Buy Cheap Naperville, IL Auto Insurance (2022)

Naperville, IL auto insurance rates average $267 a month. Minimum auto insurance requirements in Naperville, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Naperville, IL, compare Naperville auto insurance quotes from top companies.

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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 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Naperville after a DUI is Allstate
  • Average auto insurance rates in Naperville, IL are $267/month
  • Average auto insurance rates in Naperville, IL for teens drivers are $6,300/year

Finding affordable Naperville, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Naperville, IL auto insurance with confidence is right here. Auto insurance rates in Naperville are affected by local factors as well as personal ones like your driving record.

See how Naperville, IL car insurance rates compare to Aurora auto insurance rates, Springfield auto insurance rates, and Joliet auto insurance rates before you read more about the cost of auto insurance in Naperville.

Don’t buy Naperville, IL auto insurance until you’ve compared rates. Get free Naperville, Illinois auto insurance quotes when you enter your ZIP code above.

Naperville, IL Minimum Auto Insurance Requirements

The required auto insurance in Naperville, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Naperville, Illinois is outlined here.

Minimum Required Auto Insurance Coverage in Naperville, 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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Find Cheap Naperville, IL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Naperville, IL. Take a look at Naperville, Illinois auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Naperville, Illinois

Insurance Company Poor Fair Good
Allstate $6,363 $4,610 $4,036
American Family $4,747 $3,248 $2,753
Farmers $5,158 $4,363 $4,149
GEICO $4,948 $2,407 $1,872
Liberty Mutual $3,228 $2,031 $1,614
Nationwide $2,891 $2,349 $2,057
Progressive $4,258 $3,629 $3,364
State Farm $3,590 $2,148 $1,665
Travelers $3,006 $2,450 $1,979
USAA $3,145 $2,177 $1,801

Buy Cheap Naperville, IL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Naperville, Illinois auto insurance rates? Find out how car insurance rates in Naperville, IL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Naperville, 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 $3,158 $3,172 $3,314 $3,314 $8,334 $10,829 $3,799 $4,107
American Family $2,203 $2,203 $2,025 $2,025 $6,376 $8,777 $2,203 $2,849
Farmers $2,369 $2,366 $2,092 $2,222 $10,703 $11,169 $2,711 $2,821
GEICO $1,779 $1,836 $1,743 $1,967 $6,470 $6,661 $2,040 $2,111
Liberty Mutual $1,361 $1,465 $1,129 $1,260 $4,834 $5,371 $1,420 $1,489
Nationwide $1,557 $1,577 $1,395 $1,468 $4,266 $5,430 $1,814 $1,953
Progressive $2,118 $1,980 $1,756 $1,841 $8,051 $9,012 $2,522 $2,720
State Farm $1,455 $1,455 $1,320 $1,320 $4,701 $5,930 $1,652 $1,910
Travelers $1,520 $1,600 $1,411 $1,500 $4,637 $5,868 $1,606 $1,688
USAA $1,410 $1,423 $1,317 $1,286 $4,631 $5,075 $1,845 $2,007

Buy Cheap Naperville, IL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Naperville can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Naperville, IL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Naperville, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,334 $10,829
American Family $6,376 $8,777
Farmers $10,703 $11,169
GEICO $6,470 $6,661
Liberty Mutual $4,834 $5,371
Nationwide $4,266 $5,430
Progressive $8,051 $9,012
State Farm $4,701 $5,930
Travelers $4,637 $5,868
USAA $4,631 $5,075

Buy Cheap Naperville, IL Auto Insurance for Seniors

You can save on senior auto insurance rates in Naperville, Illinois by comparing Naperville senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Naperville, IL here.

Annual Auto Insurance Rates for Senior Drivers in Naperville, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,314 $3,314
American Family $2,025 $2,025
Farmers $2,092 $2,222
GEICO $1,743 $1,967
Liberty Mutual $1,129 $1,260
Nationwide $1,395 $1,468
Progressive $1,756 $1,841
State Farm $1,320 $1,320
Travelers $1,411 $1,500
USAA $1,317 $1,286

Find Cheap Auto Insurance Rates in Naperville, IL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Naperville, Illinois auto insurance. Compare Naperville, IL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Naperville, Illinois

Insurance Company Low Medium High
Allstate $4,845 $4,998 $5,167
American Family $3,428 $3,715 $3,606
Farmers $4,313 $4,437 $4,919
GEICO $2,775 $3,074 $3,378
Liberty Mutual $2,161 $2,287 $2,425
Nationwide $2,399 $2,456 $2,442
Progressive $3,431 $3,734 $4,086
State Farm $2,316 $2,474 $2,613
Travelers $2,322 $2,476 $2,639
USAA $2,197 $2,372 $2,554

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Find Cheap Naperville, IL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Naperville. Compare auto insurance rates in Naperville, IL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Naperville, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,003 $5,003
American Family $3,538 $3,628
Farmers $4,556 $4,556
GEICO $3,025 $3,127
Liberty Mutual $2,291 $2,291
Nationwide $2,433 $2,433
Progressive $3,750 $3,750
State Farm $2,405 $2,530
Travelers $2,381 $2,576
USAA $2,308 $2,440

Find Cheap Naperville, IL Auto Insurance Rates by ZIP Code

Auto insurance rates in Naperville, Illinois can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Naperville, IL to see how much where you live in Naperville affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Naperville, Illinois

ZIP Code Average Annual Rates
60540 $3,158
60563 $3,135
60564 $3,357
60565 $3,219

Find Cheap Naperville, IL Auto Insurance Rates by Driving Record

Auto insurance rates in Naperville, Illinois are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Naperville, IL, take a look at the average cost for various violations versus rates for a clean driving record in Naperville.

Annual Naperville, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,524 $6,110 $5,691 $4,688
American Family $2,632 $3,746 $4,969 $2,984
Farmers $3,841 $4,972 $4,848 $4,565
GEICO $2,056 $3,376 $4,455 $2,416
Liberty Mutual $1,902 $2,721 $2,379 $2,162
Nationwide $1,978 $2,533 $2,961 $2,258
Progressive $3,080 $4,617 $3,417 $3,888
State Farm $2,235 $2,700 $2,468 $2,468
Travelers $1,970 $2,594 $2,884 $2,468
USAA $1,690 $2,441 $3,327 $2,039

Find Cheap Naperville, IL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Naperville, Illinois is higher than for a clean driving record. You can buy auto insurance after a DUI in Naperville for less when you shop around and compare rates from multiple Naperville, IL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Naperville, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,691
American Family $4,969
Farmers $4,848
GEICO $4,455
Liberty Mutual $2,379
Nationwide $2,961
Progressive $3,417
State Farm $2,468
Travelers $2,884
USAA $3,327

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Winners by Category: Where to Buy Cheap Auto Insurance in Naperville, IL

Compare rates from the cheapest auto insurance companies in Naperville, IL for your needs. Take a look at how Naperville, Illinois auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Naperville, Illinois

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

Find Cheap Naperville, Illinois Auto Insurance Companies

If you’re looking for the cheapest Naperville, IL auto insurance companies overall, you can compare them here. Find the best price for Naperville, Illinois car insurance by company.

Average Annual Auto Insurance Rates by Company in Naperville, Illinois

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

What affects Naperville, Illinois auto insurance rates?

Local factors affect auto insurance rates in Naperville, IL, including traffic, theft statistics, and commute length. Take a look at the things that impact Naperville auto insurance rates.

Commute Times in Naperville

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Naperville, IL is 34.2 minutes according to City-Data.

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Compare Auto Insurance Quotes in Naperville, IL

You can buy cheap Naperville, IL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Naperville, Illinois auto insurance quotes from top companies.

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