Cheapest Auto Insurance in Naperville, Illinois (2026)
Auto-Owners offers the cheapest coverage in Naperville, at a rate of $45 per month.
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Written byA.M. Steinbach
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A.M. SteinbachFreelance Personal Finance Writer
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A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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Table of contents
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 $108 per month. That’s slightly lower than the Illinois state average.
Auto-Owners, State Farm, and Progressive 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.
Quick Facts
The rate you pay for car insurance is determined by several factors, including your age, gender, marital status, driving history, ZIP code, vehicle type, and more.
Illinois allows car insurance companies to check your credit history when determining your rates.
Naperville drivers have lower average rates than drivers in Chicago, Peoria, and Springfield.
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 | $82 | $48 | Cheap rates |
| Mile Auto | 8.8 | $107 | $52 | Low-mileage drivers |
| State Farm | 9.3 | $89 | $52 | 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.
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
| 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. | $45/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. | $77/mo |
4.3
Best choiceBased on 301 verified guest 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.
AI-generated from the text of verified reviews collected by Insurify
Best 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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (145)
Paul
Verified Review
Auto Owners
Reviewed in Michigan on February 10, 2026
Auto Owners' rates have increased year after year.
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
Scott
Verified Review
Poor
Reviewed in Michigan on January 28, 2026
Prices are too high.
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 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
| User Reviews | 4.5 |
|---|---|
| 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. | $70/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. | $119/mo |
4.5
Best choiceBased on 187 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best 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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (65)
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.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 22, 2025
You won't know until you try them. They are good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.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).
NRWhy 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
| User Reviews | 4.0 |
|---|---|
| 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. | $49/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. | $84/mo |
4.0
Best choiceBased on 14,829 verified guest 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.
AI-generated from the text of verified reviews collected by Insurify
Best 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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (7,012)
Barbara
Verified Review
Totally disappointed in State Farm
Reviewed in South Carolina on February 11, 2026
State Farm was doing okay until we had two claims in two months. Someone ran into our truck, and then one of those concrete stop things in the parking space at Golden Corral proceeded to rip the protective barrier from underneath my car. Now State Farm has decided they’re going to non-renew us, and we’re having trouble finding insurance that we can afford. These were circumstances beyond our control. We totally regret ever insuring with State Farm and will never do it again.
Valerie
Verified Review
State Farm Review
Reviewed in Connecticut on February 11, 2026
They're fine, but the payments go up every 6 months.
Olinda
Verified Review
My experience with State Farm is unbelievable. Almost every month, something goes up. My apartment insurance went from $17 to $38, and I'm in desperate need of new car insurance and apartment insurance. Can you help?
Reviewed in Illinois on February 11, 2026
My experience with State Farm is unbelievable. Almost every month, something goes up. My apartment insurance went from $17 to $38, and I'm in desperate need of new car insurance and apartment insurance. Can you help?
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 $45 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, February 10 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $45 |
| State Farm | $49 |
| Progressive | $65 |
| Direct Auto | $67 |
| COUNTRY Financial | $69 |
| GEICO | $73 |
| Erie | $75 |
| The General | $77 |
| GAINSCO | $80 |
| USAA | $80 |
| Mercury | $80 |
| Safeco | $82 |
| Bristol West | $84 |
| American Family | $85 |
| National General | $86 |
| Dairyland | $91 |
| Elephant | $95 |
| Root | $99 |
| Nationwide | $101 |
| Travelers | $109 |
| Farmers | $116 |
| Allstate | $122 |
| Liberty Mutual | $134 |
| State Auto | $153 |
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 $139 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, February 10 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $77 |
| State Farm | $84 |
| COUNTRY Financial | $116 |
| Progressive | $120 |
| GEICO | $125 |
| Safeco | $128 |
| Direct Auto | $128 |
| Erie | $128 |
| USAA | $135 |
| Mercury | $138 |
| American Family | $147 |
| Elephant | $156 |
| The General | $163 |
| National General | $165 |
| Nationwide | $173 |
| Root | $174 |
| Travelers | $186 |
| Liberty Mutual | $197 |
| GAINSCO | $198 |
| Farmers | $198 |
| Bristol West | $202 |
| Allstate | $208 |
| Dairyland | $240 |
| State Auto | $261 |
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 recent rates near Naperville, Illinois
Recent Naperville, Illinois car insurance prices for Toyota, Honda, Volkswagen , and more.
*Quotes generated for Insurify users in and around Naperville, Illinois within the last 10 days. Last updated on February 11, 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 February 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Naperville, Illinois within the last 10 days. Last updated on February 11, 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 February 11, 2026. Actual quotes 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 $178 for full-coverage car insurance and $100 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, February 10 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $45 | $59 |
| State Farm | $49 | $63 |
| Progressive | $65 | $83 |
| Direct Auto | $67 | $85 |
| COUNTRY Financial | $69 | $95 |
| GEICO | $73 | $96 |
| Erie | $75 | $100 |
| The General | $77 | $104 |
| GAINSCO | $80 | $96 |
| USAA | $80 | $104 |
| Mercury | $80 | $113 |
| Safeco | $82 | $109 |
| Bristol West | $84 | $107 |
| American Family | $85 | $111 |
| National General | $86 | $108 |
| Dairyland | $91 | $114 |
| Elephant | $95 | $115 |
| Root | $99 | $133 |
| Nationwide | $101 | $132 |
| Travelers | $109 | $143 |
| Farmers | $116 | $150 |
| Allstate | $122 | $160 |
| Liberty Mutual | $134 | $172 |
| State Auto | $153 | $205 |
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 $187 per month, and liability-only coverage is $105.
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, February 10 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $45 | $60 |
| State Farm | $49 | $65 |
| Progressive | $65 | $87 |
| Direct Auto | $67 | $92 |
| COUNTRY Financial | $69 | $95 |
| GEICO | $73 | $95 |
| Erie | $75 | $100 |
| The General | $77 | $107 |
| GAINSCO | $80 | $103 |
| USAA | $80 | $108 |
| Mercury | $80 | $122 |
| Safeco | $82 | $116 |
| Bristol West | $84 | $111 |
| American Family | $85 | $115 |
| National General | $86 | $115 |
| Dairyland | $91 | $121 |
| Elephant | $95 | $125 |
| Root | $99 | $133 |
| Nationwide | $101 | $137 |
| Travelers | $109 | $148 |
| Farmers | $116 | $156 |
| Allstate | $122 | $165 |
| Liberty Mutual | $134 | $180 |
| State Auto | $153 | $210 |
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 $183 and $103 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, February 10 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $45 | $63 |
| State Farm | $49 | $69 |
| Progressive | $65 | $86 |
| Direct Auto | $67 | $94 |
| COUNTRY Financial | $69 | $93 |
| GEICO | $73 | $101 |
| Erie | $75 | $105 |
| The General | $77 | $108 |
| GAINSCO | $80 | $112 |
| USAA | $80 | $112 |
| Mercury | $80 | $117 |
| Safeco | $82 | $123 |
| Bristol West | $84 | $118 |
| American Family | $85 | $119 |
| National General | $86 | $121 |
| Dairyland | $91 | $128 |
| Elephant | $95 | $133 |
| Root | $99 | $139 |
| Nationwide | $101 | $142 |
| Travelers | $109 | $153 |
| Farmers | $116 | $163 |
| Allstate | $122 | $171 |
| Liberty Mutual | $134 | $188 |
| State Auto | $153 | $214 |
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 $116 per month for full coverage and $65 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, February 10 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $35 | $60 |
| State Farm | $38 | $65 |
| Direct Auto | $53 | $101 |
| COUNTRY Financial | $54 | $91 |
| Progressive | $54 | $100 |
| Erie | $56 | $96 |
| GEICO | $57 | $98 |
| Mercury | $63 | $109 |
| USAA | $64 | $108 |
| The General | $64 | $135 |
| National General | $66 | $128 |
| GAINSCO | $67 | $165 |
| American Family | $67 | $116 |
| Bristol West | $69 | $165 |
| Safeco | $71 | $110 |
| Dairyland | $76 | $201 |
| Nationwide | $76 | $130 |
| Elephant | $77 | $127 |
| Root | $82 | $143 |
| Travelers | $86 | $146 |
| Farmers | $90 | $154 |
| Allstate | $98 | $166 |
| Liberty Mutual | $110 | $162 |
| State Auto | $114 | $195 |
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 $229 per month.
Teen car insurance in Naperville costs an average of $294 per month for full coverage and $165 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, February 10 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $97 | $166 |
| State Farm | $102 | $175 |
| COUNTRY Financial | $121 | $203 |
| Progressive | $138 | $254 |
| Direct Auto | $140 | $267 |
| GEICO | $142 | $243 |
| The General | $146 | $310 |
| Erie | $149 | $254 |
| GAINSCO | $159 | $394 |
| USAA | $160 | $270 |
| Mercury | $160 | $276 |
| Bristol West | $163 | $391 |
| Dairyland | $167 | $441 |
| American Family | $174 | $300 |
| Safeco | $178 | $278 |
| Elephant | $182 | $298 |
| Root | $186 | $327 |
| National General | $187 | $359 |
| Nationwide | $213 | $364 |
| Travelers | $242 | $414 |
| Farmers | $248 | $423 |
| Liberty Mutual | $256 | $377 |
| Allstate | $260 | $443 |
| State Auto | $396 | $675 |
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.
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 Naperville?
No. Naperville’s average auto insurance rate of $108 is significantly lower than the national average, which currently sits at $136 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 | $84 | $150 |
| Berwyn | $96 | $177 |
| Chicago | $107 | $207 |
| Cicero | $103 | $189 |
| Decatur | $71 | $130 |
| Elgin | $90 | $146 |
| Joliet | $84 | $149 |
| Peoria | $82 | $142 |
| Rockford | $77 | $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
Looking for more information to help you find the best car insurance rates in Naperville? Consult the answers below.
How much is car insurance in Naperville?
The average rate for car insurance in Naperville is $108 per month. The average rate for liability-only insurance is $78, and the average rate for full-coverage insurance is $139 per month.
Which company has the cheapest car insurance in Naperville?
Auto-Owners offers the cheapest car insurance in Naperville, at a rate of $45 per month. However, this insurer may not be the cheapest for you. That’s why it’s important to compare quotes from multiple insurers to find the best plan for you.
What are the best car insurance companies in Naperville?
State Farm, Mile Auto, and Auto-Owners Insurance are three of the top insurers in Naperville.
State Farm and Auto-Owners are large insurers with high rankings for financial stability, customer service, discounts offered, and low rate availability. Mile Auto is ideal for low-mileage drivers because it bases rates on the amount you drive, allowing people who drive alone or work from home to potentially save a lot of money.
Which company has the cheapest car insurance in Illinois?
Auto-Owners offers the cheapest car insurance in Illinois, at a rate of $48 per month for liability coverage. Drivers can also find affordable coverage with State Farm and Progressive, the second- and third-cheapest insurers in the city. Their liability-only monthly rates start at $49 and $65, respectively.
How much does car insurance cost per month in Illinois?
The average rate for car insurance in Illinois is $115 per month. The average rate for liability-only coverage is $82 per month, and the average rate for full coverage is $149 per month.
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.
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Sources
- Naperville.il.us. "An Award-Winning Community."
- United States Census Bureau. "Naperville city, Illinois; United States."
- Illinois Secretary of State. "Mandatory Vehicle Insurance."
- City of Naperville. "Naperville Police Join Officers from 11 States to Combat Speeding."
- Illinois DMV. "Illinois DUI Fact Book."
- Insurance Information Institute. "Teen Drivers and Passengers: Get the Facts."
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A.M. SteinbachFreelance Personal Finance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose that helps readers feel confident about their insurance decisions.
A.M. earned a bachelor’s in English from Harvard, where he led operations at The Harvard Lampoon.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.