Cheapest Auto Insurance in Naperville, Illinois (2025)

Set on the banks of the DuPage River, Naperville is one of the most affluent suburbs in the Midwest. A low crime rate helps the city routinely land on “Best Places to Live” lists — and may help explain Naperville’s low auto insurance rates.1 The average rate for car insurance in Naperville is $115 per month. That’s slightly lower than the Illinois state average. 

Progressive, Auto-Owners, and State Farm offer the cheapest average car insurance in Naperville.

Here, you’ll find the information you need to secure the best car insurance for you at the lowest rate possible.

Cheapest car insurance companies in Naperville 

The best auto insurance company for you depends on your budget and specific situation. The best way to find this ideal insurer is to compare quotes from several companies.

The table below highlights some of the top car insurance companies in Naperville — and explains which company is best for different driver profiles.

Best insurer for cheap rates: Auto-Owners

Best insurer for low-mileage drivers: Mile Auto

Best insurer for young drivers: State Farm

How to get the cheapest car insurance in Naperville

While rates in Naperville are already below the state average, you can do some things to lower your costs even more, including:

• Raise your deductible. Choosing a higher deductible typically means you’ll pay lower monthly premiums. However, you’ll have to pay more money out of pocket in the event of a claim.

• Choose a safer car. Vehicles with strong safety records and advanced safety features are typically cheaper to insure, given the lower rate of serious accidents.

• Research available discounts. Look online, or ask your insurance agent about discounts you qualify for. Most insurers offer generous discounts to policyholders who bundle policies, maintain a safe driving record, and more.

• Shop around. Comparing quotes from three to five auto insurance companies makes it easier to find the best auto insurance policy.

Cheapest liability-only car insurance in Naperville: Progressive

In the event you cause an accident, liability-only insurance covers the other driver’s medical expenses and repair bills. However, it won’t cover your own damages.

Progressive offers the cheapest liability-only car insurance policies in Naperville, at just $47 per month, on average. Here are the other cheapest liability-only car insurance companies in Naperville.

Cheapest full-coverage car insurance in Naperville: Auto-Owners

Full-coverage car insurance includes liability insurance, collision insurance, and comprehensive insurance. Collision insurance and comprehensive insurance cover damage to your own vehicle in the event of a claim — making full coverage a smart choice for drivers of new or high-value cars that might be expensive to repair.

The average rate for full-coverage insurance in Naperville is $151 per month, and here you can see the rates offered by area insurers.

Car insurance requirements in Illinois

Illinois drivers must carry proof of insurance while on the road or risk paying a $500 fine.6 As an at-fault state, Illinois requires drivers who are at fault in an accident to cover medical expenses, repairs, and property damage for the victims of the accident.

Below, you can see the mandatory minimum insurance requirements in Illinois.

Drivers looking to exceed these minimum-coverage limits can purchase the following optional coverages:

Cheapest car insurance for drivers with an incident

People with incidents on their driving record typically pay higher car insurance rates. Incidents include speeding tickets, driving under the influence (DUI) citations, at-fault accidents, and more. Car insurance companies see you as riskier to insure if you have one of these on your record, and they charge you higher monthly premiums to offset this risk.

The amount your rates will rise in Naperville after an incident depends on the severity of the offense. For instance, an at-fault accident that results in expensive claims will often raise your rate more than a first-offense speeding ticket.

In the sections below, you’ll see how individual incident types can affect your insurance rates.

Cheapest car insurance for drivers with a speeding ticket: Progressive

Speeding is a contributing factor in roughly one-third of all motor vehicle fatalities.7 Car insurance companies see drivers with speeding tickets on their record as more likely to file claims in the future and raise rates accordingly.

In Naperville, drivers with a speeding ticket on their motor vehicle records face monthly average rates of $182 for full-coverage car insurance and $94 for liability only. 

Here, you can see how having a speeding ticket on your record can affect your liability insurance rates in Naperville.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Car insurance companies see you as a higher risk for future claims if you have an at-fault accident on your record. As such, you should expect your car insurance rates to increase — though by how much depends on the severity of the accident and the company you work with. 

The average cost of full coverage for drivers with at-fault accidents in Naperville is $199 per month, and liability-only coverage is $103.

In the table below, you can see how having an accident on your record affects the rates you’ll receive from different insurers.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Insurers see a DUI as one of the most serious driving offenses. After a DUI, drivers are legally required to purchase high-risk insurance. The Illinois Department of Motor Vehicles (DMV) estimates this high-risk insurance costs drivers an additional $2,000 per year. This coverage must be carried for three years.8

A DUI offense in Naperville pushes average monthly car insurance rates to $243 and $126 for full coverage and liability only, respectively. The following table highlights the cheapest car insurance companies in Naperville for drivers with a DUI on their record.

Cheapest car insurance for seniors: Auto-Owners

Age plays a large role in your average car insurance costs. Your rates will typically decrease around the age of 35 but go up again once you hit 70.

Older drivers are seen as riskier to insure because of their higher rate of visual and cognitive impairments and the increased likelihood they’ll suffer serious injury after an accident.

On average, senior drivers in Naperville pay $127 per month for full coverage and $65 for liability insurance. Here are the lowest average car insurance rates in Naperville for senior drivers.

Cheapest car insurance for teens: Auto-Owners

Teen drivers get in fatal crashes at a rate that’s three times higher than drivers age 20 and older.9 Because of this, car insurance companies charge them higher rates to offset these risks.

Fortunately, teens can lower their rates by purchasing a safe car, staying on their parents’ insurance policy, and qualifying for a good student discount. The average rate for car insurance for teens in Naperville is $243 per month.

Teen car insurance in Naperville costs an average of $319 per month for full coverage and $165 for liability only. The following companies offer the lowest rates to Naperville’s teen drivers.

Naperville car insurance quotes by credit tier

The state of Illinois allows car insurance companies to check your credit history when determining car insurance rates. Because of this, drivers with excellent or good credit scores have more affordable rates than drivers with poor credit scores.

Here, you can see the average monthly car insurance rates in Naperville based on credit tier.

Is car insurance more expensive in Naperville?

No. Naperville’s average auto insurance rate of $115 is significantly lower than the national average, which currently sits at $144 per month.

Illinois car insurance rates vary by ZIP code based on local property values, repair costs, and crime rates.

More cities in Illinois

A city’s traffic patterns and local property values affect car insurance costs — so cities even just a few miles apart can have fairly different average rates.