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.
Cheapest Car Insurance in Naperville, IL
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.
| Companies | Quotes |
|---|---|
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 carrier reviews. The following are the top rated carriers that offer car insurance in Naperville. For the complete list, see Insurify's best car insurance companies.
| Companies | Score | Quotes |
|---|---|---|
Clearcover |
97
|
$107 /mo |
|
Nationwide |
89
|
$137 /mo |
American Family |
89
|
$141 /mo |
|
Liberty Mutual |
82
|
$141 /mo |
Mercury |
81
|
$145 /mo |
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.”
Insurify Rankings
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:
Naperville, IL
Suspended Licenses Rank
Green Driving in Naperville, IL
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.
Naperville
% of Hybrids/Electrics 3%
FAQs - Naperville, IL Car Insurance
© 2013-2021 Insurify, Inc. All rights reserved. Ensurify Insurance Agency is a licensed insurance agency in 50 states.