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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
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
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
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.
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 Company
Average Monthly Quote
Auto-Owners
29
State Farm
31
GEICO
41
Hugo
41
COUNTRY Financial
43
Erie
47
Mile Auto
48
USAA
51
American Family
55
Safeco
58
Mercury
60
Clearcover
64
Nationwide
64
Travelers
68
Farmers
73
Direct Auto
74
Allstate
76
Midvale Home & Auto
82
State Auto
82
GAINSCO
86
Elephant
89
Dairyland
91
The General
94
Liberty Mutual
96
Bristol West
105
Foremost
136
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 Company
Average Monthly Quote
Auto-Owners
48
State Farm
51
Mile Auto
67
GEICO
68
COUNTRY Financial
71
Erie
78
Hugo
80
USAA
83
American Family
89
Mercury
98
Clearcover
103
Safeco
107
Travelers
107
Nationwide
110
Farmers
121
Allstate
127
Midvale Home & Auto
134
Direct Auto
146
Liberty Mutual
154
State Auto
160
Elephant
161
GAINSCO
190
Dairyland
242
The General
248
Bristol West
254
Foremost
310
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.
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]
Coverage
Minimum 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:
Physical damage
This includes collision coverage and comprehensive coverage to pay for repairs or replacement if your car has damage after an accident.
Accidental death benefit
This offers financial support to your loved ones if you die due to a car accident.
Custom equipment
This covers modifications and accessories your car might have, such as an upgraded stereo system or custom rims.
Gap coverage
Gap insurance pays the difference between your car’s actual cash value and the amount you owe on your loan (or lease) if your car is a total loss.
Medical payments
Also called MedPay, medical payments insurance covers medical and funeral costs for you and your passengers, regardless of who’s at fault for the accident.
Rental reimbursement
This coverage pays back your rental car costs if you need to rent a car while yours is being repaired after a covered accident.
Towing
This is often part of a roadside assistance package that covers towing expenses if you break down or are in an accident.
Uninsured motorist property damage (UMPD)
This protects you if your vehicle is damaged in an accident caused by an uninsured driver.
Cheapest car insurance for drivers with an incident
Incidents refer to at-fault accidents, speeding tickets, DUIs, and other moving violations. Insurance companies view drivers with incidents as higher-risk, which leads to higher premiums. But finding affordable car insurance is possible, even if your driving history is spotty.
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Cheapest car insurance for drivers with a speeding ticket
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 Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
65
39
State Farm
66
40
GEICO
89
54
COUNTRY Financial
95
57
Mile Auto
99
71
USAA
108
67
Erie
111
67
Hugo
114
59
American Family
118
73
Travelers
142
90
Clearcover
145
90
Nationwide
145
84
Mercury
147
90
Safeco
153
83
Farmers
158
96
Allstate
166
99
Direct Auto
197
100
Elephant
212
117
Liberty Mutual
216
135
GAINSCO
242
110
Dairyland
327
123
The General
335
127
Bristol West
338
140
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 Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
67
40
State Farm
69
42
GEICO
94
56
COUNTRY Financial
101
61
Mile Auto
105
75
Hugo
110
56
USAA
114
70
Erie
115
69
American Family
123
76
Travelers
149
95
Nationwide
152
89
Mercury
154
94
Safeco
161
87
Farmers
166
100
Clearcover
167
104
Allstate
174
104
Direct Auto
208
105
Elephant
223
124
Liberty Mutual
227
142
State Auto
241
123
GAINSCO
257
116
Dairyland
339
128
Bristol West
348
144
The General
352
133
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 Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
78
47
State Farm
83
51
Mile Auto
109
78
GEICO
111
67
COUNTRY Financial
116
70
Erie
116
70
Hugo
123
63
USAA
136
83
American Family
145
90
Mercury
164
100
Clearcover
168
105
Safeco
175
95
Travelers
175
111
Nationwide
180
105
Farmers
198
119
Allstate
208
124
Direct Auto
239
121
Liberty Mutual
252
157
State Auto
261
134
Elephant
263
145
GAINSCO
311
141
Dairyland
395
149
The General
405
154
Bristol West
415
172
Foremost
507
222
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 Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
25
15
State Farm
25
15
GEICO
36
22
COUNTRY Financial
37
23
Mile Auto
37
27
Erie
38
23
American Family
45
28
USAA
46
28
Nationwide
52
30
Travelers
58
37
Mercury
60
37
Farmers
63
38
Allstate
70
42
Safeco
70
38
Direct Auto
78
40
Clearcover
83
51
Liberty Mutual
86
54
Elephant
89
49
GAINSCO
121
55
Dairyland
143
54
Bristol West
145
60
The General
156
59
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 Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
79
48
State Farm
86
52
COUNTRY Financial
100
60
GEICO
106
64
Mile Auto
127
91
USAA
136
83
Erie
141
85
Hugo
142
73
American Family
150
93
Mercury
179
110
Clearcover
183
114
Nationwide
186
108
Safeco
190
103
Travelers
191
121
Farmers
209
126
Allstate
221
132
Liberty Mutual
258
161
Direct Auto
264
134
Elephant
264
146
State Auto
284
145
GAINSCO
339
153
Dairyland
389
146
The General
392
149
Bristol West
418
173
Foremost
550
241
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.
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.
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.
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.
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.