On average your neighbors pay $67 a month.See Your Rates
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.
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.
|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.
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.
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.
These are the most common car makes and models owned by Naperville, IL drivers requesting quotes through QuoteWizard last year.
Naperville, Illinois has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:
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.
Weather and road conditions can affect Naperville insurance rates.
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.
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 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 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.
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.
DuPage County reported 2,912 arrests for suspicion of driving under the influence in 2014.
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.
Naperville experienced six fatal car accidents in 2014.
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.
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.
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