Cheapest Auto Insurance in Aurora, Illinois (2024)
Auto-Owners offers the cheapest car insurance in Aurora, with minimum-coverage policies as low as $27 per month.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
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Updated November 21, 2024
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Table of contents
Located 41 miles west of Chicago and situated along the Fox River, Aurora has many affordable options for car insurance coverage. The city’s overall average car insurance cost is $117 per month, which is nearly the same as the state average cost of $128, but much lower than Chicago’s monthly overall average of $162.
This lower average cost may partially be due to the lower proportion of crashes in the city. In 2022, Aurora had 3,900 crashes, whereas Chicago had over 97,000, according to the Illinois Department of Transportation.[1] [2] Whether you commute to work, have a DUI on your record, or want liability-only coverage, here’s how to compare quotes and find the most affordable policy for your needs in the City of Lights.
Quick Facts
Aurora is the second-largest city in Illinois, with a population of more than 175,000.
Auto-Owners, State Farm, and GEICO are the cheapest insurers in Aurora.
Liability-only insurance in Aurora costs an average of $76 per month, and full coverage costs $157 per month.
3 of the cheapest car insurance companies in Aurora
Auto-Owners, State Farm, Mile Auto, Erie, and GEICO are some of the cheapest insurers to consider in Aurora. But the best option for you will depend on your situation and coverage needs.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $56 | $30 | Liability-only coverage |
| Erie | 9.0 | $92 | $50 | Commuters |
| GEICO | 9.0 | $80 | $43 | Drivers with a DUI |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $27/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $51/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners stands out as the cheapest option for liability-only coverage in Aurora. Low monthly premiums offer an affordable policy that meets the state’s minimum insurance requirements.
But you don’t have to skimp on quality — Auto-Owners has a good Insurify Quality Score. You’ll also find a lot of coverage options and discounts to customize your policy so you don’t pay for more than you need.
Pros
Many coverage options to personalize your policy
Generous discounts available to keep rates low
Only one complaint with the National Association of Insurance Commissioners (NAIC)
Cons
Only one Auto-Owners agent in Aurora
Must go through an agent to get a quote
Scored just below average in the North Central region by J.D. Power
Best insurer for commuters: Erie
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
4.1
Best choiceBased on 240 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (126)
Lana
November 10, 2024
Verified Review
Erie Insurance
The policy is difficult to understand. The rates are too high.
George
November 6, 2024
Verified Review
Good People
They handled my claim quickly.
Judie
November 4, 2024
Verified Review
Great Coverage
The coverage is excellent, but I am looking for a cheaper rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Erie offers customizable coverage and competitive prices. But you might not know it has generous benefits for commuters. Roadside assistance coverage is just $5 per month when you add it to a comprehensive or collision policy. The additional service can be a lifesaver if you get locked out, have a flat tire or dead battery, or run out of gas.
You can also go for the Roadside and Rentals Bundle to get back on the road quickly if your car needs repairs after an accident.
Pros
Highest-ranking auto insurer in the North Central region by J.D. Power
Commuters have many perks and coverage options
Avoid unexpected premium changes with Rate Lock feature
Cons
Only one Erie agency in Aurora
Must have collision or comprehensive to add roadside coverage
Roadside coverage is limited to cars listed on your policy
Best insurer for drivers with a DUI: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $74/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you have a DUI, GEICO can offer specialized coverage to meet the state’s SR-22 requirements. You might need an SR-22 certificate, also known as proof of financial responsibility insurance, as part of court supervision for a mandatory-insurance offense. GEICO offers SR-22 coverage to new and existing customers. The company files the certificate for you so you don’t have to worry about it.
Pros
Many coverage options to personalize your policy
GEICO files the SR-22 certificate for you
Discount of up to 5% for taking a defensive driving course
Cons
Filing fee applies for every SR-22 sent to the state
Doesn’t offer gap insurance
Defensive driver discount not available to drivers younger than 50
How to get the cheapest car insurance in Aurora
Insurers consider age, coverage limits, driving record, location, type of vehicle, and other factors to determine your car insurance quote.[3] Here are some effective strategies for getting the cheapest car insurance in Aurora:
Practice safe driving. Lower rates are easier to get when you maintain a clean driving record.
Raise your deductible. If you can afford to pay more when filing a claim, consider raising your deductible to qualify for lower premiums.
Bundle your policies. You can save serious cash when you bundle car insurance and home or renters insurance from the same insurer.
Look for discounts. Ask about available discounts to reduce your costs significantly.
Compare quotes regularly. Shop around for quotes from three or more different insurance companies at least once per year to find the most affordable option.
Cheapest liability-only car insurance in Aurora: Auto-Owners
Liability-only car insurance is a type of coverage that fulfills the minimum insurance requirements set by Illinois state law. It doesn’t include any frills — just the basics. It won’t cover any damages or injuries to you or your vehicle if you’re in an accident; it only covers damage and injuries that you cause to other drivers and their passengers. Liability-only policies in Aurora cost $76 per month, on average.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $27 |
| State Farm | $29 |
| GEICO | $39 |
| COUNTRY Financial | $41 |
| Progressive | $41 |
| Mile Auto | $42 |
| Erie | $45 |
| USAA | $48 |
| American Family | $52 |
| Mercury | $57 |
| Direct Auto | $60 |
| Nationwide | $61 |
| Clearcover | $65 |
| Travelers | $66 |
| Farmers | $70 |
| National General | $72 |
| Allstate | $74 |
| Safeco | $76 |
| GAINSCO | $86 |
| Elephant | $89 |
| Dairyland | $90 |
| The General | $90 |
| Bristol West | $91 |
| State Auto | $92 |
| Liberty Mutual | $127 |
| Foremost | $129 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Aurora: Auto-Owners
If you have liability insurance, it covers the damages and injuries of others in an accident. Full coverage takes insurance to the next level. It includes liability, but you also get collision and comprehensive coverages to protect your car in an accident and against non-accident incidents like theft, vandalism, and natural disasters.
Full coverage is usually a good choice if you have a newer or more valuable vehicle. State law doesn’t require it, but your lender might require you to have it if you lease or finance your car. Drivers in Aurora pay an average of $157 per month for full-coverage insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $51 |
| State Farm | $56 |
| Mile Auto | $66 |
| GEICO | $74 |
| COUNTRY Financial | $78 |
| Erie | $85 |
| USAA | $90 |
| American Family | $97 |
| Clearcover | $102 |
| Mercury | $107 |
| Progressive | $110 |
| Nationwide | $114 |
| Safeco | $122 |
| Travelers | $123 |
| Direct Auto | $132 |
| Farmers | $132 |
| Allstate | $138 |
| National General | $155 |
| Elephant | $158 |
| State Auto | $174 |
| GAINSCO | $218 |
| Dairyland | $223 |
| The General | $226 |
| Bristol West | $229 |
| Liberty Mutual | $237 |
| Foremost | $303 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Aurora, Illinois
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $45/mo for full coverage in Aurora and other Illinois cities.
*Quotes generated for Insurify users in and around Aurora, Illinois within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Aurora, Illinois within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Illinois
Car insurance coverage is mandatory for Illinois drivers. It’s also “at-fault” coverage, meaning the person who caused the accident is responsible for any injuries, property damage, or other losses. These are the minimum requirements you must have by law in Illinois:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Uninsured motorist coverage | $25,000 per person $50,000 per accident |
| Underinsured motorist coverage | Required only if you buy higher limits of UM coverage |
For more protection, the Illinois Department of Insurance (IDOI) suggests additional optional coverages:
Physical damage
This includes collision coverage and comprehensive coverage to pay for repairs or replacement if your car has damage after an accident.
Accidental death benefit
This offers financial support to your loved ones if you die due to a car accident.
Custom equipment
This covers modifications and accessories your car might have, such as an upgraded stereo system or custom rims.
Gap coverage
Gap insurance pays the difference between your car’s actual cash value and the amount you owe on your loan (or lease) if your car is a total loss.
Medical payments
Also called MedPay, medical payments insurance covers medical and funeral costs for you and your passengers, regardless of who’s at fault for the accident.
Rental reimbursement
This coverage pays back your rental car costs if you need to rent a car while yours is being repaired after a covered accident.
Towing
This is often part of a roadside assistance package that covers towing expenses if you break down or are in an accident.
Uninsured motorist property damage (UMPD)
This protects you if your vehicle is damaged in an accident caused by an uninsured driver.
Cheapest car insurance for drivers with an incident
Incidents refer to at-fault accidents, speeding tickets, DUIs, and other moving violations. Insurance companies view drivers with incidents as higher-risk, which leads to higher premiums. But finding affordable car insurance is possible, even if your driving history is spotty.
Find Car Insurance in Aurora, Illinois
Monthly rates start at $34 for drivers with an incident
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Based on 3,806+ reviews
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
A speeding ticket usually results in higher insurance premiums. Insurance companies view speeding tickets as an indication of risky driving behavior, which increases the likelihood of accidents. But not all insurance companies treat speeding tickets the same way. Some may offer more affordable rates than others.
The average cost of car insurance for drivers with a speeding ticket in Aurora is $219 per month for full coverage and $106 for liability only.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $27 | $35 |
| State Farm | $29 | $37 |
| GEICO | $39 | $51 |
| COUNTRY Financial | $41 | $55 |
| Progressive | $41 | $53 |
| Mile Auto | $42 | $55 |
| Erie | $45 | $60 |
| USAA | $48 | $62 |
| American Family | $52 | $68 |
| Mercury | $57 | $79 |
| Direct Auto | $60 | $78 |
| Nationwide | $61 | $80 |
| Clearcover | $65 | $85 |
| Travelers | $66 | $86 |
| Farmers | $70 | $90 |
| National General | $72 | $94 |
| Allstate | $74 | $96 |
| Safeco | $76 | $100 |
| GAINSCO | $86 | $120 |
| Elephant | $89 | $124 |
| Dairyland | $90 | $117 |
| The General | $90 | $119 |
| Bristol West | $91 | $119 |
| State Auto | $92 | $128 |
| Liberty Mutual | $127 | $177 |
| Foremost | $129 | $180 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
After an at-fault accident, insurance companies may charge you higher premiums. The circumstances and severity of the accident can determine if insurers label you as a high-risk driver. Despite this setback, you still have options to find affordable car insurance.
In Aurora, the average cost of car insurance for drivers with an accident is $241 per month for full coverage and $116 for liability only.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $27 | $38 |
| State Farm | $29 | $40 |
| GEICO | $39 | $55 |
| COUNTRY Financial | $41 | $60 |
| Progressive | $41 | $58 |
| Mile Auto | $42 | $60 |
| Erie | $45 | $64 |
| USAA | $48 | $67 |
| American Family | $52 | $73 |
| Mercury | $57 | $85 |
| Direct Auto | $60 | $86 |
| Nationwide | $61 | $86 |
| Clearcover | $65 | $98 |
| Travelers | $66 | $93 |
| Farmers | $70 | $98 |
| National General | $72 | $101 |
| Allstate | $74 | $104 |
| Safeco | $76 | $106 |
| GAINSCO | $86 | $116 |
| Elephant | $89 | $122 |
| Dairyland | $90 | $125 |
| The General | $90 | $128 |
| Bristol West | $91 | $127 |
| State Auto | $92 | $140 |
| Liberty Mutual | $127 | $189 |
| Foremost | $129 | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
If you get a DUI, there’s no question — insurers will consider you a high-risk driver. Driving under the influence can lead to more accidents and the potential for repeat offenses, so expect a bigger car insurance bill when it comes time to renew. Aurora drivers pay an average of $272 per month for full coverage and $132 for liability only after a DUI conviction.
But you’re not doomed to high rates forever. Some companies specialize in coverage for high-risk drivers. Shopping around to compare quotes from different insurers can open the door to more competitive rates.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $27 | $46 |
| State Farm | $29 | $49 |
| GEICO | $39 | $66 |
| COUNTRY Financial | $41 | $69 |
| Progressive | $41 | $69 |
| Mile Auto | $42 | $71 |
| Erie | $45 | $76 |
| USAA | $48 | $81 |
| American Family | $52 | $88 |
| Mercury | $57 | $89 |
| Direct Auto | $60 | $101 |
| Nationwide | $61 | $103 |
| Clearcover | $65 | $110 |
| Travelers | $66 | $112 |
| Farmers | $70 | $118 |
| National General | $72 | $122 |
| Allstate | $74 | $125 |
| Safeco | $76 | $119 |
| GAINSCO | $86 | $145 |
| Elephant | $89 | $150 |
| Dairyland | $90 | $152 |
| The General | $90 | $152 |
| Bristol West | $91 | $154 |
| State Auto | $92 | $156 |
| Liberty Mutual | $127 | $215 |
| Foremost | $129 | $218 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
On average, car insurance rates tend to decrease around age 35 due to more driving experience and a generally lower-risk profile. However, insurance rates may increase again around age 70, according to the Insurance Institute for Highway Safety (IIHS).[5]
Seniors may want to consider a pay-per-mile policy. People older than 70 drive 43% less than drivers in their 30s, 40s, and 50s, according to the IIHS. Buying usage-based coverage can qualify you for some of the lowest rates as a senior driver in Aurora, Illinois.
The average cost of car insurance for senior drivers in Aurora is $116 per month for full coverage and $56 for liability only.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $15 | $28 |
| State Farm | $15 | $30 |
| Progressive | $19 | $51 |
| COUNTRY Financial | $23 | $44 |
| GEICO | $23 | $43 |
| Mile Auto | $23 | $36 |
| Erie | $24 | $46 |
| American Family | $28 | $53 |
| USAA | $29 | $54 |
| Nationwide | $31 | $57 |
| Direct Auto | $34 | $75 |
| Mercury | $35 | $65 |
| Farmers | $38 | $73 |
| Travelers | $38 | $70 |
| National General | $40 | $87 |
| Allstate | $43 | $81 |
| Clearcover | $47 | $73 |
| State Auto | $47 | $89 |
| Safeco | $53 | $85 |
| Dairyland | $54 | $135 |
| Bristol West | $55 | $138 |
| The General | $56 | $141 |
| Elephant | $57 | $101 |
| GAINSCO | $60 | $153 |
| Foremost | $79 | $186 |
| Liberty Mutual | $81 | $151 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
If you have a teenage driver, you know they’re the most expensive age group to insure. Young drivers are more likely to make risky driving decisions, especially when one or more friends are in the car, according to the National Highway Traffic Safety Administration (NHTSA).[6]
Teen drivers in Aurora pay an average of $292 per month for full coverage and $141 for liability only.
One option to keep rates low is for teens to stay on their parents’ insurance policy. Choosing a car with good safety ratings and maintaining good grades to qualify for good student discounts can lower premiums even more.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $48 | $90 |
| State Farm | $52 | $101 |
| COUNTRY Financial | $62 | $118 |
| GEICO | $65 | $124 |
| Progressive | $75 | $202 |
| Erie | $79 | $149 |
| USAA | $84 | $158 |
| Mile Auto | $85 | $133 |
| American Family | $94 | $175 |
| Mercury | $105 | $198 |
| Nationwide | $111 | $208 |
| Direct Auto | $115 | $252 |
| Clearcover | $125 | $196 |
| Travelers | $125 | $233 |
| Farmers | $128 | $241 |
| Allstate | $138 | $257 |
| National General | $148 | $318 |
| The General | $150 | $377 |
| Elephant | $151 | $269 |
| Dairyland | $152 | $377 |
| Safeco | $153 | $245 |
| GAINSCO | $155 | $394 |
| Bristol West | $161 | $404 |
| State Auto | $171 | $323 |
| Liberty Mutual | $228 | $426 |
| Foremost | $240 | $563 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Aurora car insurance quotes by credit tier
Aurora car insurance companies can use your credit history to set your premiums.[7] Your credit-based insurance score isn’t the same as your regular credit score, but it can still influence your costs because it indicates how likely you are to file an insurance claim.
Generally, if you have excellent or good credit, you’ll qualify for better premiums than a driver with poor credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Aurora?
On average, car insurance in Aurora, IL, costs around $117 per month. Residents of Aurora pay less than the national overall average cost of $154 per month. It’s important to note that insurance rates can fluctuate between cities and ZIP codes.
Some cities may have higher rates due to their population density, crime rates, and accident statistics. Chicago drivers, for instance, pay around 20% more for auto insurance than Aurora drivers do.
More cities in Illinois
Aurora’s rates are slightly lower than those of other cities in the Prairie State. On average, drivers in Peoria, Joliet, and Springfield pay rates that are close to Aurora’s. Here are more cities in Illinois where you can compare car insurance quotes to the average costs in Aurora.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Berwyn | $85 | $187 |
| Chicago | $96 | $227 |
| Decatur | $70 | $141 |
| Joliet | $80 | $179 |
| Naperville | $76 | $153 |
| Peoria | $78 | $167 |
| Rockford | $72 | $158 |
| Springfield | $80 | $179 |
| Waukegan | $78 | $152 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Aurora car insurance FAQs
If you’re shopping for cheap car insurance in Aurora, Illinois, this additional information can help as you research your options. You can also check out Insurify’s guide on how to lower your car insurance premiums.
How much is car insurance in Aurora, Illinois?
Car insurance in Aurora, Illinois, costs $157 per month for full coverage and $76 per month for liability-only coverage, on average. You’ll pay more or less for car insurance based on your driving profile.
Which companies have the cheapest car insurance in Aurora?
Auto-Owners has the cheapest car insurance in Wichita, with a monthly liability-only rate of $27. Other affordable insurers include State Farm and GEICO, with liability rates of $29 and $39 per month, respectively. Remember that the cheapest car insurance company for you will depend on many factors, including your ZIP code, age, gender, credit history, driving record, and vehicle.
What are the best car insurance companies in Aurora?
One of the best car insurance companies in Aurora is GEICO. The company scored above average in the Central region in the 2022 J.D. Power U.S. Auto Insurance Study.[8] It also has affordable rates, a high Insurify Quality (IQ) score of 9.0, and an A++ (Superior) financial strength rating from AM Best. Other top insurers in Aurora include State Farm and Erie Insurance.
What are the minimum car insurance requirements in Illinois?
Drivers in Illinois are required to carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $20,000 per accident in property damage liability, and $25,000 per person and $50,000 per accident in uninsured motorist coverage.
Is Illinois a no-fault state?
No. Illinois is an at-fault, or tort, state. This means that drivers are responsible for covering any damages or injuries they cause in a car accident.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Illinois
Sources
- Illinois Department of Transportation. "City Summary Crash Report (Aurora)."
- Illinois Department of Transportation. "City Summary Crash Report (Chicago)."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Illinois Department of Insurance. "Auto Insurance Shopping Guide."
- Insurance Institute for Highway Safety. "Older drivers."
- National Highway Traffic Safety Administration. "Teen Driving."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
- J.D. Power. "2022 U.S. Auto Insurance Study."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
7+ years in content creation and management
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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