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How much is car insurance in Aurora?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Aurora are in line with rates across the rest of Illinois.
On the flip side, the expected monthly payments for an auto insurance policy in Aurora are below the national average. You can expect to pay about $29 below the national average for auto insurance in Aurora.
While these numbers are the average rates for auto insurance in Aurora, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down the average rate for Aurora residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may creep back up in Aurora.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The price to insure your car in Aurora, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Aurora, drivers with one accident on their record will experience rates around $60 a month. Likewise, drivers with one ticket will be looking at a rate of around $82 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$73|
|15 Years or Older||$54|
According to the first table above, the cheapest vehicles to insure in Aurora are by and large trucks and vans, at $47 per month.
Car and SUVs, however, both cost about the same amount for auto insurance -- around $52 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Aurora, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Generally speaking, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Aurora follows that pattern, with the difference totaling to around $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
One other element taken into consideration is your living accommodations. In Aurora, homeowners can expect to pay around $12 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Aurora, IL
Recent trends in car insurance for Aurora drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Aurora, car insurance rates have been steadily increasing, reaching a high of $74 in 2021.
How does Aurora compare to neighboring areas?
Why are car insurance rates in Aurora different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Availability of off-street parking
- Road Safety (frequency of car accidents)
- Regional regulations
- Number of drivers in the community
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Aurora?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Aurora.
Aurora Insurance FAQs
What factors affect car insurance quotes in Aurora?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Aurora different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Aurora?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Aurora?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Aurora or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?