Cheapest Auto Insurance in Aurora, Illinois (2025)

Progressive offers the cheapest car insurance in Aurora, with minimum-coverage policies as low as $47 per month.

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Cheapest recent rates near Aurora, Illinois

Recent Aurora, Illinois car insurance prices for KIA, Nissan, Honda , and more.

*Quotes generated for Insurify users in and around Aurora, Illinois within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Aurora, Illinois within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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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 $115 per month, which is nearly the same as the state average cost of $123, but much lower than Chicago’s monthly overall average of $156.

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.

Quick Facts
  • Aurora is the second-largest city in Illinois, with a population of more than 175,000.

  • Progressive, Auto-Owners, and State Farm are the cheapest insurers in Aurora.

  • Liability-only insurance in Aurora costs an average of $80 per month, and full coverage costs $150 per month.

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.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Auto-Owners8.2$70$48Liability-only coverage
Erie8.4$116$80Commuters
GEICO9.2$114$83Drivers with a DUI
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for liability-only coverage: Auto-Owners

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$67/mo
3.9
A solid optionBased on 208 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (122)
Timothy
Verified Review
Good Insurance Company
Reviewed in Georgia on July 2025
Check around every year for different rates.
Shontia
Verified Review
Okay Service
Reviewed in North Carolina on July 2025
The service was good until the rate increased without notification.
Thomas
Verified Review
Fair Insurance, One Bad Agent
Reviewed in Michigan on July 2025
I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Auto-Owners stands out as the cheapest option for liability-only coverage in Aurora. Low monthly premiums offer an affordable policy that meets the state’s minimum insurance requirements.

But you don’t have to skimp on quality — Auto-Owners has a good Insurify Quality Score. You’ll also find a lot of coverage options and discounts to customize your policy so you don’t pay for more than you need.

Pros
  • Many coverage options to personalize your policy

  • Generous discounts available to keep rates low

  • Only one complaint with the National Association of Insurance Commissioners (NAIC)

Cons
  • Only one Auto-Owners agent in Aurora

  • Must go through an agent to get a quote

  • Scored just below average in the North Central region by J.D. Power

Best insurer for commuters: Erie

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$78/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$111/mo
4.0
Best choiceBased on 358 verified guest reviews and ratings
How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (189)
Dudley
Verified Review
My rate goes up every year
Reviewed in Pennsylvania on July 2025
My rate goes up every year, even though there have been no claims in the past 3 years. Also, my wife and I are over 70.
John
Verified Review
Erie Insurance is Amazing
Reviewed in Tennessee on July 2025
Erie Insurance and Summit Agency are wonderful companies. Ask them for the best rates.
Lori
Verified Review
Erie
Reviewed in Maryland on July 2025
My car insurance rates have gone up again. I also have my homeowners insurance with them, and that is poor, especially with the handling of claims.
See all Erie Insurance reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Erie offers customizable coverage and competitive prices. But you might not know it has generous benefits for commuters. Roadside assistance coverage is just $5 per month when you add it to a comprehensive or collision policy. The additional service can be a lifesaver if you get locked out, have a flat tire or dead battery, or run out of gas.

You can also go for the Roadside and Rentals Bundle to get back on the road quickly if your car needs repairs after an accident.

Pros
  • Highest-ranking auto insurer in the North Central region by J.D. Power

  • Commuters have many perks and coverage options

  • Avoid unexpected premium changes with Rate Lock feature

Cons
  • Only one Erie agency in Aurora

  • Must have collision or comprehensive to add roadside coverage

  • Roadside coverage is limited to cars listed on your policy

Best insurer for drivers with a DUI: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$79/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$108/mo
4.0
Best choiceBased on 12,054 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,448)
Helaine
Verified Review
Pros and Cons of GEICO
Reviewed in New Jersey on July 2025
Great customer service. Very helpful if you’ve had an accident. The policy is too expensive, although the cost is less than other insurers.
Talitha
Verified Review
Save 15%? Nope, they charge 50% more!
Reviewed in Arizona on July 2025
Great, until you actually have to file a claim, then your premiums are increased regularly. I have been with Geico for 10 years, and after replacing my windshield once, followed by an accident that wasn't my fault, my insurance rate effectively doubled. What started out at $84/month for full coverage has become $167+. Ridiculous, especially since I have an excellent driving record. Then their partner, Travelers, dropped my renter's policy, despite me having a storage unit that needed coverage, after I became homeless due to not being able to find affordable and safe housing (I have MCS). I'm changing providers, effective tomorrow, and have saved $489+ on a 6-month policy. So much for saving 15% or more with Geico... they actually charge more than 50% more than my new provider with the exact same coverage.
Arlene
Verified Review
The Gecko Rules
Reviewed in California on July 2025
They are a 5-star company all the way around and have the lowest rates out of the six I have looked at.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you have a DUI, GEICO can offer specialized coverage to meet the state’s SR-22 requirements. You might need an SR-22 certificate, also known as proof of financial responsibility insurance, as part of court supervision for a mandatory-insurance offense. GEICO offers SR-22 coverage to new and existing customers. The company files the certificate for you so you don’t have to worry about it.

Pros
  • Many coverage options to personalize your policy

  • GEICO files the SR-22 certificate for you

  • Discount of up to 5% for taking a defensive driving course

Cons
  • Filing fee applies for every SR-22 sent to the state

  • Doesn’t offer gap insurance

  • Defensive driver discount not available to drivers younger than 50

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: Progressive

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 $80 per month, on average.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$47
Auto-Owners$47
State Farm$51
Mercury$67
Direct Auto$69
COUNTRY Financial$72
Erie$78
GEICO$79
USAA$83
The General$85
Safeco$89
GAINSCO$90
Bristol West$90
National General$90
American Family$90
Dairyland$93
Elephant$96
Root$102
Nationwide$106
Travelers$114
Foremost$120
Farmers$122
Allstate$127
Liberty Mutual$156
State Auto$159
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $150 per month for full-coverage insurance.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$67
State Farm$73
COUNTRY Financial$102
GEICO$108
Erie$111
Progressive$116
USAA$118
Mercury$121
American Family$127
Direct Auto$140
Safeco$142
Nationwide$150
Elephant$161
Travelers$162
Farmers$173
National General$176
Allstate$181
The General$182
Bristol West$222
Root$225
State Auto$227
Dairyland$250
GAINSCO$254
Liberty Mutual$255
Foremost$343
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Aurora, Illinois

Recent Aurora, Illinois car insurance prices for Dodge, Toyota, Saturn , and more.

*Quotes generated for Insurify users in and around Aurora, Illinois within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Aurora, Illinois within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

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]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person
$50,000 per accident
Property damage liability$20,000 per accident
Uninsured motorist coverage$25,000 per person
$50,000 per accident
Underinsured motorist coverageRequired only if you buy higher limits of UM coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Physical damage

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

  • illustration card https://a.storyblok.com/f/162273/100x100/b7c4ec9291/respect.svg

    Accidental death benefit

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

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Custom equipment

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

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing

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

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

Find Car Insurance in Aurora, Illinois

Monthly rates start at $55 for drivers with an incident

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ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Progressive

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 $179 per month for full coverage and $95 for liability only.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
Progressive$47$56
Auto-Owners$47$57
State Farm$51$61
Mercury$67$88
Direct Auto$69$84
COUNTRY Financial$72$87
Erie$78$97
GEICO$79$98
USAA$83$100
The General$85$108
Safeco$89$110
GAINSCO$90$104
Bristol West$90$110
National General$90$108
American Family$90$109
Dairyland$93$112
Elephant$96$112
Root$102$129
Nationwide$106$128
Travelers$114$139
Foremost$120$147
Farmers$122$147
Allstate$127$152
Liberty Mutual$156$191
State Auto$159$194
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $195 per month for full coverage and $104 for liability only.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
Progressive$47$61
Auto-Owners$47$60
State Farm$51$65
Mercury$67$95
Direct Auto$69$91
COUNTRY Financial$72$93
Erie$78$97
GEICO$79$95
USAA$83$106
The General$85$114
Safeco$89$120
GAINSCO$90$113
Bristol West$90$116
National General$90$115
American Family$90$116
Dairyland$93$120
Elephant$96$123
Root$102$129
Nationwide$106$136
Travelers$114$147
Foremost$120$156
Farmers$122$157
Allstate$127$162
Liberty Mutual$156$203
State Auto$159$205
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $242 per month for full coverage and $129 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.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
Progressive$47$76
Auto-Owners$47$74
State Farm$51$80
Mercury$67$105
Direct Auto$69$108
COUNTRY Financial$72$113
Erie$78$122
GEICO$79$124
USAA$83$130
The General$85$133
Safeco$89$142
GAINSCO$90$141
Bristol West$90$141
National General$90$141
American Family$90$141
Dairyland$93$146
Elephant$96$150
Root$102$160
Nationwide$106$166
Travelers$114$179
Foremost$120$188
Farmers$122$191
Allstate$127$199
Liberty Mutual$156$244
State Auto$159$249
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $125 per month for full coverage and $67 for liability only.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
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Liability Only
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Full Coverage
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Auto-Owners$28$40
State Farm$29$41
Progressive$33$80
Direct Auto$42$85
Erie$44$62
COUNTRY Financial$45$64
Mercury$46$83
GEICO$46$63
USAA$53$75
National General$53$103
American Family$53$74
The General$55$117
Nationwide$58$82
Bristol West$59$145
Dairyland$61$164
GAINSCO$64$182
Elephant$65$109
Safeco$65$104
Travelers$69$98
Root$69$152
Farmers$71$101
Allstate$80$113
Foremost$85$242
State Auto$94$135
Liberty Mutual$103$169
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $317 per month for full coverage and $169 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.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Auto-Owners$93$132
Progressive$99$245
State Farm$103$148
COUNTRY Financial$121$171
Mercury$134$243
Direct Auto$145$293
GEICO$152$208
The General$157$337
Erie$157$224
USAA$163$232
Dairyland$167$450
Bristol West$173$427
Elephant$179$299
American Family$179$253
GAINSCO$180$508
Root$192$424
Safeco$194$310
National General$194$380
Nationwide$219$310
Travelers$241$343
Foremost$244$699
Farmers$248$352
Allstate$266$379
Liberty Mutual$303$495
State Auto$404$576
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Aurora?

On average, car insurance in Aurora, IL, costs around $115 per month. Residents of Aurora pay less than the national overall average cost of $149 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.

City
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Liability Only
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Full Coverage
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Berwyn$90$183
Chicago$102$210
Decatur$73$131
Joliet$83$161
Naperville$78$151
Peoria$81$146
Rockford$78$146
Springfield$83$161
Waukegan$81$149
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Aurora car insurance FAQs

If you’re shopping for cheap car insurance in Aurora, Illinois, this additional information can help as you research your options. You can also check out Insurify’s guide on how to lower your car insurance premiums.

  • How much is car insurance in Aurora, Illinois?

    Car insurance in Aurora, Illinois, costs $150 per month for full coverage and $80 per month for liability-only coverage, on average. You’ll pay more or less for car insurance based on your driving profile.

  • Which companies have the cheapest car insurance in Aurora?

    Progressive has the cheapest car insurance in Wichita, with a monthly liability-only rate of $47. Other affordable insurers include Auto-Owners and State Farm, with liability rates of $47 and $51 per month, respectively. Remember that the cheapest car insurance company for you will depend on many factors, including your ZIP code, age, gender, credit history, driving record, and vehicle.

  • What are the best car insurance companies in Aurora?

    One of the best car insurance companies in Aurora is GEICO. The company scored above average in the Central region in the 2022 J.D. Power U.S. Auto Insurance Study.[8] It also has affordable rates, a high Insurify Quality (IQ) score of 9.2, and an A++ (Superior) financial strength rating from AM Best. Other top insurers in Aurora include State Farm and Erie Insurance.

  • What are the minimum car insurance requirements in Illinois?

    Drivers in Illinois are required to carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $20,000 per accident in property damage liability, and $25,000 per person and $50,000 per accident in uninsured motorist coverage.

  • Is Illinois a no-fault state?

    No. Illinois is an at-fault, or tort, state. This means that drivers are responsible for covering any damages or injuries they cause in a car accident.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Illinois Department of Transportation. "City Summary Crash Report (Aurora)."
  2. Illinois Department of Transportation. "City Summary Crash Report (Chicago)."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Illinois Department of Insurance. "Auto Insurance Shopping Guide."
  5. Insurance Institute for Highway Safety. "Older drivers."
  6. National Highway Traffic Safety Administration. "Teen Driving."
  7. National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
  8. J.D. Power. "2022 U.S. Auto Insurance Study."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Amy has been a contributor at Insurify since September 2023.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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