Car Insurance in Naperville
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Car Insurance in Naperville, IL
Naperville, Illinois, is the state's fourth-largest city and consistently ranks as one of America's safest cities. But even in this suburban sanctuary, accidents can happen. A quick ride down to the Riverwalk can spell financial ruin if you don't do your homework to find the right car coverage in Naperville.
Driving in Naperville isn't typically challenging, especially compared with driving in downtown Chicago. The city's reputation for safety is well-earned, so don't be surprised to see speed bumps, speed traps, and other efforts to curb speeding. Watch your speed, read the signs, and park where you're supposed to, and you won't have any trouble.
When you compare car insurance quotes in Naperville, you want to find the best price. We can help. This site is designed to help you dive deeper as you look for insurance in Naperville and all the western suburbs by comparing auto quotes. Remember, these will vary based on your age, driving history, and location, so it's a good idea to shop around.
How much is car insurance in Naperville, IL?
Insurance rates in Naperville can fluctuate significantly depending on the coverage plan you select. To give you a general idea, here are the average costs for the three most common 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 Naperville?
In Naperville, insurance rates can vary greatly based on the coverage plan you choose. To provide some insight, here are the average costs for the three most frequently selected types of coverage in the region:Rank | Make and Model | Average Monthly Premium |
---|---|---|
1 | Dodge Grand Caravan | $144 |
2 | Subaru Forester | $144 |
3 | Honda Cr-V | $148 |
4 | Kia Sol | $150 |
5 | Jeep Cherokee | $150 |
6 | Ford F-150 | $150 |
7 | Ford Fusion | $151 |
8 | Kia Sedona | $154 |
9 | Ford Escape | $155 |
10 | Toyota Tacoma | $155 |
Avg. premiums are weighted by zip code population sizes. Data accurate as of August 1, 2024 |
How do claims and violations impact my total cost?
Minor fender benders, severe accidents, a few speeding tickets, DUI charges, or involvement in a hit-and-run all influence your insurance premiums in the city. Below, find a breakdown illustrating how insurance rates in Naperville can fluctuate based on common claims and violations, ranked from the least to the most impactful:
Violation or Claim | Average Monthly Cost | Price Difference |
---|---|---|
None | $158 | +0% |
Not at-fault Accident | $164 | +4% |
Driving with expired registration | $193 | +22% |
Speeding Ticket | $199 | +26% |
At-fault Accident | $243 | +54% |
DUI | $297 | +88% |
Hit and Run | $302 | +91% |
Driving with a suspended license | $318 | +101% |
What car insurance discounts can I get in Naperville?
In Naperville, 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 | $137 | +$21 |
Paid in Full | $149 | +$9 |
Multi-Policy Renters | $151 | +$7 |
Low Mileage | $154 | +$4 |
Renewal discount | $154 | +$4 |
Electronic Funds Transfer | $155 | +$3 |
Paperless | $157 | +$1 |
None | $158 | +$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.