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Cheap Auto Insurance Quotes in Naperville, IL (January 2022)
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Last Updated: January 2022
Less than 30 miles from the metropolis of Chicago, Naperville is Illinois’s third-largest city—and it’s growing fast. With about two cars per household on average, Naperville is a city where cars are the primary way people get from point A to point B. And you know what that means: good car insurance is key.
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.
Why you can trust InsurifyInsurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we’ve delivered over 35 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3000 satisfied customers.
Car Insurance in Naperville, IL
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.
$87
$97
$103
$124
$146
State FarmNationwideTravelersProgressiveLiberty Mutual
See More: Cheap Car Insurance Illinois
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Cheapest Car Insurance in Naperville, IL
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Naperville | |
|---|---|
 State Farm | $87/mo |
 Nationwide | $97/mo |
 Travelers | $103/mo |
Progressive | $124/mo |
 Liberty Mutual | $146/mo |
Best Car Insurance in Naperville, IL
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Naperville. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 Clearcover | $107/mo | |
Nationwide | $137/mo | |
 American Family | $142/mo | |
Liberty Mutual | $141/mo | |
 Mercury | $145/mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
$131
$139
$120
$111
$159
$124
IllinoisChicagoAuroraRockfordJolietNaperville
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Naperville, IL Driving Facts
Minimum Car Insurance Requirements in IL
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:
- Bodily injury coverage per person / per accident: $25,000 / %50,000
- Property damage liability coverage: $20,000
- Uninsured motorist bodily injury: $20,000/$40,000
- Uninsured motorist property damage: $15,000 with $250 deductible
- Underinsured motorist coverage: $25,000/$50,000
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 Car Insurance Rates by Driver Age
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 | |
|---|---|
| teens | $262 |
| 20s | $174 |
| 30s | $133 |
| 40s | $160 |
| 50s | $137 |
| 60s | $119 |
| 70s | $98 |
| 80s | N/A |
| Driving History | |
|---|---|
| No Violation | $132 |
| Speeding Ticket | $181 |
| At-Fault Accident | $203 |
| Failure to Stop for Red Light / Stop Sign | $111 |
Naperville Car Insurance Rates by Driving and Accident History
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.
See More: High-risk Car Insurance Illinois
See More: DUI Car Insurance Illinois
Naperville Car Insurance Rates by Credit Tier
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 | |
|---|---|
| Excellent | $139 |
| Good | $144 |
| Average | $141 |
| Poor | $209 |
See More: Bad Credit Car Insurance Illinois
Naperville, IL DMV Information
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.
Public Transportation in Naperville, IL
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.
Find local Naperville agents
ClearPoint Insurance
1807 W Diehl Rd Ste 105, Naperville, IL 60563
Esser/Hayes Ins. Group, Inc
1811 High Grove Ln, Naperville, IL 60540
Trunnell Insurance Services, LLC
1300 Iroquois Ave Ste 200, Naperville, IL 60563
Wine Sergi Insurance
1000 E Warrenville Rd., Ste 101, Naperville, IL 60563
Advantage Insurance Services, Inc.
1730 Park Street, Ste 218, Naperville, IL 60563
Brown & Brown of Illinois, Inc.
263 Shuman Blvd, Suite 110, Naperville, IL 60563
Atwood Insurance
200 E 5th Ave Ste 117E, Naperville, IL 60563-3173
Valley Insurance Group
Valley Insurance Group, Naperville, IL 60563
ChiHaven Insurance Group, Inc
25W056 Setauket Ave, Naperville, IL 60540-3404
Railside Citrus Insurance Agency, Inc.
800 W 5Th Ave, Naperville, IL 60563-8965
Insurify Insights: How Naperville Drivers Measure Up
Naperville, IL
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Naperville drivers measure up to their fellow Illinois motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Naperville
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Naperville drivers rank 3 in the number of car accidents per driver across all cities in Illinois.
- Rank within state: #3
- Percent of drivers in Naperville with an accident: 11.71%
- Drivers in Naperville, IL with an accident in their driving history paid on average 37.8% more than drivers with a clean record
Speeding in Naperville
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Illinois, Naperville drivers rank 21 in the number of speeding infractions per driver.
- Rank within state: #21
- Percent of drivers in Naperville with a speeding ticket: 8.64%
- Drivers in Naperville, IL with a speeding ticket in their driving history paid on average 37.01% more than drivers with a clean record
DUI/DWIs in Naperville
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Naperville drivers rank 22 in the number of DUI’s per driver across all cities in Illinois.
- Rank within state: #22
- Percent of drivers in Naperville with a DUI: 1.02%
- Drivers in Naperville, IL with a DUI in their driving history paid on average --% more than drivers with a clean record
Most Popular Vehicle in Naperville
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Naperville is the Honda Civic.
Rude Drivers in Naperville
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Illinois, Naperville drivers rank 6 in rude driving infractions.
- Rank within state: #6
- Percent of drivers in Naperville with a reckless driving violation: 2.49%
- Drivers in Naperville, IL with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.
Safest Drivers in Naperville
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Naperville drivers rank 3 in clean driving records across all cities in Illinois.
- Rank within state: #3
- Percent of drivers in Naperville with clean record: 81.55%
Failure to Yield the Right of Way in Naperville
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Naperville drivers rank 7 in failure to yield violations per driver across all cities in Illinois.
- Rank within state: #7
- Percent of drivers in Naperville with a failure to yield violation: 0.29%
- Drivers in Naperville, IL with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record
Reckless Drivers in Naperville
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Illinois, Naperville drivers rank 5 in the number of reckless driving offenses per driver.
- Rank within state: #5
- Percent of drivers in Naperville with a reckless driving offense: --%
Hybrid/Electric Vehicle Ownership in Naperville
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Naperville drivers rank 2 in hybrid and electric vehicle ownership across all cities in Illinois.
- Rank within state: #2
- Percent of drivers in Naperville with a hybrid/electric vehicle: 2.7%
How to get the best and cheapest car insurance in Naperville, IL
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.
FAQs - Naperville, IL Car Insurance
Do major insurance carriers have offices in Naperville?
In Naperville, you have plentiful options. From Allstate to State Farm to Liberty Mutual, it seems like all the major insurance carriers have set up shop in Naperville. Additionally, plenty of regional carriers have locations in town as well, helping drivers find just the policy they want.
Will my credit score affect my car insurance rates in Naperville?
Illinois companies consider credit score when determining your car insurance rates. When shopping for car insurance in Naperville, remember that a less-than-perfect credit score could lead to higher insurance rates.
Who offers the cheapest car insurance in my area?
Many variables are at play when you’re browsing car insurance policies. To help you figure out which carriers offer the cheapest policies, use Insurify to easily compare quotes from a wide range of companies.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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