Home Car insurance Average car insurance cost Car insurance rates by state Illinois Aurora, IL Average car insurance cost in Aurora, Illinois Car insurance in Aurora costs an average of $1,476 per year, with Auto Club Group - ACG (AAA) offering the lowest rate at $1,017 annually. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: August 20, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Our analysis shows that drivers in Aurora pay about $1,476 per year for car insurance. It is $56 less than the Illinois average and $419 less than the nationwide average. Graph Table City average ratesState average ratesNational average cost$1,476$1,532$1,895Powered by: Where you live plays a big role in how much you pay for car insurance. Areas with high population density, theft and accident rates tend to have higher premiums. Comparing car insurance rates in Aurora to state and national averages can help you determine if you’re getting a good deal or if it’s time to explore other options. Below, we outline local trends, rate differences and ways to save.Key TakeawaysOn average, drivers in Aurora pay around $1,476 per year for car insurance.The most affordable car insurance company is Auto Club Group – ACG (AAA), with an average annual rate of $1,017.Young adults in Aurora can expect to pay about $2,449 annually for full coverage.Cheap car insurance companies in AuroraAuto Club Group – ACG (AAA) offers the most affordable full coverage car insurance in Aurora, at $1,017 annually, with coverage limits of $100,000 in bodily injury per person, $300,000 total per accident, and $100,000 for property damage.Travelers offers the second-lowest rate in Aurora, with an average yearly premium of $1,110.Car insurance rates vary by company because each insurer uses its own method to assess risk and determine premiums. That’s why it’s smart to compare quotes from different providers to find coverage that fits your needs and budget.The table below shows the average annual and monthly car insurance rates for various car insurance companies in Aurora. Affordable car insurance providers in Aurora Graph Table Company NameAverage annual costAverage monthly costAuto Club Group – ACG (AAA)$1,017$85Travelers$1,110$93GEICO$1,195$100Auto Owners$1,280$107Erie Insurance$1,391$116Country Financial$1,456$121Progressive$1,484$124State Farm$1,678$140Allstate$2,589$216USAA*$1,558$130*USAA is only available to military community members and their families.Powered by: Read about the best car insurance companies.Average car insurance cost in Aurora by coverage limitsHere’s a breakdown of average car insurance rates in Aurora by coverage type.State minimum coverage: $482 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).Liability only coverage: $537 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).Full coverage: $1,476 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).Non-owners coverage: $315 per yearMost states require drivers to purchase minimum liability insurance to drive legally, but the minimum required limits vary. This coverage helps pay for injuries or damage you cause to others in an accident.However, a liability-only policy won’t cover damage to your car or medical expenses if you’re at fault. You’ll need to add collision and comprehensive coverage to your policy to protect your car.Average car insurance rates by gender in AuroraFemale drivers in Aurora pay about $1,479 per year for car insurance, while male drivers spend $1,473, which is $6 less than what females pay.Gender is commonly used to calculate premiums in most states, but some states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania, don’t allow insurers to use gender to calculate premiums.According to the Insurance Information Institute, or Triple-I, women generally demonstrate safer driving habits and are less likely to be involved in severe accidents. Insurers account for this elevated risk, resulting in increased insurance premiums for male drivers.Read more on how gender affects car insurance rates.Average car insurance rates by age in AuroraTeen drivers in Aurora face the highest car insurance rates, at $4,834 per year or $403 per month. According to the Insurance Information Institute, insurance costs are higher for teens aged 16 to 19 due to their increased risk of accidents and limited driving experience. On average, teen drivers pay $2,385 more for car insurance than young adults.Car insurance premiums typically drop as teens age and gain more experience behind the wheel. On average, young adults (ages 20 to 24) pay $2,449 annually for coverage – that’s $2,385 less than what teens usually pay.Adults between 25 and 55 and senior drivers between 60 and 75 in Aurora pay an average of $1,503 and $1,512 per year for car insurance, respectively.Read more on auto insurance for seniors.The table below shows the average annual full coverage car insurance rates for drivers of different age groups. Car insurance rates by age groups in Aurora Graph Table Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)$4,834$2,449$1,503$1,512Powered by: Car insurance rate trends in AuroraCar insurance premiums in Aurora showed a downward trend between 2022 and 2023, with average rates changing by 4% or about $66.The graph below tracks insurance costs from 2016 to 2023, highlighting long-term trends that help explain today’s rate changes. How car insurance rates are changing in Aurora Graph Table 2016 rates2019 rates2022 rates2023 rates$955$1,461$1,542$1,476Powered by: How drivers can save on insurance even with higher ratesCar insurance rates in Aurora are lower than the Illinois state average. Drivers can get affordable insurance rates by shopping around and comparing quotes from at least three to five insurance companies. You should also look for available discounts, such as a safe driver discount, low mileage and bundling discounts.Sources:Insurance Information Institute. “What determines the price of my auto insurance policy.” Accessed August 2025.Insurance Information Institute. “Auto insurance for teen drivers.” Accessed August 2025.Insurance Information Institute. “Senior driving safety and tips.” Accessed August 2025.MethodologyInsure.com commissioned car insurance rates in 2023 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:$100,000 bodily injury per person$300,000 bodily injury per accident$100,000 property damage per accident$500 comprehensive and collision deductibleThe quoted insurance rates are for comparison purposes, and your rates may vary. How much is car insurance in other cities?ChicagoJolietNapervilleRockfordShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in AuroraAverage car insurance cost in Aurora by coverage limitsAverage car insurance rates by gender in AuroraAverage car insurance rates by age in AuroraCar insurance rate trends in AuroraHow drivers can save on insurance even with higher ratesMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330