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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 Average (annual)||Illinois Average||National Average|
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.
|Insurer||Average Yearly Rate|
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.
|Age tier||Average Annual Rate|
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.
|Gender/Marital Status||Average Annual Rate|
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.
|Incident/Violation||Average Annual Rate|
|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|
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.
|Credit Level||Average Annual Rate|