Cheapest Auto Insurance in Naperville, Illinois (2024)

Auto-Owners offers the cheapest coverage in Naperville, at a rate of $25 per month.

A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachInsurance 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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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
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Updated June 20, 2024

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Cheapest recent rates near Naperville, Illinois

Drivers in and around Naperville, Illinois have found policies from First Chicago, Mercury, The General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Naperville, Illinois within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $120 per month. That’s slightly lower than the Illinois state average. 

Auto-Owners, State Farm, and GEICO 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Auto-Owners8.5$44$28Cheap rates
Mile Auto7.5$68$46Low-mileage drivers
State Farm9.3$47$30Young drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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-5 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 28,000 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$25/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.
$41/mo

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

Read our Auto-Owners review
Thomas - June 18, 2024
Verified

Pleased

I'm very pleased, but it got too expensive.

Phyllis - June 17, 2024
Verified

Interested in Changing

They are very difficult to contact with problems and questions.

Kenneth - June 17, 2024
Verified

Excellent

I would renew with them, but they are leaving Florida.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
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
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.
$42/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.
$62/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$26/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.
$44/mo

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

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

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.

Find Car Insurance in Naperville, Illinois

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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 $25 per month, on average. Here are the other cheapest liability-only car insurance companies in Naperville.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$25
State Farm$26
GEICO$35
Hugo$36
COUNTRY Financial$37
Erie$41
Mile Auto$42
USAA$44
American Family$46
Mercury$52
Nationwide$55
Travelers$59
Safeco$60
Direct Auto$61
Clearcover$62
Farmers$64
Allstate$66
National General$71
Midvale Home & Auto$73
State Auto$77
Dairyland$78
GAINSCO$81
Elephant$82
The General$86
Liberty Mutual$93
Bristol West$95
Foremost$128
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in 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 $166 per month, and here you can see the rates offered by area insurers.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$41
State Farm$44
GEICO$59
COUNTRY Financial$62
Mile Auto$62
Erie$67
USAA$72
Hugo$76
American Family$77
Mercury$85
Safeco$85
Travelers$98
Clearcover$99
Nationwide$100
Farmers$105
Allstate$110
Midvale Home & Auto$117
Direct Auto$128
National General$131
State Auto$141
Elephant$149
Liberty Mutual$154
GAINSCO$188
Dairyland$214
Bristol West$234
The General$234
Foremost$291
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Naperville, Illinois

Drivers in and around Naperville, Illinois have found policies from Dairyland, Liberty Mutual, Certainly, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Naperville, Illinois within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 $244 for full-coverage car insurance and $109 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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners$25$33
State Farm$26$34
GEICO$35$46
Hugo$36$50
COUNTRY Financial$37$50
Erie$41$55
Mile Auto$42$59
USAA$44$58
American Family$46$61
Mercury$52$73
Nationwide$55$73
Travelers$59$78
Safeco$60$80
Direct Auto$61$81
Clearcover$62$83
Farmers$64$84
Allstate$66$87
National General$71$93
Midvale Home & Auto$73$100
State Auto$77$110
Dairyland$78$103
GAINSCO$81$117
Elephant$82$119
The General$86$115
Liberty Mutual$93$135
Bristol West$95$125
Foremost$128$186
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: 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 $254 per month, and liability-only coverage is $113.

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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners$25$35
State Farm$26$36
GEICO$35$49
Hugo$36$48
COUNTRY Financial$37$53
Erie$41$58
Mile Auto$42$63
USAA$44$61
American Family$46$64
Mercury$52$76
Nationwide$55$77
Travelers$59$82
Safeco$60$81
Direct Auto$61$86
Clearcover$62$91
Farmers$64$88
Allstate$66$91
National General$71$99
Midvale Home & Auto$73$107
State Auto$77$117
Dairyland$78$108
GAINSCO$81$108
Elephant$82$112
The General$86$121
Liberty Mutual$93$140
Bristol West$95$130
Foremost$128$193
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: 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 $287 and $128 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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners$25$43
State Farm$26$44
GEICO$35$60
Hugo$36$62
COUNTRY Financial$37$63
Erie$41$70
Mile Auto$42$65
USAA$44$75
American Family$46$79
Mercury$52$80
Nationwide$55$94
Travelers$59$101
Safeco$60$103
Direct Auto$61$104
Clearcover$62$106
Farmers$64$109
Allstate$66$113
National General$71$121
Midvale Home & Auto$73$125
State Auto$77$132
Dairyland$78$133
GAINSCO$81$138
Elephant$82$140
The General$86$147
Liberty Mutual$93$159
Bristol West$95$162
Foremost$128$219
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: 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 $117 per month for full coverage and $52 for liability insurance. Here are the lowest average car insurance rates in Naperville for senior drivers.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$18$30
State Farm$19$32
Hugo$24$50
GEICO$26$44
COUNTRY Financial$27$45
Erie$28$46
Mile Auto$29$43
USAA$32$53
American Family$33$55
Mercury$36$59
Nationwide$38$69
Travelers$43$71
Direct Auto$44$92
Safeco$45$64
Clearcover$46$74
Farmers$46$76
Allstate$49$82
Midvale Home & Auto$52$83
National General$52$95
State Auto$55$100
Dairyland$58$158
Elephant$60$109
GAINSCO$62$144
The General$65$177
Liberty Mutual$69$114
Bristol West$70$173
Foremost$92$210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: 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 $211 per month.

Teen car insurance in Naperville costs an average of $293 per month for full coverage and $130 for liability only. The following companies offer the lowest rates to Naperville’s teen drivers.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$43$70
State Farm$44$74
COUNTRY Financial$54$90
GEICO$55$92
Hugo$62$131
Erie$68$112
USAA$72$118
American Family$80$133
Mile Auto$81$119
Nationwide$93$169
Mercury$94$153
Travelers$105$175
Direct Auto$110$231
Farmers$112$183
Allstate$115$191
Clearcover$119$190
Safeco$124$175
Midvale Home & Auto$125$200
Dairyland$129$354
Elephant$134$244
National General$135$248
State Auto$135$248
The General$138$374
GAINSCO$143$331
Bristol West$160$394
Liberty Mutual$170$282
Foremost$225$512
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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 $120 is significantly lower than the national average, which currently sits at $160 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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Aurora$78$180
Berwyn$79$190
Chicago$93$226
Cicero$86$239
Decatur$71$151
Elgin$80$164
Joliet$77$169
Peoria$77$176
Rockford$73$163
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.

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 $120 per month. The average rate for liability-only insurance is $74, and the average rate for full-coverage insurance is $166 per month.

  • Which company has the cheapest car insurance in Naperville?

    Auto-Owners offers the cheapest car insurance in Naperville, at a rate of $25 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 seldomly 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 $28 per month for liability coverage. Drivers can also find affordable coverage with State Farm and GEICO, the second- and third-cheapest insurers in the city. Their liability-only monthly rates start at $26 and $35, respectively.

  • How much does car insurance cost per month in Illinois?

    The average rate for car insurance in Illinois is $132 per month. The average rate for liability-only coverage is $79 per month, and the average rate for full coverage is $184 per month.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Naperville.il.us. "An Award-Winning Community."
  2. United States Census Bureau. "Naperville city, Illinois; United States."
  3. Illinois Secretary of State. "Mandatory Vehicle Insurance."
  4. City of Naperville. "Naperville Police Join Officers from 11 States to Combat Speeding."
  5. Illinois DMV. "Illinois DUI Fact Book."
  6. Insurance Information Institute. "Teen Drivers and Passengers: Get the Facts."
A.M. Steinbach
A.M. SteinbachInsurance 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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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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