Compare the Cheapest Car Insurance Quotes in Naperville

The average cost of car insurance in Naperville is $827 per year, lower than the Illinois and national averages. Mercury offers the cheapest car insurance in Naperville that is widely available. MoneyGeek analyzed the most affordable insurers in Naperville based on driving record and coverage limit. We also identified the best options that balance quality service with affordability.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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Mercury has the cheapest insurance in Naperville, though the cheapest option for you may vary depending on your background and the coverage you need.

Mercury also has the most affordable state minimum policies in Naperville, but when it comes to drivers with a speeding ticket, Erie is the cheapest option.

If you or someone in your family has a military background, USAA may be the best option for you.

MoneyGeek also rated insurers that balance cost with customer service and found that Mercury tops the list.

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The Cheapest and Best Car Insurance in Naperville

The Cheapest Car Insurance Companies in Naperville

The companies that offer the cheapest full coverage car insurance in Naperville are:

  • Mercury: $616 per year
  • GEICO: $644 per year

Mercury’s policies are 88.8% cheaper than those offered by AAA, which has the most expensive premiums in Naperville. In addition to liability insurance, full coverage car insurance includes comprehensive and collision coverage. Rates may vary depending on your coverage levels. Insurers may also offer varying rates.

Cheapest Car Insurance in Naperville
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Mercury
    $616
  • 2.
    GEICO
    $644
  • 3.
    Erie
    $695
  • 4.
    USAA
    $706
  • 5.
    State Farm
    $723
  • 6.
    Country Financial
    $746
  • 7.
    American Family
    $758
  • 8.
    Nationwide
    $768
  • 9.
    Allstate
    $851
  • 10.
    Travelers
    $894
  • 11.
    Progressive
    $908
  • 12.
    Farmers
    $951
  • 13.
    MetLife
    $1,041
  • 14.
    AAA
    $1,163

MoneyGeek gathered average rates for auto insurance in Naperville for a sample 40-year-old male driver with full coverage, per our methodology.

A full-coverage policy provides you with more protection but is usually more costly than state minimum insurance. Full coverage includes:

  • Collision Insurance: Pays for damage to your vehicle due to a collision with another vehicle or stationary object
  • Comprehensive Insurance: Pays for damage due to non-collision-related incidents such as vandalism or theft.

If you have an older vehicle, a full coverage policy may cost more than your car is worth to insure. In that case, you may want to opt for a liability-only or state minimum policy instead.

Compare Car Insurance Rates in Naperville

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Naperville for Minimum Coverage

The cheapest car insurance options in Naperville for state minimum policies are:

  • Mercury: $325 per year
  • GEICO: $334 per year

In Naperville, a minimum coverage policy is the most affordable option. However, since it does not include comprehensive and collision insurance and has low levels of liability coverage, you won’t have full protection.

Look at the table below to compare coverage levels and costs.

Cheapest Minimum Liability Car Insurance in Naperville
State Minimum

A state minimum policy may be the most budget-friendly choice in Naperville, but it offers the least protection. In Illinois, a minimum coverage policy has 25/50/20 liability limits. In addition to this, all Illinois drivers are also required to have uninsured/underinsured motorist coverage.

Lower coverage limits may leave you on the hook for damages after a crash. For example, if you are responsible for medical expenses of $85,000 for another driver, but your policy covers only $25,000 in bodily injury liability because you opted for the Illinois state minimum, you would have to pay the remaining $50,000 out of your pocket.

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.

Cheapest Car Insurance in Naperville if You Have Driving Violations

Prior violations such as a DUI, speeding ticket or an at-fault accident will affect your car insurance costs in Naperville. The following companies offer the most affordable insurance in Naperville after particular violations:

  • Cheapest after a ticket: Erie, $730 average per year
  • Cheapest after an at-fault accident: State Farm, $865 average per year
  • Cheapest after a DUI: State Farm, $794 average per year

You can lower your insurance costs in Naperville over time by improving your record. In the meantime, you can save by comparing quotes to find the cheapest rate after a violation.

Cheapest Car Insurance in Naperville With a Violation
Speeding Ticket

Average Cost of Car Insurance in Naperville

Naperville$827
Illinois$1,134
U.S.$1,424

The average cost of car insurance in the city of Naperville comes to $827, cheaper than state and national averages. Drivers in Naperville pay 27.1% less than other drivers in the state and 41.9% lower than the national average of $1,424. Researching and comparing rates can help you find the cheapest car insurance in Naperville.

Personalized Quotes to Get You the Cheapest Car Insurance in Naperville

When you ask for a personalized quote, the auto insurance company considers multiple factors such as your driving history, car’s age, make and model, your ZIP code and credit score. With a personalized car insurance quote in Naperville, you can compare rates to find the best deal for you.

Compare Car Insurance Rates in Naperville

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Naperville

MoneyGeek identified the insurers in Naperville that balance quality service with affordability. They are:

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

USAA scored highest in MoneyGeek’s internal rating system with 100. Their policies, however, are not widely available to the general public. Only veterans, military members and their families can purchase car insurance from USAA.

MoneyGeek evaluated multiple criteria to arrive at these final scores of 100, including user satisfaction, financial stability and affordability ratings from data analytics and consumer intelligence company J. D. Power.


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:87.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
Auto-Owners Insurance Co
Score:87.5

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
GEICO
Score:87.5

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Cincinnati Insurance Companies
Score:87.5

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:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:82.5

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:77.5

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:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Your ZIP code is one of the factors that can affect your insurance rates. People in areas with higher rates of car thefts and accidents will typically pay more for car insurance premiums.

Drivers living in the 60540 area of Naperville pay the lowest insurance rates at $810 per year on average. Those in the 60564 neighborhood pay about $37 more for car insurance every year. You can read more in MoneyGeek’s guide on the cheapest car insurance in Illinois.

  • Zip Code
    State Minimumper year
  • 60540
    $810
  • 60565
    $826
  • 60564
    $847

Factors That Impact Insurance Costs in Naperville

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 Naperville. How Naperville 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 Fatalities300th/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
umbrella icon
Most Rainy Days53rd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Naperville 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.

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.