Average car insurance cost in Aurora, IL

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The average car insurance cost in Aurora, Illinois is $1,476 per year, according to Insure.com data. This is $56 less than the average auto insurance cost in Illinois and $419 less than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Aurora, the average car insurance rates by age, gender and how much is car insurance in Aurora based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Aurora. Read on to learn more.

Cheap car insurance companies in Aurora

At an average of $1,017 per year with full coverage limits of 100/300/100, Auto Club Group – ACG (AAA) provides the most affordable car insurance in Aurora.

Ranked as the second most affordable company in Aurora, Travelers provides car insurance at $1,110 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Aurora that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Aurora, Illinois:

Read about the best car insurance companies.

Average car insurance cost in Aurora by coverage limits

The average car insurance rates in Aurora by coverage type are as follows:

• State minimum coverage: $482 per year (limits of 25/50/25)
• Liability-only coverage: $537 per year (limits of 50/100/50)
• Full coverage: $1,476 per year (limits of 100/300/100)
• Non-owners coverage: $315 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Aurora

In Aurora, Illinois, the average annual car insurance premium for female drivers is $1,479 per year.

While the average annual cost for male drivers is $1,473 per year, which is $6 less than what female drivers pay, according to a rate analysis by Insure.com.

According to the Insurance Information Institute, statistics demonstrate that women are generally regarded as safer drivers than men. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Aurora

In Aurora, car insurance rates are the highest for teens, at $4,834 per year or $403 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $2,449 per year for their car insurance which is $2,385 less than what the teens pay for their insurance policy.

The car insurance rates in Aurora for adult and senior drivers are $1,503 and $1,512 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Aurora

Examining the trends in car insurance rates in Aurora, Illinois it was on an downward swing from 2022 to 2023. From 2022 to 2023 rates decrease overall by 4%, or $66.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Aurora, are lower than the average insurance cost in Illinois. Shopping around and taking advantage of available discounts, drivers in Aurora can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have 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 deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.