Car Insurance in Bartlett, IL
Not every Bartlett driver has the same habits on the 355. The careful ones, the smooth brakers, the ones who keep their phone face down and their eyes on the road?
Lemonade notices. And prices you accordingly.
How much does car insurance cost in Bartlett?
The average estimated cost of Lemonade car insurance in Bartlett ranges from roughly $1,800 to $1,860 per year*, depending on factors like your age, driving history, car type, and location.
| City | Average annual cost |
|---|---|
| Hanover Park | $2,820 to $2,880 |
| Streamwood | $1,800 to $1,860 |
| Elgin | $2,220 to $2,280 |
| South Elgin | $1,740 to $1,800 |
How can I get cheaper car insurance in Bartlett?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Hybrid/EV discount
Got a hybrid or EV? We think that’s worth rewarding. You’ll get a lower rate, automatically.
What is the minimum car insurance
required in Bartlett?
Every Bartlett driver needs to carry a minimum level of coverage to legally drive.
Here’s exactly what the state requires.
| Required minimum coverages for Illinois drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $20,000 |
| Uninsured motorist coverage/underinsured motorist bodily injury coverage | $25,000 (per person)/ $50,000 (per accident) |
What additional car insurance coverages
does Lemonade offer in Bartlett?
The state minimum covers the basics. These coverages help fill in the gaps.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash- like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured / underinsured motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured motorist property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreWhat’s the best car insurance in Bartlett?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
What are Bartlett drivers driving?
Next time you’re stuck on 355 heading south toward Lombard during rush hour, play along.
Here are the nine makes you’re most likely to spot on Bartlett roads, according to our data.
Beyond Bartlett: car insurance across Illinois
Bartlett car insurance FAQs
What happens if you drive without insurance in Bartlett, IL?
Illinois requires all drivers to carry at least the state minimum liability coverage, and getting caught without it means fines, a suspended license, and possible registration revocation. If you cause an accident without insurance, you’re personally on the hook for any damages or injuries. It’s a risk that almost always costs more than the coverage itself.
How does Bartlett's weather affect my car insurance?
Bartlett winters can be rough, with heavy snow, ice, and freezing temps that increase the risk of accidents and vehicle damage. Comprehensive coverage can help with weather-related damage like a fallen tree branch or a flood from spring storms, which basic liability won’t touch. If you’re driving on Route 59 or the I-290 corridor in icy conditions, having solid coverage is worth thinking about.
Does being a young driver in Bartlett mean I'll always pay more for car insurance?
Not necessarily. Young drivers with clean records and safe habits can qualify for lower rates than their age alone might suggest. Shopping around and maintaining a solid driving history from the start is one of the best ways to keep costs manageable.
What coverage options go beyond Illinois's state minimum?
Illinois only requires liability coverage, which pays for the other person’s damages if you’re at fault, but it won’t cover your own car. Collision coverage helps pay to repair or replace your car after an accident, and comprehensive covers things like theft, hail, or a deer crossing Route 20 at the wrong moment. Adding these protections means you’re not left covering repair bills out of pocket.
What should I do after a car accident in Bartlett, IL?
First, make sure everyone is safe and call 911 if there are injuries. Exchange insurance and contact information with the other driver, and document the scene with photos before anything is moved. Then report the accident to your insurance provider as soon as possible so the claims process can get started.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average car premiums from Sept 2025 through August 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances. Vehicle make rankings reflect active Lemonade Car policyholders in Illinois as of August 2026, based on Lemonade’s internal data. All figures are based on Lemonade’s internal claims data, intended for illustrative purposes only, and may not be representative of all Illinois drivers or the broader insurance market.
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