Best Cheap Auto Insurance in Naperville, IL (2021)

On average, Naperville, IL auto insurance rates are $261/mo ($3,135/yr). The cheapest auto insurance company in Naperville, Illinois, is USAA. However, Naperville, IL auto insurance quotes vary for each person. Naperville car insurance must meet the minimum Illinois car insurance requirements with coverage levels of 25/50/25 for liability and 25/50 for uninsured motorist coverage.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • On average, Naperville, IL auto insurance is $261/mo ($3,135/year)
  • Liberty Mutual, USAA, and Nationwide are the cheapest companies in Naperville, IL
  • Your Naperville, IL auto insurance is affected by commute mileage

How much is auto insurance in Naperville, IL? Naperville, IL auto insurance rates are $3,135 per year, which is $170 cheaper than the Illinois auto insurance average and $797 more affordable than the national average.

Naperville, IL auto insurance quotes are expensive, but personal factors could lower your overall auto insurance cost.

Read through this short guide to learn how to secure cheap auto insurance in Naperville, IL, for every age, credit history, and driving record.

Monthly Naperville, IL Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Naperville, Illinois auto insurance rates by ZIP Code below:

View as image

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Naperville, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Naperville, Illinois stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

View as image

Are you ready to compare affordable Naperville, IL auto insurance quotes? Enter your ZIP code above to get started.

What is the cheapest Naperville, IL auto insurance company?

The cheapest auto insurance company in Naperville, based on average rates, is Liberty Mutual.

Which Naperville, IL car insurance company has the best rates? And how do those rates compare against the average Illinois car insurance company rates? We’ve got the answers below.

View as image

The best auto insurance companies in Naperville, IL, ranked from cheapest to most expensive are:

  • Liberty Mutual – $2,291
  • USAA – $2,374
  • Nationwide – $2,433
  • State Farm – $2,468
  • Travelers – $2,479
  • GEICO – $3,076
  • American Family – $3,583
  • Progressive – $3,750
  • Farmers – $4,556
  • Allstate – $5,003

Liberty Mutual, USAA, Nationwide, State Farm, Travelers, and GEICO are the only companies on the list with rates lower than the Naperville, IL average.

Naperville, IL car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

View as image

Your coverage level will play a major role in your Naperville car insurance rates. Find the cheapest Naperville, IL car insurance rates by coverage level below:

View as image

Your credit score will play a significant role in your Naperville car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Naperville, IL car insurance rates by credit score below.

View as image

Your driving record will play a major role in your Naperville car insurance rates. For example, other factors aside, a Naperville, IL DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Naperville, IL car insurance rates by driving record.

View as image

Factors affecting car insurance rates in Naperville, IL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Naperville, Illinois car insurance.

View as image

These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. IL does use gender, so check out the average monthly car insurance rates by age and gender in Naperville, IL.

View as image

What are the minimum auto insurance requirements in Naperville, IL?

All Naperville drivers have to meet the Illinois state law minimum requirements for car insurance.

In Illinois, you have to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $20,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

Illinois is an at-fault state. That means the at-fault driver must use their auto insurance to pay for bodily injury and property damage.

Anyone without auto insurance is subject to fines, license suspension, or even prison time.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

What factors affect Naperville, IL auto insurance rates?

There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

How does location affect Naperville, IL auto insurance?

For example, your specific ZIP code carries an average rate. The cheapest Naperville, IL car insurance rates are in the 60563 ZIP code, but the most expensive ZIP code is 60564 ($3,357/yr).

Let’s take it a step further. Check out annual rates compared to other cities.

Naperville is the cheapest city out of the four cities on the list, but other factors can lower your auto insurance rates. Let’s look at those factors now.

How does your driving record affect Naperville, IL auto insurance?

If you want to cut the cost of Naperville, IL car insurance quotes, maintain a clean driving record. The longer you keep a driving history without any infractions, the more you’ll save at any Naperville, IL car insurance company.

How does coverage level impact auto insurance in Naperville, IL?

Are you having doubts about your coverage level? You can raise your Naperville, IL car insurance coverage amount to ensure you get everything you need to avoid out-of-pocket costs.

Can credit history affect Naperville, IL auto insurance?

You can take your savings a step further by improving your credit. One of the best ways to secure affordable Naperville, IL auto insurance is through good credit.

How does commute mileage affect auto insurance in Naperville, IL?

Another significant factor is how often you drive. Some companies refer to it as commute mileage.

According to City-Data, the average commute time in Naperville is 32 minutes, which is seven minutes slower than the national average.

If you’re stuck in Naperville traffic, it may take longer to get home or work. According to Numbeo, it could take 165 minutes. More time on the road could mean higher rates for auto insurance.

This fact affects your commute mileage in your area, but you cancel out the increase through discounts or raise your deductible.

Can vehicle theft impact Naperville, IL auto insurance?

When auto insurance providers look at the area where you live, they also look at the vehicle theft rate in the area. Auto thefts ultimately affect your comprehensive insurance rates.

According to the Neighborhood Scout, a Naperville resident has a 1 in 279 chance of becoming a victim of a property crime, which is twice as low as the Illinois average.

Lower property crime rates could mean lower prices for comprehensive coverage.

Naperville, IL Auto Insurance: What’s the bottom line?

Naperville, IL auto insurance is one of the cheapest cities in the nation. When you compare the companies, you’ll pay less than the projected average.

So, keep shopping around until you find the rate that works for you.

Before you buy auto insurance in Naperville, IL, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free auto insurance quotes.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Monthly Naperville, IL Auto Insurance Rates by ZIP Code
Naperville, IL Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Monthly Naperville, IL Auto Insurance Rates by ZIP Code
Naperville, IL Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Naperville, IL Auto Insurance Rates by Company vs. City Average
Naperville, IL Auto Insurance Rates by Company and Age
The Cheapest Naperville, IL Auto Insurance Rates by Coverage Level
The Cheapest Naperville, IL Auto Insurance Rates by Credit Score
The Cheapest Naperville, IL Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Naperville, IL
Average Monthly Auto Insurance Rates by Age & Gender in Naperville, IL
Naperville, IL Auto Insurance Rates by Company vs. City Average
Naperville, IL Auto Insurance Rates by Company and Age
The Cheapest Naperville, IL Auto Insurance Rates by Coverage Level
The Cheapest Naperville, IL Auto Insurance Rates by Credit Score
The Cheapest Naperville, IL Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Naperville, IL
Average Monthly Auto Insurance Rates by Age & Gender in Naperville, IL
Monthly Naperville, IL Auto Insurance Rates by ZIP Code
Naperville, IL Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Naperville, IL Auto Insurance Rates by Company vs. City Average
Naperville, IL Auto Insurance Rates by Company and Age
The Cheapest Naperville, IL Auto Insurance Rates by Coverage Level
The Cheapest Naperville, IL Auto Insurance Rates by Credit Score
The Cheapest Naperville, IL Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Naperville, IL
Average Monthly Auto Insurance Rates by Age & Gender in Naperville, IL