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How much is car insurance in Naperville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Naperville as it is in the rest of Illinois.
Drivers relocating from out of state may enjoy some cost savings in Naperville. You can expect to pay about $28 below the national average for auto insurance in Naperville.
While these numbers are the average rates for auto insurance in Naperville, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down average rates for Naperville residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may rise again in Naperville.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Naperville, however, men actually pay slightly less than female drivers for car insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Naperville with a single accident on their record is about $48 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $68.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$57|
In terms of affordable coverage, the cheapest vehicles to insure in Naperville are by and large SUVs, at $47 per month.
Car owners can expect to pay an average of around $53 a month for their policy, while truck and van drivers are usually around $49 to insure each month.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Naperville, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Naperville, with married couples paying about $21 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $1 a month less than drivers who own property in Naperville. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Naperville, IL
Recent trends in car insurance for Naperville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
The rates for car insurance in Naperville rose from 2016-2018, where they reached a high of $66, before leveling out in 2019. Rates increased once again in 2020, and have continued rising through 2021, where they hit $58 a month.
How does Naperville compare to neighboring areas?
Why are car insurance rates in Naperville different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Off-street parking accessibility
- Road Safety (how many accidents each locality has)
- Community regulations
- Number of drivers
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Naperville?
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.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Naperville.
Naperville Insurance FAQs
What factors affect car insurance quotes in Naperville?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender 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 Naperville different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Naperville?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Naperville?
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 Naperville 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.