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Car Insurance in Naperville

Illustration of van driving by Freeway Insurance headquarters

Located 28 miles west of Chicago, Naperville was founded in 1831 and is the fourth-largest city in Illinois. More than 148,400 residents are generally happy to call this historic city home until you mention traffic. Naperville has been plagued by congestion management and traffic flow issues in recent years, and a lack of public transit options only seems to add to this problem. Every time Naperville drivers head out and get caught in dense traffic, they run a higher risk of being involved in a crash, and this risk can make insurance rates skyrocket.

Quick Facts

  • In 2021, Naperville’s average annual car insurance premium for full coverage is $1,273 — that’s roughly 2.3% less than the annual statewide average of $1,303.
  • Naperville reported three fatal crashes in 2019 that resulted in three fatalities — that’s roughly 0.32% of all fatal crashes in Illinois that year.

How Much Does Car Insurance Cost in Naperville?

Expect to pay an average of $1,273 for full coverage car insurance if you’re a driver in the Naperville area. Compared to a large urban center like Chicago, premiums in Naperville are in the lower range, costing around $438 less than in the Windy City. Naperville drivers pay around $127 more than drivers in smaller cities and towns, though. Due to the amount of time drivers spend on the highways, consumer protection laws and Illinois car insurance provide some of the best coverage in the U.S.

City Average Annual Premium for Full Coverage
Naperville $1,273
Chicago $1,711
Champaign $1,146
Decatur $1,238
Peoria $1,283

Zip code and age are two factors that insurers typically use to determine your car insurance rates. The average number of accidents that occur in your zip code, as well as how populated the area is, how much crime occurs, and the average income affect your rate. In a high-income neighborhood, residents usually invest in pricy cars that often become the target of theft, which makes your rate soar.

Regarding age, younger drivers typically pay more for auto insurance coverage because they’re considered high risk due to inexperience. Older drivers who have spent more time behind the wheel usually pay less because of their years of experience.

Naperville Car Insurance Rates by Zip Code

There are four zip codes in Naperville, Illinois. Zip code 60564, which is southwest of the city center and is home to several golf courses, has one of the highest average premiums in the city at $1,263, while 60563, which is north of the downtown area, is nearly $225 less than that at $1,038.

Auto insurance rates are usually based on zip code statistics, like population. In Naperville, for example, the population density between the zip codes 60565 and 60540 is within close range, with 3,251 and 3,253 people per square mile, respectively. But the median home value in 60540 is roughly $18,965 higher than 60565, indicating that residents in the pricier zip code might be more inclined to buy expensive vehicles, which contributes to higher annual auto insurance rates.

The following table lists several zip codes in the Naperville area along with the average insurance rates drivers will likely pay for full coverage:

Zip Code Average Premium for Full Coverage
60563 $1,038
60540 $1,066
60565 $1,143
60564 $1,263

Naperville Car Insurance Rates by Age

While marital status and gender can be factored in to determine a driver’s insurance rate, this information generally has a minimal influence on premium costs. As stated earlier, zip code and age tend to play a larger role in calculating premium rates.

Younger drivers will pay more for car insurance until they have spent more time on the road and have gained experience. Once a young adult is in their 20s, insurance rates will begin to drop.

Age Average Annual Premium for Full Coverage
Teenagers $2,627
20s $1,332
30s $861
40s $744
50s $757
60s $740
70s $883

A clean driving record that shows no accidents or tickets during the past three to five years will keep your annual premium low.

Driving Conditions in Naperville

How Many Fatal Accidents Happen in Naperville?

Illinois reported 938 fatal crashes that resulted in 1,010 deaths in 2019. Naperville had a significantly lower number, with a total of three fatal crashes resulting in three deaths that same year.

None of the fatal crashes that took place in Naperville in 2019 were alcohol-related. While three died, seven others were hurt or seriously injured, including a pedestrian. By comparison, the state of Illinois reported that 276 people were killed in alcohol-related crashes in 2019, which was roughly 27% of the state’s 1,010 total crash fatalities.

How Are the Road Infrastructure and Bridges in Naperville?

Illinois has 145,700 miles of roadway and is third in the nation for total interstate miles. Naperville’s Department of Public Works Department is in charge of repairing deteriorating roadways, potholes, and worn road surfaces across 39.4 square miles of the city. The department also repairs bridges and replaces guardrails, traffic signage, and street lights, with the Illinois Department of Transportation and the Illinois Tollway tackling state-related infrastructure repairs and upgrades.

In 2018, the American Society of Civil Engineers (ASCE) released its report card for the infrastructures across the U.S. and gave Illinois an overall grade of C-. According to the organization, 2,303 bridges in Illinois — or 8.6% of the state’s 26,775 total bridges are structurally deficient. To improve its standing with the ASCE, Illinois needs to make a greater investment in upgrading and maintaining its current infrastructure, particularly its bridges.

Minimum Car Insurance Requirements in Naperville

Illinois is an at-fault state, which means that the driver who causes a crash must pay for the other driver’s collision bills. The negligent driver’s insurance may also cover their own damages, depending on what their coverage options are.

Per Illinois Mandatory Insurance Law §625 ILCS 5/7-601, drivers must carry the minimum liability insurance for any vehicle registered in the state. The minimum coverage Illinois requires its drivers to carry is 25/50/20, or:

  • $25,000 for the injury or death of one person in an accident that you cause,
  • $50,000 total for all injuries or deaths in an accident that you cause, and
  • $20,000 for damage to the property of another person in an accident that you cause.

Factors Allowed in Naperville Car Insurance Rates

Across the nation, insurers rely on certain criteria to determine your annual car insurance premium. In Naperville, Illinois, the criteria typically used are:

Discounts for Car Insurance in Naperville

Taking advantage of discounts available through your auto insurance carrier can save Naperville drivers money. Your carrier will let you know what these discount offers are. They might include a:

  • Good driver discount
  • Multi-car discount
  • Anti-theft discount
  • Student discount
  • Military discount
  • Multi-policy discount
  • Mature, retired, or senior discount

What Are the Penalties for Driving Without Insurance in Naperville?

By law, drivers are required to have auto insurance in Naperville as well as the state of Illinois. When you’re behind the wheel, you need to carry the minimum amount of coverage or you’ll have to face stiff penalties. A first-time offender can expect to receive:

  • A $500 to $1,000 fine
  • License suspension, with a $100 fee to have it reinstated
  • Requirement of an SR-22 for at least three years

Get a Quote for Car Insurance in Naperville Today!

Downtown Naperville street

Insurance is an inexpensive way to protect yourself from the tremendous risks of daily driving in Naperville. Crashes are expensive and usually bring substantial medical expenses and car repair bills. Having the right coverage takes care of you and everyone involved. Find the best coverage options by getting a quote online, visiting us at a Naperville office near you, or calling us at (800) 777-5620.