866-589-5339
Estimated wait time: < 1 minute
The Best Auto Insurance in Aurora, Illinois
State Farm, Erie, Nationwide, Country Financial, and American Family offer some of the top car insurance in Aurora, Illinois.
Best Value
Editor's Rating:
4.9/5
4.9/5
Full Coverage Averages in Aurora
- Annual premium: $1,038
- Monthly premium: $87
Best for Customer Satisfaction
Editor's Rating:5/5
5/5Best for Low-Mileage Drivers
Editor's Rating:4.8/5
4.8/5
Full Coverage Averages Nationally
- Annual premium: $1,987
- Monthly premium: $166
Last updated: July 5, 2026
Key Takeaways: Best Cheap Car Insurance in Aurora, Illinois
Car insurance in Aurora, Illinois, is less expensive than the state average at $1,600/year for full coverage.
State Farm offers the best value coverage in the city, with the cheapest average full coverage rates and a strong customer service record.
Drivers who prioritize customer and claims satisfaction should consider Erie, while Nationwide is our top pick for those who drive less than average.
Country Financial offers some of the best coverage and rates for teens, and American Family has one of the most generous bundling discounts available to homeowners.
Our Top Picks for the Best Cheap Auto Insurance in Aurora, Illinois
- Best Value: State Farm
- Best for Customer Satisfaction: Erie
- Best for Low-Mileage Drivers: Nationwide
- Best for Teens: COUNTRY Financial
- Best for Bundling: American Family
Compare the Best Cheap Auto Insurance in Aurora, Illinois
| Company | Full Coverage Annual Avg. in Aurora | Minimum Coverage Annual Avg. in Illinois | North Central Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $1,038 | $540 | Above average |
| Erie | $1,601 | $480 | Above average |
| Nationwide | Data not available | Data not available | Above average |
| Country Financial | $1,439 | $468 | Above average |
| American Family | $1,423 | Data not available | Above average |
| Aurora | $1,600 | $726 (Illinois average) | – |
Note that minimum coverage pricing for Aurora was unavailable, so all minimum coverage rates reflect Illinois-wide data.
Detailed List of the Best Cheap Providers in Aurora
1. State Farm - Best Value
4.9
Editor's Rating:
- Average Illinois Rate for Minimum Coverage
- $58 mo.
- Average Illinois Rate for Full Coverage
- $87 mo.
Cheapest full coverage rates in Aurora- Extensive network of local agents
- Strong selection of discounts and coverage options
Must complete quotes by phone- No accident forgiveness
Why we chose it
State Farm combines affordable rates with strong coverage options and customer support, making it our choice for the best value car insurance in Aurora. It offers the cheapest average full coverage rates in the city at $1,038 per year, which is 35 percent below the city average.
Policyholders can take advantage of discounts for safe driving, bundling policies, insuring multiple vehicles, and more, helping reduce overall insurance costs. State Farm’s large network of local agents also makes it easy to get personalized assistance when choosing coverage or filing a claim.
Who it’s best for
Drivers looking for affordable, well-rounded coverage, homeowners who want to bundle insurance policies, drivers who prefer working with a local agent
State Farm Aurora/Illinois pricing
| State Farm | Full coverage (Aurora average) | Minimum coverage (Illinois average) |
|---|---|---|
| Monthly | $87 | $45 |
| Annually | $1,038 | $540 |
| Difference from average | -35% | -26% |
2. Erie - Best for Customer Satisfaction
5
Editor's Rating:
- Average Illinois Rate for Minimum Coverage
- $40 mo.
- Average Illinois Rate for Full Coverage
- $133 mo.
- Consistently high customer satisfaction ratings
- Strong claims handling reputation
- Unique coverage features
- Agent-only
- Fewer online features
Why we chose it
Erie stands out for customer satisfaction thanks to its reputation for responsive service and smooth claims experiences. It ranked first in the North Central region for customer satisfaction in J.D. Power’s 2026 Auto Insurance Study for the sixth year in a row.
Erie also offers several valuable coverage features that may be included or available as affordable add-ons, such as a rate lock option and pet coverage. For Aurora drivers who prioritize dependable service and want confidence that their insurer will be easy to work with after an accident, Erie is one of the strongest options available.
Who it’s best for
Drivers who prioritize customer service, those who want to lock in their rate, drivers looking for many customizable policy options
Erie Aurora/Illinois pricing
| Erie | Full coverage (Aurora average) | Minimum coverage (Illinois average) |
|---|---|---|
| Monthly | $133 | $40 |
| Annually | $1,601 | $480 |
| Difference from average | 0% | -34% |
3. Nationwide - Best for Low-Mileage Drivers
4.8
Editor's Rating:
- Average Rate for Minimum Coverage
- $60 mo.
- Average Rate for Full Coverage
- $162 mo.
- Strong regional customer satisfaction
- Low-mileage telematics program
- Multiple discount opportunities
- Not available in select states
- Expensive for teen drivers
Why we chose it
Nationwide is a great choice for Aurora drivers who spend less time behind the wheel. Through the company’s two telematics programs, drivers may be able to lower their premiums based on driving habits and mileage. SmartMiles is specifically designed as a pay-per-mile program and is ideal for those who drive less than average, such as remote workers and retirees.
Nationwide also offers a wide variety of discounts and coverage options, including gap coverage, accident forgiveness, and vanishing deductible, making it easy for drivers to customize a policy that fits their needs. It ranked second for customer satisfaction in the North Central region in J.D. Power’s study.
Who it’s best for
Those who drive less than average, drivers looking for excellent customer service, safe drivers
4. COUNTRY Financial - Best for Teens
4.2
Editor's Rating:
- Average Illinois Rate for Minimum Coverage
- $39 mo.
- Average Illinois Rate for Full Coverage
- $120 mo.
- Discounts designed for young drivers and students
- Strong local agent support
- Discounts for teachers and first responders
- Limited footprint
- Basic app features
- Rate variability
Why we chose it
Country Financial offers several features that can help families manage the high cost of adding a young driver to a policy. The company provides a discount of up to 35 percent for full-time students with at least a B average, as well as a defensive driving discount for drivers, including teens, who complete a state-approved motor vehicle defensive driving course
Country Financial also offers a driver training program called Simply Drive, which teens can complete to earn a discount of up to 10 percent. The discount will apply until the first renewal after the driver turns 21, unless they have a moving violation or at-fault accident. In addition, the company emphasizes personalized service through its agent network, allowing families to discuss coverage needs and available discounts directly with a representative.
<strong>FYI:</strong>
Country Financial partners with the Illinois Farm Bureau to offer insurance, so if you’re a Farm Bureau member, you may get better rates.
Who it’s best for
Families with teen drivers, teachers and first responders, Farm Bureau members
Country Financial Aurora/Illinois pricing
| Country Financial | Full coverage (Aurora average) | Minimum coverage (Illinois average) |
|---|---|---|
| Monthly | $120 | $39 |
| Annually | $1,439 | $468 |
| Difference from average | -10% | -36% |
5. American Family - Best for Bundling
4.4
Editor's Rating:
- National Average Rate for Minimum Coverage
- $57 mo.
- National Average Rate for Full Coverage
- $119 mo.
- Strong multi-policy discount opportunities
- Wide range of insurance products
- Two telematics programs
- Limited to select states
- Agent-dependent experience
Why we chose it
American Family offers numerous insurance products, including auto, home, renters, and life insurance. By consolidating coverage, Aurora drivers may qualify for meaningful discounts while simplifying policy management. Combining home and auto can qualify you for a generous discount of up to 40 percent. American Family also ranked above average on J.D. Power’s 2025 Home Insurance Study, making it a good option for homeowners looking to bundle.1
Like Nationwide, American Family offers two telematics programs, one of which caters to low-mileage drivers. This program, MilesMyWay, doesn’t require an app but simply allows you to take a photo of your odometer and submit it twice a year to qualify for savings.
Who it’s best for
Homeowners looking to bundle auto and home insurance, families managing multiple insurance policies, low mileage drivers
American Family Aurora/Illinois pricing
| American Family | Full coverage (Aurora average) |
|---|---|
| Monthly | $119 |
| Annually | $1,423 |
| Difference from average | -11% |
Aurora Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – North Central2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| State Farm | 652 | D+ | 716 | 1.80 |
| Erie | 688 | A- | 743 | 1.61 |
| Nationwide | 684 | C | 729 | 2.00 |
| Country Financial | 652 | B- | Not rated | 1.22 |
| American Family | 648 | C+ | 702 | 0.95 |
| Average | 645 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Cheapest Full Coverage Car Insurance in Aurora
State Farm offers the cheapest full coverage car insurance in Aurora, with an average annual premium of $1,038 — that’s 35 percent lower than the city average. GEICO and Auto-Owners also have competitive rates in Aurora at $1,234 per year and $1,305 per year, respectively.
| Company | Annual Aurora Average | Monthly Aurora Average |
|---|---|---|
| State Farm | $1,038 | $87 |
| GEICO | $1,234 | $103 |
| Auto-Owners | $1,305 | $109 |
| American Family | $1,423 | $119 |
| Country Financial | $1,439 | $120 |
| USAA | $1,473 | $123 |
| Progressive | $1,537 | $128 |
| Erie | $1,601 | $133 |
| Travelers | $1,738 | $145 |
| Aurora average | $1,600 | $133 |
| Illinois average | $2,166 | $181 |
| U.S. average | $2,356 | $196 |
Cheapest Minimum Coverage Car Insurance in Illinois
The following rates reflect statewide averages in Illinois, as minimum coverage pricing data for Aurora is not widely available. Country Financial offers the cheapest minimum coverage in Illinois at $468 per year, followed by Erie and State Farm.
| Company | Annual Illinois Average | Monthly Illinois Average |
|---|---|---|
| Country Financial | $468 | $39 |
| Erie | $480 | $40 |
| State Farm | $540 | $45 |
| Travelers | $558 | $47 |
| USAA | $631 | $53 |
| GEICO | $636 | $53 |
| Progressive | $779 | $65 |
| Allstate | $1,220 | $102 |
| Illinois average | $726 | $60 |
| U.S. average | $722 | $60 |
How many car accidents happen in Aurora?
In 2023, the last year for which there is city-specific data, there were 4,360 total crashes in Aurora.6 Ten of these crashes were fatal, around 1,000 involved injuries, and over 3,000 involved property damage. Most crashes occurred on Tuesdays, Thursdays, and Fridays, and between 3 pm and 7 pm. In every age group, more male drivers were involved in accidents than female drivers.
Minimum Auto Insurance Requirements in Illinois
Illinois state law requires the following minimum auto insurance limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $20,000 per accident
Minimum coverage limits offer some coverage if you cause an accident, but it might not be enough. If your insurance cannot cover damages, you’ll be responsible for the difference. If you can afford to, it’s a good idea to get higher limits as well as full coverage to help pay for damage to your own car.
Frequently Asked Questions
The cheapest auto insurance in Illinois is Country Financial, with an average annual rate of $1,236 for full coverage and $468 for minimum coverage.
The top five car insurance companies in Illinois depend on your needs and preferences, but our top picks in the state for various driver profiles are Country Financial, Direct Auto, USAA, Erie, and State Farm.
There are several ways to lower your auto insurance costs. One of the most effective strategies is to compare quotes from multiple insurers, as rates can vary significantly from one company to another. You may also qualify for discounts by bundling your auto policy with homeowners or renters insurance, maintaining a clean driving record, insuring multiple vehicles, or participating in a telematics program. Increasing your deductible can also lower your premium, but you’ll pay more out of pocket if you file a claim.
The downside to having a high deductible for your auto insurance is that you’ll need to pay more out of pocket in the event that you file a claim. Before opting for higher deductibles, make sure you can cover the amount if needed.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full coverage in Aurora, Illinois, and minimum coverage premiums in Illinois for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer involves clear communication, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We consider each company’s coverage offerings and prioritize providers with options beyond the state-required minimums, like gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Sources
Homeowners Insurance Premium Increases Threaten Customer Loyalty, Long-Term Profitability, JD Power Finds. JD Power. (2025, Sep 12).
https://www.jdpower.com/business/press-releases/2025-us-home-insurance-studyAuto Insurers Struggle to Maintain Seamless Interactions Across Channels, JD Power Finds. JD Power. (2026, Jun 09).
https://www.jdpower.com/business/press-releases/2026-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 27).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmCity Summary Crash Report. Illinois Department of Transportation. (2024, Dec 18).
https://apps1.dot.illinois.gov/eplan/desenv/crash/City%20Summaries/Year%202023/Aurora%202023.pdf
Related Articles
Best Auto Insurance in Illinois of 2026
August 12, 2026
Guide to Car Insurance in Illinois
August 18, 2026
Best Car Insurance in Wisconsin of 2026
January 2, 2025