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.
Compare the Cheapest Car Insurance Quotes in Aurora, IL
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
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.
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.
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:
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
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
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.
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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