Best Auto insurance Rates in Naperville, Illinois

On average your neighbors pay $67 a month.

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Naperville, Illinois, conveniently located less than 30 miles outside of Chicago, is one of the best cities to live in America. Also known for its outstanding public library system, this city is the perfect piece place to raise a family or retire. With all Naperville has to offer residents, affordable car insurance rates should be one of them.

Average Naperville Car Insurance Rates

How much is car insurance in Naperville, IL? Drivers here will tell you, rates are expensive. For many, they can be higher than both the state and national averages. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

Prices will vary depending on your driving record and the number of claims filed in your zip code.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois' average insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Naperville, Illinois and save up to 40% on your premium.

Last year, 1,916 people used QuoteWizard to compare car insurance quotes in Naperville, IL from multiple companies.

Best Car Insurance Companies in Naperville, IL

This is our list of the most common car insurance companies reported by 1,916 Naperville, Illinois QuoteWizard users last year. Of these users, 43 did not have insurance when they asked for a quote.

Top 10 Vehicles in Naperville

These are the most common car makes and models owned by Naperville, IL drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord LX/EX
  2. Toyota Camry LE/XLE/SE
  3. Honda CR-V LX/EX
  4. Toyota Prius
  5. Hyundai Sonata GLS
  6. Honda Odyssey EX
  7. Toyota Corolla CE/LE/S
  8. Chevrolet Impala LS
  9. Chevrolet Malibu LS
  10. Honda Civic DX/EX
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Minimum Car Insurance Requirements in Naperville, IL

Naperville, Illinois has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most insurance companies will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Naperville Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Naperville ranked 65th out of the 200 cities in the report. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 9.3 years.

Naperville drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Weather and road conditions can affect Naperville insurance rates.

Weather

Like most of Illinois, Naperville experiences hot summers and cold, sometimes severe winters, with no dry season. On average, Naperville can expect 189 sunny days each year and around 109 days with no measurable precipitation, and receives around 37 inches of rainfall annually. Snow is also a big factor in Naperville. The city receives around 33 inches annually. Severe winter weather can cause many problems on the roads, which is reflected in local insurance rates.  

Road Conditions

According to Tripnet.org, 27% of the major roads in Illinois are in poor condition, 40% are mediocre. The poor condition of roads costs Illinois drivers $4.4 billion or $540 per motorist in extra vehicle operating costs. These costs are a direct result of driving on rough roads that can damage cars and contribute to accidents.

Traffic Congestion

Traffic congestion is a serious problem in Naperville. In 2014, residents were surveyed about quality of life in Naperville and only 40% of residents were satisfied with traffic flow. Traffic congestion can be both the cause of, and caused by, traffic accidents and thus influence car insurance rates.

Moving Violations

Moving violations like speeding tickets, at-fault accidents, and drunk driving will add points to your driver's license and give you a bad driving record. If this happens, you'll need to get auto insurance for bad drivers, also known as high risk insurance.

Traffic Tickets

The DuPage County Clerk of the Circuit Courts website allows residents to pay traffic tickets and has important traffic court information.

Naperville Police wrote 5,027 warning tickets in 2014.

Drunk Driving Arrests

DuPage County reported 2,912 arrests for suspicion of driving under the influence in 2014.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Naperville DUI insurance.

Fatal Car Accidents

Naperville experienced six fatal car accidents in 2014.

Vehicle Theft Rates

Naperville reported were only 33 motor vehicle thefts in 2016. This is a rate of .22 per 1,000 residents. If this seems low, that's because it is. The national average a significantly higher 2.20 thefts per 1,000 people.

Car Insurance Discounts in Naperville

Discounts are one of the best ways to lower your insurance rates. Below are some of the auto insurance discounts available to drivers in Naperville, IL depending on your carrier.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  2. Are you married or getting married soon? Some insurers offer a discount to married couples
  3. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  5. Maintain at least a B grade point average in school to qualify for the good student discount
  6. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  7. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  8. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  9. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  10. Shop around and compare low-cost Naperville car insurance quotes

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