Cheapest Auto Insurance in Aurora, Illinois (2024)

Located 41 miles west of Chicago and situated along the Fox River, Aurora has many affordable options for car insurance coverage. The city’s overall average car insurance cost is $128 per month, which is nearly the same as the state average cost of $131, but much lower than Chicago’s monthly overall average of $155.

This lower average cost may partially be due to the lower proportion of crashes in the city. In 2022, Aurora had 3,900 crashes, whereas Chicago had over 97,000, according to the Illinois Department of Transportation.^{[1] [2]} Whether you commute to work, have a DUI on your record, or want liability-only coverage, here’s how to compare quotes and find the most affordable policy for your needs in the City of Lights.

3 of the cheapest car insurance companies in Aurora

Auto-Owners, State Farm, Mile Auto, Erie, and GEICO are some of the cheapest insurers to consider in Aurora. But the best option for you will depend on your situation and coverage needs.

Best insurer for liability-only coverage: Auto-Owners

Best insurer for commuters: Erie

Best insurer for drivers with a DUI: GEICO

How to get the cheapest car insurance in Aurora

Insurers consider age, coverage limits, driving record, location, type of vehicle, and other factors to determine your car insurance quote.^[3] Here are some effective strategies for getting the cheapest car insurance in Aurora:

• Practice safe driving. Lower rates are easier to get when you maintain a clean driving record.

• Raise your deductible. If you can afford to pay more when filing a claim, consider raising your deductible to qualify for lower premiums.

• Bundle your policies. You can save serious cash when you bundle car insurance and home or renters insurance from the same insurer.

• Look for discounts. Ask about available discounts to reduce your costs significantly.

• Compare quotes regularly. Shop around for quotes from three or more different insurance companies at least once per year to find the most affordable option.

Cheapest liability-only car insurance in Aurora: Auto-Owners

Liability-only car insurance is a type of coverage that fulfills the minimum insurance requirements set by Illinois state law. It doesn’t include any frills — just the basics. It won’t cover any damages or injuries to you or your vehicle if you’re in an accident; it only covers damage and injuries that you cause to other drivers and their passengers. Liability-only policies in Aurora cost $77 per month, on average.

Cheapest full-coverage car insurance in Aurora: Auto-Owners

If you have liability insurance, it covers the damages and injuries of others in an accident. Full coverage takes insurance to the next level. It includes liability, but you also get collision and comprehensive coverages to protect your car in an accident and against non-accident incidents like theft, vandalism, and natural disasters.

Full coverage is usually a good choice if you have a newer or more valuable vehicle. State law doesn’t require it, but your lender might require you to have it if you lease or finance your car. Drivers in Aurora pay an average of $178 per month for full-coverage insurance.

Car insurance requirements in Illinois

Car insurance coverage is mandatory for Illinois drivers. It’s also “at-fault” coverage, meaning the person who caused the accident is responsible for any injuries, property damage, or other losses. These are the minimum requirements you must have by law in Illinois:^[4]

For more protection, the Illinois Department of Insurance (IDOI) suggests additional optional coverages:

• 

  Physical damage

  This includes collision coverage and comprehensive coverage to pay for repairs or replacement if your car has damage after an accident.

• 

  Accidental death benefit

  This offers financial support to your loved ones if you die due to a car accident.

• 

  Custom equipment

  This covers modifications and accessories your car might have, such as an upgraded stereo system or custom rims.

• 

  Gap coverage

  Gap insurance pays the difference between your car’s actual cash value and the amount you owe on your loan (or lease) if your car is a total loss.

• 

  Medical payments

  Also called MedPay, medical payments insurance covers medical and funeral costs for you and your passengers, regardless of who’s at fault for the accident.

• 

  Rental reimbursement

  This coverage pays back your rental car costs if you need to rent a car while yours is being repaired after a covered accident.

• 

  Towing

  This is often part of a roadside assistance package that covers towing expenses if you break down or are in an accident.

• 

  Uninsured motorist property damage (UMPD)

  This protects you if your vehicle is damaged in an accident caused by an uninsured driver.

Cheapest car insurance for drivers with an incident

Incidents refer to at-fault accidents, speeding tickets, DUIs, and other moving violations. Insurance companies view drivers with incidents as higher-risk, which leads to higher premiums. But finding affordable car insurance is possible, even if your driving history is spotty.

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

A speeding ticket usually results in higher insurance premiums. Insurance companies view speeding tickets as an indication of risky driving behavior, which increases the likelihood of accidents. But not all insurance companies treat speeding tickets the same way. Some may offer more affordable rates than others.

The average cost of car insurance for drivers with a speeding ticket in Aurora is $261 per month for full coverage and $113 for liability only.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

After an at-fault accident, insurance companies may charge you higher premiums. The circumstances and severity of the accident can determine if insurers label you as a high-risk driver. Despite this setback, you still have options to find affordable car insurance.

In Aurora, the average cost of car insurance for drivers with an accident is $272 per month for full coverage and $118 for liability only.

Cheapest car insurance for drivers with a DUI: Auto-Owners

If you get a DUI, there’s no question — insurers will consider you a high-risk driver. Driving under the influence can lead to more accidents and the potential for repeat offenses, so expect a bigger car insurance bill when it comes time to renew. Aurora drivers pay an average of $308 per month for full coverage and $133 for liability only after a DUI conviction.

But you’re not doomed to high rates forever. Some companies specialize in coverage for high-risk drivers. Shopping around to compare quotes from different insurers can open the door to more competitive rates.

Cheapest car insurance for seniors: Auto-Owners

On average, car insurance rates tend to decrease around age 35 due to more driving experience and a generally lower-risk profile. However, insurance rates may increase again around age 70, according to the Insurance Institute for Highway Safety (IIHS).^[5]

Seniors may want to consider a pay-per-mile policy. People older than 70 drive 43% less than drivers in their 30s, 40s, and 50s, according to the IIHS. Buying usage-based coverage can qualify you for some of the lowest rates as a senior driver in Aurora, Illinois.

The average cost of car insurance for senior drivers in Aurora is $123 per month for full coverage and $53 for liability only.

Cheapest car insurance for teens: Auto-Owners

If you have a teenage driver, you know they’re the most expensive age group to insure. Young drivers are more likely to make risky driving decisions, especially when one or more friends are in the car, according to the National Highway Traffic Safety Administration (NHTSA).^[6]

Teen drivers in Aurora pay an average of $311 per month for full coverage and $135 for liability only.

One option to keep rates low is for teens to stay on their parents’ insurance policy. Choosing a car with good safety ratings and maintaining good grades to qualify for good student discounts can lower premiums even more.

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Aurora car insurance quotes by credit tier

Aurora car insurance companies can use your credit history to set your premiums.^[7] Your credit-based insurance score isn’t the same as your regular credit score, but it can still influence your costs because it indicates how likely you are to file an insurance claim.

Generally, if you have excellent or good credit, you’ll qualify for better premiums than a driver with poor credit.

Is car insurance more expensive in Aurora?

On average, car insurance in Aurora, IL, costs around $128 per month. Residents of Aurora pay less than the national overall average cost of $158 per month. It’s important to note that insurance rates can fluctuate between cities and ZIP codes.

Some cities may have higher rates due to their population density, crime rates, and accident statistics. Chicago drivers, for instance, pay around 20% more for auto insurance than Aurora drivers do.

More cities in Illinois

Aurora’s rates are slightly lower than those of other cities in the Prairie State. On average, drivers in Peoria, Joliet, and Springfield pay rates that are close to Aurora’s. Here are more cities in Illinois where you can compare car insurance quotes to the average costs in Aurora.

Aurora car insurance FAQs