Car Insurance in Aurora
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Car Insurance in Aurora, IL
Imagine you're headed down Aurora Avenue to spend an evening at the Paramount Theatre, but before you get downtown, you get sideswiped. If you don't have enough insurance to cover it, your savings could be depleted faster than you can say "Fox River."
Driving in Aurora, Illinois, is no different than driving in most cities of its size. Illinois' second-largest city follows the state traffic laws without offering any major addendums, so follow the signage, park where you're allowed, and you'll be fine. Similarly, you won't need additional car coverage in Aurora beyond what's already required by the state of Illinois.
Comparing car insurance quotes in Aurora, Illinois, puts you in the driver's seat. Don't be surprised if insurance premiums vary significantly between companies. Insurance carriers calculate your cost differently based on your age, driving record, and even where you live.
How much is car insurance in Aurora, IL?
The overall expense of car insurance in Aurora can vary widely based on the coverage plans you choose. For a basic reference, below are the average costs for the three most popular types of coverage in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Aurora?
Evaluating and categorizing the insurance rates for each car make, model, and year in the city is a complex endeavor. However, if you're interested in newer vehicles that are known for their lower insurance costs, here are the top 10 most budget-friendly car makes and models to consider in Aurora:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $145 |
| 2 | Dodge Grand Caravan | $145 |
| 3 | Honda Cr-V | $149 |
| 4 | Jeep Cherokee | $151 |
| 5 | Kia Sol | $152 |
| 6 | Ford F-150 | $152 |
| 7 | Ford Fusion | $153 |
| 8 | Toyota Tacoma | $156 |
| 9 | Kia Sedona | $156 |
| 10 | Toyota Corolla | $156 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Analyzing and ranking the insurance costs for each car make, model, and year in the city is a complicated task. However, if you are in the market for newer vehicles that typically have lower insurance rates, here are the top 10 most cost-effective car makes and models to consider in Aurora:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $159 | +0% |
| Not at-fault Accident | $164 | +3% |
| Driving with expired registration | $194 | +22% |
| Speeding Ticket | $199 | +25% |
| At-fault Accident | $241 | +52% |
| DUI | $295 | +86% |
| Hit and Run | $300 | +89% |
| Driving with a suspended license | $314 | +97% |
What car insurance discounts can I get in Aurora?
In Aurora, a variety of discounts are available that can help lower your insurance expenses. These opportunities are listed below, ordered from the most to the least significant in terms of potential savings on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $138 | +$21 |
| Paid in Full | $149 | +$10 |
| Multi-Policy Renters | $152 | +$7 |
| Low Mileage | $154 | +$5 |
| Renewal discount | $155 | +$4 |
| Electronic Funds Transfer | $156 | +$3 |
| Paperless | $158 | +$1 |
| None | $159 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.