Aurora, IL, Car Insurance Cost – Cheapest Rates for 2025

• Average car insurance cost in Aurora is $2,194 per year, or around $183 per month, for a full-coverage policy.
• Small SUV models like the Chevrolet Trailblazer, Ford Bronco Sport, Toyota Corolla Cross, and Nissan Kicks have the best chance of having cheap car insurance in Aurora.
• Some of the models with the most affordable insurance rates in their segment include the Toyota GR Corolla, Honda Passport, Chevrolet Colorado, and Acura RDX.

What is average car insurance cost in Aurora?

The average cost to insure a vehicle in Aurora is $2,194 per year, which is approximately $183 per month. Aurora car insurance costs 3.7% less than the U.S. overall average rate of $2,276.

In the state of Illinois, average car insurance cost is $2,304 per year, so the average cost in Aurora is $110 less per year. The cost of auto insurance in Aurora compared to other Illinois cities is $36 per year less than in Rockford, $76 per year less than in Joliet, and $398 per year less than in Chicago.

The age of the rated driver is probably the number one factor that determines the price you pay for car insurance. The list below illustrates this by showing the difference in average car insurance rates depending on driver age.

Average cost of car insurance in Aurora, Illinois, by driver age

• 16-year-old driver – $7,819 per year or $652 per month
• 17-year-old driver – $7,574 per year or $631 per month
• 18-year-old driver – $6,786 per year or $566 per month
• 19-year-old driver – $6,179 per year or $515 per month
• 20-year-old driver – $4,416 per year or $368 per month
• 30-year-old driver – $2,342 per year or $195 per month
• 40-year-old driver – $2,194 per year or $183 per month
• 50-year-old driver – $1,946 per year or $162 per month
• 60-year-old driver – $1,822 per year or $152 per month

The chart below goes into more detail for drivers age 20 to 60 by including rates for three different policy deductible amounts. Showing these different rates can help you understand how the cost of a car insurance policy increases with lower deductibles, and decreases with high deductibles.

In the chart above, the cost of auto insurance in Aurora ranges from $1,542 per year for a 60-year-old driver with a policy with high deductibles to $5,136 per year for a 20-year-old driver with a low deductible. From a monthly budget standpoint, the average cost in the chart above ranges from $129 to $428 per month.

Auto insurance rates are not the same for everyone and can change frequently. Since there is so much rate volatility, this increases the need for accurate car insurance quotes when looking for more affordable coverage.

Popular vehicles in Aurora tend to be compact or midsize cars like the Volkswagen Jetta, Nissan Sentra, and Kia K5 and compact or midsize SUVs like the Nissan Rogue and Jeep Grand Cherokee.

Additional popular vehicles from other vehicle segments include luxury models like the Acura ILX, Lexus RX 350, and Infiniti QX60 and sports cars like the Porsche 911, Ford Mustang, and Chevy Corvette.

We will get into rates in much more detail later on in this article, but before we get into those numbers, let’s review in a nutshell some of the general concepts that were covered up to this point.

• Teen female drivers pay less than teen males – Teen females (age 16 to 19) pay $951 to $517 less annually than male drivers of the same age.
• Average car insurance cost per month ranges from $152 to $652 – That’s the average auto insurance price range for drivers age 16 to 60 in Aurora, Illinois.
• Aurora car insurance prices are cheaper than the Illinois state average – $2,194 (Aurora average) versus $2,304 (Illinois average)
• Aurora, IL, car insurance cost is less than the U.S. average – $2,194 (Aurora average) versus $2,276 (U.S. average)
• Insuring a teenager can cost a lot – Average cost ranges from $5,228 to $7,819 per year for teen driver car insurance in Aurora.
• Insurance rates drop significantly from age 20 to 30 – The average 30-year-old Aurora, IL, driver will pay $2,074 less annually than a 20-year-old driver, $2,342 compared to $4,416.

What are the cheapest vehicles to insure in Aurora?

The models with the best car insurance quotes in Aurora, IL, tend to be small SUVs and crossovers like the Kia Soul, Subaru Crosstrek, Buick Envision, and Toyota Corolla Cross. Average car insurance rates for those small SUVs cost $1,784 or less per year for full coverage car insurance.

Additional vehicles that have low-cost auto insurance prices in our car insurance cost comparison are the Buick Envista, Subaru Outback, Kia Niro, and Acura RDX. The average insurance cost is marginally higher for those models than the crossovers and compact SUVs that rank at the top, but they still have average rates of $1,906 or less per year, or about $159 per month in Aurora.

The next table breaks down the 40 cheapest vehicles to insure in Aurora, ordered by annual cost.

A table of 40 vehicle models with cheap Aurora car insurance doesn’t do a great job of providing the full picture of the cost of car insurance in Aurora. Considering the fact that we rate over 700 vehicles, there are a lot of rates not being shown.

Let’s rethink this, dig deeper, and list the models with the cheapest rates in Aurora in a more sensible format, by vehicle segment. The next sections list the top 20 vehicles with the lowest cost auto insurance rates for the most popular automotive segments.

Cheapest cars to insure in Aurora

The four highest ranking sedans and hatchbacks with the most affordable auto insurance in Aurora are the Toyota GR Corolla at $1,906 per year, Nissan Leaf at $1,924 per year, Honda Civic at $1,944 per year, and Nissan Sentra at $2,012 per year.

Other models that rank well in our comparison are the Chevrolet Malibu, Honda Accord, Kia K5, and Toyota Corolla, with average cost of $2,140 per year or less.

As a cost per month, full-coverage car insurance in Aurora on this segment for a safe driver can cost as low as $159 per month, depending on the company and your location.

If rates are ranked by vehicle size, the cheapest non-luxury compact car to insure in Aurora is the Toyota GR Corolla at $1,906 per year, or $159 per month. For midsize cars, the Kia K5 has the best rates at $2,116 per year, or $176 per month. And for full-size non-luxury cars, the Chrysler 300 is the cheapest model to insure at $2,090 per year, or $174 per month.

The rate comparison table below ranks the twenty cars with the lowest-cost car insurance in Aurora.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see rates for your vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Aurora car insurance quotes from top car insurance companies in Illinois.

Cheapest SUV insurance rates in Aurora, Illinois

The three top-ranked SUVs with the cheapest insurance in Aurora are the Subaru Crosstrek at $1,620 per year, the Chevrolet Trailblazer at $1,650 per year, and the Kia Soul at $1,714 per year.

Not the cheapest to insure, but still ranked well, are models like the Mazda CX-5, Toyota Corolla Cross, Buick Envision, and Hyundai Venue, with average annual insurance rates of $1,798 per year or less.

Ranking between positions 10 and 20, SUVs like the Kia Niro, Nissan Murano, Volkswagen Tiguan, Buick Envista, Subaru Ascent, and Subaru Outback cost between $1,798 and $1,908 per year for insurance in Aurora.

On a monthly basis, auto insurance in Aurora on this segment can cost as low as $135 per month, depending on where you live and the company you use.

If prices are ranked by vehicle size, the cheapest non-luxury compact SUV to insure in Aurora is the Subaru Crosstrek at $1,620 per year. For midsize models, the Honda Passport is cheapest to insure at $1,748 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is cheapest to insure at $2,062 per year.

The next table ranks the twenty SUVs with the lowest-cost car insurance in Aurora, starting with the Subaru Crosstrek at $1,620 per year and ending with the Subaru Ascent at $1,908 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the table above? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Aurora car insurance quotes from top companies in Illinois.

Cheapest luxury car insurance rates in Aurora

Ranking at the top for the lowest-cost Aurora auto insurance rates in the luxury car segment are the Acura Integra, BMW 330i, Acura TLX, Mercedes-Benz CLA250, and Lexus IS 300. Car insurance rates for these 2024 models average $2,272 or less per year, or around $189 per month.

Rounding out the top 10 are models like the Lexus ES 350, Cadillac CT4, Genesis G70, and Mercedes-Benz AMG CLA35, with average insurance cost of $2,308 per year or less.

On a monthly basis, full-coverage auto insurance in this segment for a middle-age safe driver starts at an average of $163 per month, depending on where you live.

The cheapest small luxury car to insure in Aurora is the Acura Integra at $1,952 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the best rates at $2,258 per year. And for full-size models, the Audi A5 has the best rates at $2,608 per year.

The table below ranks the twenty luxury cars with the most affordable average insurance rates in Aurora.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Looking for rates for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Illinois.

Cheapest luxury SUV insurance rates in Aurora, Illinois

The four most affordable luxury SUV models to insure in Aurora are the Acura RDX at $1,834 per year, Lexus NX 250 at $1,942 per year, Cadillac XT4 at $1,982 per year, and Jaguar E-Pace at $2,052 per year.

Also ranking well in our comparison are SUVs like the Mercedes-Benz GLB 250, Lexus NX 350h, Lexus UX 250h, and Lexus NX 450h, with average insurance cost of $2,116 per year or less.

In the bottom half of the top 20, models like the Infiniti QX60, Land Rover Evoque, Mercedes-Benz GLA35 AMG, Acura MDX, and Infiniti QX50 average between $2,116 and $2,204 per year to insure.

Auto insurance in Aurora for this segment for a safe driver starts at an average of $153 per month, depending on the company.

When vehicle size is factored in, the lowest-cost compact luxury SUV to insure in Aurora is the Acura RDX at $1,834 per year, or $153 per month. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $2,052 per year, or $171 per month. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,462 per year, or $205 per month.

The rate comparison table below ranks the twenty SUVs with the lowest-cost insurance in Aurora, starting with the Acura RDX at $153 per month and ending with the Lexus RX 350 at $184 per month.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Looking for rates for a different luxury SUV? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Aurora car insurance quotes from top-rated companies in Illinois.

Cheapest pickup insurance rates in Aurora

The #1 ranking in Aurora for cheapest average insurance rates in the pickup segment is the Chevrolet Colorado, costing an average of $1,932 per year. Second place is the Nissan Titan costing $2,050 per year, and in third place is the Nissan Frontier, at an average of $2,076 per year.

Not the cheapest in the list, but still ranking well, are trucks like the Hyundai Santa Cruz, Honda Ridgeline, Toyota Tacoma, and GMC Sierra 2500 HD, with an average cost of $2,260 per year or less.

Full-coverage car insurance in this segment can cost as low as $161 per month, depending on where you live and the company you use.

The next table ranks the twenty pickups with the most affordable car insurance in Aurora.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Is your pickup truck missing from the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Aurora car insurance quotes from top-rated companies in Illinois.

Cheapest sports car insurance rates in Aurora, IL

The most affordable sports cars to insure in Aurora are the Mazda MX-5 Miata at $2,032 per year, the Toyota GR86 at $2,314 per year, and the Ford Mustang at $2,414 per year.

Also ranking well are cars like the Lexus RC F, Nissan Z, Toyota GR Supra, and BMW M2, with an average car insurance cost of $2,624 per year or less.

Some additional cars that make the list include the Chevrolet Camaro, Porsche 911, Jaguar F-Type, BMW M3, and BMW M4, which cost between $2,624 and $3,718 per year for full-coverage insurance in Aurora.

Full-coverage car insurance in this segment for a good driver will start around $169 per month, depending on where you live and the company you use.

The comparison table below ranks the sports cars with the lowest-cost average auto insurance rates in Aurora, starting with the Mazda MX-5 Miata at $169 per month and ending with the Porsche Taycan at $310 per month.

Looking for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Aurora.

How to find cheaper car insurance

Financially savvy drivers are often looking to reduce the monthly expense for auto insurance, so browse the savings concepts in the list below and it’s very possible you can save some money the next time you buy a policy.

• Obey driving laws to save money. To get affordable car insurance in Aurora, it’s necessary to follow the law. In fact, just one or two minor incidents on your driving report have the ramification of raising car insurance rates by as much as $582 per year. Serious infractions such as a DWI could raise rates by an additional $2,040 or more.
• Shop around and save. Setting aside a few minutes before every renewal to get some free car insurance quotes is our best recommendation for saving the most money. Companies change rates often and you can switch companies at any time.
• Bring up your credit score and save. Having an over-800 credit score could save up to $344 per year compared to a credit rating of 670-739. Conversely, an imperfect credit score below 579 could cost as much as $399 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Earn policy discounts to save money. Savings may be available if the insured drivers are good students, are military or federal employees, choose electronic billing, are accident-free, or many other policy discounts which could save the average Aurora driver as much as $372 per year on their insurance cost.
• Your profession could save you money. The large majority of insurance companies offer policy discounts for specific professions like doctors, police officers and law enforcement, scientists, accountants, architects, dentists, and others. Being employed in a qualifying profession may save between $66 and $213 on your car insurance premium, subject to policy limits.
• Save money by raising deductibles. Increasing your deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.