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If you're looking for the best and cheapest car insurance in Aurora, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Aurora and prepared this guide for you.

The average cost of auto insurance in Aurora for full coverage is $1,377 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Aurora. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Aurora

According to a study by Insurance.com, the cheapest car insurance companies in Aurora for 2023 are Geico and Nationwide.

Geico is the cheapest option for most Aurora drivers, with an average annual rate of $788.

Car insurance cost may vary in Aurora based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Aurora

CompaniesAverage Annual Rates
Geico$788
Nationwide$1,030
Auto-Owners$1,040
Travelers$1,088
State Farm$1,157
American Family$1,176
Mercury Insurance$1,178
Erie Insurance$1,198
USAA$1,212
Progressive$1,350
Farmers$1,396
Auto Club Enterprises (AAA)$1,989
Automobile Club MI (AAA)$2,331
Allstate$2,341

Cheapest car insurance cost in Aurora by Age Group

The cheapest auto insurance company in Aurora for teen drivers is Erie Insurance. For full coverage, its average annual rate for Aurora drivers is $2,882. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

Geico is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Aurora at about $1,348 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Aurora is the Geico. Its average rate for a full coverage car insurance policy is $834 per year.

If you are a senior driver in Aurora and looking for a cheap car insurance company, then consider buying insurance from the Geico. It is the cheapest auto insurance company for senior drivers with an average premium of $747 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$2,315$2,356$6,421$4,046
American Family$1,201$1,220$4,154$2,022
Auto Club Enterprises (AAA)$2,028$1,856$12,139$4,674
Auto-Owners$1,071$1,075$3,417$1,932
Automobile Club MI (AAA)$2,471$2,324$9,484$4,853
Erie Insurance$1,241$1,314$2,882$2,067
Farmers$1,431$1,413$8,211$2,950
Geico$834$747$3,367$1,348
Mercury Insurance$1,307$1,378$7,434$3,007
Nationwide$1,063$1,011$4,458$1,979
Progressive$1,399$1,502$6,493$2,635
State Farm$1,198$1,128$3,944$2,167
Travelers$1,135$1,152$5,149$1,866
USAA$1,260$1,191$4,465$2,064

Cheapest car insurance companies in Aurora by driver profile

Car insurance rates in Aurora vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

To find the cheapest car insurance company in Aurora, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.

Here are some of the cheapest car insurance companies in Aurora based on driver profile.

Cheapest for a driver with poor credit: Nationwide

The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Aurora drivers at about $1,382 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
Nationwide$1,382
Geico$1,516
Mercury$1,539
Travelers$1,700
American Family$1,909
USAA$2,032
Farmers$2,241
State Farm$2,278
Progressive$2,608
Erie$2,769
Auto-Owners$3,045
Allstate$3,331
Auto Club Entreprises$3,400
Automobile Club of MI$4,347

Cheapest for drivers with a speeding ticket: State Farm

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Aurora. It offers full coverage car insurance for drivers age 30 at about $1,150 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
State Farm$1,150
Auto-Owners$1,184
Geico$1,204
Erie$1,321
Nationwide$1,342
American Family$1,455
Travelers$1,461
USAA$1,574
Mercury$1,597
Farmers$1,908
Progressive$1,912
Allstate$3,032
Auto Club Entreprises$3,054
Automobile Club of MI$3,825

Cheapest auto insurance after an at-fault accident: American Family

American Family is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Aurora is $1,088. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
American Family$1,088
Geico$1,242
State Farm$1,252
Auto-Owners$1,329
Travelers$1,557
Nationwide$1,578
Erie$1,644
USAA$1,856
Progressive$2,109
Farmers$2,112
Mercury$2,291
Auto Club Entreprises$3,438
Automobile Club of MI$3,781
Allstate$4,299

Cheapest auto insurance after a DUI: State Farm

State Farm is the carrier that offers cheap auto insurance rates in Aurora for drivers after a DUI. Its average annual rate for full coverage is $1,150.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
State Farm$1,150
American Family$1,455
Mercury$1,534
Progressive$1,587
Geico$1,649
Travelers$1,685
Erie$1,964
Farmers$1,989
Nationwide$2,028
Auto-Owners$2,029
USAA$2,597
Auto Club Entreprises$3,512
Allstate$3,646
Automobile Club of MI$7,219

Average car insurance cost in Aurora

The average car insurance rate in Aurora for full coverage is $1,377 per year or $115 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Aurora is $480 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,377$480

Methodology

Insurance.com commissioned 2022 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2022.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Illinois

Bloomington
$1,187/year
Crest Hill
$1,526/year
Crystal Lake
$1,293/year
Decatur
$1,320/year
Des Plaines
$1,585/year
Elgin
$1,388/year
Joliet
$1,468/year
Mount Carmel
$1,293/year

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