Cheapest and Best Car Insurance in Naperville, IL (July 2024)

In Naperville, Illinois, Mercury offers the cheapest minimum coverage car insurance policy. American Family has the lowest rate for full coverage, while Progressive is the most affordable for families with teens. American Family provides the best overall value, blending price and service, and Westfield excels in customer service. Your preferences and coverage needs will guide you in making the best choice.

MoneyGeek found that Mercury offers the cheapest minimum coverage car insurance option in Naperville. If you're searching for the cheapest car insurance, these companies could help you save on costs:

• Mercury: $326 per year
• Country Financial: $387 per year

Grange Insurance presents the priciest minimum coverage policy in Naperville, at $665 per year. This difference of $339 shows the value of comparing rates to ensure you're not overpaying for your car insurance needs.

In Illinois, state law mandates the minimum car insurance coverage you must carry. These are the required limits:

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

For instance, if you have minimum coverage and are at fault in an accident, your policy would cover up to $25,000 for an individual's injuries and a total of $50,000 per accident. If damages exceed these limits, you're responsible for the difference. These required coverages ensure that all drivers are equally protected.

MoneyGeek found that American Family offers Naperville's cheapest full coverage car insurance. When looking for the most affordable rates, consider these two providers:

• American Family: $679 per year
• Auto-Owners: $803 per year

Hanover has the most expensive policy at $1,619 per year, $940 more than American Family. This rate difference highlights the need to compare rates for full coverage car insurance, which typically costs more due to the additional comprehensive and collision coverage.

Full coverage policies add another dimension of protection through comprehensive and collision insurance:

• Collision Insurance: This component covers the repairs to your automobile in the case of a collision, whether with another vehicle or an inanimate object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This is designed to cover damages to your vehicle from non-collision-related incidents, such as theft, vandalism, fires, natural disasters or being hit by an animal.

Opting for full coverage insurance is a prudent choice for new vehicles to protect your investment. However, the cost of additional coverage for older vehicles might outweigh the benefits, considering the potential for hundreds of dollars more in premiums. Gauging how much car insurance you need involves carefully assessing the increased cost against the risk of being underinsured.

MoneyGeek found that American Family is the cheapest option for drivers with a poor driving record in Naperville across all three offenses.

• Speeding Ticket: American Family ($822 per year)
• At-Fault Accident: American Family ($811 per year)
• DUI: American Family ($822 per year)

Hanover offers the most expensive rates following a DUI at $2,701 per year and an at-fault accident at $2,520. Grange Insurance is the most costly after a speeding ticket at $1,939 per year. The severity of a driving offense might impact car insurance rates, but this depends on the insurer.

Insurance premiums in Naperville and similar cities escalate with the severity of the driving violation because insurers assess higher risks with graver infractions. Naperville drivers with a speeding ticket face an average annual premium of $1,777, while those with a DUI will see rates spike to an average of $2,420 per year. This rate difference shows why it's essential for drivers with offenses to meticulously compare insurance rates, ensuring they secure the most financially prudent policy available.

MoneyGeek found that Progressive provides Naperville's cheapest car insurance for teens. These are the most affordable providers of teen car insurance:

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

These rates reflect the annual premiums for a policy covering two parents and a teen driver. GEICO is the most costly provider for families including a teen driver, with annual family premiums of $2,755 for male teens and $2,522 for female teens. A $716 difference in premiums between the cheapest and most expensive providers for female teens underscores the need to compare insurance quotes. This step is particularly important when insuring higher-risk teen drivers, which can significantly affect family premiums.

In Naperville, as in many U.S. cities, teen drivers face significantly higher car insurance premiums when opting for an individual policy rather than joining a family plan. On average, an individual annual premium for a teen driver is $5,082, while the addition of a teen to a family policy is $2,293 per year. This substantial rate difference stems from the elevated risk insurers associate with teen drivers, who statistically are more prone to accidents. The likelihood of a teen obtaining approval for an individual policy is slim due to their limited credit and driving histories. It's more economical for families to incorporate teens into their existing policies.

MoneyGeek found that American Family offers the cheapest car insurance for military backgrounds in Naperville. These are the top options:

• American Family: $679 per year
• Auto-Owners: $803 per year

While USAA is not the least expensive option at $1,048 per year, it specializes in serving the unique needs of active duty military members. It often ranks as one of the more affordable insurers at the national level.

Comparing car insurance rates in Naperville is key to savings. However, the process is often lengthy, potentially taking over an hour for just three providers.

MoneyGeek's car insurance calculator streamlines this endeavor, allowing users to obtain estimates almost instantly. MoneyGeek's tool simplifies the search for cost-effective car insurance tailored to individual needs by requiring only essential details such as age, driving history, credit score and desired coverage.

Choosing the ideal auto insurance hinges on personal preferences for service quality, cost-effectiveness and coverage options. MoneyGeek's comprehensive evaluations reveal that the leading insurers in Naperville cater to diverse needs.

• Best overall: American Family (MoneyGeek score 85 out of 100)
• Best for service: Westfield (MoneyGeek score 82 out of 100)
• Best cheap: Westfield (MoneyGeek score 82 out of 100)

American Family secures the top spot overall and is ideal if you are looking for a harmonious blend of service quality and cost. However, Westfield is best for those prioritizing exceptional customer service and for budget-conscious individuals, offering competitive rates without compromising on service quality.

MoneyGeek found that American Family offers the best car insurance in Naperville, delivering exceptional quality to drivers seeking comprehensive coverage. These are the top insurance providers:

• American Family: MoneyGeek score of 85 out of 100 ($679 per year)
• Westfield: MoneyGeek score of 82 out of 100 ($969 per year)

American Family has the highest MoneyGeek score, reflecting strong satisfaction and affordability ratings. The insurer's dominance in these areas for a full coverage policy ensures customers receive great value for their insurance investment.

MoneyGeek found that Westfield offers the best option in Naperville for those who prioritize customer service in their car insurance experience. This ranking considers general satisfaction, claims handling and coverages, without considering rates.

• Westfield: MoneyGeek score of 82 out of 100 ($969 per year)
• American Family: MoneyGeek score of 80 out of 100 ($679 per year)

Westfield distinguishes itself by exceptional general satisfaction and claims processing, which are the most significant contributors to its top MoneyGeek score. Quality service and reliable coverage are hallmarks of Westfield, making it the leading choice for discerning Naperville drivers.

MoneyGeek found that Westfield is the leading choice for drivers in Naperville searching for the best cheap car insurance. This standing is based on cost-effectiveness, customer satisfaction and adeptness in claims handling. These are the top contenders for inexpensive car insurance according to MoneyGeek's evaluation:

• Westfield: MoneyGeek score of 82 out of 100 ($411 per year)
• American Family: MoneyGeek score of 80 out of 100 ($412 per year)

Westfield distinguishes itself among its counterparts mainly due to its impressive affordability, which influences its MoneyGeek score. The score presented reflects the company's performance in terms of providing a minimum coverage policy, underscoring the value provided to consumers seeking essential coverage without an overwhelming price tag.

In Naperville, Illinois, drivers pay an average of $1,009 for car insurance, which is below the Illinois average of $1,153 per year. This city average undercuts the state average by $144 and is significantly cheaper by $772 than the national average of $1,781. These figures show that Illinois residents also pay $628 less than the national average.

Car insurance premiums are influenvariousiety of factors, with location playing a crucial role due in part to variables like traffic density and accident rates. For instance, residents of Chicago face the highest premiums in Illinois at $1,442, while those living in Springfield benefit from the most economical rates at just $989 — a $453 premium disparity within the state. Areas less congested than cities tend to have even more favorable insurance rates, further emphasizing the impact of location on insurance costs.