Naperville Car Insurance

How much is auto insurance in Naperville?


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!


CAR INSURANCE RATES IN NAPERVILLE
Naperville Average (per year)Illinois AverageNational Average
$1,273$1,303$1,548

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Naperville car insurance rates by company


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.


NAPERVILLE CAR INSURANCE RATES BY COMPANY
CompanyAverage Rate (annual)
GEICO$925
State Farm$1,100
Country$1,115
American Family$1,228
Progressive$1,455

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



Naperville auto insurance premiums by age

The age bracket that pays the least for auto insurance in Naperville consists of drivers in their age_50s, who pay an average of $1,103. Those in their age_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.


CAR INSURANCE RATES BY AGE TIER IN NAPERVILLE
Age bracketAverage Annual Rate
Teenagers$4,866
20s$1,775
30s$1,239
40s$1,188
50s$1,103
60s$1,136
70s$1,404

Learn more about the impact of age on auto insurance rates.



Naperville auto insurance rates by gender and marital status


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.


INSURANCE RATES IN NAPERVILLE BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,280
Male$1,273
Single$1,147
Married$1,147
Divorced$1,273
Widowed$1,251

Learn more about the impact gender and marital status have on insurance rates.



Naperville auto insurance premiums by citation and accident history


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.


NAPERVILLE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/ViolationAverage Yearly Rate
DWI/DUI$1,986
Reckless Driving$2,049
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

Get more info on how a bad driving history can impact your car insurance costs.



Naperville auto insurance rates by credit score


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.


NAPERVILLE AUTO INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Rate (annual)
Very Poor$2,504
Fair$1,499
Good$1,273
Very Good$1,162
Exceptional$1,044

Learn more about the relationship between poor credit and car insurance.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.