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 Erie tops the list.
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
- Company100/300/100per year
- 1.$616
- 2.$644
- 3.$695
- 4.$706
- 5.$723
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.

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
- CompanyState Minimumper year
- 1.$325
- 2.$334
- 3.$337
- 4.$359
- 5.$360
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 $60,000 out of your pocket.
Illinois Minimum Liability Requirements
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$730
- 2.$779
- 3.$794
- 4.$851
- 5.$859
Average Cost of Car Insurance in Naperville
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.

The Best Car Insurance Companies in Naperville
MoneyGeek used average rates, claims ratings and user satisfaction ratings to determine the top car insurance companies in Naperville.
The best insurers in the city, according to these factors, are:
- Erie: MoneyGeek score of 94 out of 100
- State Farm: MoneyGeek score of 91 out of 100
Although USAA had the second-highest MoneyGeek score of 92 out of 100, we excluded it from our research since it only caters to military members and their families. Still, it’s a great option for drivers with a military background in Illinois.

Erie received a perfect customer satisfaction score, tied first on claims and second for financial stability. On average, policyholders pay $695 per year for full coverage car insurance. Erie offers better car replacement coverage as an add-on to supplement standard insurance, which is not often available at most insurance companies.
Erie provides four opt-in coverage options, three of which are rare or somewhat rare. New and better car replacement coverage ensures that your car is replaced after being totaled with a newer or better model, respectively. The insurer’s accident forgiveness coverage prevents your car insurance rates from increasing if you are at fault in an accident after three claim-free years.
The more common rental car expense coverage is also available to cover rental and transportation costs after an accident has put your car in the shop.
Read MoneyGeek's Erie auto Insurance Review
Based on our findings, State Farm ties with Erie as the cheapest car insurance provider in Naperville. State Farm customers pay an average of $723 per year for full coverage. The insurer also has the second-highest customer satisfaction rating and offers rideshare insurance, which most insurance companies do not always offer, as an optional coverage.
By adding rideshare coverage, the medical, emergency roadside assistance and rental car reimbursement coverages in your personal auto policy remain in effect when you’re working for a ridesharing company. It also extends those coverages when your app is on and you're available for hire. Once you match with or are actively driving a passenger, all coverages, except liability insurance, remain.
State Farm also offers more common add-ons. One is rental car or travel reimbursement coverage, which provides a $500 repayment of your deductible if you are involved in an at-fault accident in your rental car. Another is roadside assistance, which pays for towing costs and more if you break down.
Read MoneyGeek's State Farm auto Insurance Review










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 CodeState 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.
About Mark Fitzpatrick
