Best Cheap 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
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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.

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Ashley Cox
Edited byAshley Cox
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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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Updated March 26, 2024

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Cheapest recent rates in Illinois

Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $92/mo for full coverage in Illinois.

*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on March 25, 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 March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on March 25, 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 March 25, 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, Illinois, has many affordable options for car insurance coverage. Auto-Owners, State Farm, and Mile Auto each offer rates at least 52% lower than the state average policy cost of $161 per month.

Whether you commute to work, have a DUI on your record, or want liability-only coverage, here’s how to 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 177, 866.

  • Car insurance in Aurora is about 5% cheaper than in neighboring cities, such as Peoria and Rockford.

  • Insurers in Illinois can consider a driver’s credit score when setting car insurance premiums.

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Best 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

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 4.0 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

Don - March 23, 2024
Verified

Excellent

Friendly and offers some money-saving options.
Read our Auto-Owners review

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

Radera - March 26, 2024
Verified

Don't Recommend

I wouldn't recommend them. They seem to look for any reason to cancel your policy.

Jan - March 25, 2024
Verified

Average

Rigid on pricing.

Linda - March 23, 2024
Verified

Best for the Money

They were helpful in trying to lower my bill.
Read our GEICO review

Cheapest liability-only car insurance in Aurora

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.

The below rates are estimated rates current as of: Tuesday, March 26 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

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.

The below rates are estimated rates current as of: Tuesday, March 26 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.

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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:[1]

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 coverage
  • Required 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.

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Cheapest car insurance for drivers with a speeding ticket

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 below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners6539
State Farm6640
GEICO8954
COUNTRY Financial9557
Mile Auto9971
USAA10867
Erie11167
Hugo11459
American Family11873
Travelers14290
Clearcover14590
Nationwide14584
Mercury14790
Safeco15383
Farmers15896
Allstate16699
Direct Auto197100
Elephant212117
Liberty Mutual216135
GAINSCO242110
Dairyland327123
The General335127
Bristol West338140
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

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.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners6740
State Farm6942
GEICO9456
COUNTRY Financial10161
Mile Auto10575
Hugo11056
USAA11470
Erie11569
American Family12376
Travelers14995
Nationwide15289
Mercury15494
Safeco16187
Farmers166100
Clearcover167104
Allstate174104
Direct Auto208105
Elephant223124
Liberty Mutual227142
State Auto241123
GAINSCO257116
Dairyland339128
Bristol West348144
The General352133
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

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.

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: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners7847
State Farm8351
Mile Auto10978
GEICO11167
COUNTRY Financial11670
Erie11670
Hugo12363
USAA13683
American Family14590
Mercury164100
Clearcover168105
Safeco17595
Travelers175111
Nationwide180105
Farmers198119
Allstate208124
Direct Auto239121
Liberty Mutual252157
State Auto261134
Elephant263145
GAINSCO311141
Dairyland395149
The General405154
Bristol West415172
Foremost507222
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

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 75, according to the Insurance Institute for Highway Safety (IIHS).[2]

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 below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners2515
State Farm2515
GEICO3622
COUNTRY Financial3723
Mile Auto3727
Erie3823
American Family4528
USAA4628
Nationwide5230
Travelers5837
Mercury6037
Farmers6338
Allstate7042
Safeco7038
Direct Auto7840
Clearcover8351
Liberty Mutual8654
Elephant8949
GAINSCO12155
Dairyland14354
Bristol West14560
The General15659
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

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).[3]

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: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners7948
State Farm8652
COUNTRY Financial10060
GEICO10664
Mile Auto12791
USAA13683
Erie14185
Hugo14273
American Family15093
Mercury179110
Clearcover183114
Nationwide186108
Safeco190103
Travelers191121
Farmers209126
Allstate221132
Liberty Mutual258161
Direct Auto264134
Elephant264146
State Auto284145
GAINSCO339153
Dairyland389146
The General392149
Bristol West418173
Foremost550241
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.

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.[4] 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.

Find Car Insurance in Aurora, Illinois

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Aurora car insurance quotes by credit tier

Aurora car insurance companies can use credit scores to set your premiums.[5] 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 a poor credit score.

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 $161 per month. Residents of Aurora pay about 5% less than the national average cost of $170 for liability-only coverage. It’s important to note that insurance rates can fluctuate between cities and ZIP codes.

Some cities may have higher rates due to factors such as population density, crime rates, and accident statistics. Chicago drivers, for instance, pay nearly 27% more for auto insurance than Aurora drivers do.

More cities in Illinois

Aurora’s rates are slightly lower than other cities in the Prairie State. Just across Route 59, Naperville has the closest average rates, but drivers there still pay 14% more. Here are some more cities in Illinois where you can compare full-coverage car insurance quotes to the average full-coverage costs in Aurora.

CityAverage Monthly QuoteCompared to Aurora
Belleville$22419%
Chicago$23927%
Naperville$183-3%
Peoria$1954%
Rockford$1954%
Springfield$20710%
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 $186 per month for full coverage and $136 per month for liability-only coverage. You may pay more or less for car insurance depending on your individual driving profile.

  • 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.[6] It also has affordable rates, a high Insurify Quality (IQ) score, and an A++ (Superior) financial strength rating from A.M. 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 Insurance. "Auto Insurance Shopping Guide." Accessed July 17, 2023
  2. Insurance Institute for Highway Safety. "Older drivers." Accessed July 17, 2023
  3. National Highway Traffic Safety Administration. "Teen Driving." Accessed July 17, 2023
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 17, 2023
  5. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed July 17, 2023
  6. J.D. Power. "2022 U.S. Auto Insurance Study." Accessed July 17, 2023
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.

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