Aurora Car Insurance

Your Guide to Buying Aurora, IL Car Insurance

Aurora is the second most populous city in the state of Illinois. With a population of 199,963, Aurora is the 111th largest city in the United States. The City of Lights got its nickname in 1908 after becoming the first U.S. city to implement an all-electric street lighting system in 1881. Those streets are now full of cars, and if one of those cars belongs to you, make certain your vehicle is protected. Aurora, IL car insurance is required for all drivers here. Drivers face a fine with license suspension if found without proof of insurance. A local independent insurance agent can help you compare Aurora auto insurance quotes and find the coverage you need. Contact an agent for personal assistance today.

  • National average cost per year: $1,311
  • Illinois average cost per year: $1,079
  • 39th most expensive premiums in the US

As an Illinois resident, your car insurance policy must include three types of liability coverage:

  1. Bodily injury coverage protects you if you are found to be legally accountable for an automobile accident. The expenses can be significant, especially if they involve injuries to anyone in your vehicle or another party.
  2. Property damage coverage protects you if you are found to be legally responsible for an accident that was covered by insurance. It covers damage you may have caused to surrounding property or the other party’s vehicle.
  3. Uninsured motorist coverage ensures that expenses resulting from an accident where the at-fault driver does not have insurance will be covered.

Aurora, Illinois Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: required
  • Minimum liability limits: 25/50/20
  • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $50,000 for one individual, and $20,000 coverage for property damage

These liability limits are required by state law in Illinois; drivers without the required insurance are subject to fines and license suspension. Liability coverage can also provide funds for your legal defense if you are sued as a result of a covered accident. An independent agent is fully qualified to provide you with a full array of Aurora auto insurance quotes. Your agent will also advise you which coverage is your best hedge against any potential legal fallout.

Aurora, Illinois Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Illinois uninsured motorists: 13.3%
  • Illinois average vehicle repair cost: $2,449

If you or your passengers sustain injuries or your car is damaged and the driver who caused the accident is not insured, uninsured/underinsured motorist coverage will help pay for treatment of those injuries. Your Aurora car insurance company will reimburse you for damage and injuries so you’re not left having to pay out of pocket for everything.

Number of Thefts in Illinois

  • National average number of vehicle thefts (per 1,000 registered vehicles): 2.94
  • Illinois vehicle thefts (per 1,000 registered vehicles): 2.63

Despite the passing of the Illinois Motor Vehicle Theft Prevention Act, vehicle thefts continue to occur. While the purpose of the act is to prevent, combat, and reduce motor vehicle theft in Illinois, there is only so much law enforcement can do. It may be a good idea for Aurora residents to carry comprehensive insurance to cover the risk of theft. Talk to your agent to see if this coverage is right for you.

How to Compare Illinois Auto Insurance Quotes

A local agent can assist in your search for the most complete and affordable Aurora car insurance coverage. Contact a local agent today to find out which coverage makes the most sense for your situation.

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