Best Cheap Auto Insurance in Aurora, IL (2021)

The average Aurora, IL auto insurance rates are $274 per month. The minimum auto insurance in Aurora is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Aurora, Illinois, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • The cheapest auto insurance company in Aurora is Liberty Mutual
  • The average commute length in Aurora is 30.5 minutes
  • The minimum auto insurance required in Aurora, Illinois is 25/50/20

Aurora, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Aurora can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Aurora, Illinois, including driving record, credit, commute time, and more.

Compare auto insurance in Aurora to other Illinois cities, including Aurora auto insurance rates, Elgin auto insurance rates, and Waukegan auto insurance rates to see how Aurora, Illinois auto insurance rates stack up.

Before you buy Aurora, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Aurora, Illinois auto insurance quotes.

Minimum Auto Insurance in Aurora, Illinois

Aurora, Illinois auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Aurora, Illinois.

Minimum Required Auto Insurance Coverage in Aurora, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Aurora, Illinois Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Aurora, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Aurora, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,246 $3,260 $3,405 $3,405 $8,560 $11,121 $3,904 $4,221
American Family $2,239 $2,239 $2,058 $2,058 $6,482 $8,923 $2,239 $2,896
Farmers $2,486 $2,483 $2,197 $2,334 $11,181 $11,660 $2,842 $2,956
GEICO $1,747 $1,800 $1,711 $1,926 $6,267 $6,471 $1,992 $2,066
Liberty Mutual $1,398 $1,505 $1,161 $1,297 $4,913 $5,460 $1,457 $1,528
Nationwide $1,684 $1,705 $1,507 $1,586 $4,648 $5,922 $1,965 $2,118
Progressive $2,110 $1,973 $1,747 $1,835 $7,995 $8,953 $2,507 $2,703
State Farm $1,554 $1,554 $1,409 $1,409 $5,003 $6,310 $1,764 $2,039
Travelers $1,557 $1,639 $1,443 $1,534 $4,737 $5,994 $1,645 $1,730
USAA $1,472 $1,485 $1,373 $1,339 $4,850 $5,318 $1,928 $2,097

Cheap Aurora, Illinois Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Aurora, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Aurora, Illinois.

Annual Auto Insurance Rates for Teen Drivers in Aurora, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,560 $11,121
American Family $6,482 $8,923
Farmers $11,181 $11,660
GEICO $6,267 $6,471
Liberty Mutual $4,913 $5,460
Nationwide $4,648 $5,922
Progressive $7,995 $8,953
State Farm $5,003 $6,310
Travelers $4,737 $5,994
USAA $4,850 $5,318

Cheap Aurora, Illinois Auto Insurance for Seniors

What are senior auto insurance rates in Aurora, Illinois? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Aurora, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,405 $3,405
American Family $2,058 $2,058
Farmers $2,197 $2,334
GEICO $1,711 $1,926
Liberty Mutual $1,161 $1,297
Nationwide $1,507 $1,586
Progressive $1,747 $1,835
State Farm $1,409 $1,409
Travelers $1,443 $1,534
USAA $1,373 $1,339

Cheap Aurora, Illinois Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Aurora, Illinois compared to the annual auto insurance rates with a clean record in Aurora, Illinois.

Annual Aurora, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,623 $6,276 $5,846 $4,816
American Family $2,676 $3,806 $5,052 $3,034
Farmers $4,019 $5,202 $5,072 $4,777
GEICO $2,013 $3,272 $4,340 $2,366
Liberty Mutual $1,942 $2,778 $2,430 $2,209
Nationwide $2,144 $2,752 $3,221 $2,451
Progressive $3,061 $4,586 $3,398 $3,865
State Farm $2,383 $2,877 $2,630 $2,630
Travelers $2,013 $2,650 $2,952 $2,524
USAA $1,766 $2,552 $3,482 $2,132

Cheap Aurora, Illinois Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Aurora, Illinois is not easy. Compare the annual rates for DUI auto insurance in Aurora, Illinois to find the best deal.

Annual Auto Insurance Rates After a DUI in Aurora, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,846
American Family $5,052
Farmers $5,072
GEICO $4,340
Liberty Mutual $2,430
Nationwide $3,221
Progressive $3,398
State Farm $2,630
Travelers $2,952
USAA $3,482

Cheap Aurora, Illinois Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Aurora, Illinois annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Aurora, Illinois

Insurance Company Poor Fair Good
Allstate $6,538 $4,736 $4,146
American Family $4,825 $3,302 $2,798
Farmers $5,400 $4,563 $4,339
GEICO $4,820 $2,347 $1,826
Liberty Mutual $3,301 $2,073 $1,646
Nationwide $3,143 $2,551 $2,232
Progressive $4,235 $3,608 $3,341
State Farm $3,825 $2,290 $1,776
Travelers $3,077 $2,504 $2,024
USAA $3,292 $2,275 $1,881

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Cheap Aurora, Illinois Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Aurora, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Aurora, Illinois to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Aurora, Illinois

ZIP Code Average Annual Rates
60502 $3,177
60503 $3,223
60504 $3,181
60505 $3,384
60506 $3,238

Cheap Aurora, Illinois Auto Insurance Rates By Commute

Commute length and annual mileage affect Aurora, Illinois auto insurance. Find the cheapest annual Aurora, Illinois auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Aurora, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,140 $5,140
American Family $3,596 $3,688
Farmers $4,767 $4,767
GEICO $2,946 $3,049
Liberty Mutual $2,340 $2,340
Nationwide $2,642 $2,642
Progressive $3,728 $3,728
State Farm $2,564 $2,697
Travelers $2,435 $2,634
USAA $2,413 $2,552

Cheap Aurora, Illinois Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Aurora, Illinois? Check out the comparison of annual Aurora, Illinois auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Aurora, Illinois

Insurance Company Low Medium High
Allstate $4,978 $5,135 $5,307
American Family $3,484 $3,776 $3,665
Farmers $4,513 $4,643 $5,146
GEICO $2,702 $2,991 $3,299
Liberty Mutual $2,203 $2,335 $2,481
Nationwide $2,603 $2,669 $2,654
Progressive $3,384 $3,711 $4,088
State Farm $2,467 $2,636 $2,788
Travelers $2,371 $2,531 $2,702
USAA $2,304 $2,481 $2,664

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Best By Category: Cheapest Auto Insurance in Aurora, Illinois

Compare the cheapest auto insurance companies in Aurora, Illinois in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Aurora, Illinois

Category Insurance Company
Teenagers USAA
Seniors Liberty Mutual
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

The Cheapest Aurora, Illinois Auto Insurance Companies

What auto insurance companies in Aurora, Illinois are the cheapest? Compare the top Aurora, Illinois auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Aurora, Illinois

Insurance Company Average Annual Rates
Allstate $5,140
American Family $3,642
Farmers $4,767
GEICO $2,997
Liberty Mutual $2,340
Nationwide $2,642
Progressive $3,728
State Farm $2,630
Travelers $2,535
USAA $2,483

What affects auto insurance rates in Aurora, Illinois?

There are a lot of reasons why auto insurance rates in Aurora, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Aurora, Illinois. Many local factors may affect your Aurora auto insurance rates.

Aurora Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Aurora, Illinois commute length is 30.5 minutes according to City-Data.

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Compare Aurora, Illinois Auto Insurance Quotes

Before you buy Aurora, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Aurora, Illinois auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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