Cheapest Auto Insurance in Aurora, Illinois (2024)

Auto-Owners offers the cheapest car insurance in Aurora, with minimum-coverage policies as low as $29 per month.

Amy Beardsley
Written byAmy Beardsley
Photo of an Insurify author
Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Featured in

media logomedia logo
Ashley Cox
Edited byAshley Cox
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.

Featured in

media logomedia logomedia logomedia logo

Updated April 18, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Aurora, Illinois

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $65/mo for full coverage in Aurora and other Illinois cities.

*Quotes generated for Insurify users in and around Aurora, Illinois within the last 10 days. Last updated on April 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 April 18, 2024. 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 April 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 April 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.

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

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

  • Liability-only insurance in Aurora costs an average of $77 per month, and full coverage costs $178 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.0$46$28Liability-only coverage
Erie4.4$77$45Commuters
GEICO4.2$67$40Drivers with a DUI
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.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for liability-only coverage: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$29/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.
$48/mo

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

Read our Auto-Owners review
Jack - April 9, 2024
Verified

Poor Handling but Partial Payment Made

I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.

Erin - April 7, 2024
Verified

Unhappy with Renewal Costs

The premium is ridiculously expensive for the few miles I drive.

Brandy - April 6, 2024
Verified

Fair Prices from a Trustworthy Company

I've had zero issues!

Best insurer for commuters: Erie

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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.
$78/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$41/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.
$68/mo

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

Read our GEICO review
Arturo - April 17, 2024
Verified

Average

I need cheaper coverage. It's too much for two cars.

Eminny - April 17, 2024
Verified

Inconsistent Communication and Service

This is my second time with GEICO. The first time was fine, but this time around, they set my policy to be cancelled on a Monday. They claimed to have sent me a letter the previous Friday requesting documents that I never received. I called them multiple times about it, and each time I received a different reason and excuse. Despite sending them everything they needed, my policy remains cancelled. Without insurance, my car just sits there, and since it's financed, I might even end up losing it. I'm just waiting for them to review my documents and reactivate my policy. They said they would reach out to me if they needed anything else or to at least let me know the verdict, which they never did. I have to keep calling them myself, only to receive different excuses each time and no policy reactivation. They never reach out when they say they will, and other insurance options are very expensive for me as a fairly new driver.

Andy - April 15, 2024
Verified

Unexpected Rate Increase

I had an accident and they raised my rates to over $8,000 a year. I initially thought I was making normal upfront payments, but it turned out to be monthly payments.

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.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners29
State Farm31
GEICO41
Hugo41
COUNTRY Financial43
Erie47
Mile Auto48
USAA51
American Family55
Safeco58
Mercury60
Clearcover64
Nationwide64
Travelers68
Farmers73
Direct Auto74
Allstate76
Midvale Home & Auto82
State Auto82
GAINSCO86
Elephant89
Dairyland91
The General94
Liberty Mutual96
Bristol West105
Foremost136
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $178 per month for full-coverage insurance.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners48
State Farm51
Mile Auto67
GEICO68
COUNTRY Financial71
Erie78
Hugo80
USAA83
American Family89
Mercury98
Clearcover103
Safeco107
Travelers107
Nationwide110
Farmers121
Allstate127
Midvale Home & Auto134
Direct Auto146
Liberty Mutual154
State Auto160
Elephant161
GAINSCO190
Dairyland242
The General248
Bristol West254
Foremost310
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Estimate your Aurora car insurance costs

Select discounts that apply to you
Save 25%
Save 4%
Save 20%
Save 37%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

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]

CoverageMinimum Requirements
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 $37 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2939
State Farm3140
GEICO4153
Hugo4159
COUNTRY Financial4357
Erie4767
Mile Auto4869
USAA5166
American Family5573
Safeco5882
Mercury6090
Clearcover6490
Nationwide6484
Travelers6890
Farmers7395
Direct Auto74100
Allstate7699
GAINSCO86110
Elephant89117
Dairyland91123
The General94127
Liberty Mutual96135
Bristol West105140
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $272 per month for full coverage and $118 for liability only.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2941
State Farm3142
GEICO4157
Hugo4157
COUNTRY Financial4362
Erie4769
Mile Auto4874
USAA5170
American Family5576
Safeco5887
Mercury6094
Clearcover64104
Nationwide6489
Travelers6895
Farmers73101
Direct Auto74105
Allstate76105
GAINSCO86117
Elephant89124
Dairyland91128
The General94134
Liberty Mutual96142
Bristol West105145
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $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.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2948
State Farm3151
GEICO4167
Hugo4162
COUNTRY Financial4370
Erie4771
Mile Auto4882
USAA5184
American Family5590
Safeco5895
Mercury60101
Clearcover64105
Nationwide64105
Travelers68111
Farmers73120
Direct Auto74121
Allstate76125
GAINSCO86141
Elephant89146
Dairyland91149
The General94154
Liberty Mutual96157
Bristol West105172
Foremost136223
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $123 per month for full coverage and $53 for liability only.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1525
State Farm1525
GEICO2237
COUNTRY Financial2337
Erie2338
Mile Auto2637
American Family2845
USAA2946
Nationwide3052
Mercury3760
Travelers3758
Farmers3863
Safeco3870
Direct Auto4079
Allstate4270
Elephant5090
Clearcover5181
Dairyland54143
Liberty Mutual5588
GAINSCO56124
The General58153
Bristol West60145
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $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.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners4879
State Farm5387
COUNTRY Financial60100
GEICO64106
Hugo73143
USAA84136
Erie85141
Mile Auto92128
American Family93150
Safeco103190
Mercury109179
Nationwide109187
Clearcover114183
Travelers122192
Farmers126209
Allstate133222
Direct Auto134265
Elephant146264
Dairyland147390
The General149394
GAINSCO153338
Liberty Mutual161258
Bristol West173419
Foremost241550
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Aurora, Illinois

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $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.

CityLiability OnlyFull Coverage
Berwyn$78$180
Chicago$92$219
Decatur$71$146
Joliet$76$165
Naperville$73$163
Peoria$77$176
Rockford$72$153
Springfield$78$173
Waukegan$74$151
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.

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 $178 per month for full coverage and $77 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?

    Auto-Owners has the cheapest car insurance in Wichita, with a monthly liability-only rate of $29. Other affordable insurers include State Farm and GEICO, with liability rates of $31 and $41 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 4.2, 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 50+ 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.

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.

Featured in

media logomedia logomedia logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all