Compare Naperville, IL Car Insurance Rates (2021)

Car insurance in Naperville, IL averages $267 a month. Naperville, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Naperville car insurance rates, compare quotes from the top car insurance companies in Naperville, IL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Naperville is Liberty Mutual
  • Average car insurance rates in Naperville, IL are $3,201/year
  • The cheapest car insurance company in Naperville for teen drivers is Nationwide

If you need to buy Naperville, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Naperville, IL is right here.

You’ll find Naperville car insurance rates, the cheapest Naperville, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Naperville, Illinois car insurance rates to Aurora car insurance rates, Joliet car insurance rates, and Springfield car insurance rates.

Ready to find affordable Naperville, IL car insurance today? Enter your ZIP code for fast, free Naperville car insurance quotes.

Cheapest Naperville, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Naperville, IL car insurance rates? Every Naperville, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Naperville, IL

Every driver must carry the minimum car insurance in Naperville, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car 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

Cheapest Naperville, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Naperville, IL. Compare credit history car insurance rates in Naperville from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Naperville, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Naperville, IL to rates for a clean record with top companies.

Annual Naperville, Illinois Car 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

Cheapest Naperville, IL Car Insurance for Teen Drivers

Teen car insurance in Naperville, IL can be expensive. Take a look at rates from the top car insurance companies in Naperville for teenagers.

Annual Car 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

Cheapest Naperville, IL Car Insurance for Seniors

Take a look at Naperville, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Naperville, IL Car Insurance Rates After a DUI

A DUI in Naperville, IL increases car insurance rates. Compare Naperville, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Naperville, Illinois

Insurance Company Annual Car 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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Cheapest Naperville, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Naperville, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

Cheapest Naperville, IL Car Insurance Rates by ZIP Code

Naperville car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Naperville, IL.

Annual Car 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

The Best Cheap Car Insurance Companies in Naperville, IL

Take a look at a side-by-side comparison of the top car insurance companies in Naperville, IL to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Naperville, Illinois

Find the cheapest car insurance companies in Naperville, IL for each category right here.

Best Annual Car 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

Cheapest Naperville, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Naperville car insurance rates. Find the cheapest Naperville, IL car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Naperville, Illinois?

What factors can have an impact on Naperville, IL car insurance? There are several reasons why Naperville car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Naperville, Illinois.

Commute Time in Naperville

The more time you spend in your car the higher the risk of an accident. The average commute length in Naperville, IL is 34.2 minutes according to City-Data.

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Compare Car Insurance Quotes in Naperville, IL

Ready to find affordable Naperville, Illinois car insurance today? Enter your ZIP code for fast, free Naperville, IL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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