Aurora, IL Car Insurance

The Zebra
July 25, 2019

Car Insurance in Aurora

Premiums in Illinois are known for being low-cost. They generally sit under the national average by 22%. Keep some money in your pocket by following the tips below about how to save on car insurance in Aurora.

  • City Average: $1,118
  • State Average: $1,120
  • National Average: $1,427

Aurora Car Insurance by Credit Rating

Individuals with Exceptional credit (800-850) usually pay $1,255 less every year for car insurance than those with Very Poor credit (300-579). In terms of percent change, the most notable benefit of better credit occurs when upgrading from Fair (580-669) to Good (670-739), by which drivers can save nearly 21% per year.

  • Very Poor: $2,244
  • Fair: $1,830
  • Good: $1,448
  • Very Good: $1,177
  • Exceptional: $989

Aurora Car Insurance by Accident or Violation History

Accidents and violations on your record can cost you in terms of premiums. Many people are lenient about obeying speed limits, but getting pulled over for driving 16-20mph over the limit costs you a whopping 20% more per year on car insurance. In Aurora, drivers with a DUI need to spend over double the average for the city to insure their vehicle. Reckless driving will also push your premiums up, with average rates of $2,543!

  • DUI: $2,417
  • Reckless Driving: $2,543
  • At-fault Accident (damages less than $1000): $1,699
  • At-fault Accident (damages greater than $2000): $1,699
  • Speeding Ticket (16-20 mph over speed limit): $1,343

Aurora Car Insurance by Age

The largest decrease in premiums between any age group is from the teenage age range to the 20s, as drivers in Aurora start saving 65%. Rates continue to trend downward up until drivers hit 60. Looking across all age groups, drivers in their 50s have the lowest car insurance premiums. Their rates usually average $964/year. With payments of $4,499 on average, teenage drivers are the ones who pay the most in car insurance premiums.

  • Teenagers: $4,499
  • 20s: $1,592
  • 30s: $1,097
  • 40s: $1,071
  • 50s: $964
  • 60s: $1,029
  • 70s: $1,251

Aurora Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Aurora is determined by several considerations, including gender and marital status. Being single can cost you around 7% more per year compared to being married. Rates for those who are widowed are a hair cheaper than rates for those who are single. Females have premiums that are a bit cheaper than those for males.

  • Female: $1,116
  • Male: $1,118
  • Single: $1,118
  • Married: $1,042
  • Divorced: $1,118
  • Widowed: $1,117

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