Average car insurance cost in Naperville, IL

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The average car insurance cost in Naperville, Illinois is $1,429 per year, according to Insure.com data. This is $103 less than the average auto insurance cost in Illinois and $466 less than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Naperville, the average car insurance rates by age, gender and how much is car insurance in Naperville based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Naperville. Read on to learn more.

Cheap car insurance companies in Naperville

At an average of $939 per year with full coverage limits of 100/300/100, Auto Club Group – ACG (AAA) provides the most affordable car insurance in Naperville.

Ranked as the second most affordable company in Naperville, Travelers provides car insurance at $1,081 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Naperville that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Naperville, Illinois:

Read about the best car insurance companies.

Average car insurance cost in Naperville by coverage limits

The average car insurance rates in Naperville by coverage type are as follows:

• State minimum coverage: $474 per year (limits of 25/50/25)
• Liability-only coverage: $528 per year (limits of 50/100/50)
• Full coverage: $1,429 per year (limits of 100/300/100)
• Non-owners coverage: $311 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Naperville

The average car insurance per year for female drivers in Naperville, Illinois, is $1,432.

Whereas the yearly average car insurance rate for male drivers is $1,426, which is $6 less than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Naperville

In Naperville, car insurance rates are the highest for teens, at $4,741 per year or $395 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $2,379 per year for their car insurance which is $2,362 less than what the teens pay for their insurance policy.

The car insurance rates in Naperville for adult and senior drivers are $1,456 and $1,468 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Naperville

Examining the trends in car insurance rates in Naperville, Illinois, there was an downward trend from 2022 to 2023. Between 2022 and 2023, rates decrease overall by 6% or $86.

The table below illustrates the trend over the three years:

Conclusion

Car insurance rates in Naperville are lower than the average rates in Illinois. Drivers in Naperville can secure affordable car insurance by shopping around and utilizing available discounts. Additionally, many insurance companies offer bundling discounts for customers who purchase multiple policies from the same provider.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.