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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 | |
|---|---|
 State Farm | $87/mo |
 Nationwide | $97/mo |
 Travelers | $103/mo |
 Progressive | $124/mo |
 Liberty Mutual | $146/mo |
| Best Companies | ||
|---|---|---|
 Clearcover | $107/mo | |
Nationwide | $137/mo | |
 American Family | $142/mo | |
Liberty Mutual | $141/mo | |
 Mercury | $145/mo |
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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 | |
|---|---|
| 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 |
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 | |
|---|---|
| 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
