Location plays an important role in determining your car insurance premium in Aurora. Auto insurance providers typically have lower rates in areas they consider to be less risky. To get accurate insurance prices, you should get individualized quotes keeping your circumstances and needs in mind.
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Average Cost of Car Insurance in Aurora
Aurora$837
Illinois$1,134
U.S.$1,424
On average, car insurance in Aurora costs about $837 a year. Drivers in Aurora typically pay 26.2% less than the state average and 41.2% less than the national average.
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The Best Cheap Car Insurance Companies in Aurora
Mercury offers the best car insurance rates in Aurora, with an annual average cost of $627. On the other side of the spectrum, AAA presents the highest average annual price in the city at $1,187, which is 89.3% more than Mercury’s average yearly premium.
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Personalized Quotes to Get You the Cheapest Car Insurance in Aurora
Car insurance firms in Aurora compute annual premiums by analyzing individual factors, such as age, credit score, marital status, gender, driving history, ZIP code and car make and model. You should get personalized quotes regularly to check if you are eligible for discounts.
For example, a 40-year-old male with a Mercury policy in Aurora pays an average annual rate of $627. This average yearly premium could change as he gets older and his circumstances change. The ideal way to get accurate rates is to compare car insurance quotes regularly.
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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Aurora by Coverage Amount
How much car insurance coverage you purchase in Aurora also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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.
Car insurance carriers typically offer multiple coverage levels. For cheap car insurance coverage in Aurora, you can opt for a state minimum liability package, which costs an annual average of $313 from Mercury. For more comprehensive coverage, you can go for a 50/100/50 policy, which permits you to claim $50,000 for medical expenses per individual, with a restriction of $100,000 per vehicle and $50,000 for property damage.
A full-coverage package also covers your expenses if you are at fault in an accident, instead of only paying for the other driver’s costs. Mercury’s 50/100/50 full-coverage plan costs an average of $586 per year, which is $240 more than a 50/100/50 liability-only policy. The extra cost can be worth paying given the additional benefits offered by the full-coverage package.
Average Car Insurance Premiums by Coverage Type
Liability Only
Full Coverage
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Cheapest Car Insurance in Aurora if You Have Tickets
To get affordable car insurance in Aurora, you should keep your driving record clean. At-fault accidents, DUIs and speeding tickets will increase your premium. In Aurora, a driver without any violations can get an average yearly rate of $752 from State Farm. A speeding ticket can raise this average annual price by $72. If you get involved in an at-fault accident, your average yearly premium will increase by roughly $143 to a total of $895.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. State Farm$824$895$824
- 2. Erie$720$909$1,098
- 3. Mercury$874$1,267$821
- $956$1,003$1,061
- 5. GEICO$783$951$1,479
Average Cost of Car Insurance by Postal Code
Your residential neighborhood also has a role in the calculation of your car insurance premium in Illinois. Areas with more thefts, uninsured motorists and accidents are typically costlier. In Aurora, the 60506 neighborhood is a bit cheaper for auto insurance as it costs $29 less than the $852 average annual rate in the 60505 ZIP code.
- Zip CodeState Minimumper year
- 60506$823
- 60505$852
Insurance Providers That Serve Aurora
Factors That Impact Insurance Costs in Aurora
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 Aurora. How Aurora ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Aurora could save you $210, which is enough to buy:
70Cups of Coffee
16Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Aurora 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.
Compare Car Insurance Rates in Aurora
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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