Compare Naperville, IL Car Insurance Rates (2021)

Liberty Mutual offers the cheapest Naperville, IL car insurance but rates will vary by driver. Auto insurance in Naperville must meet the state minimum requirements of 25/50/20 in liability coverage and 25/50 in uninsured/underinsured motorist coverage. However, these limits are low and drivers are encouraged to consider adding additional car insurance coverage.

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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: Aug 13, 2021

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Here's what you need to know...

  • Liberty Mutual offers the cheapest Naperville, IL car insurance rates on average
  • Naperville is part of the larger Chicago area and shares high traffic volume with the city
  • Naperville car insurance is cheaper than average

Naperville, IL car insurance isn’t too expensive, especially considering how close it is to Chicago. In fact, rates are lower than the Ilinois car insurance average as well.

Even if rates are reasonable, you still want to find the most affordable Naperville, IL car insurance out there. Shop around and compare multiple companies to find cheap car insurance coverage.

Monthly Naperville, IL Car Insurance Rates by ZIP Code

Find more info about the monthly Naperville, IL car insurance rates by ZIP Code below:

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Naperville, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Naperville, Illinois against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare free Naperville, IL car insurance quotes today.

What is the cheapest car insurance company in Naperville, IL?

On average, the cheapest car insurance company in Naperville, IL is Liberty Mutual, although rates will vary for each driver.

The cheapest Naperville, IL auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Illinois auto insurance company rates?” We cover that as well.

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The top Naperville, IL car insurance companies listed from least to most expensive are:

  • Liberty Mutual – $2,291.08
  • USAA – $2,374.17
  • Nationwide – $2,432.52
  • State Farm – $2,467.78
  • Travelers – $2,478.71
  • GEICO – $3,075.83
  • American Family – $3,582.86
  • Progressive – $3,750.17
  • Farmers – $4,556.46
  • Allstate – $5,003.30

Many different factors affect your car insurance rates. Your age, driving record, and credit history can all play a part in how much you pay.

Where you live can also raise your rates. If you live in a large city with higher crime and traffic rates, you will pay more for your auto insurance. For example, Chicago car insurance rates are much higher than rates in Naperville, even though they are part of the same area.

Naperville, IL auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Naperville, IL auto insurance rates. Find the cheapest Naperville, Illinois auto insurance rates by coverage level below:

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Your credit score will play a major role in your Naperville, IL auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Naperville, Illinois auto insurance rates by credit score below.

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Your driving record will affect your Naperville auto insurance rates. For example, a Naperville, Illinois DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Naperville, Illinois auto insurance rates by driving record.

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Factors affecting auto insurance rates in Naperville, IL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Naperville, Illinois auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Naperville. Illinois does use gender, so check out the average monthly auto insurance rates by age and gender in Naperville, IL.

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What car insurance coverage is required in Naperville, IL?

Most states, including Illinois, required drivers to carry at least a minimum amount of car insurance.

Naperville drivers must carry:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $20,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

This required coverage will be exhausted quickly in the event of a serious accident. Drivers should consider increasing these limits to avoid paying out of pocket for damages and injuries.

Consider adding additional coverages as well. Collision insurance covers damages to your vehicle if you cause an accident. Comprehensive covers damages to your car that aren’t from an accident.

For example, damages from Naperville, IL weather, such as snow, hail, or falling tree limbs, would only be covered by comprehensive insurance.

Increasing your limits and adding coverages will help you avoid costly out-of-pocket expenses down the road.

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What affects car insurance rates in Naperville, IL?

It might surprise you to learn that traffic can increase your car insurance rates. High traffic volume means you are more likely to be in an accident.

Naperville is part of the Chicago area and sees an increase in traffic. INRIX doesn’t have data for Naperville, but it does rank Chicago, IL as the third most congested city in the U.S. and the seventh most congested city in the world.

In fact, City-Data reports that most Naperville drivers commute around 35 minutes, and a large number commute an hour or more.

Theft can also drive up your car insurance rates. According to the FBI, there were only 47 motor vehicle thefts in Naperville, IL in one year, but nearby Chicago had 11,578 during the same timeframe.

Naperville, IL Car Insurance: The Bottom Line

Naperville car insurance is cheaper than both the national and state averages. But, before you buy Naperville, IL car insurance, shop around for the best deal.

Compare multiple companies since each will offer you different rates. Enter your ZIP code now to compare Naperville, IL car insurance rates from multiple companies for free.

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

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Monthly Naperville, IL Car Insurance Rates by ZIP Code
Naperville, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Naperville, IL Car Insurance Rates by Company vs. City Average
Naperville, IL Car Insurance Rates by Company and Age
The Cheapest Naperville, IL Car Insurance Rates by Coverage Level
The Cheapest Naperville, IL Car Insurance Rates by Credit Score
The Cheapest Naperville, IL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Naperville, IL
Average Monthly Car Insurance Rates by Age & Gender in Naperville, IL
Monthly Naperville, IL Car Insurance Rates by ZIP Code
Naperville, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Naperville, IL Car Insurance Rates by Company vs. City Average
Naperville, IL Car Insurance Rates by Company and Age
The Cheapest Naperville, IL Car Insurance Rates by Coverage Level
The Cheapest Naperville, IL Car Insurance Rates by Credit Score
The Cheapest Naperville, IL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Naperville, IL
Average Monthly Car Insurance Rates by Age & Gender in Naperville, IL