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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 the costs for coverage in Aurora are in line with rates across the rest of Illinois.
Compared to the rest of the country, auto insurance in Aurora is more affordable. You can expect to pay about $30 below the national average for auto insurance in Aurora.
Although these are the average rates for auto insurance in Aurora, that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't worry, we've done the work for you and broken down average rates for Aurora to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $42 more than drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may climb back up in Aurora.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Aurora, the difference comes out to about $4 per month. Based on the chart above, you can see that male drivers pay $53 on average, while female drivers typically pay $49 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay significantly less than those with infractions. The rate for drivers in Aurora with a single accident on their record is about $60 a month. In addition, drivers with one ticket can expect to pay around $72 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$54|
As you can see in the first table above, the cheapest vehicles to insure in Aurora are by and large trucks and vans, which run about $43 per month.
Car owners can expect to pay an average of around $52 a month for their policy, while SUVs usually cost around $50 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Aurora, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Aurora as well, where the difference is around $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Another factor that comes into play is your housing status. If you rent your home or apartment in Aurora, expect to pay around $12 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Aurora, IL
Recent trends in car insurance for Aurora drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The cost of auto insurance in Aurora went up from 2017-2018, before steadying out in 2019. They increased again, hitting a high of $66 in 2021, and finished down at $31 in 2022.
How does Aurora compare to neighboring areas?
Why are car insurance rates in Aurora different from other areas?
Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Off-street parking accessibility
- Road Safety (frequency of local car accidents)
- Crime levels
- Community regulations
- Amount of drivers in the community
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Aurora?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Aurora.
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Aurora Insurance FAQs
What factors affect car insurance quotes in Aurora?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Aurora different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Aurora?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Aurora?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Aurora or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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