Cheapest Auto Insurance in Aurora, Illinois (2025)
Progressive offers the cheapest car insurance in Aurora, with minimum-coverage policies as low as $47 per month.
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Located 41 miles west of Chicago and situated along the Fox River, Aurora has many affordable options for car insurance coverage. The city’s overall average car insurance cost is $115 per month, which is nearly the same as the state average cost of $116, but much lower than Chicago’s monthly overall average of $156.
This lower average cost may partially be due to the lower proportion of crashes in the city. In 2022, Aurora had 3,900 crashes, whereas Chicago had over 97,000, according to the Illinois Department of Transportation.1 2 Whether you commute to work, have a DUI on your record, or want liability-only coverage, here’s how to compare quotes and find the most affordable policy for your needs in the City of Lights.
Quick Facts
Aurora is the second-largest city in Illinois, with a population of more than 175,000.
Progressive, Auto-Owners, and State Farm are the cheapest insurers in Aurora.
Liability-only insurance in Aurora costs an average of $80 per month, and full coverage costs $150 per month.
3 of the cheapest car insurance companies in Aurora
Auto-Owners, State Farm, Mile Auto, Erie, and GEICO are some of the cheapest insurers to consider in Aurora. But the best option for you will depend on your situation and coverage needs.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Auto-Owners
Best insurer for commuters: Erie
Best insurer for drivers with a DUI: GEICO
How to get the cheapest car insurance in Aurora
Insurers consider age, coverage limits, driving record, location, type of vehicle, and other factors to determine your car insurance quote.4 Here are some effective strategies for getting the cheapest car insurance in Aurora:
Practice safe driving. Lower rates are easier to get when you maintain a clean driving record.
Raise your deductible. If you can afford to pay more when filing a claim, consider raising your deductible to qualify for lower premiums.
Bundle your policies. You can save serious cash when you bundle car insurance and home or renters insurance from the same insurer.
Look for discounts. Ask about available discounts to reduce your costs significantly.
Compare quotes regularly. Shop around for quotes from three or more different insurance companies at least once per year to find the most affordable option.
Cheapest liability-only car insurance in Aurora: Progressive
Liability-only car insurance is a type of coverage that fulfills the minimum insurance requirements set by Illinois state law. It doesn’t include any frills — just the basics. It won’t cover any damages or injuries to you or your vehicle if you’re in an accident; it only covers damage and injuries that you cause to other drivers and their passengers. Liability-only policies in Aurora cost $80 per month, on average.
Cheapest full-coverage car insurance in Aurora: Auto-Owners
If you have liability insurance, it covers the damages and injuries of others in an accident. Full coverage takes insurance to the next level. It includes liability, but you also get collision and comprehensive coverages to protect your car in an accident and against non-accident incidents like theft, vandalism, and natural disasters.
Full coverage is usually a good choice if you have a newer or more valuable vehicle. State law doesn’t require it, but your lender might require you to have it if you lease or finance your car. Drivers in Aurora pay an average of $150 per month for full-coverage insurance.
Car insurance requirements in Illinois
Car insurance coverage is mandatory for Illinois drivers. It’s also “at-fault” coverage, meaning the person who caused the accident is responsible for any injuries, property damage, or other losses. These are the minimum requirements you must have by law in Illinois:1
For more protection, the Illinois Department of Insurance (IDOI) suggests additional optional coverages:
Cheapest car insurance for drivers with an incident
Incidents refer to at-fault accidents, speeding tickets, DUIs, and other moving violations. Insurance companies view drivers with incidents as higher-risk, which leads to higher premiums. But finding affordable car insurance is possible, even if your driving history is spotty.
Cheapest car insurance for drivers with a speeding ticket: Progressive
A speeding ticket usually results in higher insurance premiums. Insurance companies view speeding tickets as an indication of risky driving behavior, which increases the likelihood of accidents. But not all insurance companies treat speeding tickets the same way. Some may offer more affordable rates than others.
The average cost of car insurance for drivers with a speeding ticket in Aurora is $181 per month for full coverage and $96 for liability only.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
After an at-fault accident, insurance companies may charge you higher premiums. The circumstances and severity of the accident can determine if insurers label you as a high-risk driver. Despite this setback, you still have options to find affordable car insurance.
In Aurora, the average cost of car insurance for drivers with an accident is $196 per month for full coverage and $105 for liability only.
Cheapest car insurance for drivers with a DUI: Auto-Owners
If you get a DUI, there’s no question — insurers will consider you a high-risk driver. Driving under the influence can lead to more accidents and the potential for repeat offenses, so expect a bigger car insurance bill when it comes time to renew. Aurora drivers pay an average of $242 per month for full coverage and $129 for liability only after a DUI conviction.
But you’re not doomed to high rates forever. Some companies specialize in coverage for high-risk drivers. Shopping around to compare quotes from different insurers can open the door to more competitive rates.
Cheapest car insurance for seniors: Auto-Owners
On average, car insurance rates tend to decrease around age 35 due to more driving experience and a generally lower-risk profile. However, insurance rates may increase again around age 70, according to the Insurance Institute for Highway Safety (IIHS).2
Seniors may want to consider a pay-per-mile policy. People older than 70 drive 43% less than drivers in their 30s, 40s, and 50s, according to the IIHS. Buying usage-based coverage can qualify you for some of the lowest rates as a senior driver in Aurora, Illinois.
The average cost of car insurance for senior drivers in Aurora is $126 per month for full coverage and $67 for liability only.
Cheapest car insurance for teens: Auto-Owners
If you have a teenage driver, you know they’re the most expensive age group to insure. Young drivers are more likely to make risky driving decisions, especially when one or more friends are in the car, according to the National Highway Traffic Safety Administration (NHTSA).3
Teen drivers in Aurora pay an average of $317 per month for full coverage and $169 for liability only.
One option to keep rates low is for teens to stay on their parents’ insurance policy. Choosing a car with good safety ratings and maintaining good grades to qualify for good student discounts can lower premiums even more.
Aurora car insurance quotes by credit tier
Aurora car insurance companies can use your credit history to set your premiums.5 Your credit-based insurance score isn’t the same as your regular credit score, but it can still influence your costs because it indicates how likely you are to file an insurance claim.
Generally, if you have excellent or good credit, you’ll qualify for better premiums than a driver with poor credit.
Is car insurance more expensive in Aurora?
On average, car insurance in Aurora, IL, costs around $115 per month. Residents of Aurora pay less than the national overall average cost of $143 per month. It’s important to note that insurance rates can fluctuate between cities and ZIP codes.
Some cities may have higher rates due to their population density, crime rates, and accident statistics. Chicago drivers, for instance, pay around 20% more for auto insurance than Aurora drivers do.
More cities in Illinois
Aurora’s rates are slightly lower than those of other cities in the Prairie State. On average, drivers in Peoria, Joliet, and Springfield pay rates that are close to Aurora’s. Here are more cities in Illinois where you can compare car insurance quotes to the average costs in Aurora.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Aurora car insurance FAQs
If you’re shopping for cheap car insurance in Aurora, Illinois, this additional information can help as you research your options. You can also check out Insurify’s guide on how to lower your car insurance premiums.
How much is car insurance in Aurora, Illinois?
Car insurance in Aurora, Illinois, costs $150 per month for full coverage and $80 per month for liability-only coverage, on average. You’ll pay more or less for car insurance based on your driving profile.
Which companies have the cheapest car insurance in Aurora?
Progressive has the cheapest car insurance in Wichita, with a monthly liability-only rate of $47. Other affordable insurers include Auto-Owners and State Farm, with liability rates of $47 and $51 per month, respectively. Remember that the cheapest car insurance company for you will depend on many factors, including your ZIP code, age, gender, credit history, driving record, and vehicle.
What are the best car insurance companies in Aurora?
One of the best car insurance companies in Aurora is GEICO. The company scored above average in the Central region in the 2022 J.D. Power U.S. Auto Insurance Study.6 It also has affordable rates, a high Insurify Quality (IQ) score of 9.2, and an A++ (Superior) financial strength rating from AM Best. Other top insurers in Aurora include State Farm and Erie Insurance.
What are the minimum car insurance requirements in Illinois?
Drivers in Illinois are required to carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $20,000 per accident in property damage liability, and $25,000 per person and $50,000 per accident in uninsured motorist coverage.
Is Illinois a no-fault state?
No. Illinois is an at-fault, or tort, state. This means that drivers are responsible for covering any damages or injuries they cause in a car accident.
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