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.
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.
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.
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.
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.
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.
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.
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.
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.
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?

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.
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?

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.
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?

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.
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
