Naperville Car Insurance

Your Guide to Buying Naperville, IL Insurance

Find the right car insurance policy for you.

Naperville, IL is a primary suburb of Chicago and is the fifth largest city in Illinois. With such a large population, traffic congestion is common here, and where there is traffic, there will always be collisions and damage. Naperville, IL car insurance becomes a primary concern for all drivers on these busy roads.

In order to drive in the state of Illinois, you’ll need adequate car insurance. A Trusted Choice® independent insurance agent can help you review a number of Naperville auto insurance quotes and find the best fit for your specific needs. Contact a local agent today to get started.

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

While you can expect to pay lower than the national average for Naperville, IL car insurance, keep in mind that different kinds of coverage will be wanted or needed in different places. In calculating your actual rates, insurance companies will consider a number of factors, including the make, model and year of your car, your driving record, and where and how often you drive.

Some insurance professionals will recommend various types of coverage, including: uninsured motorist; medical payments and personal injury (PIP); loan and lease payoff; and roadside assistance. Other agents may add even more to the list. That’s where a Trusted Choice independent agent becomes helpful. Your agent can help you sift through the coverage options and recommend those that are most important, so you’ll make the right choice.

Naperville, Illinois Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection: 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 $25,000 for one individual, and $20,000 for property damage

Illinois drivers who are cited for driving without the mandatory liability insurance will receive a minimum $500 fine, a registration reinstatement fee ranging from $100 (first offense) up to $1,000 (subsequent offenses), and suspension of driving privileges for four months. Drivers who attempt to use a fraudulent proof of insurance card may have their license suspended for up to six months.

There are many factors that influence Naperville car insurance rates. In order to get the best price for your coverage, you will need to research and compare quotes. Contact an independent Trusted Choice agent to help you negotiate rate comparisons and find the best coverage for your needs.

Naperville, Illinois Uninsured Motorists

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

Illinois has more uninsured motorists than the national average. Uninsured drivers are still responsible for any damages or injury caused by an accident, but it can be difficult to collect compensation from them. With uninsured motorist coverage, you have the security of knowing that your insurance company will pay you right away; they may then go after the uninsured motorist.

Car Thefts in Naperville, Illinois

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

This state has an average vehicle theft rate that’s on par with national figures, although it has been steadily decreasing over the past few years. This decrease is attributed to standardized anti-theft devices and public awareness of safety and vehicle theft.

How to Compare Naperville Auto Insurance Quotes

The auto insurance industry is in a constant state of flux, as insurers compete for business, and the needs of drivers continue to change. Additionally, insurance companies are constantly measuring and re-measuring driving risks in this city, adjusting their premiums along the way. These changes can make the search for low-cost, quality Naperville car insurance difficult. It is important to work with someone who can research dozens of insurance companies to find the best rates for your specific coverage needs.

Your Trusted Choice agent can present all the options and can help you select the insurance policy that is most appropriate for your circumstances. Contact an independent agent to find Naperville car insurance that will fit your needs and budget.

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