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How much is car insurance in Naperville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Naperville are in line with rates across the rest of Illinois.
Conversely, when compared to the national average, the cost for auto insurance in Naperville is lower. It's about $29 cheaper to insure your vehicle in Naperville compared to the average rate for the U.S. as a whole.
These may be the average auto insurance rates for Naperville, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Naperville and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may begin to increase again in Naperville.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Naperville, although men do pay slightly less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Naperville, drivers with one accident on their record will experience rates around $46 a month. In addition, drivers with a single ticket on their record can expect to pay around $59 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$54|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Naperville, with drivers paying around $47 per month for insurance coverage.
Car owners can expect to pay an average of around $53 a month for their policy, while SUVs usually cost around $49 a month to insure.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. In Naperville, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Naperville can be as much as $21 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$63|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $1 a month more than if you own your own home in Naperville. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Naperville, IL
Recent trends in car insurance for Naperville drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Naperville, the rates for auto insurance went up from 2017-2018 -- where they reached a high of $66 -- before leveling out in 2019. Car insurance rates rose again in 2020, and finished down at $28 in 2022.
How does Naperville compare to neighboring areas?
Why are car insurance rates in Naperville different from other areas?
Car insurance companies will take into account a number of factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Road Safety (how many accidents each locality has)
- Local laws
- Access to off-street parking
- Total number of drivers in the region
- Regional crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Naperville?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Naperville.
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Naperville Insurance FAQs
What factors affect car insurance quotes in Naperville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Naperville different from other neighboring cities?
Crime rates, parking situations, and local laws -- 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 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 Naperville?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Naperville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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