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Local Allstate Insurance Agent: David Cotter
David Cotter was practically born into the insurance world—his father began working for Allstate in 1972, and both his brother and sister went on to become agents. With that strong foundation, David opened his first agency in Lisle 1999 and has been proudly serving his community ever since. David genuinely enjoys connecting with people and helping see they have the right coverage for their needs. His approachable style and deep industry knowledge make him a resource for customers. Outside of work, David is all about family and the outdoors. He and his wife Beth have one child, along with a lively household that includes dogs and a cat. When he’s not helping customers, you’ll likely find him RVing, hiking, camping, or cheering on his favorite college football and basketball teams.
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David Cotter was practically born into the insurance world—his father began working for Allstate in 1972, and both his brother and sister went on to become agents. With that strong foundation, David opened his first agency in Lisle 1999 and has been proudly serving his community ever since. David genuinely enjoys connecting with people and helping see they have the right coverage for their needs. His approachable style and deep industry knowledge make him a resource for customers. Outside of work, David is all about family and the outdoors. He and his wife Beth have one child, along with a lively household that includes dogs and a cat. When he’s not helping customers, you’ll likely find him RVing, hiking, camping, or cheering on his favorite college football and basketball teams.
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Products we offer:
Auto
Car Insurance in Saint Charles
Car Insurance in Saint Charles
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Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer uninsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, optional coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
Helps protect the portion of your condo, co-op or townhome for which you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
Allstate Business Insurance protects your business in ways other insurance might not. A business owners policy (BOP) usually includes three common types of coverage to help protect you and your small business: property coverage, general liability coverage and business interruption coverage. In addition to these basic coverages, the Allstate Business Owners Policy can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business and your employees.
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Life
Life Insurance in Saint Charles
Life Insurance in Saint Charles
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Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
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ATV
ATV Insurance in Saint Charles
ATV Insurance in Saint Charles
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Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!
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30+
Years of Experience
30+
Years in the Community
EducationEducation dropdown expand/collapse
Bachelor Of Business Administration-Western Michigan University
AwardsAwards dropdown expand/collapse
Honor Ring-8 years
Inner Circle Elite Award-5 years
National Conference Award-5 years
Recent reviews
Rating 5.0
kenneth racine
Feb. 13, 2026
Agent Response
Thank you, Kenneth, for your positive feedback! We
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Thank you, Kenneth, for your positive feedback! We're thrilled to know you're satisfied with our services. As a valued customer, your trust and support mean a lot to us. If you ever need assistance, feel free to reach out.
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Rating 5.0
kathleen odonnell
Feb. 7, 2026
Excellent
Agent Response
Thank you so much, Kathleen, for your wonderful re
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Thank you so much, Kathleen, for your wonderful review! We're really happy to hear that you're satisfied with our services. Your support means the world to us! If you need any assistance, please feel free to reach out anytime.
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Rating 5.0
gage kalinka
Jan. 21, 2026
Agent Response
Thank you, Gage, for your positive feedback! We're
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Thank you, Gage, for your positive feedback! We're thrilled to hear that you're satisfied with our services. As a valued customer, your trust means a lot to us. If you ever have any questions or need assistance, feel free to reach out. We're here to help!
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Rating 5.0
carolyn nelson
Jan. 19, 2026
Agent Response
Thank you, Carolyn, for your positive feedback! We
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Thank you, Carolyn, for your positive feedback! We're over the moon to hear that you had a great experience with us. As a valued customer, your satisfaction is our top priority—right after making sure our coffee is always hot! If you ever need assistance, feel free to reach out; we promise not to send a carrier pigeon!
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Rating 5.0
kristin richter
Jan. 7, 2026
Agent Response
Thank you, Kristin, for your positive feedback and
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Thank you, Kristin, for your positive feedback and for being a valued customer. We're thrilled to know you're satisfied with our services. Your trust in us is greatly appreciated, and we're here to continue supporting your insurance needs.
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Rating 5.0
bernie villa
Jan. 1, 2026
Excellent customer service Very polite and helpful and always there when you need them.
Agent Response
Thank you, Bernie, for your kind words and for bei
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Thank you, Bernie, for your kind words and for being a valued customer. We're thrilled to hear that our team has been polite, helpful, and reliable whenever you need us. Your satisfaction is our priority!
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Rating 2.5
jennifer kruis
Dec. 8, 2025
Agent Response
Hi Jennifer! Thank you for your feedback. Please r
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Hi Jennifer! Thank you for your feedback. Please reach out to DavidCotter@allstate.com for further assistance.
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Rating 5.0
debra green
Oct. 23, 2025
Agent Response
Thank you, Debra, we appreciate the 5 stars.
Rating 5.0
mark van ryne
Oct. 7, 2025
Agent Response
Thank you, Mark, for your positive feedback! We're
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Thank you, Mark, for your positive feedback! We're thrilled to know you're satisfied with our services. As a valued customer, your trust means a lot to us. If you ever need assistance, feel free to reach out.
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Rating 5.0
judy meyer
Jul. 1, 2025
Always great service! Wonderful concerned people.
Agent Response
Thank you, Judy, for your kind words! We're thrill
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Thank you, Judy, for your kind words! We're thrilled to hear that you've consistently experienced great service and care from our team. Your satisfaction is our top priority, and we truly appreciate your feedback. If you ever need assistance, we're here to help!
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Rating 5.0
jolanta banasiak
Apr. 10, 2025
Well informed agents and fairly quick responses to calls made me move from a previous insurance. Thank you.
Rating 5.0
richard fitzgerald
Jan. 17, 2025
So far, so good. Only been a customer for four months.
Rating 5.0
rosa zarco
Nov. 4, 2024
He was very pleasant to work with.
Rating 5.0
robert marcotte
Oct. 31, 2024
Agent Response
Thank you, Robert, for your positive feedback and
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Thank you, Robert, for your positive feedback and for being a valued customer. We're thrilled to know you're satisfied with our services. Your trust in us is greatly appreciated, and we're here to continue providing reliable support for all your insurance needs.
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Rating 5.0
rosa zarco
Sep. 10, 2024
Very helpful, answers immediately, price quote and options good rate, friendly, non intimidating.
Rating 5.0
thomas alore
Aug. 28, 2024
Rating 5.0
raffaella fuelling
Aug. 27, 2024
The team has consistently provided me excellent customer service and responds to me so quickly.
We have staff members available who speak the following languages: English, Albanian
David Cotter is insurance licensed in the state(s) of Illinois, Indiana, Iowa, Missouri, Virginia, and Wisconsin. If you do not reside in the state(s) of Illinois, Indiana, Iowa, Missouri, Virginia, or Wisconsin, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.
Based on coverages selected. Subject to terms, conditions, availability & qualifications.
This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate North American Insurance Co. and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.
Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 151 North 8th Street, Suite 450, Lincoln, NE 68508. (877) 232-2142.
Check the background of this firm on FINRA's BrokerCheck website.