Compare Rates and Save on Auto Insurance

widget-location-pin

The cheapest auto insurer in Naperville varies depending on your profile and needs. Mercury is the cheapest for minimum coverage. Country Financial is the cheapest for military drivers and for full coverage. Progressive is the cheapest for female teens, while Auto-Owners Insurance Co is the cheapest for male teens and drivers with a speeding offense. American Family is the cheapest for DUIs or accidents. For excellent customer service, Erie is the best option.

MoneyGeek Logo IconCheapest + BestCar InsuranceNaperville
2023

Cheapest and Best Car Insurance in Naperville, IL

Cheapest Minimum Liability Car Insurance in Naperville

The cheapest auto insurance companies in Naperville for a minimum coverage policy are:

  • Mercury: approximately $275 per year
  • Country Financial: approximately $290 per year

Grange Insurance is the most expensive provider for minimum coverage at roughly $506 per year.

Mercury also offers the cheapest car insurance in Illinois at around $244 per year for minimum coverage. This price difference demonstrates how location can impact costs.

Company
Annual Premium
Monthly Premium

Mercury

$275

$23

Mercury

$276

$23

Country Financial

$290

$24

Country Financial

$290

$24

Westfield

$308

$26

Auto-Owners Insurance Co

$318

$26

Auto-Owners Insurance Co

$330

$28

Westfield

$337

$28

State Farm

$345

$29

Westfield

$358

$30

State Farm

$365

$30

Erie

$368

$31

Erie

$372

$31

AAA

$386

$32

Mercury

$393

$33

Country Financial

$398

$33

Hanover

$399

$33

Auto-Owners Insurance Co

$406

$34

Hanover

$406

$34

American Family

$408

$34

American Family

$410

$34

AAA

$413

$34

State Farm

$442

$37

GEICO

$444

$37

American Family

$445

$37

GEICO

$448

$37

Progressive

$464

$39

Erie

$475

$40

Allstate

$484

$40

Progressive

$492

$41

Allstate

$493

$41

Travelers

$496

$41

AAA

$506

$42

Grange Insurance

$506

$42

Progressive

$520

$43

Hanover

$520

$43

GEICO

$520

$43

Travelers

$526

$44

Grange Insurance

$543

$45

Travelers

$556

$46

Country Financial

$595

$50

Allstate

$615

$51

Country Financial

$624

$52

Auto-Owners Insurance Co

$636

$53

Grange Insurance

$643

$54

Auto-Owners Insurance Co

$646

$54

American Family

$650

$54

American Family

$660

$55

State Farm

$712

$59

American Family

$714

$59

Mercury

$735

$61

Erie

$751

$63

Westfield

$755

$63

Westfield

$756

$63

Erie

$760

$63

State Farm

$768

$64

Mercury

$779

$65

AAA

$802

$67

Progressive

$834

$69

Country Financial

$845

$70

Progressive

$847

$71

GEICO

$851

$71

Auto-Owners Insurance Co

$865

$72

AAA

$866

$72

Travelers

$897

$75

Travelers

$906

$75

GEICO

$920

$77

Allstate

$935

$78

Allstate

$965

$80

Erie

$969

$81

State Farm

$973

$81

Grange Insurance

$993

$83

Progressive

$995

$83

Westfield

$997

$83

Grange Insurance

$997

$83

Travelers

$1,042

$87

Hanover

$1,045

$87

AAA

$1,086

$91

Mercury

$1,087

$91

GEICO

$1,087

$91

Hanover

$1,116

$93

Allstate

$1,176

$98

Grange Insurance

$1,233

$103

Hanover

$1,451

$121

In Naperville, a minimum coverage policy only offers the following limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

Your minimum coverage policy will cover the cost of injuries to others up to $25,000 per person and $50,000 per accident. Property damage is covered up to $20,000, so any damages above these limits will be paid for out of pocket. Incidents caused by an uninsured driver are covered up to $25,000 per person and $50,000 per accident.

Cheapest Full Coverage Car Insurance in Naperville

The cheapest car insurance companies in Naperville for a full coverage policy are:

  • Country Financial: approximately $624 per year
  • Auto-Owners Insurance Co: approximately $646 per year

Hanover has the highest rates for a full coverage policy in Naperville at around $1,116 per year.

American Family offers the cheapest full coverage car insurance in Illinois at roughly $696 per year, demonstrating how rates can vary based on location.

Company
Annual Premium
Monthly Premium

Mercury

$275

$23

Mercury

$276

$23

Country Financial

$290

$24

Country Financial

$290

$24

Westfield

$308

$26

Auto-Owners Insurance Co

$318

$26

Auto-Owners Insurance Co

$330

$28

Westfield

$337

$28

State Farm

$345

$29

Westfield

$358

$30

State Farm

$365

$30

Erie

$368

$31

Erie

$372

$31

AAA

$386

$32

Mercury

$393

$33

Country Financial

$398

$33

Hanover

$399

$33

Auto-Owners Insurance Co

$406

$34

Hanover

$406

$34

American Family

$408

$34

American Family

$410

$34

AAA

$413

$34

State Farm

$442

$37

GEICO

$444

$37

American Family

$445

$37

GEICO

$448

$37

Progressive

$464

$39

Erie

$475

$40

Allstate

$484

$40

Progressive

$492

$41

Allstate

$493

$41

Travelers

$496

$41

AAA

$506

$42

Grange Insurance

$506

$42

Progressive

$520

$43

Hanover

$520

$43

GEICO

$520

$43

Travelers

$526

$44

Grange Insurance

$543

$45

Travelers

$556

$46

Country Financial

$595

$50

Allstate

$615

$51

Country Financial

$624

$52

Auto-Owners Insurance Co

$636

$53

Grange Insurance

$643

$54

Auto-Owners Insurance Co

$646

$54

American Family

$650

$54

American Family

$660

$55

State Farm

$712

$59

American Family

$714

$59

Mercury

$735

$61

Erie

$751

$63

Westfield

$755

$63

Westfield

$756

$63

Erie

$760

$63

State Farm

$768

$64

Mercury

$779

$65

AAA

$802

$67

Progressive

$834

$69

Country Financial

$845

$70

Progressive

$847

$71

GEICO

$851

$71

Auto-Owners Insurance Co

$865

$72

AAA

$866

$72

Travelers

$897

$75

Travelers

$906

$75

GEICO

$920

$77

Allstate

$935

$78

Allstate

$965

$80

Erie

$969

$81

State Farm

$973

$81

Grange Insurance

$993

$83

Progressive

$995

$83

Westfield

$997

$83

Grange Insurance

$997

$83

Travelers

$1,042

$87

Hanover

$1,045

$87

AAA

$1,086

$91

Mercury

$1,087

$91

GEICO

$1,087

$91

Hanover

$1,116

$93

Allstate

$1,176

$98

Grange Insurance

$1,233

$103

Hanover

$1,451

$121

Full coverage includes comprehensive and collision insurance in addition to liability coverage.

  • Collision Insurance: Covers damages to your car following an accident or collision with another car or object.
  • Comprehensive Insurance: Covers damages from non-collision related incidents such as theft, vandalism or extreme weather.

If you have an older car, the cost of a full coverage policy might be higher than the value of your car, so it may not be worth it.

Loading...
  • coins2 icon

    Compare

    Compare minimum and full coverage policies.

  • find icon

    Find a match

    Get matched with an insurer in Naperville.

  • financialPlanning icon

    Save

    Save hundreds of dollars per year.

Cheapest Car Insurance in Naperville After a Driving Offense

The cheapest car insurance companies in Naperville after a driving violation are:

  • Speeding ticket: Auto-Owners Insurance Co (approximately $725 per year)
  • At-fault accident: American Family (approximately $787 per year)
  • DUI: American Family (approximately $798 per year)

The most expensive companies after an offense in Naperville are GEICO at roughly $2,177 per year for a DUI, Hanover at around $1,746 per year for an at-fault accident and Grange Insurance at roughly $1,518 per year for a speeding offense.

A poor driving record will impact your car insurance rates significantly, and even the cheapest rates for poor records will be more expensive compared to average rates for a clean record.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$362

$30

Westfield

$365

$30

Auto-Owners Insurance Co

$374

$31

State Farm

$386

$32

State Farm

$386

$32

Country Financial

$389

$32

Country Financial

$391

$33

Hanover

$399

$33

Westfield

$401

$33

Mercury

$405

$34

Erie

$406

$34

Hanover

$406

$34

State Farm

$408

$34

State Farm

$408

$34

Erie

$410

$34

Mercury

$412

$34

State Farm

$422

$35

Westfield

$426

$35

Auto-Owners Insurance Co

$428

$36

Auto-Owners Insurance Co

$441

$37

State Farm

$447

$37

Mercury

$455

$38

Auto-Owners Insurance Co

$464

$39

American Family

$471

$39

Country Financial

$476

$40

American Family

$476

$40

American Family

$482

$40

American Family

$482

$40

Westfield

$484

$40

Country Financial

$487

$41

American Family

$488

$41

American Family

$488

$41

Country Financial

$489

$41

Mercury

$491

$41

State Farm

$493

$41

State Farm

$493

$41

Progressive

$494

$41

AAA

$495

$41

Country Financial

$496

$41

American Family

$511

$43

Westfield

$514

$43

Hanover

$520

$43

American Family

$523

$44

American Family

$523

$44

Erie

$525

$44

Erie

$527

$44

AAA

$531

$44

Westfield

$534

$45

Mercury

$534

$45

Erie

$534

$45

GEICO

$535

$45

Country Financial

$537

$45

Mercury

$540

$45

State Farm

$541

$45

Progressive

$549

$46

Progressive

$550

$46

Auto-Owners Insurance Co

$551

$46

Progressive

$560

$47

AAA

$566

$47

Mercury

$589

$49

AAA

$606

$51

Progressive

$622

$52

Progressive

$624

$52

Country Financial

$635

$53

GEICO

$640

$53

Hanover

$642

$54

Hanover

$647

$54

Erie

$647

$54

Erie

$655

$55

AAA

$656

$55

GEICO

$656

$55

Progressive

$659

$55

Allstate

$667

$56

Travelers

$673

$56

Country Financial

$673

$56

Auto-Owners Insurance Co

$678

$56

Erie

$679

$57

Allstate

$681

$57

Hanover

$691

$58

Hanover

$692

$58

Auto-Owners Insurance Co

$694

$58

GEICO

$698

$58

Travelers

$703

$59

Travelers

$711

$59

Auto-Owners Insurance Co

$714

$59

Auto-Owners Insurance Co

$725

$60

Mercury

$731

$61

Progressive

$735

$61

Progressive

$736

$61

Mercury

$742

$62

Travelers

$743

$62

AAA

$749

$62

Grange Insurance

$766

$64

AAA

$775

$65

American Family

$778

$65

Travelers

$780

$65

American Family

$787

$66

State Farm

$788

$66

State Farm

$788

$66

American Family

$789

$66

Country Financial

$789

$66

American Family

$789

$66

Travelers

$790

$66

GEICO

$791

$66

Grange Insurance

$792

$66

Hanover

$798

$67

American Family

$798

$67

American Family

$798

$67

Travelers

$827

$69

Grange Insurance

$827

$69

Country Financial

$828

$69

Travelers

$828

$69

Erie

$829

$69

AAA

$829

$69

Auto-Owners Insurance Co

$833

$69

Erie

$837

$70

Erie

$839

$70

Allstate

$842

$70

Auto-Owners Insurance Co

$846

$71

State Farm

$849

$71

State Farm

$849

$71

American Family

$850

$71

Allstate

$853

$71

Allstate

$853

$71

Grange Insurance

$854

$71

Allstate

$858

$72

State Farm

$858

$72

Grange Insurance

$859

$72

Hanover

$860

$72

American Family

$861

$72

American Family

$861

$72

Allstate

$872

$73

Auto-Owners Insurance Co

$881

$73

Westfield

$886

$74

GEICO

$886

$74

Westfield

$895

$75

Westfield

$896

$75

Grange Insurance

$915

$76

Westfield

$916

$76

Travelers

$922

$77

State Farm

$924

$77

Progressive

$926

$77

Grange Insurance

$936

$78

Westfield

$936

$78

Country Financial

$951

$79

Country Financial

$955

$80

Country Financial

$962

$80

Auto-Owners Insurance Co

$975

$81

Progressive

$989

$82

Country Financial

$994

$83

Grange Insurance

$1,007

$84

AAA

$1,017

$85

AAA

$1,045

$87

Hanover

$1,045

$87

Erie

$1,055

$88

GEICO

$1,055

$88

Erie

$1,070

$89

Erie

$1,071

$89

State Farm

$1,080

$90

State Farm

$1,080

$90

Allstate

$1,080

$90

Progressive

$1,091

$91

Grange Insurance

$1,091

$91

Allstate

$1,094

$91

Progressive

$1,095

$91

AAA

$1,101

$92

Westfield

$1,104

$92

Westfield

$1,104

$92

Mercury

$1,111

$93

AAA

$1,115

$93

Hanover

$1,116

$93

GEICO

$1,123

$94

Country Financial

$1,129

$94

Auto-Owners Insurance Co

$1,144

$95

GEICO

$1,159

$97

Mercury

$1,163

$97

Mercury

$1,163

$97

Progressive

$1,174

$98

State Farm

$1,177

$98

Westfield

$1,187

$99

AAA

$1,205

$100

Travelers

$1,248

$104

Allstate

$1,257

$105

Progressive

$1,274

$106

Erie

$1,278

$107

Auto-Owners Insurance Co

$1,285

$107

Mercury

$1,287

$107

Country Financial

$1,293

$108

Erie

$1,296

$108

Allstate

$1,297

$108

Progressive

$1,303

$109

Auto-Owners Insurance Co

$1,306

$109

Travelers

$1,307

$109

Westfield

$1,346

$112

Travelers

$1,347

$112

GEICO

$1,349

$112

Country Financial

$1,363

$114

Erie

$1,365

$114

Travelers

$1,369

$114

GEICO

$1,381

$115

AAA

$1,383

$115

Progressive

$1,396

$116

Travelers

$1,409

$117

GEICO

$1,416

$118

GEICO

$1,427

$119

Travelers

$1,438

$120

Mercury

$1,444

$120

Grange Insurance

$1,446

$120

Travelers

$1,449

$121

Hanover

$1,451

$121

Grange Insurance

$1,462

$122

AAA

$1,466

$122

Mercury

$1,496

$125

Progressive

$1,509

$126

AAA

$1,511

$126

Grange Insurance

$1,518

$127

Grange Insurance

$1,526

$127

Allstate

$1,531

$128

Travelers

$1,564

$130

Allstate

$1,575

$131

AAA

$1,578

$131

Allstate

$1,591

$133

Travelers

$1,601

$133

Allstate

$1,602

$133

Mercury

$1,625

$135

Allstate

$1,653

$138

GEICO

$1,659

$138

Erie

$1,659

$138

Hanover

$1,682

$140

Grange Insurance

$1,713

$143

Grange Insurance

$1,719

$143

Grange Insurance

$1,745

$145

Hanover

$1,746

$145

Auto-Owners Insurance Co

$1,785

$149

GEICO

$1,787

$149

Hanover

$1,807

$151

Hanover

$1,871

$156

Grange Insurance

$1,880

$157

Mercury

$1,890

$157

Westfield

$1,903

$159

Westfield

$1,904

$159

Allstate

$1,944

$162

AAA

$2,017

$168

Mercury

$2,032

$169

Allstate

$2,036

$170

Grange Insurance

$2,133

$178

Westfield

$2,145

$179

GEICO

$2,177

$181

Hanover

$2,224

$185

Hanover

$2,381

$198

GEICO

$2,473

$206

GEICO

$2,792

$233

Car insurance rates tend to increase for more severe offenses. For instance, Naperville drivers with a DUI pay an average of $578 more than rates for a clean record, while those with a speeding offense only pay around $217 more. This means that when shopping for cheap car insurance for a bad driving record, the nature of your violation will impact how much more you have to pay for car insurance.

Cheapest Car Insurance in Naperville for Teens and Their Families

The cheapest car insurance companies in Naperville for teens on a family policy are:

  • Progressive: approximately $1,806 for female teens and $1,944 per year for male teens
  • Auto-Owners Insurance Co: approximately $1,900 per year for male teens
  • State Farm: approximately $1,834 for female teens

GEICO is the most expensive provider for teens on a family policy at around $2,755 for male teens and $2,522 for female teens.

Rates for male teens can be higher since they are considered riskier to insure. For instance, Progressive rates for male teens are up to $138 more compared to rates for female teens. However, these differences in rates drop off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$871

$1,568

State Farm

$939

$1,601

Travelers

$956

$1,649

Auto-Owners Insurance Co

$970

$2,342

Auto-Owners Insurance Co

$997

$2,309

Travelers

$999

$1,799

Travelers

$1,002

$1,986

Auto-Owners Insurance Co

$1,025

$2,476

Travelers

$1,033

$1,861

Auto-Owners Insurance Co

$1,068

$2,851

State Farm

$1,071

$1,826

Auto-Owners Insurance Co

$1,071

$2,481

State Farm

$1,090

$1,816

Auto-Owners Insurance Co

$1,097

$2,650

Travelers

$1,110

$1,915

State Farm

$1,121

$2,221

Travelers

$1,140

$2,174

Auto-Owners Insurance Co

$1,144

$3,063

Travelers

$1,148

$2,290

Allstate

$1,156

$2,111

Allstate

$1,156

$2,111

Auto-Owners Insurance Co

$1,170

$3,449

State Farm

$1,171

$1,997

Auto-Owners Insurance Co

$1,185

$2,744

Progressive

$1,195

$1,513

Travelers

$1,197

$2,064

State Farm

$1,199

$2,415

Auto-Owners Insurance Co

$1,203

$3,055

Allstate

$1,220

$2,760

Allstate

$1,220

$2,760

Allstate

$1,221

$2,229

Allstate

$1,221

$2,229

Progressive

$1,248

$2,287

Allstate

$1,260

$2,504

Allstate

$1,260

$2,504

State Farm

$1,261

$2,101

Travelers

$1,271

$3,781

Allstate

$1,292

$2,359

Allstate

$1,292

$2,359

Progressive

$1,310

$1,572

GEICO

$1,314

$2,759

Auto-Owners Insurance Co

$1,319

$3,350

Progressive

$1,324

$2,455

Auto-Owners Insurance Co

$1,324

$3,685

State Farm

$1,332

$2,640

GEICO

$1,336

$3,684

Travelers

$1,347

$2,568

Travelers

$1,348

$2,565

GEICO

$1,349

$2,373

Travelers

$1,354

$3,006

Auto-Owners Insurance Co

$1,360

$4,010

Auto-Owners Insurance Co

$1,367

$4,627

GEICO

$1,369

$3,307

GEICO

$1,370

$2,877

State Farm

$1,383

$3,154

State Farm

$1,385

$2,789

GEICO

$1,386

$2,438

State Farm

$1,395

$2,324

Progressive

$1,408

$1,782

GEICO

$1,433

$3,348

GEICO

$1,457

$3,059

Progressive

$1,465

$1,758

Progressive

$1,465

$2,179

GEICO

$1,486

$3,006

Allstate

$1,486

$3,930

Allstate

$1,486

$3,930

State Farm

$1,486

$2,943

GEICO

$1,498

$2,635

Progressive

$1,500

$4,671

Allstate

$1,500

$3,392

Allstate

$1,500

$3,392

Progressive

$1,517

$3,162

Progressive

$1,531

$2,136

Progressive

$1,535

$1,942

Progressive

$1,572

$1,887

Progressive

$1,578

$2,890

Travelers

$1,582

$4,712

Travelers

$1,585

$4,717

State Farm

$1,594

$3,627

Allstate

$1,614

$4,610

Allstate

$1,614

$4,610

Travelers

$1,620

$3,084

Travelers

$1,633

$3,679

Progressive

$1,636

$5,215

Progressive

$1,670

$3,561

GEICO

$1,682

$5,483

Auto-Owners Insurance Co

$1,691

$5,386

GEICO

$1,721

$4,747

Auto-Owners Insurance Co

$1,722

$4,112

State Farm

$1,752

$3,987

State Farm

$1,756

$3,476

Progressive

$1,758

$5,476

Progressive

$1,765

$3,275

GEICO

$1,777

$4,293

GEICO

$1,796

$5,415

Progressive

$1,806

$6,732

State Farm

$1,825

$4,154

State Farm

$1,834

$4,741

Auto-Owners Insurance Co

$1,855

$4,428

Auto-Owners Insurance Co

$1,855

$4,747

Progressive

$1,888

$6,019

Auto-Owners Insurance Co

$1,899

$6,048

Auto-Owners Insurance Co

$1,900

$6,719

GEICO

$1,932

$9,958

Progressive

$1,944

$7,354

Travelers

$2,009

$5,985

State Farm

$2,032

$4,571

Travelers

$2,040

$9,713

Allstate

$2,172

$6,204

Allstate

$2,172

$6,204

GEICO

$2,174

$10,123

Allstate

$2,205

$8,087

Allstate

$2,205

$8,087

GEICO

$2,217

$11,428

State Farm

$2,329

$5,238

State Farm

$2,340

$5,980

GEICO

$2,456

$11,436

GEICO

$2,522

$17,614

Travelers

$2,611

$12,634

GEICO

$2,755

$16,925

The cheapest car insurance for teens is usually a family policy. It costs significantly less to add a teen to a family policy compared to purchasing an individual teen car insurance policy.

In Naperville, teens will pay at least $2,567 more per year for their own policy vs. the cost of being added to a family policy.

Cheapest Car Insurance in Naperville for Military Drivers

The cheapest car insurance companies in Naperville for active duty or veteran military families are:

  • Country Financial: approximately $624 per year
  • Auto-Owners Insurance Co: approximately $646 per year

USAA is also a good option for those in the military at roughly $825 per year since its services cater specifically to drivers with a military background.

For minimum coverage, Mercury is the best option for cheap military car insurance at around $275 per year. Country Financial is the second cheapest option for minimum coverage at roughly $290 per year.

Company
Annual Premium
Monthly Premium

Mercury

$275

$23

Mercury

$276

$23

Country Financial

$290

$24

Country Financial

$290

$24

Westfield

$308

$26

Auto-Owners Insurance Co

$318

$26

Auto-Owners Insurance Co

$330

$28

Westfield

$337

$28

State Farm

$345

$29

Westfield

$358

$30

State Farm

$365

$30

Erie

$368

$31

Erie

$372

$31

AAA

$386

$32

Mercury

$393

$33

Country Financial

$398

$33

Hanover

$399

$33

Auto-Owners Insurance Co

$406

$34

Hanover

$406

$34

American Family

$408

$34

American Family

$410

$34

AAA

$413

$34

USAA

$433

$36

USAA

$435

$36

State Farm

$442

$37

GEICO

$444

$37

American Family

$445

$37

GEICO

$448

$37

Progressive

$464

$39

Erie

$475

$40

Allstate

$484

$40

Progressive

$492

$41

Allstate

$493

$41

Travelers

$496

$41

AAA

$506

$42

Grange Insurance

$506

$42

Progressive

$520

$43

Hanover

$520

$43

GEICO

$520

$43

Travelers

$526

$44

USAA

$541

$45

Grange Insurance

$543

$45

Travelers

$556

$46

Country Financial

$595

$50

Allstate

$615

$51

Country Financial

$624

$52

Auto-Owners Insurance Co

$636

$53

Grange Insurance

$643

$54

Auto-Owners Insurance Co

$646

$54

American Family

$650

$54

American Family

$660

$55

State Farm

$712

$59

American Family

$714

$59

Mercury

$735

$61

Erie

$751

$63

Westfield

$755

$63

Westfield

$756

$63

Erie

$760

$63

State Farm

$768

$64

Mercury

$779

$65

USAA

$801

$67

AAA

$802

$67

USAA

$825

$69

Progressive

$834

$69

Country Financial

$845

$70

Progressive

$847

$71

GEICO

$851

$71

Auto-Owners Insurance Co

$865

$72

AAA

$866

$72

Travelers

$897

$75

Travelers

$906

$75

GEICO

$920

$77

Allstate

$935

$78

Allstate

$965

$80

Erie

$969

$81

State Farm

$973

$81

Grange Insurance

$993

$83

Progressive

$995

$83

Westfield

$997

$83

Grange Insurance

$997

$83

Travelers

$1,042

$87

Hanover

$1,045

$87

USAA

$1,068

$89

AAA

$1,086

$91

Mercury

$1,087

$91

GEICO

$1,087

$91

Hanover

$1,116

$93

Allstate

$1,176

$98

Grange Insurance

$1,233

$103

Hanover

$1,451

$121

How to Compare Cheap Naperville Car Insurance Quotes Online

Getting car insurance quotes online in Naperville will require you to enter a lot of personal details, and the process can take more than 15 minutes per insurer.

MoneyGeek’s car insurance calculator is a quick way to get an estimate of your car insurance rates based on basic information like age, vehicle type, driving record and coverage level.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Illinois
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

Mercury

Best Car Insurance in Naperville: Summary

How you value factors like cost, service and coverage will determine who the best car insurance provider for you is. The best car insurance companies in Naperville include:

  • Best overall: Country Financial (MoneyGeek score 81 out of 100)
  • Best for service: Erie (MoneyGeek score 70 out of 100)
  • Best cheap: Country Financial (MoneyGeek score 79 out of 100)

Scores can change based on category weightings.

Country Financial, the best company in Naperville, also offers the best car insurance in Illinois. For drivers in the military, USAA tailors its services to suit active duty military and veterans.

Best Overall Car Insurance in Naperville

The best overall car insurance companies in Naperville are:

  • Country Financial: MoneyGeek score 81 out of 100 (approximately $624 per year)
  • Auto-Owners Insurance Co: MoneyGeek score 80 out of 100 (approximately $646 per year)

Country Financial ranked highly for affordability and customer satisfaction. Among the insurers analyzed, Country Financial offers the best balance of affordability and quality service, so policyholders do not have to trade good service for low premiums.

How was this MoneyGeek score calculated?

Country Financial

pros

Ranked first for affordability

Ranked highly for customer satisfaction

Offers glass deductible modification coverage, portable electronics and media coverage and roadside assistance

cons

Average claims score

Doesn’t offer accident forgiveness

COMPANY HIGHLIGHTS

Country Financial is the best overall car insurance company in Naperville, offering drivers a combination of affordable rates and great service.

If you want additional protection in case your windshield, car windows or headlights get damaged, you can get glass deductible modification coverage. This will ensure that in case of glass damage following a covered loss, you will not be required to pay your deductible.

Country Financial also offers portable electronics and media coverage to protect media devices, such as laptops or phones, that you may have in your car. In case of a covered loss, this coverage will pay to replace such items up to a maximum of $800.

Roadside assistance and rental car or travel reimbursement coverages are also available. Roadside assistance will pay for emergency services such as towing or mechanical labor when your car breaks down.

Read MoneyGeek's Country Financial Auto Insurance Review

Best Car Insurance in Naperville for Customer Service

Excluding cost from our scoring system, MoneyGeek found that the best car insurance companies for customer service in Naperville are:

  • Erie: MoneyGeek score 70 out of 100 (approximately $751 per year)
  • Westfield: MoneyGeek score 68 out of 100 (approximately $756 per year)

Erie ranked well for claims and customer satisfaction. The insurer’s car insurance rates rank among the most affordable options in Naperville, so policyholders do not have to pay expensive rates to get excellent service.

How was this MoneyGeek score calculated?

Erie

pros

Good claims score

High satisfaction score

Offers better car replacement and personal property insurance

cons

Below average coverage score

Doesn’t offer roadside assistance

COMPANY HIGHLIGHTS

If you prioritize service quality, Erie is the best car insurance company in Naperville. It scored high in claims experience and customer satisfaction. This provider also offers unique coverage options and is relatively inexpensive.

Erie offers better car replacement coverage, which is useful if you have a new car. If your car gets totaled, you will be compensated with the newest model year. However, you can only get this coverage if your car is not older than two years.

Policyholders can also opt for glass deductible modification coverage, which will pay for damages to your windscreen or windows without requiring payment of the deductible. Your personal belongings, such as clothing or luggage in your car, can also be covered if you opt for personal property insurance.

Erie also offers rental car or travel reimbursement coverage to pay for travel expenses while your car is getting repaired.

Read MoneyGeek's Erie Auto Insurance Review

Best Cheap Car Insurance in Naperville

Based on affordability and service quality, the best cheap car insurance companies in Naperville for minimum coverage policies that only meet Illinois minimum requirements are:

  • Country Financial: MoneyGeek score 79 out of 100 (approximately $290 per year)
  • Westfield: MoneyGeek score 78 out of 100 (approximately $308 per year)

If you are on a budget, the cheapest minimum coverage policies in Naperville have the lowest premiums. With these policies, you only get limited liability protection, and damages to your car are not included in the coverage.

How was this MoneyGeek score calculated?

Country Financial

pros

Affordable minimum coverage at around $290 per year

Offers multiple car, driver’s education and legacy discounts

High customer satisfaction and affordability scores

cons

Average coverage score

Doesn’t offer accident forgiveness or gap insurance

COMPANY HIGHLIGHTS

If you are looking for a balance of affordable rates and great service, Country Financial is the best cheap provider in Naperville. There are multiple opportunities for policyholders to save even more on their premiums by taking advantage of various discounts offered by Country Financial.

Common discounts like bundling and multiple car discounts are available, so you will get better rates if you insure more than one car or bundle your policy with a home insurance, life or disability policy. Drivers who maintain a clean record for at least three years are also eligible for a discount for safe driving.

Country Financial also offers less common discounts, such as an occupational discount that is available to teachers, firefighters and police officers. Nurses and EMTs also qualify for occupational discounts. Legacy discounts are available if you are under 25 and your parents have a multi-car or multi-policy discount.

Read MoneyGeek's Country Financial Auto Insurance Review

Average Cost of Car Insurance in Naperville

The average cost of car insurance in Naperville is $779 per year for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 property damage liability per accident.

Rates in Naperville are $116 cheaper than the average cost of car insurance in Illinois and up to $486 cheaper than the average national cost of car insurance, $1,265 per year.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.