Cheapest Auto Insurance in Aurora, Illinois (2026)
Auto-Owners offers the cheapest car insurance in Aurora, with minimum-coverage policies as low as $36 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byAmy Beardsley
)
Amy BeardsleyFreelance Insurance and Real Estate 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
){kind=small}
){kind=small}
)
Edited byAshley 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
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
Reviewed byJohn Leach
)
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
){kind=small}
Updated
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.
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.
Table of contents
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 $114 per month, which is nearly the same as the Illinois average cost of $119, but much lower than Chicago’s monthly overall average of $159.
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 Certainly are the cheapest insurers in Aurora.
Liability-only insurance in Aurora costs an average of $77 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  | 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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $72 | $38 | Liability-only coverage |
| Erie | 8.4 | $119 | $63 | Commuters |
| GEICO | 9.2 | $119 | $62 | Drivers with a DUI |
Disclaimer: Table data is based on real-time Aurora quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 | 4.3 |
|---|---|
| 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. | $36/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. | $69/mo |
4.3
Best choice in Aurora, ILBased on 333 verified driver 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.
Based on analysis of verified reviews collected by Insurify
Best in Aurora 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.
Based on analysis of verified reviews collected by Insurify
Best in Aurora for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviews - See all 150 Auto-Owners reviews
James
Verified Review
Does not take care of business. People they send for damage repair are way off base on their pricing
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Twitty
Verified Review
Good company, just the rates are too expensive
Reviewed in Florida on April 4, 2026
Uneventful.
Darryl
Verified Review
Insurance Shopping
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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 | 4.4 |
|---|---|
| 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. | $61/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. | $114/mo |
4.4
Best choice in Aurora, ILBased on 516 verified driver 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.
Based on analysis of verified reviews collected by Insurify
Best in Aurora 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.
Based on analysis of verified reviews collected by Insurify
Best in Aurora for
High customer satisfaction
Competitive rates
Optional coverages
Showing recent national reviews - See all 233 Erie Insurance reviews
Paul
Verified Review
Erie Insurance - Good coverage, very high cost!
Reviewed in Pennsylvania on April 29, 2026
Very expensive, shop around and you'll get a better price.
Leo
Verified Review
Awesome
Reviewed in Delaware on April 27, 2026
Excellent rates for my age and driving habits. I only pay $877 for the year. Try to beat that.
Gregory
Verified Review
Best and Most Affordable Insurance Company Ever
Reviewed in Maryland on April 12, 2026
Great customer service and great agent.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68A.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 | 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. | 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. | $58/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. | $114/mo |
3.9
A solid option in Aurora, ILBased on 17,786 verified driver 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.
Based on analysis of verified reviews collected by Insurify
Best in Aurora 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.
Based on analysis of verified reviews collected by Insurify
Best in Aurora for
Teen drivers
Cheap rates
Accident forgiveness
Showing 21 Illinois reviews for Aurora drivers - See all 7,677 GEICO reviews
Ronald
Verified Review
Keep shopping for good rates
Reviewed in Illinois on April 13, 2026
They kept raising rates, no matter how safe a driver I was or how long I had been with them.
Andrzej L
Verified Purchase
Big Name Excellence
Reviewed in Illinois on March 22, 2026
Great, competitive price with the flexibility of auto monthly payments.
Dynasty
Verified Review
Affordable insurance
Reviewed in Illinois on March 13, 2026
Received the best affordable policy quotes.
Mandell
Verified Review
Unfair Rate Increase
Reviewed in Illinois on February 27, 2026
I got rear-ended and never filed a claim with Geico. The other party was at fault, but Geico increased my policy by $400 for 6 months.
Robert
Verified Purchase
Excellent value, excellent customer service
Reviewed in Illinois on January 24, 2026
Great price/value and excellent customer service.
Doris
Verified Review
Excellent job
Reviewed in Illinois on January 11, 2026
GEICO's service is excellent in almost every case. My problem is getting a live customer service representative. There are times when I want to speak to a person. That's the one change I'd encourage them to make. Most companies are using AI, which makes things extremely difficult.
Sharon
Verified Purchase
Great
Reviewed in Illinois on January 10, 2026
Easy and quick purchase of online insurance with no problem.
Michael
Verified Review
Car Insurance
Reviewed in Illinois on January 2, 2026
It is better than most others out there, but they could do better for people that rarely use their car, barely 20 miles a week if that. Look and compare. If they go higher, we will look elsewhere.
Joanne
Verified Review
Insurance Worth Trusting
Reviewed in Illinois on January 2, 2026
Quick for roadside assistance. Price is a little high, but good service so far.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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: 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 in Aurora, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $36 |
| State Farm | $40 |
| Certainly | $52 |
| Country Financial | $56 |
| Progressive | $57 |
| GEICO | $58 |
| Direct Auto | $58 |
| The General | $60 |
| Erie | $61 |
| First Chicago | $62 |
| USAA | $64 |
| Mercury | $67 |
| American Family | $70 |
| GAINSCO | $70 |
| Safeco | $70 |
| Bristol West | $74 |
| National General | $76 |
| Dairyland | $81 |
| Freedom National | $81 |
| Nationwide | $82 |
| Elephant | $85 |
| Clearcover | $88 |
| First Acceptance | $89 |
| Travelers | $89 |
| Farmers | $95 |
| Root | $98 |
| Allstate | $100 |
| Liberty Mutual | $102 |
| Mendota | $103 |
| State Auto | $125 |
Disclaimer: Table data sourced from real-time Aurora car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Aurora 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 in Aurora, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $69 |
| State Farm | $75 |
| Country Financial | $104 |
| Safeco | $109 |
| Erie | $114 |
| GEICO | $114 |
| Direct Auto | $116 |
| Progressive | $117 |
| Mercury | $119 |
| USAA | $122 |
| American Family | $131 |
| Elephant | $143 |
| National General | $145 |
| Certainly | $149 |
| Nationwide | $154 |
| Root | $156 |
| The General | $156 |
| First Chicago | $157 |
| Liberty Mutual | $163 |
| Clearcover | $166 |
| Travelers | $167 |
| Bristol West | $171 |
| Farmers | $177 |
| Freedom National | $181 |
| GAINSCO | $184 |
| Allstate | $186 |
| Mendota | $201 |
| First Acceptance | $211 |
| Dairyland | $233 |
| State Auto | $234 |
Disclaimer: Table data sourced from real-time Aurora car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Aurora may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Aurora, Illinois
Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $78/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 30, 2026. 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 April 30, 2026. 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 30, 2026. 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 April 30, 2026. 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 | 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.
Find Car Insurance in Aurora, Illinois
Monthly rates start at $46 for drivers with an incident
Excellent
4.7 out of 5 based on 14,011 reviews
Secure. Free. Easy-to-use.
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 $192 per month for full coverage and $99 for liability only.
The below rates in Aurora, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $36 | $47 |
| State Farm | $40 | $51 |
| Certainly | $52 | $67 |
| Country Financial | $56 | $77 |
| Progressive | $57 | $73 |
| GEICO | $58 | $77 |
| Direct Auto | $58 | $74 |
| The General | $60 | $81 |
| Erie | $61 | $82 |
| First Chicago | $62 | $80 |
| USAA | $64 | $84 |
| Mercury | $67 | $94 |
| American Family | $70 | $92 |
| GAINSCO | $70 | $85 |
| Safeco | $70 | $93 |
| Bristol West | $74 | $95 |
| National General | $76 | $96 |
| Dairyland | $81 | $102 |
| Freedom National | $81 | $104 |
| Nationwide | $82 | $108 |
| Elephant | $85 | $103 |
| Clearcover | $88 | $114 |
| First Acceptance | $89 | $114 |
| Travelers | $89 | $117 |
| Farmers | $95 | $123 |
| Root | $98 | $132 |
| Allstate | $100 | $132 |
| Liberty Mutual | $102 | $131 |
| Mendota | $103 | $132 |
| State Auto | $125 | $168 |
Disclaimer: Table data sourced from real-time Aurora car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Aurora 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 $206 per month for full coverage and $106 for liability only.
The below rates in Aurora, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $36 | $49 |
| State Farm | $40 | $54 |
| Certainly | $52 | $71 |
| Country Financial | $56 | $78 |
| Progressive | $57 | $78 |
| GEICO | $58 | $78 |
| Direct Auto | $58 | $81 |
| The General | $60 | $84 |
| Erie | $61 | $83 |
| First Chicago | $62 | $85 |
| USAA | $64 | $88 |
| Mercury | $67 | $102 |
| American Family | $70 | $96 |
| GAINSCO | $70 | $92 |
| Safeco | $70 | $99 |
| Bristol West | $74 | $99 |
| National General | $76 | $103 |
| Dairyland | $81 | $109 |
| Freedom National | $81 | $111 |
| Nationwide | $82 | $113 |
| Elephant | $85 | $113 |
| Clearcover | $88 | $128 |
| First Acceptance | $89 | $122 |
| Travelers | $89 | $122 |
| Farmers | $95 | $129 |
| Root | $98 | $134 |
| Allstate | $100 | $137 |
| Liberty Mutual | $102 | $138 |
| Mendota | $103 | $141 |
| State Auto | $125 | $174 |
Disclaimer: Table data sourced from real-time Aurora car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Aurora 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 $209 per month for full coverage and $107 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 in Aurora, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $36 | $51 |
| State Farm | $40 | $57 |
| Certainly | $52 | $72 |
| Country Financial | $56 | $78 |
| Progressive | $57 | $79 |
| GEICO | $58 | $81 |
| Direct Auto | $58 | $82 |
| The General | $60 | $82 |
| Erie | $61 | $86 |
| First Chicago | $62 | $86 |
| USAA | $64 | $91 |
| Mercury | $67 | $100 |
| American Family | $70 | $99 |
| GAINSCO | $70 | $99 |
| Safeco | $70 | $105 |
| Bristol West | $74 | $105 |
| National General | $76 | $108 |
| Dairyland | $81 | $115 |
| Freedom National | $81 | $113 |
| Nationwide | $82 | $116 |
| Elephant | $85 | $120 |
| Clearcover | $88 | $125 |
| First Acceptance | $89 | $124 |
| Travelers | $89 | $126 |
| Farmers | $95 | $134 |
| Root | $98 | $140 |
| Allstate | $100 | $142 |
| Liberty Mutual | $102 | $144 |
| Mendota | $103 | $144 |
| State Auto | $125 | $169 |
Disclaimer: Table data sourced from real-time Aurora car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Aurora 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 $127 per month for full coverage and $65 for liability only.
The below rates in Aurora, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $22 | $41 |
| State Farm | $23 | $44 |
| Country Financial | $33 | $62 |
| Erie | $35 | $66 |
| GEICO | $36 | $70 |
| Certainly | $38 | $110 |
| Direct Auto | $39 | $79 |
| Progressive | $42 | $86 |
| USAA | $42 | $80 |
| American Family | $43 | $80 |
| Mercury | $43 | $77 |
| The General | $44 | $115 |
| First Chicago | $46 | $116 |
| National General | $47 | $91 |
| Nationwide | $47 | $88 |
| Bristol West | $52 | $119 |
| GAINSCO | $53 | $140 |
| Safeco | $53 | $83 |
| Travelers | $57 | $107 |
| Farmers | $58 | $109 |
| Elephant | $58 | $98 |
| Freedom National | $60 | $133 |
| Dairyland | $61 | $174 |
| Allstate | $64 | $119 |
| First Acceptance | $66 | $155 |
| Root | $68 | $108 |
| Liberty Mutual | $69 | $111 |
| Clearcover | $71 | $135 |
| State Auto | $73 | $137 |
| Mendota | $76 | $148 |
Disclaimer: Table data sourced from real-time Aurora car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Aurora 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 $309 per month for full coverage and $159 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 in Aurora, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $78 | $149 |
| State Farm | $83 | $155 |
| Country Financial | $97 | $180 |
| Certainly | $107 | $307 |
| GEICO | $112 | $220 |
| The General | $115 | $299 |
| Progressive | $117 | $241 |
| Erie | $120 | $224 |
| Direct Auto | $120 | $239 |
| USAA | $126 | $241 |
| First Chicago | $128 | $323 |
| Mercury | $131 | $232 |
| GAINSCO | $134 | $352 |
| Bristol West | $140 | $324 |
| American Family | $141 | $264 |
| Dairyland | $151 | $434 |
| Safeco | $151 | $234 |
| Clearcover | $155 | $293 |
| National General | $161 | $308 |
| Elephant | $161 | $272 |
| Freedom National | $167 | $373 |
| Nationwide | $170 | $320 |
| Root | $182 | $290 |
| First Acceptance | $183 | $434 |
| Liberty Mutual | $191 | $306 |
| Travelers | $196 | $369 |
| Farmers | $202 | $376 |
| Allstate | $210 | $391 |
| Mendota | $212 | $414 |
| State Auto | $319 | $598 |
Disclaimer: Table data sourced from real-time Aurora car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Aurora may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Aurora, Illinois
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 14,011 reviews
Secure. Free. Easy-to-use.
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 $114 per month. Residents of Aurora pay less than the national overall average cost of $142 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 | Liability Only | Full Coverage |
|---|---|---|
| Berwyn | $88 | $172 |
| Chicago | $101 | $217 |
| Decatur | $66 | $135 |
| Joliet | $81 | $160 |
| Naperville | $73 | $136 |
| Peoria | $74 | $151 |
| Rockford | $73 | $144 |
| Springfield | $78 | $160 |
| Waukegan | $77 | $151 |
Disclaimer: Table data is based on real-time Aurora quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $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 Aurora, with a monthly liability-only rate of $36. Other affordable insurers include State Farm and Certainly, with liability rates of $40 and $52 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 190 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
- 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.
Related articles
)
Cheapest Illinois Car Insurance Quotes From $38/mo.
April 30, 2026
)
Best Car Insurance in Illinois
April 29, 2026
)
Cheap SR-22 Insurance in Illinois
April 30, 2026
)
Rideshare Insurance in Illinois
April 30, 2026
Car Insurance Requirements in Illinois
April 30, 2026
)
Temporary Car Insurance in Illinois: Weekly Coverage Options
April 30, 2026
)
Gap Insurance in Illinois
April 30, 2026
Average Car Insurance Cost in Illinois
February 19, 2026
)
Cheapest Car Insurance Quotes in Peoria, IL
April 30, 2026
)
Best Cheap Car Insurance in Waukegan, IL, From $36
April 30, 2026
)
Best Cheap Car Insurance in Springfield, IL, From $38
April 30, 2026
Cheap Car Insurance in Naperville, IL, Starting at $34
April 30, 2026
)
Best Cheap Car Insurance in Rockford, IL, From $35
April 30, 2026
)
Cheapest Car Insurance Quotes in Joliet, IL
April 30, 2026
)
Cheap Car Insurance in Elgin, IL, Starting at $36
April 30, 2026
Compare Cheap Chicago Car Insurance Quotes From $51/mo.
April 30, 2026
)
)
)
Sources
- Illinois Department of Transportation. "City Summary Crash Report (Aurora)."
- Illinois Department of Transportation. "City Summary Crash Report (Chicago)."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Illinois Department of Insurance. "Auto Insurance Shopping Guide."
- Insurance Institute for Highway Safety. "Older drivers."
- National Highway Traffic Safety Administration. "Teen Driving."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
- J.D. Power. "2022 U.S. Auto Insurance Study."
)
Amy BeardsleyFreelance Insurance and Real Estate 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
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in