Cheapest Auto Insurance in Naperville, Illinois (2026)

Set on the banks of the DuPage River, Naperville is one of the most affluent suburbs in the Midwest. A low crime rate helps the city routinely land on “Best Places to Live” lists — and may help explain Naperville’s low auto insurance rates.^[1] The average rate for car insurance in Naperville is $105 per month. That’s slightly lower than the Illinois state average. 

Auto-Owners, State Farm, and Certainly offer the cheapest average car insurance in Naperville.

Here, you’ll find the information you need to secure the best car insurance for you at the lowest rate possible.

Cheapest car insurance companies in Naperville 

The best auto insurance company for you depends on your budget and specific situation. The best way to find this ideal insurer is to compare quotes from several companies.

The table below highlights some of the top car insurance companies in Naperville — and explains which company is best for different driver profiles.

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	Cheap rates
Mile Auto	8.8	$107	$52	Low-mileage drivers
State Farm	9.3	$78	$42	Young drivers

Disclaimer: Table data sourced from real-time Naperville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naperville may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 cheap rates: Auto-Owners

Cheap Rates

Compare Quotes

User Reviews	4.3 333 reviews
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.	$34/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.	$64/mo

Details

Driver Reviews

4.3

Best choice in Naperville, 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 Naperville 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 Naperville 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.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.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 offers some of the lowest rates in Naperville. Even the company’s full-coverage rates are roughly half of the area average. Naperville drivers won’t be sacrificing customer service for price, as Auto-Owners earned an above-average customer satisfaction rating from J.D. Power and an A++ (Superior) financial strength rating from AM Best.

Drivers looking for great rates can lower the price of their Auto-Owners policy even more when they take advantage of the company’s bundling discounts, multi-car discounts, and generous teen driver discounts.

Pros

• Low rates and plenty of available discounts

• Above-average J.D. Power customer satisfaction rating in the North Central region

Cons

• Not available in all 50 states

• Low-rated mobile app

Best insurer for low-mileage drivers: Mile Auto

Low-Mileage Drivers

Compare Quotes

User Reviews	4.5 201 reviews
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.	8.8 /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.	$73/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.	$131/mo

Details

Driver Reviews

4.5

Best choice in Naperville, ILBased on 201 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

Based on analysis of verified reviews collected by Insurify

Best in Naperville for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

Based on analysis of verified reviews collected by Insurify

Best in Naperville for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 67 Mile Auto reviews

Maureen

Verified Purchase

Low mileage savings made easy

Reviewed in Georgia on April 16, 2026

This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.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).

NR

Why we picked this company

Mile Auto offers unique pay-per-mile auto insurance plans, charging drivers a base rate and then increasing that rate based on how many miles you drive. Mile Auto may be the best option for low-mileage drivers who don’t have a daily commute or rarely go on long road trips.

Mile Auto also doesn’t require you to install a tracking device in your car. Instead, you just send in a picture of your odometer reading, and the company will send back your rate.

Pros

• Low rates for low-mileage drivers

• Privacy-friendly mileage tracking

Cons

• Available in only 11 states

• Doesn’t offer many additional discounts

Best insurer for young drivers: State Farm

Young Drivers

Compare Quotes

User Reviews	4.0 17,568 reviews
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.	9.3 /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.	$37/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

Details

Driver Reviews

4.0

Best choice in Naperville, ILBased on 17,568 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in Naperville for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in Naperville for

Customer service

Competitive rates

Discounts for safe drivers

Showing 55 Illinois reviews for Naperville drivers - See all 7,465 State Farm reviews

Songo

Verified Review

State Farm Rate Issues

Reviewed in Illinois on April 20, 2026

State Farm always raises rates and does not explain why. It is always a battle to get information, and the agents are not helpful. They seem more concerned about their portion. Insurance for someone with no violations, tickets, or claims should not be over $200 a month.

Gretchen

Verified Review

Excellent

Reviewed in Illinois on April 19, 2026

They are okay. Too high for my car.

Ronald

Verified Review

Towing Coverage without The Tow

Reviewed in Illinois on April 14, 2026

I recently had a blowout from a pothole. I called State Farm for a tow since I had towing coverage. An hour and a half later, no tow truck. I called them back and complained. They said I would get a call when the truck was on the way. Never got a call or a tow truck.

Olinda

Verified Review

State Farm is unbelievably higher than most. Being a 75-year-old woman who drives my car maybe twice a week, I should not be paying $190 a month for a car that’s seven years old with only 18,000 miles on it.

Reviewed in Illinois on March 21, 2026

State Farm is unbelievably higher than most. Being a 75-year-old woman who drives my car maybe twice a week, I should not be paying $190 a month for a car that’s seven years old with only 18,000 miles on it.

Karen

Verified Review

Okay Insurance

Reviewed in Illinois on March 16, 2026

It's good for the money.

Tonisha

Verified Review

Poor

Reviewed in Illinois on March 11, 2026

Expensive rates keep increasing without notification.

Steven

Verified Review

I'm 79 years old and I drive twice a week, less than 3,000 miles a year, but the policy is too expensive. I have a perfect driving record.

Reviewed in Illinois on March 9, 2026

I'm 79 years old and I drive twice a week, less than 3,000 miles a year, but the policy is too expensive. I have a perfect driving record.

Eugenia

Verified Review

State Farm makes me happy

Reviewed in Illinois on March 8, 2026

I've been with them for about 4 years now. They are wonderful; if I have a problem, they help solve it really fast. The staff members are very kind, and for the payment, being with them for four years, I'm in a good place. A lot of other insurance companies cost more money, sometimes double or triple, so I'm happy with State Farm.

Mary Robin

Verified Review

Friendly Assistance Matters

Reviewed in Illinois on March 3, 2026

The office personnel are very helpful and friendly.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

More than a quarter of Naperville’s population is younger than 18 — and these young drivers often face higher insurance rates.^[2]

Luckily, State Farm’s Good Student Discount saves young drivers up to 25% when they earn good grades. And the company’s Steer Clear telematics-based program is specifically designed to help drivers younger than 25 save on car insurance when they practice safe driving.

Pros

• One of the most generous student discounts available

• Nation’s largest insurer, based on market share

Cons

• Gap insurance not available

• Above-average customer complaint volume on National Association of Insurance Commissioners (NAIC) site

How to get the cheapest car insurance in Naperville

While rates in Naperville are already below the state average, you can do some things to lower your costs even more, including:

• Raise your deductible. Choosing a higher deductible typically means you’ll pay lower monthly premiums. However, you’ll have to pay more money out of pocket in the event of a claim.

• Choose a safer car. Vehicles with strong safety records and advanced safety features are typically cheaper to insure, given the lower rate of serious accidents.

• Research available discounts. Look online, or ask your insurance agent about discounts you qualify for. Most insurers offer generous discounts to policyholders who bundle policies, maintain a safe driving record, and more.

• Shop around. Comparing quotes from three to five auto insurance companies makes it easier to find the best auto insurance policy.

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Cheapest liability-only car insurance in Naperville: Auto-Owners

In the event you cause an accident, liability-only insurance covers the other driver’s medical expenses and repair bills. However, it won’t cover your own damages.

Auto-Owners offers the cheapest liability-only car insurance policies in Naperville, at just $34 per month, on average. Here are the other cheapest liability-only car insurance companies in Naperville.

The below rates in Naperville, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$34
State Farm	$37
Certainly	$48
Country Financial	$51
Progressive	$52
GEICO	$54
Direct Auto	$54
Erie	$56
The General	$56
First Chicago	$57
USAA	$59
Mercury	$62
American Family	$64
GAINSCO	$64
Safeco	$64
Bristol West	$68
National General	$70
Dairyland	$75
Freedom National	$75
Nationwide	$76
Elephant	$79
Clearcover	$81
First Acceptance	$82
Travelers	$82
Farmers	$87
Root	$90
Allstate	$92
Liberty Mutual	$94
Mendota	$95
State Auto	$115

Disclaimer: Table data sourced from real-time Naperville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naperville may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Naperville: Auto-Owners

Full-coverage car insurance includes liability insurance, collision insurance, and comprehensive insurance. Collision insurance and comprehensive insurance cover damage to your own vehicle in the event of a claim — making full coverage a smart choice for drivers of new or high-value cars that might be expensive to repair.

The average rate for full-coverage insurance in Naperville is $136 per month, and here you can see the rates offered by area insurers.

The below rates in Naperville, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$64
State Farm	$69
Country Financial	$96
Safeco	$101
Erie	$105
GEICO	$105
Direct Auto	$107
Progressive	$108
Mercury	$109
USAA	$112
American Family	$121
Elephant	$131
National General	$133
Certainly	$138
Nationwide	$142
Root	$144
The General	$144
First Chicago	$145
Liberty Mutual	$150
Clearcover	$153
Travelers	$154
Bristol West	$157
Farmers	$163
Freedom National	$167
GAINSCO	$169
Allstate	$171
Mendota	$185
First Acceptance	$194
Dairyland	$214
State Auto	$215

Disclaimer: Table data sourced from real-time Naperville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naperville may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Illinois

Illinois drivers must carry proof of insurance while on the road or risk paying a $500 fine.^[3] As an at-fault state, Illinois requires drivers who are at fault in an accident to cover medical expenses, repairs, and property damage for the victims of the accident.

Below, you can see the mandatory minimum insurance requirements in Illinois.

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$20,000 per person

Drivers looking to exceed these minimum-coverage limits can purchase the following optional coverages:

• 

  Collision coverage

  If you collide with another car or object and you’re at fault, collision insurance kicks in to cover repair costs.

• 

  Comprehensive coverage

  If your car is damaged in a non-collision event (such as fire, severe weather, or theft), comprehensive coverage kicks in to cover repairs.

• 

  Uninsured/underinsured motorist coverage

  If you get in an accident with a driver who hasn’t purchased enough insurance or doesn’t have any insurance at all, uninsured/underinsured motorist coverage will pay for medical costs and repairs.

Cheapest car insurance for drivers with an incident

People with incidents on their driving record typically pay higher car insurance rates. Incidents include speeding tickets, driving under the influence (DUI) citations, at-fault accidents, and more. Car insurance companies see you as riskier to insure if you have one of these on your record, and they charge you higher monthly premiums to offset this risk.

The amount your rates will rise in Naperville after an incident depends on the severity of the offense. For instance, an at-fault accident that results in expensive claims will often raise your rate more than a first-offense speeding ticket.

In the sections below, you’ll see how individual incident types can affect your insurance rates.

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding is a contributing factor in roughly one-third of all motor vehicle fatalities.^[4] Car insurance companies see drivers with speeding tickets on their record as more likely to file claims in the future and raise rates accordingly.

In Naperville, drivers with a speeding ticket on their motor vehicle records face monthly average rates of $174 for full-coverage car insurance and $94 for liability only. 

Here, you can see how having a speeding ticket on your record can affect your liability insurance rates in Naperville.

The below rates in Naperville, 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	$34	$45
State Farm	$37	$48
Certainly	$48	$62
Country Financial	$51	$70
Progressive	$52	$67
GEICO	$54	$72
Direct Auto	$54	$69
Erie	$56	$75
The General	$56	$76
First Chicago	$57	$73
USAA	$59	$77
Mercury	$62	$87
American Family	$64	$84
GAINSCO	$64	$77
Safeco	$64	$85
Bristol West	$68	$87
National General	$70	$88
Dairyland	$75	$95
Freedom National	$75	$96
Nationwide	$76	$100
Elephant	$79	$96
Clearcover	$81	$105
First Acceptance	$82	$105
Travelers	$82	$108
Farmers	$87	$113
Root	$90	$121
Allstate	$92	$121
Liberty Mutual	$94	$121
Mendota	$95	$122
State Auto	$115	$155

Disclaimer: Table data sourced from real-time Naperville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naperville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Car insurance companies see you as a higher risk for future claims if you have an at-fault accident on your record. As such, you should expect your car insurance rates to increase — though by how much depends on the severity of the accident and the company you work with. 

The average cost of full coverage for drivers with at-fault accidents in Naperville is $186 per month, and liability-only coverage is $100.

In the table below, you can see how having an accident on your record affects the rates you’ll receive from different insurers.

The below rates in Naperville, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Auto-Owners	$34	$46
State Farm	$37	$50
Certainly	$48	$66
Country Financial	$51	$71
Progressive	$52	$71
GEICO	$54	$72
Direct Auto	$54	$75
Erie	$56	$76
The General	$56	$79
First Chicago	$57	$78
USAA	$59	$81
Mercury	$62	$94
American Family	$64	$88
GAINSCO	$64	$84
Safeco	$64	$91
Bristol West	$68	$91
National General	$70	$95
Dairyland	$75	$101
Freedom National	$75	$103
Nationwide	$76	$104
Elephant	$79	$105
Clearcover	$81	$118
First Acceptance	$82	$112
Travelers	$82	$113
Farmers	$87	$119
Root	$90	$123
Allstate	$92	$126
Liberty Mutual	$94	$127
Mendota	$95	$130
State Auto	$115	$160

Disclaimer: Table data sourced from real-time Naperville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naperville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Insurers see a DUI as one of the most serious driving offenses. After a DUI, drivers are legally required to purchase high-risk insurance. The Illinois Department of Motor Vehicles (DMV) estimates this high-risk insurance costs drivers an additional $2,000 per year. This coverage must be carried for three years.^[5]

A DUI offense in Naperville pushes average monthly car insurance rates to $190 and $102 for full coverage and liability only, respectively. The following table highlights the cheapest car insurance companies in Naperville for drivers with a DUI on their record.

The below rates in Naperville, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Auto-Owners	$34	$48
State Farm	$37	$52
Certainly	$48	$67
Country Financial	$51	$71
Progressive	$52	$72
GEICO	$54	$76
Direct Auto	$54	$76
Erie	$56	$79
The General	$56	$77
First Chicago	$57	$79
USAA	$59	$83
Mercury	$62	$93
American Family	$64	$91
GAINSCO	$64	$91
Safeco	$64	$96
Bristol West	$68	$96
National General	$70	$99
Dairyland	$75	$106
Freedom National	$75	$105
Nationwide	$76	$108
Elephant	$79	$112
Clearcover	$81	$115
First Acceptance	$82	$114
Travelers	$82	$116
Farmers	$87	$123
Root	$90	$129
Allstate	$92	$130
Liberty Mutual	$94	$133
Mendota	$95	$132
State Auto	$115	$156

Disclaimer: Table data sourced from real-time Naperville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naperville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Age plays a large role in your average car insurance costs. Your rates will typically decrease around the age of 35 but go up again once you hit 70.

Older drivers are seen as riskier to insure because of their higher rate of visual and cognitive impairments and the increased likelihood they’ll suffer serious injury after an accident.

On average, senior drivers in Naperville pay $115 per month for full coverage and $62 for liability insurance. Here are the lowest average car insurance rates in Naperville for senior drivers.

The below rates in Naperville, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Auto-Owners	$27	$50
State Farm	$29	$54
Country Financial	$40	$75
Certainly	$41	$117
Erie	$42	$79
GEICO	$42	$83
Progressive	$44	$91
Direct Auto	$44	$87
The General	$47	$121
USAA	$47	$90
First Chicago	$48	$123
Mercury	$49	$86
American Family	$51	$96
National General	$54	$103
GAINSCO	$54	$143
Safeco	$55	$87
Bristol West	$56	$130
Nationwide	$58	$108
Dairyland	$63	$180
Freedom National	$63	$141
Elephant	$64	$106
Travelers	$65	$122
Farmers	$68	$128
First Acceptance	$69	$164
Clearcover	$71	$134
Root	$74	$119
Allstate	$74	$137
Liberty Mutual	$77	$124
Mendota	$80	$156
State Auto	$86	$161

Disclaimer: Table data sourced from real-time Naperville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naperville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Teen drivers get in fatal crashes at a rate that’s three times higher than drivers age 20 and older.^[6] Because of this, car insurance companies charge them higher rates to offset these risks.

Fortunately, teens can lower their rates by purchasing a safe car, staying on their parents’ insurance policy, and qualifying for a good student discount. The average rate for car insurance for teens in Naperville is $216 per month.

Teen car insurance in Naperville costs an average of $280 per month for full coverage and $150 for liability only. The following companies offer the lowest rates to Naperville’s teen drivers.

The below rates in Naperville, IL, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Auto-Owners	$73	$138
State Farm	$76	$142
Country Financial	$88	$166
Certainly	$99	$284
GEICO	$104	$203
Progressive	$107	$222
The General	$107	$276
Erie	$110	$207
Direct Auto	$111	$221
USAA	$116	$221
First Chicago	$117	$299
Mercury	$121	$213
GAINSCO	$123	$324
American Family	$129	$244
Bristol West	$129	$298
Safeco	$138	$217
Dairyland	$140	$399
Clearcover	$143	$270
National General	$149	$282
Elephant	$150	$249
Freedom National	$154	$344
Nationwide	$158	$295
Root	$168	$268
First Acceptance	$169	$399
Liberty Mutual	$176	$281
Travelers	$181	$340
Farmers	$185	$346
Allstate	$193	$359
Mendota	$196	$381
State Auto	$294	$549

Disclaimer: Table data sourced from real-time Naperville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naperville may vary based on the policy buyer's unique driver profile.

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Naperville car insurance quotes by credit tier

The state of Illinois allows car insurance companies to check your credit history when determining car insurance rates. Because of this, drivers with excellent or good credit scores have more affordable rates than drivers with poor credit scores.

Here, you can see the average monthly car insurance rates in Naperville based on credit tier.

Is car insurance more expensive in Naperville?

No. Naperville’s average auto insurance rate of $105 is significantly lower than the national average, which currently sits at $142 per month.

Illinois car insurance rates vary by ZIP code based on local property values, repair costs, and crime rates.

More cities in Illinois

A city’s traffic patterns and local property values affect car insurance costs — so cities even just a few miles apart can have fairly different average rates.

City	Average Quote: Liability Only	Average Quote: Full Coverage
Aurora	$77	$150
Berwyn	$88	$172
Chicago	$101	$217
Cicero	$96	$203
Decatur	$66	$135
Elgin	$81	$146
Joliet	$81	$160
Peoria	$74	$151
Rockford	$73	$144

Disclaimer: Table data is based on real-time Naperville quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Naperville car insurance FAQs