Best Cheap Auto Insurance in Aurora, Illinois (2023)

Aurora drivers pay about 6% less, on average, for car insurance than the Illinois state average.

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 CoxManaging 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 September 20, 2023

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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.
$28/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.
$50/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

I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.

Dean - April 26, 2019
Verified

Good customer service

Debora - February 12, 2019
Verified

Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.

Dixie - February 12, 2018
Verified
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.
$46/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.
$83/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

Over the years, they have always gone over and above what I would have expected. They are fair and prompt in customer service issues. They have always tailored my policy to meet my needs at a very fair price.

linda - August 9, 2023
Verified

My agent was always there for me.

Dinah - December 4, 2022
Verified

They treat me well.

Jordan - October 25, 2022
Verified
Read our Erie Insurance review

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.
$72/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

Good communication

John - February 4, 2023
Verified

They offer the best rate.

Shannon - February 1, 2023
Verified

Any time I called them, they were on top of it and gave me an answer right away.

John - January 31, 2023
Verified
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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners28
State Farm31
Hugo40
GEICO41
COUNTRY Financial42
Erie46
Mile Auto47
USAA50
Safeco53
American Family54
Mercury60
Nationwide61
State Auto67
Travelers68
Clearcover72
Dairyland72
Farmers72
GAINSCO74
Allstate76
Direct Auto76
Midvale Home & Auto77
Elephant84
Liberty Mutual85
The General96
Bristol West103
Foremost122
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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners50
State Farm55
Mile Auto64
GEICO72
COUNTRY Financial76
Hugo77
Erie83
USAA89
American Family95
Clearcover102
Mercury105
Travelers105
Nationwide111
Safeco112
Direct Auto115
Midvale Home & Auto127
Farmers130
Elephant133
Allstate136
Liberty Mutual142
GAINSCO148
Dairyland156
State Auto172
Bristol West220
The General227
Foremost268
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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners7341
State Farm8045
Mile Auto9368
GEICO10560
COUNTRY Financial11061
Hugo11258
Erie12167
USAA12973
American Family13878
Clearcover148105
Mercury15387
Travelers15399
Nationwide16189
Safeco16377
Direct Auto167110
Midvale Home & Auto185112
Farmers189105
Elephant193122
Allstate198110
Liberty Mutual206123
GAINSCO215108
Dairyland227105
State Auto25097
Bristol West320150
The General330139
Foremost389177
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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners7441
State Farm8146
Mile Auto9569
GEICO10661
COUNTRY Financial11262
Hugo11459
Erie12368
USAA13274
American Family14080
Clearcover151106
Mercury15589
Travelers155100
Nationwide16490
Safeco16678
Direct Auto170112
Midvale Home & Auto188114
Farmers192106
Elephant197124
Allstate201112
Liberty Mutual210126
GAINSCO219109
Dairyland231106
State Auto25499
Bristol West325152
The General335142
Foremost396180
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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners8447
State Farm9252
Mile Auto10779
GEICO12169
COUNTRY Financial12870
Hugo12967
Erie13977
USAA14984
American Family15991
Clearcover171121
Mercury176101
Travelers176114
Nationwide186102
Safeco18889
Direct Auto193128
Midvale Home & Auto213129
Farmers218121
Elephant223141
Allstate228128
Liberty Mutual238143
GAINSCO248124
Dairyland262121
State Auto289112
Bristol West369173
The General381161
Foremost450205
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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners2514
State Farm2715
Mile Auto3223
GEICO3620
COUNTRY Financial3821
Hugo3820
Erie4123
USAA4425
American Family4727
Clearcover5136
Mercury5230
Travelers5234
Nationwide5530
Safeco5626
Direct Auto5738
Midvale Home & Auto6338
Farmers6436
Elephant6642
Allstate6738
Liberty Mutual7042
GAINSCO7337
Dairyland7736
State Auto8533
Bristol West10951
The General11348
Foremost13360
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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners8749
State Farm9654
Mile Auto11282
GEICO12672
COUNTRY Financial13373
Hugo13570
Erie14580
USAA15687
American Family16694
Clearcover178126
Mercury184105
Travelers184119
Nationwide194107
Safeco19693
Direct Auto201133
Midvale Home & Auto222135
Farmers227126
Elephant233147
Allstate238133
Liberty Mutual248149
GAINSCO259129
Dairyland273126
State Auto301117
Bristol West385180
The General397168
Foremost469213
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 CoxManaging Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxManaging 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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