Buy Cheap Aurora, IL Auto Insurance

The cheapest Aurora, IL auto insurance is offered by Liberty Mutual, but rates will vary for every driver. Aurora, IL auto insurance must meet the state coverage requirements of 20/40/15 plus uninsured and underinsured coverage. Compare online rates to find the cheapest Aurora, IL car insurance rates for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • The cheapest Aurora, IL auto insurance is offered by Liberty Mutual
  • Auto insurance rates in Aurora are partly determined by a large amount of traffic in the city heading to Chicago
  • Aurora auto insurance is well below the cost of auto insurance in Chicago

Aurora, IL auto insurance can be expensive but not nearly as expensive as Chicago. Aurora is close to the largest city in the state, Chicago, with the traffic to match, and high traffic volume can equal more accidents. This helps drive up the price of auto insurance.

Although the average Illinois auto insurance rates are lower than the national average, Aurora rates are higher than both.

Are you trying to find affordable auto insurance in Aurora, IL? Weather the storm of finding great rates by using our quote tool. Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Aurora, IL?

The cheapest auto insurance company in Aurora is Liberty Mutual, although rates will vary for each driver.

These are the top-rated Aurora, IL auto insurance companies ranked from least to most expensive by average yearly rate:

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

Factors that will affect your auto insurance rates include age, gender, marital status, ZIP code, driving record, and credit history.

Since each car insurance company will look at those factors differently, it’s important to shop around for the best rates for you.

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What auto insurance coverage is required in Aurora, IL?

Drivers in Aurora have to meet the state minimum requirements for auto insurance. The auto insurance coverages required in Illinois are:

  • $20,000 per person and $40,000 per incident for bodily injury liability
  • $15,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured motorist bodily injury coverage
  • $15,000 with a $250 deductible for uninsured motorist property damage coverage
  • $25,000 per person and $50,000 per incident for underinsured motorist

It’s important to note that the uninsured motorist property damage and underinsured motorist coverage can be rejected in writing if a driver chooses not to carry them.

What affects auto insurance rates in Aurora, IL?

Traffic and theft can also affect your auto insurance rates.

INRIX doesn’t rank Aurora, but it does rank Chicago, IL as the second most congested city in the country and the 10th most congested city in the world.

City-Data reports that most commute times in Aurora average around 31.7 minutes, and many drivers have a commute of more than 90 minutes if they work in Chicago.

Theft is also high in the area. The FBI shows that there were 176 vehicle thefts in Aurora.

Aurora, IL Auto Insurance: The Bottom Line

Although prices can be high, it is possible to find affordable Aurora, IL auto insurance if you know where to look.

Ready to buy Aurora, IL auto insurance? Compare auto insurance rates from companies near you for free by entering your ZIP code into our quote tool below.

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