+120 more*These quotes are from Compare.com users in and around Naperville, Illinois within the last 10 days. Updated on November 2, 2026
*These quotes are from Compare.com users in and around Naperville, Illinois within the last 10 days. Updated on November 2, 2026
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Melanie Lockert is a personal finance and insurance writer who has been writing for Compare.com since 2023. Her work has also appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She’s also the founder of the blog and author of the book, “Dear Debt” in which she chronicled her journey out of $81,000 of student loan debt.
Melanie is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast.
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5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
Updated
Drivers in Naperville, Illinois, pay an average of $117 per month for car insurance, compared to the national average of $144 per month. Naperville tends to have lower crime and accident rates than nearby Chicago, which helps keep insurance premiums affordable.[1]
If you’re looking for cheap car insurance in Naperville, many insurance companies offer rates far below the city’s average. For example, Auto-Owners, State Farm, and Progressive have the cheapest rates in Naperville, with rates starting at $44 per month.
We’ll tell you the most affordable car insurance options for various drivers in Naperville and how to reduce your car insurance costs.
Auto-Owners has the lowest average car insurance rates in Naperville, at $44 per month.
The average car insurance rate in Naperville is $85 per month for liability-only coverage and $149 for full coverage.
Illinois drivers must have 25/50/20 of liability coverage plus 25/50 of uninsured motorist coverage.[2]
While average rates can give you a good idea of car insurance costs, you can always find ways to save. Discounts and comparing rates from several companies are two easy ways to save money on your car insurance.
Below, you’ll find the cheapest car insurance companies in Naperville, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $44 |
| State Farm | $48 |
| Progressive | $62 |
| Certainly | $63 |
| Country Financial | $66 |
| Direct Auto | $68 |
| The General | $68 |
| Allstate | $70 |
| GEICO | $70 |
| Erie | $72 |
| First Chicago | $73 |
| USAA | $77 |
| GAINSCO | $80 |
| Safeco | $80 |
| American Family | $83 |
| Bristol West | $87 |
| Mercury | $88 |
| National General | $88 |
| Freedom National | $94 |
| Elephant | $97 |
| Clearcover | $99 |
| First Acceptance | $101 |
| Dairyland | $102 |
| Travelers | $105 |
| Insurify Car | $108 |
| Farmers | $112 |
| Root | $112 |
| Liberty Mutual | $114 |
| Mendota | $121 |
| Hugo | $122 |
| State Auto | $148 |
Auto-Owners is the cheapest company for car insurance in Naperville, with rates starting at $44 per month.
Below, we break down the cheapest car insurance options for different drivers and coverage types.
Compare rates from top insurers starting at $44 per month.
The auto insurance companies listed above are a solid starting point if you’re looking for cheap car insurance in Naperville. But your insurance premiums can vary significantly by numerous factors, like driving record, gender, address, vehicle make and model, and more.
Here are the cheapest insurance companies in Naperville for a range of driver backgrounds and coverage options, based on Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $44 |
| Full coverage | Auto-Owners | $78 |
| Teens | Auto-Owners | $91 |
| Seniors | Auto-Owners | $34 |
| Drivers with a speeding ticket | Auto-Owners | $58 |
| Drivers with an at-fault accident | Auto-Owners | $60 |
| Drivers with a DUI | Auto-Owners | $64 |
| Drivers with excellent credit | Auto-Owners | $34 |
| Drivers with poor credit | Auto-Owners | $66 |
The average monthly rate for state-minimum coverage in Naperville is $85, according to Compare.com data. While each state has different limits for liability insurance, many experts recommend getting even more coverage.
Having more coverage than state law requires gives you more financial protection if you’re in an accident. Minimum coverage could leave you vulnerable if you cause more damage than your policy covers.
But if you want only minimum-coverage car insurance, the chart below lists the cheapest options in Naperville, according to our research.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $44 |
| State Farm | $48 |
| Progressive | $62 |
| Certainly | $63 |
| Country Financial | $66 |
| Direct Auto | $68 |
| The General | $68 |
| Allstate | $70 |
| GEICO | $70 |
| Erie | $72 |
| First Chicago | $73 |
| USAA | $77 |
| GAINSCO | $80 |
| Safeco | $80 |
| American Family | $83 |
| Bristol West | $87 |
| Mercury | $88 |
| National General | $88 |
| Freedom National | $94 |
| Elephant | $97 |
| Clearcover | $99 |
| First Acceptance | $101 |
| Dairyland | $102 |
| Travelers | $105 |
| Insurify Car | $108 |
| Farmers | $112 |
| Root | $112 |
| Liberty Mutual | $114 |
| Mendota | $121 |
| Hugo | $122 |
| State Auto | $148 |
Liability coverage provides the basics, but you should consider full-coverage car insurance for more protection. Full-coverage policies typically include liability, collision, and comprehensive coverage. Collision and comprehensive insurance help cover damages from car accidents, theft, and severe weather.[3]
Our data shows that the average rate for full-coverage car insurance in Naperville is $149 per month. While full coverage is usually more expensive, several insurers offer it for close to the average liability rate in Naperville.
While you don’t need full coverage to legally drive, lenders and leasing companies typically require you to have it if you finance or lease your car.
The chart below shows the five cheapest insurance companies in Naperville for full-coverage car insurance, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $78 |
| State Farm | $84 |
| Country Financial | $118 |
| Progressive | $122 |
| Safeco | $122 |
| Erie | $129 |
| GEICO | $133 |
| Direct Auto | $136 |
| USAA | $137 |
| Allstate | $141 |
| American Family | $147 |
| Mercury | $148 |
| Elephant | $167 |
| The General | $168 |
| National General | $169 |
| Certainly | $170 |
| Root | $176 |
| First Chicago | $178 |
| Liberty Mutual | $182 |
| Clearcover | $186 |
| Travelers | $187 |
| Bristol West | $194 |
| Farmers | $200 |
| Freedom National | $200 |
| GAINSCO | $211 |
| Mendota | $230 |
| First Acceptance | $241 |
| State Auto | $263 |
| Dairyland | $266 |
Teens pay some of the highest car insurance rates of any age group. Younger drivers lack experience and have riskier driving behaviors, so insurers charge more to cover them.[4] Motor vehicle crashes are also one of the leading causes of death for teens, according to the Centers for Disease Control and Prevention (CDC).[5]
The average car insurance rate for teens in Naperville is $232 per month, according to our research. Though premiums may be high, you can get cheaper coverage with discounts and safe driving programs.
Here are the cheapest options for car insurance for Naperville teens, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $91 |
| State Farm | $96 |
| Country Financial | $108 |
| Progressive | $123 |
| Certainly | $125 |
| The General | $128 |
| GEICO | $132 |
| Erie | $136 |
| Direct Auto | $137 |
| Allstate | $139 |
| First Chicago | $145 |
| GAINSCO | $145 |
| USAA | $146 |
| Bristol West | $160 |
| American Family | $162 |
| Mercury | $166 |
| Clearcover | $169 |
| Safeco | $170 |
| Root | $177 |
| National General | $180 |
| Dairyland | $183 |
| Elephant | $185 |
| Freedom National | $187 |
| First Acceptance | $200 |
| Liberty Mutual | $208 |
| Insurify Car | $214 |
| Travelers | $224 |
| Farmers | $231 |
| Mendota | $240 |
| Hugo | $242 |
| State Auto | $360 |
Seniors usually have plenty of driving experience, which translates to some of the cheapest car insurance rates of any age group. Data shows that accident rates typically go down as you age, so insurers typically charge older drivers less for coverage.[6]
Naperville seniors pay an average of $96 per month for car insurance, according to Compare.com data. But even with these already low rates, you could find even cheaper coverage from one of the companies below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $34 |
| State Farm | $37 |
| Progressive | $51 |
| Country Financial | $51 |
| Certainly | $52 |
| Erie | $54 |
| Direct Auto | $54 |
| GEICO | $54 |
| The General | $56 |
| Allstate | $57 |
| First Chicago | $60 |
| USAA | $61 |
| American Family | $64 |
| GAINSCO | $67 |
| National General | $67 |
| Mercury | $67 |
| Safeco | $68 |
| Bristol West | $71 |
| Elephant | $76 |
| Freedom National | $77 |
| Travelers | $82 |
| First Acceptance | $83 |
| Dairyland | $84 |
| Clearcover | $85 |
| Farmers | $86 |
| Insurify Car | $89 |
| Liberty Mutual | $92 |
| Mendota | $99 |
| Hugo | $100 |
| Root | $101 |
| State Auto | $108 |
If you get a speeding ticket, your rates will likely go up when you renew your policy. Insurance companies raise your premiums after a ticket because it increases your likelihood of filing a claim. Our research shows that a single speeding ticket increases average rates by 37% nationwide.
Naperville drivers with a recent speeding ticket pay an average of $152 per month for car insurance. But the good news is that several insurers offer lower rates.
The chart below shows Naperville’s five cheapest car insurance companies for drivers with a recent ticket, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $58 |
| State Farm | $62 |
| Progressive | $81 |
| Certainly | $82 |
| Direct Auto | $87 |
| Country Financial | $89 |
| Allstate | $91 |
| The General | $92 |
| GEICO | $93 |
| First Chicago | $95 |
| Erie | $96 |
| GAINSCO | $98 |
| USAA | $101 |
| Safeco | $107 |
| American Family | $109 |
| National General | $112 |
| Bristol West | $112 |
| Elephant | $121 |
| Freedom National | $122 |
| Mercury | $123 |
| Clearcover | $128 |
| Dairyland | $129 |
| First Acceptance | $131 |
| Root | $136 |
| Travelers | $138 |
| Insurify Car | $140 |
| Farmers | $146 |
| Liberty Mutual | $147 |
| Mendota | $157 |
| Hugo | $158 |
| State Auto | $198 |
Getting into a car accident can substantially increase your car insurance rates because insurers consider you more likely to file future claims after an at-fault accident. Our research shows that a single at-fault accident causes average rates to increase by 41% nationwide.
Drivers in Naperville with a recent accident have an average monthly rate of $161 for auto insurance. But you can find cheaper coverage if you know where to look.
Check out these five insurers offering the cheapest car insurance for Naperville drivers with a recent accident, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $60 |
| State Farm | $65 |
| Progressive | $85 |
| Certainly | $87 |
| Country Financial | $93 |
| Direct Auto | $95 |
| GEICO | $95 |
| The General | $95 |
| Allstate | $96 |
| Erie | $99 |
| First Chicago | $101 |
| GAINSCO | $105 |
| USAA | $106 |
| Safeco | $114 |
| American Family | $115 |
| Bristol West | $118 |
| National General | $120 |
| Freedom National | $130 |
| Elephant | $130 |
| Mercury | $133 |
| Dairyland | $137 |
| First Acceptance | $139 |
| Clearcover | $143 |
| Root | $144 |
| Travelers | $145 |
| Insurify Car | $149 |
| Farmers | $154 |
| Liberty Mutual | $155 |
| Mendota | $167 |
| Hugo | $168 |
| State Auto | $208 |
Driving under the influence (DUI) not only puts you at risk but also endangers other drivers and pedestrians. Because of that, a DUI conviction typically causes the sharpest increase in auto insurance premiums of any incident — a staggering 61% nationwide, according to our data.
Naperville drivers with a DUI pay an average of $173 per month for car insurance. But while these rates are high, you can often find cheaper coverage from an insurer specializing in high-risk drivers.
Here are the five cheapest car insurance companies in Naperville for drivers with a DUI conviction, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $64 |
| State Farm | $70 |
| Progressive | $92 |
| Certainly | $93 |
| Country Financial | $93 |
| The General | $96 |
| Direct Auto | $99 |
| GEICO | $103 |
| Allstate | $104 |
| Erie | $104 |
| First Chicago | $108 |
| USAA | $112 |
| American Family | $116 |
| GAINSCO | $117 |
| Bristol West | $127 |
| National General | $128 |
| Safeco | $128 |
| Mercury | $135 |
| Freedom National | $139 |
| Clearcover | $139 |
| Elephant | $141 |
| Dairyland | $149 |
| First Acceptance | $149 |
| Travelers | $153 |
| Insurify Car | $160 |
| Farmers | $163 |
| Root | $163 |
| Liberty Mutual | $166 |
| Mendota | $179 |
| Hugo | $180 |
| State Auto | $207 |
Many states, including Illinois, allow insurance companies to use your credit history when setting rates. Insurers calculate a credit-based insurance score to predict your likelihood of filing a claim.[7] Our research shows that drivers with poor credit pay 20% more for auto insurance than drivers with excellent credit.
The average monthly auto insurance rate for drivers in Naperville with poor credit is $146. Though rates may be higher, not all companies use credit, and you can still score lower rates regardless of your credit history.
The chart below shows the five cheapest insurers for Naperville drivers with poor credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $66 |
| State Farm | $70 |
| Progressive | $78 |
| Certainly | $79 |
| Country Financial | $81 |
| GEICO | $82 |
| Direct Auto | $84 |
| The General | $84 |
| Allstate | $88 |
| First Chicago | $91 |
| USAA | $96 |
| GAINSCO | $99 |
| Safeco | $99 |
| American Family | $101 |
| Erie | $105 |
| Mercury | $107 |
| Bristol West | $108 |
| National General | $109 |
| Freedom National | $118 |
| Elephant | $120 |
| Clearcover | $123 |
| Travelers | $125 |
| First Acceptance | $126 |
| Dairyland | $126 |
| Farmers | $132 |
| Insurify Car | $135 |
| Liberty Mutual | $136 |
| Root | $139 |
| Mendota | $151 |
| Hugo | $153 |
| State Auto | $186 |
Get quotes from Naperville’s cheapest insurers, including Auto-Owners, State Farm, and Progressive.
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Illinois, like most other states, requires all drivers to have minimum liability insurance to legally drive. Illinois drivers must have:
Bodily injury liability: You must have at least $25,000 per person and $50,000 per accident to cover injuries you cause to another driver or their passengers.
Property damage liability: You’ll need at least $20,000 per accident to cover damage you cause to another vehicle.
Uninsured motorist liability: You’ll need to buy a minimum of $25,000 per person and $50,000 per accident to cover damages if a driver without insurance hits you. If you buy higher levels of uninsured motorist bodily injury coverage, you may also need underinsured motorist bodily injury coverage.
Many experts recommend buying more than minimum-coverage insurance. Additional coverage can help you avoid issues if injuries or damages you cause exceed your policy limits. For example, if you cause $40,000 in damage to another vehicle, Illinois’ minimum requirements would only cover $20,000. You’d have to pay the remaining $20,000 out of pocket.
If you finance or lease your car, your lender typically requires you to have collision and comprehensive coverage. Gap insurance can also help cover the difference between the remaining balance on your auto loan and the value of your vehicle.
If you’re shopping for a car insurance policy in Naperville, we’re here to help. Here are the answers to some common questions from drivers about car insurance.
The average cost of car insurance in Naperville is $117 per month, according to Compare.com data. Liability insurance costs an average of $85 per month, and full coverage costs $149 per month.
The cheapest auto insurance company in Naperville is Auto-Owners, with rates starting at $44 per month, according to Compare.com data. That said, your rates depend on many factors, like your location, driving record, and coverage type.
It depends. Many factors determine how much you pay for car insurance, including your location, age, and driving record. Naperville drivers pay an average of $117 per month for car insurance, compared to the national average rate of $144 per month, according to Compare.com data.
Auto-Owners is the cheapest car insurance company in Illinois, with rates starting at $48 per month, according to Compare.com data. But your insurance rates can vary by factors like your age, driving history, location, and more.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
Melanie Lockert is a personal finance and insurance writer who has been writing for Compare.com since 2023. Her work has also appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She’s also the founder of the blog and author of the book, “Dear Debt” in which she chronicled her journey out of $81,000 of student loan debt.
Melanie is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast.
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.