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.
- 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.
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.
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?
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:
- Driving history
- Credit score
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