Explore ways to save on auto insurance in Naperville, Illinois.
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The average cost of car insurance in Naperville, Illinois, is $1,273 per year. That's less expensive than the statewide average in Illinois ($1,303) and less expensive than the national average of $1,548. Our guide to Naperville car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
|Naperville Average (per year)||Illinois Average||National Average|
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Naperville, GEICO offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Naperville below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
|Company||Average Rate (annual)|
The age bracket that pays the least for auto insurance in Naperville consists of drivers in their 50s, who pay an average of $1,103. Those in their 60s don't pay significantly more ($1,136).
The Naperville drivers facing the priciest insurance rates are teenagers. When drivers hit their 20s in Naperville and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Naperville is $3,090, the largest such difference between any two age groups.
|Age bracket||Average Annual Rate|
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Naperville pay $126 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Naperville, insurance rates for those who are widowed are less expensive than rates for those who are single.
Another component of auto insurance pricing is gender. In Naperville, female drivers pay $7 per year more than do male drivers for car insurance.
|Gender/Marital Status||Average Yearly Rate|
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Naperville drivers found guilty of reckless driving face insurance rate increases of $776 per year, compared to the citywide average. A DUI violation may lead to a $713 increase, while a citation for speeding leads to a $366 rate hike.
|Incident/Violation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,919|
|At-fault Accident (damages greater than $2,000)||$2,067|
|Speeding Ticket (16-20 mph over speed limit)||$1,639|
It's no secret credit score is closely correlated with car insurance rates. In Naperville, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 58% drop in car 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 Naperville, moving into the "Fair" credit tier corresponds to an average of $1,005 in savings on insurance each year.
|Credit Score||Average Rate (annual)|
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.