Naperville Car Insurance

The Zebra
May 30, 2018

Car Insurance in Naperville

Naperville has premiums that are relatively consistent with Illinois' average, as they are within $10 of one another. Keep some money in your pocket by following the tips below about how to save on car insurance in Naperville.

  • City Average: $1,110
  • State Average: $1,120
  • National Average: $1,427

Naperville Car Insurance by Credit Rating

The disparity between average car insurance premiums in Naperville for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $1,255/year. Drivers will see the largest percent reduction in premiums when they raise their credit from Fair (580-669) to Good (670-739). That change can save them 21% per year.

  • Very Poor: $2,236
  • Fair: $1,822
  • Good: $1,440
  • Very Good: $1,169
  • Exceptional: $981

Naperville Car Insurance by Age

Among all age groups, drivers in their 50s have the smallest car insurance rates, with rates of $954. Drivers in Naperville see the most significant decline in premiums when they hit their 20s, as they save an average of 65% from moving out of the teenage age bracket. Insurance rates for drivers in Naperville continue to decrease through their 50s, but they can anticipate a change when they hit 60. With average car insurance payments of $4,468, teenage drivers have the biggest premiums amongst all the age groups.

  • Teenagers: $4,468
  • 20s: $1,584
  • 30s: $1,089
  • 40s: $1,062
  • 50s: $954
  • 60s: $1,022
  • 70s: $1,240

Naperville Car Insurance by Gender and Marital Status

In Naperville, marital status and gender can have an effect on your car insurance premiums. Rates for those who are widowed are a hair cheaper than rates for those who are single. Married individuals save roughly 7% per year compared to those who are single or divorced. Premiums for women tend to be cheaper than for men, but not by much.

  • Female: $1,108
  • Male: $1,110
  • Single: $1,110
  • Married: $1,035
  • Divorced: $1,110
  • Widowed: $1,109

Ready to start saving?

Naperville Car Insurance by Accident or Violation History

Having a clean driving record is important if you want to keep your car insurance rates low. Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Naperville need to spend over double the average for the city to insure their vehicle. Reckless driving will also drive your premiums up, with typical rates of $2,519! Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. You can expect your annual car insurance premiums to rise by 52% if you are found at-fault in an accident in Naperville.

  • DUI: $2,391
  • Reckless Driving: $2,519
  • At-fault Accident (damages less than $1000): $1,687
  • At-fault Accident (damages greater than $2000): $1,687
  • Speeding Ticket (16-20 mph over speed limit): $1,331

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