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Cheapest car insurance in Naperville, Illinois

Illinois requires minimum liability coverage of 25/50/20, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Fair credit bracket.

Filed per-carrier data
Methodology → All of Illinois →

Pulled directly from carrier rate filings for this city.

Naperville is a smaller market, 149,104 residents, so filed data can take longer to catch up when a carrier changes pricing. The spread here is wide, 59% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 24% less than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 Auto-OwnersFiled rate, credit/record adjusted $99.20
02 State FarmFiled rate, credit/record adjusted $106.64
03 Country FinancialFiled rate, credit/record adjusted $150.04
04 SafecoFiled rate, credit/record adjusted $151.28
05 ProgressiveFiled rate, credit/record adjusted $153.76
06 ErieFiled rate, credit/record adjusted $163.68
07 GEICOFiled rate, credit/record adjusted $164.92
08 USAAFiled rate, credit/record adjusted $174.84
09 AllstateFiled rate, credit/record adjusted $177.32
10 TravelersFiled rate, credit/record adjusted $239.32
Rate explainer
Why is your best rate $99.20 and not $209.31?

Naperville is priced against 10 insurers for the 25-55 driver, Full coverage, Fair credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-81.81
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Fair (modeled) +$30.60
Driving record, Clean (modeled) +$0.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.