120+ more*Quotes generated for Insurify users in and around Aurora, Illinois within the last 10 days. Last updated on August 16, 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 August 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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NPN: 20461358
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In Aurora, Illinois, drivers pay $80 each month for state-minimum liability insurance and $155 for full coverage. These prices are similar to the statewide average but less than what drivers in Chicago pay and more than the average cost in Naperville.
Aurora has a population density that’s 17 times the state average, according to U.S. census data, which helps explain why insurance costs are slightly higher than in nearby areas. But the low rate of vehicle theft in Kane County helps keep prices steady.
Auto-Owners offers the lowest insurance rates in Aurora, Illinois. But drivers pay an average of $80 per month for minimum coverage, which is very close to the Illinois state average of $83 per month.
Illinois law requires drivers to carry at least $25,000 per person and $50,000 per accident in bodily injury liability. You also need $20,000 in property damage coverage.[1]
Here’s a look at the cheapest liability-only car insurance companies in Aurora.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $39 |
| State Farm | $43 |
| Certainly | $54 |
| Progressive | $57 |
| Country Financial | $59 |
| Direct Auto | $60 |
| The General | $61 |
| GEICO | $62 |
| Erie | $65 |
| First Chicago | $65 |
| USAA | $69 |
| GAINSCO | $73 |
| Safeco | $73 |
| American Family | $74 |
| Mercury | $74 |
| Bristol West | $76 |
| National General | $77 |
| Freedom National | $85 |
| Elephant | $88 |
| Clearcover | $90 |
| Dairyland | $91 |
| First Acceptance | $92 |
| Insurify Car | $92 |
| Travelers | $95 |
| Farmers | $101 |
| Root | $102 |
| Liberty Mutual | $104 |
| Allstate | $106 |
| Mendota | $106 |
| Hugo | $109 |
| State Auto | $134 |
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Full-coverage car insurance in Aurora costs about $155 per month. Auto-Owners and State Farm have average rates that are about 50% lower than the city average, making them the most affordable insurers in the city.
Downtown Aurora sits along the Fox River, which the federal government continually monitors for flood risk. Comprehensive insurance protects you from potential water damage, which liability-only policies won’t cover.
The following insurers offer the lowest rates for full-coverage car insurance in Aurora, Illinois.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $72 |
| State Farm | $78 |
| Country Financial | $108 |
| Progressive | $108 |
| Safeco | $113 |
| Erie | $119 |
| GEICO | $119 |
| Direct Auto | $123 |
| USAA | $127 |
| Mercury | $128 |
| American Family | $137 |
| Elephant | $151 |
| National General | $152 |
| Certainly | $155 |
| The General | $160 |
| Root | $161 |
| First Chicago | $162 |
| Liberty Mutual | $168 |
| Bristol West | $175 |
| Clearcover | $175 |
| Travelers | $175 |
| Farmers | $185 |
| Freedom National | $185 |
| Allstate | $194 |
| GAINSCO | $194 |
| Mendota | $210 |
| First Acceptance | $223 |
| State Auto | $244 |
| Dairyland | $251 |
Chicago has the highest car insurance rates in Illinois, with full coverage costing $223 per month. Suburbs like Chicago Heights and Cicero are also pricey. Bloomington and Naperville, on the other hand, are among the most affordable places for car insurance.
In Aurora, full-coverage car insurance averages $155 per month, which is about 30% less than in Chicago. Even though Aurora has a high population density, Kane County’s theft rate is less than half the state average, which helps keep insurance costs lower.
Here’s how car insurance rates in Aurora compare to other cities in Illinois.
City | Average Monthly Quote |
|---|---|
| Bloomington | $99 |
| Moline | $104 |
| Decatur | $105 |
| Champaign | $108 |
| Naperville | $110 |
| Wheeling | $112 |
| Rockford | $114 |
| Peoria | $116 |
| Schaumburg | $116 |
| Crest Hill | $117 |
| Elgin | $117 |
| Waukegan | $119 |
| Springfield | $120 |
| Des Plaines | $122 |
| Evanston | $123 |
| Joliet | $123 |
| Berwyn | $130 |
| Skokie | $134 |
| Belleville | $136 |
| Chicago Heights | $153 |
| Cicero | $154 |
| Chicago | $164 |
*Quotes generated for Insurify users in and around Aurora, Illinois within the last 10 days. Last updated on August 16, 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 August 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history plays a big role in how much you pay for car insurance in Aurora. Drivers in Aurora with a clean record pay an average of $80 per month for liability-only coverage. But if you get a ticket, have an accident, or get a driving under the influence (DUI) conviction, your rate could increase significantly.
These are the cheapest car insurance companies in Aurora based on different driving records:
Cheapest car insurance for Aurora drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Aurora: Auto-Owners
Cheapest car insurance for Aurora drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Aurora: Auto-Owners
Insurify data shows that in Aurora, 3.1% of drivers have a speeding ticket, 4.6% have caused an accident, and 0.5% have a DUI on their record. Kane County, which includes Aurora, enforces safe driving with programs like “No Refusal” DUI initiatives during holiday weekends.
But even if you have a citation, you can still find affordable coverage. Here’s how much Aurora drivers pay for car insurance based on different driving incidents.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $118 |
| Speeding ticket | $154 |
| At-fault accident | $163 |
| DUI | $173 |
Aurora locals spend about 27 minutes commuting, so driving is a major part of life in the city, and parking is fairly regulated.[2]
The city has a strict snow-parking ban. After any snowfall of more than two inches, you can’t park on streets or alleys until the city has fully plowed them curb to curb. If you break this rule, you could get a ticket.
In downtown Aurora, you can usually find free street parking, city lots, and the Stolp Island garage for everyday parking. But when RiverEdge Park hosts summer concerts or fireworks, nearby streets can get crowded.
Because the Fox River runs through Aurora, the National Weather Service watches closely for flooding.[3] It’s a good idea to check the city’s floodplain maps before driving near the river during heavy rain.
Because Aurora is located along Interstate 88 and U.S. Route 34, two busy roads that connect the city to Chicago’s western suburbs, commutes are longer.
But the good news is that city officials work to keep roads safe. For example, a red-light camera has been in place at the intersection of Ogden Avenue and Eola Road since 2011 to reduce crashes. Kane County also increases DUI patrols during holiday weekends.
Active safety measures help balance out the extra time on the road, so insurance prices in Aurora are about average compared to the rest of the state.
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Auto-Owners and State Farm have the lowest full-coverage rates for teen drivers in Aurora, with averages much lower than the city’s average of $309 per month for teens.
In Illinois, teens can get a driver’s permit at 15 years old and a license at 16, but they need supervised driving hours first.[4]
Here’s a look at which insurance companies offer the lowest rates for teens in Aurora.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $82 |
| State Farm | $87 |
| Country Financial | $98 |
| Certainly | $108 |
| Progressive | $114 |
| The General | $115 |
| GEICO | $117 |
| Direct Auto | $122 |
| Erie | $124 |
| First Chicago | $130 |
| USAA | $132 |
| GAINSCO | $134 |
| Bristol West | $141 |
| Mercury | $141 |
| American Family | $145 |
| Clearcover | $155 |
| Safeco | $155 |
| National General | $159 |
| Root | $162 |
| Dairyland | $165 |
| Elephant | $167 |
| Freedom National | $169 |
| First Acceptance | $183 |
| Insurify Car | $183 |
| Liberty Mutual | $190 |
| Travelers | $204 |
| Farmers | $209 |
| Allstate | $211 |
| Mendota | $211 |
| Hugo | $217 |
| State Auto | $331 |
Liability car insurance for senior drivers costs $30 per month with Auto-Owners and $33 with State Farm. Both have much lower rates than the city’s liability average of $66 per month.
Only 11.1% of Aurora residents are 65 or older, which is less than the statewide average of 18.7%, according to U.S. census data.
Here are the cheapest car insurance companies for senior drivers in Aurora.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $30 |
| State Farm | $33 |
| Certainly | $45 |
| Country Financial | $46 |
| Progressive | $47 |
| Direct Auto | $48 |
| GEICO | $48 |
| Erie | $49 |
| The General | $51 |
| First Chicago | $54 |
| USAA | $55 |
| Mercury | $57 |
| American Family | $58 |
| National General | $59 |
| GAINSCO | $61 |
| Bristol West | $62 |
| Safeco | $62 |
| Elephant | $70 |
| Freedom National | $71 |
| Travelers | $74 |
| Dairyland | $76 |
| First Acceptance | $76 |
| Insurify Car | $76 |
| Clearcover | $78 |
| Farmers | $78 |
| Liberty Mutual | $85 |
| Allstate | $88 |
| Mendota | $88 |
| Hugo | $91 |
| Root | $92 |
| State Auto | $99 |
Here are answers to some of the most common questions about car insurance costs, affordable insurers, and driving laws in Aurora.
Car insurance in Aurora costs $155 per month for full coverage and $80 per month for state-minimum liability. These rates are slightly lower than the Illinois monthly averages of $162 and $83.
Auto-Owners offers the lowest rates in Aurora, averaging $39 per month for liability-only coverage.
Aurora’s population density, traffic patterns, and theft rate affect car insurance costs. Your driving record, age, and ZIP code also affect how much you pay for coverage.
The best way to save is by comparing free quotes from different companies. For example, liability rates can range from $39 to $134 per month in Aurora, depending on the insurer.
Yes. Illinois uses a modified comparative negligence rule. The at-fault driver’s insurance usually pays for damages, but you must be less than 50% responsible to recover damages.[5]
Insurify data scientists analyzed more than 250 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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.
