Compare the Cheapest Car Insurance Quotes in Aurora, IL

Aurora’s average cost of car insurance is $837 per year, $297 less than the state average. The company with the lowest rates is Mercury, at $627 per year on average. MoneyGeek ranked the cheapest providers in Aurora by coverage amount and driving history to help drivers find a plan that balances low costs and quality service.

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The Cheapest and Best Car Insurance in Aurora

The Cheapest Car Insurance Companies in Aurora

According to MoneyGeek’s study, the cheapest insurance carriers in Aurora for a full coverage policy are:

  • Mercury: $627 per year
  • GEICO: $647 per year

The prices used by MoneyGeek are for a sample 40-year-old male driver with full coverage car insurance. The policy offers liability coverage as well as comprehensive and collision coverage.

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Average Cost of Car Insurance in Aurora

Aurora$837
Illinois$1,134
U.S.$1,424

On average, car insurance in Aurora costs about $837 a year. Drivers in Aurora typically pay 26.2% less than the state average and 41.2% less than the national average.

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The Best Car Insurance Companies in Aurora

MoneyGeek utilized factors such as J.D. Power’s affordability, user satisfaction and financial stability ratings to rank the best car insurance companies in Aurora. According to the scores, the best insurers in the city for most drivers are:

  • Erie: MoneyGeek score of 95 out of 100
  • Hartford: MoneyGeek score of 88 out of 100

USAA received the highest score in Aurora by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

If you wish to purchase affordable and quality car insurance coverage, using MoneyGeek’s recommendations can help you find the best providers in the city.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Erie
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
Hartford
Score:88

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
Auto-Owners Insurance Co
Score:88

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
GEICO
Score:88

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Cincinnati Insurance Companies
Score:88

3/5

Affordability

5/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

8
State Farm
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

9
Nationwide
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Progressive
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Allstate
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

15
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

16
MetLife
Score:80

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

17
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

18
Hanover
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

19
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

20
AAA
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

21
Safeco
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Aurora

Car insurance firms in Aurora compute annual premiums by analyzing individual factors, such as age, credit score, marital status, gender, driving history, ZIP code and car make and model. You should get personalized quotes regularly to check if you are eligible for discounts.

For example, a 40-year-old male with a Mercury policy in Aurora pays an average annual rate of $627. This average yearly premium could change as he gets older and his circumstances change. The ideal way to get accurate rates is to compare car insurance quotes regularly.

Shopping around for car insurance in Aurora could save you $210, which is enough to buy:


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70Cups of Coffee
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16Months of Your Favorite Streaming Service

Cheapest Car Insurance in Aurora by Coverage Amount

In Aurora and other cities, the cost of your car insurance is determined by the amount of coverage you choose. A liability-only policy costs an average of $458 per year, whereas full coverage car insurance costs around $837 per year. That is a difference of roughly $379.

Illinois Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.

Car insurance carriers typically offer multiple coverage levels. For cheap car insurance coverage in Aurora, you can opt for a state minimum liability package, which costs an annual average of $313 from Mercury. For more comprehensive coverage, you can go for a 50/100/50 policy, which permits you to claim $50,000 for medical expenses per individual, with a restriction of $100,000 per vehicle and $50,000 for property damage.

A full-coverage package also covers your expenses if you are at fault in an accident, instead of only paying for the other driver’s costs. Mercury’s 50/100/50 full-coverage plan costs an average of $586 per year, which is $240 more than a 50/100/50 liability-only policy. The extra cost can be worth paying given the additional benefits offered by the full-coverage package.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Aurora if You Have Driving Violations

To get affordable car insurance in Aurora, you should keep your driving record clean. At-fault accidents, DUIs and speeding tickets will increase your premium. In Aurora, a driver without any violations can get an average yearly rate of $752 from State Farm. A speeding ticket can raise this average annual price by $72. If you get involved in an at-fault accident, your average yearly premium will increase by roughly $143 to a total of $895.

Average Cost of Car Insurance by Postal Code

Your residential neighborhood also has a role in the calculation of your car insurance premium in Illinois. Areas with more thefts, uninsured motorists and accidents are typically costlier. In Aurora, the 60506 neighborhood is a bit cheaper for auto insurance as it costs $29 less than the $852 average annual rate in the 60505 ZIP code.

  • Zip Code
    State Minimumper year
  • 60506
    $823
  • 60505
    $852

Factors That Impact Insurance Costs in Aurora

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Aurora. How Aurora ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities231st/300
handcuffs2 icon
Most Car Thefts101st/300
uninsured icon
Most Uninsured Motorists by State18th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall131st/300
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Most Rainy Days53rd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Aurora are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.