Best Aurora, IL Car Insurance in 2024
Car insurance in Aurora, IL averages $274 a month. Aurora, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Aurora car insurance rates, compare quotes from the top car insurance companies in Aurora, IL.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Aurora for teen drivers is USAA
- Average car insurance rates in Aurora, IL are $3,290/year
- Average car insurance rates in Aurora, IL after a DUI are $3,842/year
If you need to buy Aurora, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Aurora, IL is right here.
You’ll find Aurora car insurance rates, the cheapest Aurora, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Aurora, Illinois car insurance rates to Rockford car insurance rates, Cicero car insurance rates, and Aurora car insurance rates.
Ready to find affordable Aurora, IL car insurance today? Enter your ZIP code for fast, free Aurora car insurance quotes.
Cheapest Aurora, IL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Aurora, IL car insurance rates? Every Aurora, Illinois car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,246 | $3,260 | $3,405 | $3,405 | $8,560 | $11,121 | $3,904 | $4,221 |
| American Family | $2,239 | $2,239 | $2,058 | $2,058 | $6,482 | $8,923 | $2,239 | $2,896 |
| Farmers | $2,486 | $2,483 | $2,197 | $2,334 | $11,181 | $11,660 | $2,842 | $2,956 |
| Geico | $1,747 | $1,800 | $1,711 | $1,926 | $6,267 | $6,471 | $1,992 | $2,066 |
| Liberty Mutual | $1,398 | $1,505 | $1,161 | $1,297 | $4,913 | $5,460 | $1,457 | $1,528 |
| Nationwide | $1,684 | $1,705 | $1,507 | $1,586 | $4,648 | $5,922 | $1,965 | $2,118 |
| Progressive | $2,110 | $1,973 | $1,747 | $1,835 | $7,995 | $8,953 | $2,507 | $2,703 |
| State Farm | $1,554 | $1,554 | $1,409 | $1,409 | $5,003 | $6,310 | $1,764 | $2,039 |
| Travelers | $1,557 | $1,639 | $1,443 | $1,534 | $4,737 | $5,994 | $1,645 | $1,730 |
| USAA | $1,472 | $1,485 | $1,373 | $1,339 | $4,850 | $5,318 | $1,928 | $2,097 |
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Minimum Car Insurance in Aurora, IL
Every driver must carry the minimum car insurance in Aurora, IL. Take a look at the Illinois car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
Cheapest Aurora, IL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Aurora, IL. Compare credit history car insurance rates in Aurora from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,538 | $4,736 | $4,146 |
| American Family | $4,825 | $3,302 | $2,798 |
| Farmers | $5,400 | $4,563 | $4,339 |
| Geico | $4,820 | $2,347 | $1,826 |
| Liberty Mutual | $3,301 | $2,073 | $1,646 |
| Nationwide | $3,143 | $2,551 | $2,232 |
| Progressive | $4,235 | $3,608 | $3,341 |
| State Farm | $3,825 | $2,290 | $1,776 |
| Travelers | $3,077 | $2,504 | $2,024 |
| USAA | $3,292 | $2,275 | $1,881 |
Cheapest Aurora, IL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Aurora, IL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,623 | $6,276 | $5,846 | $4,816 |
| American Family | $2,676 | $3,806 | $5,052 | $3,034 |
| Farmers | $4,019 | $5,202 | $5,072 | $4,777 |
| Geico | $2,013 | $3,272 | $4,340 | $2,366 |
| Liberty Mutual | $1,942 | $2,778 | $2,430 | $2,209 |
| Nationwide | $2,144 | $2,752 | $3,221 | $2,451 |
| Progressive | $3,061 | $4,586 | $3,398 | $3,865 |
| State Farm | $2,383 | $2,877 | $2,630 | $2,630 |
| Travelers | $2,013 | $2,650 | $2,952 | $2,524 |
| USAA | $1,766 | $2,552 | $3,482 | $2,132 |
Cheapest Aurora, IL Car Insurance for Teen Drivers
Teen car insurance in Aurora, IL can be expensive. Take a look at rates from the top car insurance companies in Aurora for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,560 | $11,121 |
| American Family | $6,482 | $8,923 |
| Farmers | $11,181 | $11,660 |
| Geico | $6,267 | $6,471 |
| Liberty Mutual | $4,913 | $5,460 |
| Nationwide | $4,648 | $5,922 |
| Progressive | $7,995 | $8,953 |
| State Farm | $5,003 | $6,310 |
| Travelers | $4,737 | $5,994 |
| USAA | $4,850 | $5,318 |
Cheapest Aurora, IL Car Insurance for Seniors
Take a look at Aurora, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,405 | $3,405 |
| American Family | $2,058 | $2,058 |
| Farmers | $2,197 | $2,334 |
| Geico | $1,711 | $1,926 |
| Liberty Mutual | $1,161 | $1,297 |
| Nationwide | $1,507 | $1,586 |
| Progressive | $1,747 | $1,835 |
| State Farm | $1,409 | $1,409 |
| Travelers | $1,443 | $1,534 |
| USAA | $1,373 | $1,339 |
Cheapest Aurora, IL Car Insurance Rates After a DUI
A DUI in Aurora, IL increases car insurance rates. Compare Aurora, Illinois DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,846 |
| American Family | $5,052 |
| Farmers | $5,072 |
| Geico | $4,340 |
| Liberty Mutual | $2,430 |
| Nationwide | $3,221 |
| Progressive | $3,398 |
| State Farm | $2,630 |
| Travelers | $2,952 |
| USAA | $3,482 |
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Cheapest Aurora, IL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Aurora, IL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,140 | $5,140 |
| American Family | $3,596 | $3,688 |
| Farmers | $4,767 | $4,767 |
| Geico | $2,946 | $3,049 |
| Liberty Mutual | $2,340 | $2,340 |
| Nationwide | $2,642 | $2,642 |
| Progressive | $3,728 | $3,728 |
| State Farm | $2,564 | $2,697 |
| Travelers | $2,435 | $2,634 |
| USAA | $2,413 | $2,552 |
Cheapest Aurora, IL Car Insurance Rates by ZIP Code
Aurora car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Aurora, IL.
| ZIP Code | Average Annual Rates |
|---|---|
| 60502 | $3,177 |
| 60503 | $3,223 |
| 60504 | $3,181 |
| 60505 | $3,384 |
| 60506 | $3,238 |
The Best Cheap Car Insurance Companies in Aurora, IL
Take a look at a side-by-side comparison of the top car insurance companies in Aurora, IL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,140 |
| American Family | $3,642 |
| Farmers | $4,767 |
| Geico | $2,997 |
| Liberty Mutual | $2,340 |
| Nationwide | $2,642 |
| Progressive | $3,728 |
| State Farm | $2,630 |
| Travelers | $2,535 |
| USAA | $2,483 |
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Category Winners: Cheapest Car Insurance in Aurora, Illinois
Find the cheapest car insurance companies in Aurora, IL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Liberty Mutual |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
Cheapest Aurora, IL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Aurora car insurance rates. Find the cheapest Aurora, IL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,978 | $5,135 | $5,307 |
| American Family | $3,484 | $3,776 | $3,665 |
| Farmers | $4,513 | $4,643 | $5,146 |
| Geico | $2,702 | $2,991 | $3,299 |
| Liberty Mutual | $2,203 | $2,335 | $2,481 |
| Nationwide | $2,603 | $2,669 | $2,654 |
| Progressive | $3,384 | $3,711 | $4,088 |
| State Farm | $2,467 | $2,636 | $2,788 |
| Travelers | $2,371 | $2,531 | $2,702 |
| USAA | $2,304 | $2,481 | $2,664 |
What affects car insurance rates in Aurora, Illinois?
What factors can have an impact on Aurora, IL car insurance? There are several reasons why Aurora car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Aurora, Illinois.
Commute Time in Aurora
The more time you spend in your car the higher the risk of an accident. The average commute length in Aurora, IL is 30.5 minutes according to City-Data.
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Compare Car Insurance Quotes in Aurora, IL
Ready to find affordable Aurora, Illinois car insurance today? Enter your ZIP code for fast, free Aurora, IL car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Aurora, IL?
Comparing car insurance rates in Aurora, IL can be done by following these steps:
- Gather necessary information: Have your personal details, vehicle information, and driving history ready.
- Research insurance companies: Look for reputable insurance companies that offer coverage in Aurora, IL.
- Request quotes: Contact insurance providers or use online comparison tools to request quotes based on your information.
- Compare coverage options: Review the coverage types, limits, and deductibles offered by each insurer.
- Consider additional factors: Take into account factors like customer reviews, claims process, and discounts available.
- Make an informed decision: Choose the car insurance policy that best suits your needs and budget.
What factors can affect car insurance rates in Aurora, IL?
Several factors can influence car insurance rates in Aurora, IL. Some of the main factors include:
- Driving record: A history of accidents, violations, or DUI convictions can increase rates.
- Age and gender: Younger drivers, especially males, often face higher premiums due to higher risk levels.
- Vehicle make and model: Expensive or high-performance cars may have higher insurance costs.
- Location: Areas with higher crime rates or accident frequency may have higher rates.
- Coverage and deductibles: Higher coverage limits and lower deductibles typically result in higher premiums.
- Credit history: Insurers may consider credit-based insurance scores when determining rates.
- Annual mileage: Drivers with longer commutes or higher mileage may face higher premiums.
Are there any specific insurance requirements in Aurora, IL?
Yes, in Aurora, IL, drivers must meet the minimum liability insurance requirements set by the state. As of my knowledge cutoff in September 2021, the minimum liability limits in Illinois were $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident. However, these requirements may have changed, so it’s essential to verify the current regulations with the Illinois Department of Insurance or consult with an insurance professional.
Can I get discounts on my car insurance in Aurora, IL?
Yes, insurance providers in Aurora, IL often offer various discounts that can help reduce your car insurance premiums. Some common discounts include:
- Safe driver discount: Offered to drivers with a clean driving record and no recent accidents or violations.
- Multi-policy discount: You may qualify for a discount if you have multiple insurance policies with the same provider, such as bundling car and home insurance.
- Good student discount: Students with excellent grades may be eligible for discounts.
- Anti-theft device discount: Installing anti-theft devices or car alarm systems can lead to lower premiums.
- Defensive driving course discount: Completing an approved defensive driving course may make you eligible for a discount.
- Low mileage discount: If you drive fewer miles annually, you may qualify for this discount.
- Affinity group discounts: Some insurers offer discounts to members of certain organizations or professions.
Are there any local resources in Aurora, IL that can help with car insurance information?
Yes, there are resources in Aurora, IL that can provide car insurance information and assistance. Consider reaching out to:
- Local insurance agents or brokers who can offer personalized advice and guidance tailored to your needs.
- The Illinois Department of Insurance: They can provide information on state insurance requirements, consumer protection, and help with insurance-related complaints.
- Online resources and forums dedicated to car insurance in Illinois or Aurora, where you can find information and insights from other residents and experts.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.