Best Aurora, IL Auto Insurance in 2024 (Find the Top 10 Companies Here)

The best Aurora, IL auto insurance providers are Allstate, Farmers, and Geico, each offering competitive rates and distinct advantages. Allstate is the top pick overall, providing reliable local support. Farmers excel with family plans, while Geico offers the most affordable rates, starting at $45/month.

These companies offer the best coverage options in Aurora, making it easy for drivers to find affordable, high-quality insurance. Be sure to compare auto insurance companies to discover the best rates and coverage for your needs.

Our Top 10 Company Picks: Best Aurora, IL Auto Insurance

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#1 – Allstate: Top Overall Pick

Pros

• Local Agents for Personalized Service: Offers in-person support for car owners in Aurora, Illinois.
• Comprehensive Insurance Options: Multiple coverage options, including collision and comprehensive, for Aurora drivers.
• Strong Discounts for Safe Drivers: Competitive discounts for safe drivers in Aurora, Illinois. To gather additional information, please read our Allstate auto insurance review.

Cons

• Higher Premiums for Younger Drivers: Rates may be higher for those under 25 in Aurora, IL.
• Limited Digital Tools: Digital tools may not be user-friendly for Aurora drivers.

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#2 – Farmers: Best for Family Plans

Pros

• Great Discounts for Family Plans: 20% bundling discount for Aurora, Illinois, families.
• Comprehensive Coverage Options: Offers full protection with collision and comprehensive coverage for Aurora drivers.
• Reliable Claims Process: Smooth claims handling for Aurora car owners. Please read our Farmers auto insurance review for more information.

Cons

• Higher Premiums for Older Vehicles: Older vehicles in Aurora may face higher premiums.
• Limited Local Agent Access: Fewer agents in Aurora, Illinois, are available for in-person service.

#3 – Geico: Best for Affordable Rates

Pros

• Affordable Rates: Geico offers some of the lowest-priced rates in Illinois for budget-conscious Aurora drivers.
• Strong Discount Program: Geico offers a strong lineup of discounts for good driving and bundling in Aurora, Illinois.
• Top-Rated Customer Service: Geico is a solid option for Aurora drivers and has prompt support. Please review our Geico auto insurance review for additional information.

Cons

• Limited Local Agent Presence in Aurora: Geico’s lack of local agents in Illinois may be a drawback for drivers preferring in-person support.
• Higher Premiums for Accident-Prone Drivers: Aurora drivers with a history of accidents may see higher rates than competitors.

#4 – USAA: Best for Military Benefits

Pros

• Affordable Military Insurance in Aurora: USAA offers some of the lowest rates for military families in Illinois, a significant benefit for Aurora veterans.
• Top-Tier Customer Satisfaction: USAA is a great option for solid coverage for Aurora car owners, and it is known especially for its great claims service.
• Exclusive Benefits for Military Families: Unique military-focused discounts make USAA attractive for eligible Aurora drivers. Learn more by reviewing our USAA auto insurance review.

Cons

• Limited Eligibility for Illinois Drivers: Only military personnel and families qualify, which excludes many Aurora drivers from USAA coverage.
• Fewer Local Agents in Aurora: USAA has fewer in-person resources, which may not suit Aurora residents preferring face-to-face interactions.

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#5 – Liberty Mutual: Best for Customizable Options

Pros

• Customizable Insurance Plans for Aurora: Liberty Mutual allows Illinois drivers to customize their coverage, making it a flexible option in Aurora.
• Comprehensive Discounts: Aurora residents can save more with a home and auto bundling discount from Liberty Mutual. Learn more by reviewing our Liberty Mutual auto insurance review.
• Strong Claims Satisfaction: Liberty Mutual is appealing to the driving needs of consumers in the Aurora area by offering high marks for claims service.

Cons

• Premiums Tend to Be Higher: Liberty Mutual’s basic coverage premiums can be higher, which is a consideration for budget-conscious Aurora drivers.
• Fewer Local Agents Available: The limited agent presence in Aurora may be a drawback for Illinois residents seeking in-person assistance.

#6 – Progressive: Best for Competitive Pricing

Pros

• Affordable Rates for Aurora Car Insurance: Progressive is known for competitive pricing and offers some of the lowest rates in Illinois.
• Snapshot Program Rewards Safe Driving: Aurora drivers can reduce premiums by participating in Progressive’s safe-driving program. Check out our Progressive auto insurance review for more details.
• Range of Discounts for Aurora Residents: Progressive provides discounts for multi-car, bundling, and other policies, adding extra savings.

Cons

• Higher Rates for Frequent Drivers: Aurora drivers with high mileage may see higher premiums, which could be a drawback.
• Mixed Claims Experience for Complex Cases: Some Illinois customers report issues with claims handling, especially for complex cases.

#7– Nationwide: Best for Bundling Options

Pros

• Strong Bundling Options: If you have multiple policies, Nationwide is great because they give discounts for bundling those policies together, which resonates well with Illinois residents.
• Vanishing Deductible for Safe Drivers: Aurora drivers with good records can benefit from lower deductibles over time. Discover more details in our Nationwide auto insurance review.
• User-Friendly Digital Tools: Nationwide’s app and website make it easy for Aurora residents to manage insurance online.

Cons

• Higher Rates for Young Drivers in Aurora: Nationwide’s premiums for young drivers are higher, which may affect Aurora families with teens.
• Limited Local Agent Availability: Fewer agents in Aurora may be inconvenient for Illinois drivers seeking in-person support.

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#8 – State Farm: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage Options in Aurora: State Farm provides extensive coverage, perfect for any Illinois driver who wants total protection.
• Reliable Local Agent Support: State Farm has a large agent force in Aurora that offers in-person help when needed. Check out our State Farm auto insurance review for more details.
• Drive Safe & Save Program for Discounts: Aurora drivers can save by enrolling in State Farm’s safe-driving rewards program.

Cons

• Lower Bundling Discount: State Farm’s bundling discount is less competitive, which may impact Illinois drivers seeking combined savings.
• Higher Minimum Coverage Rates: State Farm’s basic coverage tends to be more expensive, which could deter budget-conscious Aurora drivers.

#9 – Travelers: Best for Flexible Coverage

Pros

• Flexible Coverage for Aurora Drivers: Travelers offer multiple coverage add-ons, which is ideal for Aurora residents needing tailored policies.
• High Financial Stability: Travelers’ A++ rating provides confidence for Illinois drivers regarding claims reliability. To find out more, please refer to our Travelers auto insurance review.
• Discounts for Hybrid Cars: Aurora drivers with eco-friendly vehicles can benefit from discounts on their car insurance.

Cons

• Limited Local Agents in Aurora: Travelers have fewer agents in Illinois, which may not suit drivers seeking personal support.
• Higher Premiums for Young Drivers: Young Aurora drivers may find Travelers’ rates less affordable than other options in Illinois.

#10 – American Family: Best for Discount Variety

Pros

• Generous Discount Program: American Family’s bundling discount of up to 25% is valuable for Aurora, Illinois residents with multiple policies.
• User-Friendly Mobile App for Aurora Drivers: The MyAmFam app allows Aurora residents to manage insurance policies. Uncover more insights in our American Family auto insurance review.
• Teen Safe Driver Program: Aurora families with young drivers can benefit from this program, which promotes safe driving and offers discounts.

Cons

• Limited Agent Availability in Some Parts of Aurora: American Family may not have as many local agents, which may impact personal assistance.
• Higher Minimum Coverage Rates: American Family’s basic coverage premiums can be higher than other Illinois providers, which may deter budget-conscious Aurora drivers.

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Aurora, IL Auto Insurance Rates: Minimum vs Full Coverage Comparison

When shopping for auto insurance in Aurora, IL, understanding the monthly rates for different coverage levels is key. Here’s a breakdown of the top providers and their minimum and full coverage costs so you can decide on your car insurance needs.

Aurora, IL Auto Insurance Monthly Rates by Provider & Coverage Level

Comparing these minimum and full coverage rates can help you choose the best Aurora, IL, auto insurance provider for your budget and protection. Be sure to weigh your options and find the right balance of coverage and cost.

Auto Insurance Discounts From Top Providers in Aurora, IL

Finding the right discounts can greatly affect your auto insurance premiums. The top providers in Aurora, Illinois, offer various discounts that can help you save on your coverage, from safe driver discounts to bundling opportunities.

Auto Insurance Discounts From the Top Providers in Aurora, IL

By comparing the discounts these top Aurora, IL auto insurance providers offer, you can maximize your savings while securing the coverage you need. Check out each company’s unique offerings to find the best deal.

Cheap Car Insurance in Aurora, IL

Illinois auto insurance lists its minimum liability coverage as 20/40/15. Drivers searching for cheap car insurance in Aurora, IL, can find affordable rates. State Farm, Allstate, Nationwide, Mercury, and Farmers are some of Aurora, IL’s most affordable car insurance companies.

Aurora, known as “The City of Lights,” has made impressive strides since the 1960s. It started as a manufacturing town but has become one of the fastest-growing cities in the United States over the past 50 years.

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Auto Insurance Coverage Requirements in Illinois

Driving a fairly affordable car could save money on your premiums by limiting your insurance coverage to just the mandatory state minimums. But Liability doesn’t pay out on every single claim. If anything happens to your vehicle that is not deemed your fault, you’ll have to pay out of pocket, which can get very expensive very quickly.

Illinois Minimum Auto Insurance Requirements

The average Illinois motorist might get saddled with a $114 monthly premium for driving around within their state. However, Aurora motorists can insure their vehicles for as little as $32/mo*. All you have to do is ask the right questions, and you can find a great insurance company willing to offer you low Illinois auto insurance rates.

Monthly Car Insurance Premiums

If all you’re looking for is the lowest possible monthly premium, you might not want to look beyond Nationwide, Farmers, or Allstate. Keep in mind, however, that a low premium isn’t everything. What about a company’s customer and claims services? It would be best if you did your research on those elements, too.

There are various companies to research, including Illinois Vehicle Auto Insurance Aurora and more. Your living in Illinois and the city of Aurora will drastically change your rate compared with other states and towns. Other factors listed below can further alter your premiums.

Major Factors in Cheap Car Insurance in Aurora, Illinois

Many people don’t realize all the factors that affect your car insurance premium, but understanding these is crucial for finding the best rates. Below, we’ll review some key factors that impact your premium.

ZIP Code

Most of your premium comes from calculating your likelihood of getting into an accident. Your ZIP code helps determine this based on the total population where you live and, more importantly, where you drive. The higher the population and the more motorists share the road with you, the higher the likelihood of an accident.

Auto Insurance by ZIP Code

Your location is one of the biggest factors in your auto insurance rate, including the ZIP code, which tracks how likely drivers in various areas are to have accidents.

Aurora, Illinois Report Card: Auto Insurance Premium

Compare quotes from leading insurers, including Allstate, Farmers, Mercury, Nationwide, and State Farm, to find quality coverage that best meets your needs in Aurora, Illinois.

Automotive Accidents

Local accident statistics are also a reliable predictor of the likelihood of an accident. You will likely see higher premiums if your area is prone to frequent and serious accidents. Aurora drivers can rest easy since, as the chart shows, serious accidents are infrequent in the area.

Fatal Accidents in Aurora, IL

Accident statistics play a role in determining premiums, and Aurora drivers can feel at ease knowing that serious accidents are rare in the area. This helps keep auto insurance rates relatively low compared to regions with more frequent incidents.

Aurora, Illinois Auto Accident & Insurance Claim Statistics

An annual accident rate of 4.2% with an average claim amount of $3,500 is also worth knowing. Knowing these facts, since 1 in 10 drivers files a claim each year and the severity of accidents is generally moderate, be prudent and safe on the roads

Auto Thefts in Aurora

Comprehensive coverage is the only type of insurance that pays out if your car is reported stolen. However, as you can see, it is also very expensive, so most drivers use an anti-theft device instead to discourage theft.

Aurora, IL Average Monthly Auto Insurance Rates: Collision vs. Comprehensive Coverage

These devices will also help lower your insurance premiums since many Aurora, IL, auto insurance companies give them discounts. Aurora had 111 auto thefts in 2013, a decline from recent years.

Credit Score

In Illinois, like in many other states, it is legal for insurance companies to assign you a higher or lower premium based on your credit history. As you can see in the chart, drivers with excellent credit are charged substantially lower rates than those with blemishes on their credit reports.

Aurora, IL Auto Insurance Monthly Rates by Credit Score

Your credit score determines your auto insurance rates in Aurora, IL. Drivers with excellent credit can secure lower premiums, while those with poor credit may face higher rates. Be sure to compare auto insurance companies and consider your credit score to find the best coverage at an affordable price.

Age

With age comes experience. This is just as true for driving as for most other things. For many insurance providers, that experience means you are less likely to get into an accident, thus rewarding you with affordable Aurora, IL, auto insurance.

Auto Policy Age Comparison

Your age determines auto insurance rates, with experienced drivers often benefiting from lower premiums. Younger drivers may face higher costs, but comparing rates from companies like Allstate, Farmers, and Nationwide can help you find the best deals in Aurora, Illinois.

Driving Record

A speeding ticket here or a fender-bender there doesn’t necessarily make you a bad driver, but it can and often will significantly raise your rates. If you have a minor offense or two on your record, ask your insurance agent about “Accident Forgiveness” discounts. You could end up saving a lot of money if you are eligible.

Driving Violations

Your driving record plays a significant role in determining your auto insurance rates. Even minor offenses like speeding tickets can lead to higher premiums.

However, many insurance companies offer “Accident Forgiveness” discounts, which can help reduce the impact of minor violations. Be sure to discuss this with your agent to save money on your coverage potentially.

Vehicle

If you’re driving around in a used clunker or a relatively inexpensive, popular sedan, purchasing a “Cadillac Plan” from your insurance provider isn’t urgently necessary. You will need more coverage if you drive a Cadillac or other luxury vehicle. And more coverage costs money, as the chart clearly shows.

Best Aurora, IL Auto Insurance Monthly Rates by Vehicle Type

When choosing the right car insurance, consider your vehicle’s make and model. For more affordable coverage, a standard car like a Honda Accord costs significantly less than a luxury vehicle like a Porsche Boxster Spyder. Compare rates across providers to find the best coverage for your car.

Minor Factors in Cheap Auto Insurance in Aurora, Illinois

These factors affect your auto insurance rates, and while they’re harder to control, it’s important to understand them. Factors like marital status, gender, and location can still influence your monthly premium, so reading through them can help you better anticipate how they may impact your rates.

Marital Status

If your insurance company sells many different types of insurance (not just automotive), you can bundle multiple policies together for great discounts. Married couples can use this practice by bundling their auto policies with the same company.

Gender

Data shows no statistically significant difference between male and female drivers. Therefore, most insurance companies have no reason to charge one gender more than the other, and many have abandoned the practice altogether. Those still rarely charge more than a 2-3% difference.

Driving Distance to Work

Since Aurora is a suburb of Chicago, it can take a little time for workers to get where they need to go. The average commute ranges between 21-31 minutes, and carpoolers make up 3-27% of drives on the road (although the average is around 14%).

Affordable auto insurance in Aurora, Illinois, is within reach with top providers like State Farm, Allstate, and Geico offering competitive rates.

Do you drive thousands of miles each year? Are you mostly driving for business or pleasure? Insurance companies are asking these questions more and more these days. But no matter how much you drive or why, your monthly premium will only fluctuate a few dollars – unless you’re driving a business vehicle. Business vehicles can cost 10-12% more to insure than personal vehicles.

Your Coverage and Deductibles

Did you know you can lower your monthly rates or get more coverage for the same price you’re paying now by raising your deductible? If you are confident you won’t file claims soon, you can get a better value this way. But make sure you have enough saved up for if the worst happens.

Education in Aurora, IL

Some people believe that having a certain type of job or a high salary will get them better deals on automobile insurance. But do you know what works even better? Getting a higher education. Insurance companies give out big discounts for college degrees. One-fifth of the population of Aurora has a bachelor’s degree hanging on their wall, while most have not yet completed their high school education.

Aurora University is home to more than 4,000 eager, young students pursuing a variety of undergraduate and graduate degrees. It also has a Division III athletic program. For a reputable degree at an affordable price, check out Waubonsee Community College.

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Finding the Best Car Insurance in Aurora, IL: Top Providers and Affordable Rates

When shopping for car insurance in Aurora, IL, comparing rates from various providers is important to ensure you get the best deal for your needs. The city of Aurora offers a range of options, from large national providers to local car insurance companies in Aurora, Illinois. One can easily find affordable auto insurance in Aurora that suits one’s budget and requirements, whether he needs basic coverage or a more comprehensive policy.

A review of auto insurance quotes in Aurora will help consumers decide the coverage level, premiums, and discounts they prefer. Consider the reputation and customer service of car insurance companies in Aurora. These aspects are critical to the overall experience.

For those looking for affordable car insurance in Aurora, shopping around for the most competitive auto insurance rates in Aurora, IL, is essential. Many factors impact your premium, including driving history, vehicle type, and location within the city. Working with a reliable auto insurance provider in Aurora, IL, can help you navigate these factors to find the best auto insurance policy in Aurora, IL, for your unique situation.

If you’re a business owner, consider commercial auto insurance in Aurora, IL, to ensure your vehicles are properly covered for business-related activities. Whether it’s your car or a fleet of commercial vehicles, it pays to take a little time to study your options thoroughly to reap big cost savings and proper protection.

How We Conducted Our Car Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and his own home. Miles driven annually were based on the national average.

The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device. To avoid expensive auto insurance premiums, enter your ZIP code below for the cheapest rates.