Car Insurance in Elmhurst, IL
Not every Elmhurst driver has the same habits on I-290. 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 Elmhurst?
The average estimated cost of Lemonade car insurance in Elmhurst ranges from roughly $1,920 to $1,980 per year*, depending on factors like your age, driving history, car type, and location.
| City | Average annual cost |
|---|---|
| Berkeley | $1,380 to $1,440 |
| Villa Park | $1,620 to $1,680 |
| Melrose Park | $4,380 to $4,440 |
| Hillside | $3,780 to $3,840 |
How can I get cheaper car insurance in Elmhurst?
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 Elmhurst?
Every Elmhurst 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 Elmhurst?
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 Elmhurst?
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 Elmhurst drivers driving?
Next time you’re stuck on I-290 westbound through the York Road interchange, play along.
Here are the nine makes you’re most likely to spot on Elmhurst roads, according to our data.
Beyond Elmhurst: car insurance across Illinois
Elmhurst car insurance FAQs
What happens if you drive without insurance in Elmhurst, IL?
Illinois requires all drivers to carry at least the state minimum liability coverage, and getting caught without it in Elmhurst can mean fines, a suspended license, and even vehicle registration being revoked. If you cause an accident while uninsured, you’re on the hook for the other driver’s medical bills and repairs out of pocket. It’s one of those risks that really isn’t worth taking.
How does Elmhurst's weather affect my car insurance?
Elmhurst winters can be rough, with heavy snow, ice, and freezing temps that increase the risk of accidents, skids, and weather-related damage. Comprehensive coverage can help cover things like a falling tree limb after a storm or damage from flooding during heavy spring rains. If you’re navigating Route 83 or York Road in icy conditions, having solid coverage makes a real difference.
Is car insurance more expensive for younger drivers in Elmhurst?
Young drivers typically pay more for car insurance, but safe driving habits can bring that cost down significantly, so your rate doesn’t have to be as high as you might expect. Building a clean record early is one of the best things a younger driver in Elmhurst can do for their long-term rates.
What coverage options go beyond Illinois state minimums?
Illinois requires bodily injury and property damage liability, but many Elmhurst drivers also add collision coverage (which helps pay for repairs after an accident), comprehensive coverage (for theft, weather, or other non-collision damage), and medical payments coverage. Given the volume of traffic on Route 290 and I-290 running near Elmhurst, having more than the bare minimum can be a smart call.
What should I do after a car accident in Elmhurst?
First, make sure everyone is safe and call 911 if there are any injuries. Exchange insurance and contact information with the other driver, and document the scene with photos before anyone moves the vehicles. Then report the accident to your insurance company as soon as possible so your claim can get started quickly.
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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