR-22 insurance bond is an official document that verifies that a driver has secured car insurance that meets the minimum coverage requirements in the state. This law applies in the state of Illinois, so if your driving record requires it, we can help you get the necessary document. Some of the violations that might require a driver to maintain this document include:

  • Expired license plates.
  • Lapse in auto insurance coverage.
  • DUI conviction.
  • Multiple traffic violations.
  • Excessive unpaid tolls.
  • Driving with a suspended or revoked license.

As mentioned, we work with all drivers, including those required to maintain the SR-22 insurance bond. When you work with your agent to get auto insurance coverage, make sure to mention that you need an SR-22 document. We’ll take care of producing and electronically filing the document with the Illinois Secretary of State’s office on your behalf. When the form has been processed and filed, you’ll receive a notification from the state that reinstates your driver’s license and/or vehicle registration. Drivers required to file an SR-22 document must maintain their auto insurance coverage continuously for a period of three years. Lapses in coverage or expiration of the policy require the insurance provider to alert the Secretary of State’s office, which can result in a suspension or revoking of driving privileges. At least 45 days prior to the expiration of the policy, make sure you start the renewal process to avoid any issues. After maintaining coverage for three years, the SR-22 requirement should drop.

Coverage Options

At American Auto Insurance, we customize insurance policies based on the unique needs of each customer. Our policies meet and exceed the state minimum coverage requirements set forth by the state of Illinois, so you’ll know that you’re covered in the event of a collision. Coverage options include:

  • Bodily injury liability.
  • Property damage liability.
  • Comprehensive physical damage.
  • Uninsured motorists coverage.

We also include 24/7 emergency roadside assistance on all policies we provide to drivers. Having access to roadside assistance can help you get out of a tough situation, such as if your vehicle breaks down in an unfamiliar area or needs to be towed for repairs. Other services available to customers include jump starts, gas delivery, mechanical assistance, tire changes, and lockout assistance. If you’re located in or around Elgin, Illinois, contact us to request a free quote for an auto insurance policy that will fit into your budget. We have over three decades of experience in the industry and an A+ rating with the local Better Business Bureau. You can count on us to take care of your needs and provide a great experience. If you drive in Aurora and want quality, affordable automobile insurance, get the best rates available by calling American Auto Insurance – 630-832-2400 and get a free quote today.

Bodily injury liability insurance covers people, not vehicles. It protects you if you injure or kill someone while operating your car.

Property damage liability insurance protects you if your car damages someone else’s property. It also provides you with a legal defense if someone files a lawsuit against you.

This covers losses that aren’t the result of a collision. For example, comprehensive insurance covers damage to your car if it is stolen, damaged by flood or fire.

If you’re injured by an uninsured driver, you’re covered.


Learn more about American Auto Insurance from our satisfied customers!

Selena Martinez / 


Your agents are the best! They are very professional, nice, polite and they listen to you whenever you call. Thank you!

kYLE b. /


I just purchased my SR-22 Insurance policy with American Auto and it was a wonderful experience. They were able to save me over $150 a month after I made the switch. It was fast and easy. AMERICAN AUTO IS THE WAY TO GO!

cHAD s. /


American Auto Insurance is the best choice in the Chicagoland area.

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Auto Insurance & SR-22