Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Prairie State.
As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
With O’Hare Airport nearby and plenty of major tollways passing through town, it’s no stretch to call Naperville a midwestern transportation hub. As you get around the city, be sure to invest in a car insurance policy that keeps you protected without putting a dent in your wallet.
The average cost of Illinois car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Naperville, IL to find you the cheapest quotes in the area.
Here are the cheapest carriers in Naperville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 State Farm | $87/mo |
 Nationwide | $97/mo |
 Travelers | $103/mo |
 Progressive | $124/mo |
 Liberty Mutual | $146/mo |
| Best Companies | Quotes | |
|---|---|---|
 Clearcover | $107/mo | |
Nationwide | $137/mo | |
 American Family | $142/mo | |
Liberty Mutual | $141/mo | |
 Mercury | $145/mo |
Illinois drivers must keep a copy of their insurance card in their vehicle at all times.
If you’re pulled over and you cannot provide proof of insurance, you will be required to provide that proof in court. And you’ll face a $100 fine.There are several important insurance requirements for minimum coverage for Illinois drivers:
Liabiltiy insurance coverage is non-negotable. You can, however, reject uninsured motorist coverage if you want to. You’ll need to do so in writing. Of course, we don’t recommend doing so, especially because an estimated 13.7% of Illinois drivers are uninsured.
Other optional coverages for your auto policy include, of course, comprehensive and collision. Comprehenisve coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision. Collision coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
Naperville drivers tend to see a decrease in their monthly premium rates as they get older. Teen drivers have the highest rates, averaging around $261.76, while drivers in their 70s have the lowest rates, at just under $100. Drivers in their 40s and 50s can expect average premiums of $159.30 and $136.11, respectively. Naperville and the state of Illinois tend to place more weight on age and experience behind the wheel when it comes to pricing.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $262 |
| 20s | $174 |
| 30s | $133 |
| 40s | $160 |
| 50s | $137 |
| 60s | $119 |
| 70s | $98 |
| 80s | N/A |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $132 |
| Speeding Ticket | $181 |
| At-Fault Accident | $203 |
| Failure to Stop for Red Light / Stop Sign | $111 |
Many insurance companies in Naperville base their average premium rates on risk factors like driving and accident history. Having no violations on your record can have a huge impact on how much you pay each month. In fact, drivers without any instances or violations can expect to pay an average premium of $131.02. Conversely, drivers who have major violations, such as at-fault accidents, typically have higher premiums, with an average around $202.02.
Surprisingly, credit scores can have a huge impact on what your average premium rates are for your auto insurance. In Naperville, having a score other than a poor rating can have significant benefits. Those with an excellent rating will typically pay an average premium of $139. While those with good and average scores are only a few dollars higher, at $143.87 and $140.79, respectively. However, if you currently have a poor rating, you should expect a higher average premium of $208.03.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $139 |
| Good | $144 |
| Average | $141 |
| Poor | $209 |
Naperville residents can fulfill their driver services needs with a visit to the Secretary of State’s office at 931 W 75th St., Ste. 161, Naperville, IL 60565. Open five days a week, this facility offers driver’s license renewals, sticker replacements, and much more.
With rail service provided by Metra and Amtrak, Naperville residents have no problem getting to Chicago and other surrounding regions. Plenty of bus lines also cross through Naperville, giving residents an easy alternative when they want to keep their car in the garage for the day.
In Naperville, the car is king. With a couple of cars per household, the roads in Naperville are pretty busy. Look to Insurify if you want an easy way to compare 10+ free car insurance quotes side by side so that finding the right car insurance is a breeze.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Naperville stacks up for the state of Illinois:
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
Illinois' new Driving a Cleaner Illinois program, co-founded by the Illinois EPA, is dedicated to improving air quality in the state by sourcing ideas on how to remove and replace old diesel engines from service. As a relatively eco-conscious state, Illinois has many green driving laws and regulations. Many counties in Illinois prohibit idling diesel-powered vehicles for over 10 minutes. The state offers numerous eco-friendly driver incentives.
