120+ more*Quotes generated for Insurify users in and around Naperville, Illinois within the last 10 days. Last updated on September 21, 2026. 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 September 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
Naperville drivers pay an average of $76 per month for liability insurance and $144 per month for full-coverage policies, according to Insurify data. Those rates are lower than the Illinois state averages, in part due to the city’s lower rates of crime and motor vehicle thefts.[1]
Plus, Naperville has a highly educated population, and some insurers consider education level when setting rates. Approximately 73% of adults in Naperville have a four-year degree, in comparison to just 38% in all of Illinois.[2]
In comparison to other cities in Illinois, Naperville residents pay much lower rates than drivers who live in Chicago. But it’s more expensive to insure a vehicle in Naperville than it is to insure a vehicle in Wheeling, a suburb about 40 miles away.
Naperville drivers must have coverage that meets the state’s minimum coverage requirements: $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, $25,000 in property damage liability, $25,000 in uninsured motorist insurance per person, and $50,000 in uninsured motorist insurance per accident.[3]
Naperville’s population is growing rapidly, and the number of collisions that occur in the city is also increasing. There were 3,260 traffic crashes in 2025, up from 2,791 the previous year.[4] This rise highlights the importance of maintaining at least liability insurance in Naperville.
The cheapest insurer for liability coverage in Naperville is Auto-Owners. Policyholders pay an average of $36 per month, a lower rate than the state average for liability insurance.
The table below shows the cheapest rates for liability-only coverage in Naperville.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $36 |
| State Farm | $40 |
| Certainly | $50 |
| Progressive | $53 |
| Country Financial | $55 |
| Direct Auto | $56 |
| The General | $57 |
| GEICO | $58 |
| Erie | $61 |
| First Chicago | $61 |
| USAA | $65 |
| GAINSCO | $68 |
| Safeco | $68 |
| American Family | $69 |
| Mercury | $69 |
| Bristol West | $71 |
| National General | $72 |
| Freedom National | $79 |
| Elephant | $82 |
| Clearcover | $84 |
| Dairyland | $85 |
| First Acceptance | $85 |
| Insurify Car | $85 |
| Travelers | $88 |
| Farmers | $95 |
| Root | $95 |
| Liberty Mutual | $97 |
| Allstate | $99 |
| Mendota | $99 |
| Hugo | $102 |
| State Auto | $125 |
Insurify Car makes it affordable and easy to get same-day liability coverage
The cheapest full-coverage insurance policies in Naperville are available through Auto-Owners, with an average monthly rate of $67.
Full-coverage policies with collision and comprehensive coverage are more expensive than liability-only policies, but they cover your car in an at-fault accident and other events. Naperville is prone to severe winter weather, and according to city data, Naperville sees 30–40 inches of snow per year.
If you’re driving on a snowy road and skid on ice, hitting a guardrail, collision insurance would help cover the cost of repairs. Otherwise, you’d be on the hook for the expense yourself.
The table below shows the cheapest full-coverage insurance companies in Naperville.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $67 |
| State Farm | $73 |
| Country Financial | $101 |
| Progressive | $101 |
| Safeco | $105 |
| Erie | $111 |
| GEICO | $111 |
| Direct Auto | $115 |
| USAA | $118 |
| Mercury | $119 |
| American Family | $127 |
| Elephant | $141 |
| National General | $142 |
| Certainly | $145 |
| The General | $149 |
| Root | $150 |
| First Chicago | $151 |
| Liberty Mutual | $156 |
| Bristol West | $163 |
| Clearcover | $163 |
| Travelers | $163 |
| Farmers | $173 |
| Freedom National | $173 |
| Allstate | $181 |
| GAINSCO | $181 |
| Mendota | $195 |
| First Acceptance | $208 |
| State Auto | $227 |
| Dairyland | $234 |
Naperville drivers usually pay less for coverage than drivers in more densely populated cities in Illinois, like Chicago. On average, Chicago drivers pay $164 per month for car insurance because of its higher population density than Naperville. And Chicago drivers tend to spend more time commuting to work than those who live in Naperville, per the U.S. Census Bureau.
In Illinois, the cheapest city for car insurance is Bloomington. Drivers in Bloomington pay an average of $99 per month for car insurance. Bloomington drivers have lower rates because the suburb has a smaller population and lower population density than Naperville.
Bloomington drivers have an average commute of just 17 minutes, nearly half the average commute time in Naperville, according to the U.S. Census Bureau.
The table below shows the average monthly car insurance rates for cities in Illinois.
City | Average Monthly Quote |
|---|---|
| Bloomington | $99 |
| Moline | $104 |
| Decatur | $105 |
| Champaign | $108 |
| Wheeling | $112 |
| Rockford | $114 |
| Peoria | $116 |
| Schaumburg | $116 |
| Crest Hill | $117 |
| Elgin | $117 |
| Aurora | $118 |
| Waukegan | $119 |
| Springfield | $120 |
| Des Plaines | $122 |
| Evanston | $123 |
| Joliet | $123 |
| Berwyn | $130 |
| Skokie | $134 |
| Belleville | $136 |
| Chicago Heights | $153 |
| Cicero | $154 |
| Chicago | $164 |
*Quotes generated for Insurify users in and around Naperville, Illinois within the last 10 days. Last updated on September 21, 2026. 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 September 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Naperville drivers have fewer tickets or driving under the influence (DUI) convictions on their records than the state average, according to Insurify data. Approximately 3% of Naperville drivers have tickets, and 0.3% have a DUI.
People who have driving infractions on their records pay higher rates for car insurance in Naperville than drivers with a clean record. Below are the cheapest companies for different driving records in Naperville.
Cheapest car insurance for Naperville drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Naperville: Auto-Owners
Cheapest car insurance for Naperville drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Naperville: Auto-Owners
Naperville ranks highly for its enforcement of traffic laws. The Alliance Against Intoxicated Motorists ranked Naperville fourth in the state based on its volume of DUI arrests in 2025. Speeding tickets, at-fault accidents, and DUIs can cause your rates to increase considerably.
Illinois is an at-fault state, so drivers who cause an accident are financially responsible for the damages or injuries they cause.[5]
The table below shows the average monthly car insurance rates for residents of Naperville based on their driving histories.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $110 |
| Speeding ticket | $143 |
| At-fault accident | $152 |
| DUI | $162 |
Naperville recently became the third-largest city in Illinois, beating out Joliet. The city is just 30 miles west of downtown Chicago, so many people live in Naperville and commute to the Windy City.
The most commonly used travel corridor is Interstate 88 (the Ronald Reagan Memorial Tollway). The drive from Naperville to Chicago can take as little as 45 minutes, but during rush hour the commute can be anywhere from 60 to 90 minutes.[6]
Downtown Naperville is home to many shops and eateries. The Riverwalk, the “Crown Jewel” of Naperville, is a 1.75-mile path that draws steady traffic year round.
Parking downtown can be challenging, particularly if you need to park overnight. The city prohibits parking on city streets between 2 a.m. and 5 a.m.[7]
Drivers should also be aware that weather can be a significant issue in Naperville. Snow can accumulate quickly, and slush and ice can increase the risk of accidents.
Naperville residents spend an average of 31 minutes commuting to work. The state average is 28 minutes, according to the U.S. Census Bureau.
Several construction projects are underway that may cause short-term disruptions, but may help ease congestion in the future. For example, the I-88 Project will reconstruct ramps, repair mainline bridges, and make repairs to local crossroads. The project will also install CCTV cameras, improve roadway lighting, and install new signage.[8]
Naperville’s police force partners with state and other local law enforcement agencies to enforce traffic safety initiatives, particularly regarding speeding, impaired driving, and seat belt use.
Liability quotes start at $36/mo.
Teens in Illinois can get a driving permit at the age of 15, but they must complete an approved driver education course.[9]
Teens are at a higher risk of accidents, so teens in Naperville pay higher rates for car insurance. The average liability premium for teen drivers in Naperville is $151 per month. But the cheapest insurer for Naperville teens is Auto-Owners, with an average premium of $75 per month for liability insurance.
The table below shows the cheapest car insurance quotes for teen drivers in Naperville.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $75 |
| State Farm | $80 |
| Country Financial | $91 |
| Certainly | $100 |
| Progressive | $105 |
| The General | $107 |
| GEICO | $110 |
| Direct Auto | $113 |
| Erie | $116 |
| First Chicago | $121 |
| USAA | $124 |
| GAINSCO | $124 |
| Mercury | $131 |
| Bristol West | $131 |
| American Family | $135 |
| Safeco | $144 |
| Clearcover | $144 |
| National General | $148 |
| Root | $151 |
| Dairyland | $154 |
| Elephant | $156 |
| Freedom National | $157 |
| First Acceptance | $169 |
| Insurify Car | $169 |
| Liberty Mutual | $177 |
| Travelers | $189 |
| Farmers | $196 |
| Allstate | $197 |
| Mendota | $197 |
| Hugo | $203 |
| State Auto | $307 |
Approximately 15% of Naperville’s population is 65 or older, according to U.S. Census Bureau data. The City of Naperville partners with AARP to host AARP Smart Driver classes for drivers who are 50 or older. Completing a class can help you drive safely and avoid accidents.
Naperville seniors pay low rates for coverage, with an average liability premium of $63 per month.
The table below shows the cheapest car insurance policies for senior drivers in Naperville.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $28 |
| State Farm | $31 |
| Certainly | $41 |
| Country Financial | $43 |
| Progressive | $44 |
| Direct Auto | $45 |
| GEICO | $45 |
| Erie | $46 |
| The General | $47 |
| First Chicago | $51 |
| USAA | $52 |
| Mercury | $53 |
| American Family | $54 |
| National General | $55 |
| GAINSCO | $57 |
| Bristol West | $58 |
| Safeco | $58 |
| Elephant | $65 |
| Freedom National | $65 |
| Travelers | $69 |
| First Acceptance | $70 |
| Insurify Car | $70 |
| Dairyland | $70 |
| Clearcover | $73 |
| Farmers | $74 |
| Liberty Mutual | $79 |
| Allstate | $82 |
| Mendota | $82 |
| Hugo | $85 |
| Root | $86 |
| State Auto | $92 |
The following information can help you find affordable car insurance in Naperville, Illinois.
On average, Naperville drivers pay $76 per month for liability-only insurance policies and $144 per month for full-coverage insurance policies. Naperville car insurance rates are lower than the average rates for Illinois.
The cheapest insurer for drivers in Naperville is Auto-Owners. Policyholders pay an average of $36 for liability-only policies.
To find the best quotes for car insurance in Naperville, request auto insurance quotes from several companies, ask about available discounts, and keep your credit healthy. In Illinois, insurance companies can use your credit-based insurance score as part of their underwriting processes, so good credit can help you secure a lower rate.[10]
Illinois requires all drivers to maintain car insurance, and policies must satisfy the following requirements: $25,000 in bodily injury liability insurance per person, $50,000 in bodily injury liability coverage per accident, $25,000 in property damage liability, $25,000 in uninsured motorist insurance per person, and $50,000 in uninsured motorist insurance per accident.
Yes. Illinois is an at-fault state, so drivers who cause an accident are financially responsible for the damages and injuries they cause.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
