Aurora, IL Car Insurance

Learn more about how to find affordable auto insurance in Aurora.

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How much does auto insurance cost in Aurora?

 

The average cost of auto insurance in Aurora is $1,300 per year. That's cheaper than the average in Illinois ($1,303) and cheaper than the national average of $1,548. Our guide to Aurora auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

 
AURORA AUTO INSURANCE RATES
Aurora Average (annual)Illinois AverageNational Average
$1,300$1,303$1,548
 
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Aurora car insurance rates by company

 

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Aurora, GEICO offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in Aurora — but don't forget to get personalized car insurance quotes to match your driving profile.

 
AURORA CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
GEICO$905
Country$1,125
State Farm$1,164
American Family$1,249
Progressive$1,447
 

Consult our expert guide to finding the best cheap car insurance.

 

Aurora auto insurance rates by age

Aurora drivers in their 50s pay relatively affordable car insurance rates just $1,129 each year, on average. Drivers in their 60s pay marginally higher rates — $1,160 per year.

Teen drivers pay Aurora's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Aurora is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Aurora is $3,149. That's the biggest gap in premiums between any pair of age brackets.

 
AURORA CAR INSURANCE RATES BY DRIVER AGE
Age tierAverage Annual Rate
Teens$4,961
20s$1,811
30s$1,266
40s$1,215
50s$1,129
60s$1,160
70s$1,431
 

Learn more about how age influences auto insurance rates.

 

Aurora auto insurance premiums by gender and marital status

 

Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers usually pay less for car insurance than their single counterparts. In Aurora, married motorists pay $127 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Aurora, single drivers pay more than those who are widowed.

Gender is another factor that can influence auto insurance rates. In Aurora, female drivers pay $7 per year more than do male drivers for car insurance.

 
AURORA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,307
Male$1,300
Single$1,173
Married$1,173
Divorced$1,300
Widowed$1,278
 

Learn more about how gender and marital status have on car insurance rates.

 

Aurora auto insurance costs by accident and citation history

 

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Aurora drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $785 per year versus the city average. A ticket for speeding results in a $372 rate hike while a DWI or DUI violation costs $720per year in extra insurance expenditures.

 
AURORA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DWI/DUI$2,020
Reckless Driving$2,084
At-fault Accident (damages < $1,000)$1,948
At-fault Accident (damages greater than $2,000)$2,102
Speeding Ticket (16-20 mph over speed limit)$1,672
 

Learn more about citations' impact on your auto insurance rates.

 

Aurora car insurance rates by credit level

 

One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In fact, Aurora drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 58% decrease in their auto insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Aurora, moving into the "Fair" credit tier corresponds to an average of $1,025 in savings on insurance each year.

 
AURORA AUTO INSURANCE RATES BY CREDIT TIER
Credit LevelAverage Annual Rate
Very Poor$2,556
Fair$1,531
Good$1,300
Very Good$1,186
Exceptional$1,066
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.