Cheap Auto Insurance Quotes in Naperville, IL (2021)

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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.

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.

Quotes by Top Carriers
Quotes ($/mo)
$87
$97
$103
$124
$146
State FarmNationwideTravelersProgressiveLiberty Mutual
Monthly $

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.

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.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$131
$139
$120
$111
$159
$124
IllinoisChicagoAuroraRockfordJolietNaperville
Monthly $

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Naperville, IL Driving Facts

illinois

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.

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.

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.

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.

Conclusion: 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.

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

honda
Honda Civic
Most Popular Car in
Naperville, IL
suspended licenses
#39
Cities with Most
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 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 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 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 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 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 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 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 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 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%

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.

Greenes Cities

Naperville

Greenes Cities
% of Hybrids / Electrics
3%

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.