Car Insurance in Naperville, IL – 2024 Rates, Averages, Cheapest Autos

• Naperville car insurance rates average $1,558 per year for a full coverage policy, or approximately $130 per month.
• Naperville auto insurance costs an average of $136 per year less than the Illinois state average cost and $325 per year less than the United States national average.
• For cheap car insurance in Naperville, IL, compact crossovers like the Subaru Crosstrek, Nissan Kicks, Ford Bronco Sport, and Mazda CX-5 have some of the cheapest rates.

What is average car insurance cost in Naperville?

Average car insurance rates in Naperville cost $1,558 per year, or about $130 per month. When compared to the U.S. overall average rate, Naperville car insurance cost is 18.9% cheaper per year.

In the state of Illinois, average auto insurance cost is $1,694 per year, so the average cost in Naperville is $136 less per year. The cost to insure a car in Naperville compared to other Illinois locations is about $58 per year cheaper than in Rockford, $26 per year less than in Aurora, and $424 per year cheaper than in Chicago.

Driver age has the single biggest impact on the price of auto insurance, so the list below illustrates these differences by showing average car insurance rates depending on driver age.

Average cost of car insurance in Naperville, Illinois, for drivers age 16 to 60

• 16-year-old driver – $5,551 per year or $463 per month
• 17-year-old driver – $5,378 per year or $448 per month
• 18-year-old driver – $4,819 per year or $402 per month
• 19-year-old driver – $4,389 per year or $366 per month
• 20-year-old driver – $3,136 per year or $261 per month
• 30-year-old driver – $1,662 per year or $139 per month
• 40-year-old driver – $1,558 per year or $130 per month
• 50-year-old driver – $1,382 per year or $115 per month
• 60-year-old driver – $1,294 per year or $108 per month

The next chart shows average Naperville, IL, auto insurance cost broken out not only by the age of the driver, but also by three different physical damage coverage deductibles. Rates are averaged for all 2024 vehicle models including luxury and performance vehicles.

In the chart above, the cost of car insurance in Naperville ranges from $1,094 per year for a 60-year-old driver with a policy with high physical damage deductibles to $3,646 per year for a 20-year-old driver with low physical damage deductibles. From a monthly point of view, the average cost in the previous chart ranges from $91 to $304 per month.

The vehicle models that have high popularity in Naperville tend to be small or midsize cars like the Nissan Sentra, Hyundai Elantra, and Honda Accord and small or midsize SUVs like the Nissan Rogue and Chevy Traverse.

Some additional popular vehicles from different automotive segments include luxury models like the Tesla Model S, Cadillac XT5, and Infiniti QX60 and sports cars like the Nissan GT-R, Porsche 911, and Audi TT.

We will get into many more auto rates a little later in this article, but before that, let’s take a quick look at the comparisons and concepts that were discussed up to this point.

• Low deductible car insurance costs more – A 40-year-old driver pays an average of $504 more per year for $250 physical damage deductibles versus $1,000.
• Naperville car insurance rates are cheaper than the Illinois state average – $1,558 (Naperville average) compared to $1,694 (Illinois average)
• Naperville, Illinois, car insurance cost is less than the U.S. average – $1,558 (Naperville average) versus $1,883 (U.S. average)
• Average cost per month ranges from $108 to $463 – That’s the average car insurance cost range for drivers aged 16 to 60 in Naperville, Illinois.
• Auto insurance rates drop considerably from age 20 to 30 – The average 30-year-old Naperville, IL, driver will pay $1,474 less annually than a 20-year-old driver, $1,662 compared to $3,136.
• Car insurance cost decreases as you age – Rates for a 40-year-old driver in Naperville are $1,578 per year cheaper than for a 20-year-old driver.
• Insurance for teens gets very expensive – Cost ranges from $3,711 to $5,551 per year to insure a teenage driver in Naperville, IL.

Which autos are cheap to insure in Naperville?

The vehicles with the lowest cost average car insurance quotes in Naperville tend to be compact SUVs like the Kia Soul, Subaru Crosstrek, Buick Envision, and Hyundai Venue. Average auto insurance rates for those small SUVs cost $1,266 or less per year ($106 per month) for full coverage.

Some additional models that are in the top 20 in our car insurance price comparison are the Acura RDX, Buick Encore, Volkswagen Taos, and Ford Bronco Sport. Average insurance cost is a little higher for those models than the compact SUVs and crossovers that rank at the top, but they still have an average cost of $1,338 or less per year ($112 per month) in Naperville.

The table below ranks the 40 models with the cheapest car insurance in Naperville, ordered by annual cost.

A table showing 40 of the cheapest vehicles to insure in Naperville is great if you just want the lowest rates. Considering we track over 700 vehicles, there are a lot of rates not being shown.

So let’s dig deeper and break out the most affordable vehicles a more sensible way, by vehicle segment. The next six sections rank the vehicles with the most affordable insurance rates in Naperville for the six main vehicle segments.

Cheapest cars to insure in Naperville, Illinois

Ranked at #1 in Naperville for cheapest average insurance in the non-luxury sedan segment is the Toyota GR Corolla, with a cost of $1,354 per year. Second place is the Nissan Leaf at $1,362 per year, third place goes to the Honda Civic, at an average of $1,380 per year, and ranking fourth is the Nissan Sentra, costing an average of $1,428 per year.

Not the cheapest cars to insure, but still very reasonable, are models like the Chevrolet Malibu, Kia K5, Honda Accord, and Toyota Prius, with average cost of $1,510 per year or less.

Full-coverage car insurance in this segment for a middle-age safe driver will start around $113 per month, depending on the company and where you live.

When prices are compared by vehicle size, the lowest-cost compact car to insure in Naperville is the Toyota GR Corolla at $1,354 per year, or $113 per month. For midsize models, the Hyundai Ioniq 6 is the cheapest model to insure at $1,432 per year, or $119 per month. And for large cars, the Chrysler 300 has the cheapest rates at $1,480 per year, or $123 per month.

The next table ranks the cars with the cheapest car insurance rates in Naperville.

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

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

Cheapest SUV insurance rates in Naperville, IL

The four lowest-cost SUVs to insure in Naperville are the Subaru Crosstrek at $1,150 per year, Chevrolet Trailblazer at $1,172 per year, Kia Soul at $1,218 per year, and Nissan Kicks at $1,226 per year.

Also ranking well are models like the Toyota Corolla Cross, Ford Bronco Sport, Hyundai Venue, and Buick Envision, with average cost of $1,276 per year or less.

Full-coverage car insurance in this segment for an average middle-age driver can cost as low as $96 per month, depending on where you live and the company you use.

The most budget-friendly non-luxury compact SUV to insure in Naperville is the Subaru Crosstrek at $1,150 per year. For midsize 2024 SUV models, the Honda Passport has the cheapest rates at $1,240 per year. And for full-size SUVs, the Chevrolet Tahoe has the cheapest rates at $1,464 per year.

The comparison table below ranks the twenty SUVs with the most affordable average insurance rates in Naperville, starting with the Subaru Crosstrek at $1,150 per year ($96 per month) and ending with the Honda HR-V at $1,356 per year ($113 per month).

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see rates for your SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Naperville car insurance quotes from the best auto insurance companies in Illinois.

Pickup trucks ranked by insurance cost

The four top-ranked pickup trucks with the most affordable car insurance in Naperville are the Chevrolet Colorado at $1,332 per year, Nissan Titan at $1,460 per year, Nissan Frontier at $1,472 per year, and Ford Ranger at $1,486 per year.

Also ranking well are models like the Honda Ridgeline, GMC Canyon, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with average annual insurance rates of $1,602 per year or less.

From a monthly standpoint, auto insurance rates on this segment in Naperville for a middle-age safe driver starts at an average of $111 per month, depending on your location.

The table below ranks the pickups with the lowest-cost average car insurance rates in Naperville.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your pickup model? That’s no problem! 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 auto insurance companies in Illinois.

Sports cars ranked by insurance cost

The four highest ranking sports cars with the most affordable insurance rates in Naperville are the Mazda MX-5 Miata at $1,444 per year, Toyota GR86 at $1,644 per year, Ford Mustang at $1,712 per year, and BMW Z4 at $1,720 per year.

Other cars that have affordable insurance rates include the Subaru BRZ, BMW M2, Lexus RC F, and Toyota GR Supra, with an average cost to insure of $1,862 per year or less.

From a monthly standpoint, car insurance rates in Naperville on this segment for an average middle-age driver will start around $120 per month, depending on where you live and the company you use.

The rate comparison table below ranks the twenty sports cars with the most affordable auto insurance rates in Naperville, starting with the Mazda MX-5 Miata at $120 per month and ending with the Porsche Taycan at $220 per month.

Need rates 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 companies in Naperville.

Cheapest luxury car insurance rates

Ranking in the top five for the lowest-cost Naperville car insurance rates in the luxury car segment are the BMW 330i, Acura Integra, Acura TLX, Mercedes-Benz CLA250, and Lexus IS 300. Insurance rates for these models average $1,614 or less per year.

Not the cheapest to insure, but still ranked well, are models like the Cadillac CT4, Genesis G70, Lexus ES 350, and Lexus RC 300, with an average car insurance cost of $1,638 per year or less.

On a monthly basis, full-coverage auto insurance in Naperville on this segment will start around $116 per month, depending on the company and where you live. The comparison table below ranks the twenty luxury cars with the cheapest insurance rates in Naperville.

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

Don’t see your luxury car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Naperville car insurance quotes from the best companies in Illinois.

Luxury SUVs with cheap car insurance rates

The most affordable luxury SUVs to insure in Naperville are the Acura RDX at $1,304 per year, the Lexus NX 250 at $1,380 per year, and the Cadillac XT4 at $1,408 per year.

Not the cheapest to insure, but still ranked well, are luxury SUVs like the Lexus NX 450h, Lincoln Corsair, Mercedes-Benz GLB 250, and Lexus NX 350h, with an average car insurance cost of $1,504 per year or less.

Additional models that make the list include the Acura MDX, Lexus NX 350, Land Rover Evoque, and Infiniti QX60, which average between $1,504 and $1,564 per year for full-coverage insurance.

As a cost per month, car insurance in Naperville on this segment for a middle-age safe driver starts at an average of $109 per month, depending on the company.

The cheapest small luxury SUV to insure in Naperville is the Acura RDX at $1,304 per year. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $1,458 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $1,748 per year.

The comparison table below ranks the luxury SUVs with the cheapest average insurance rates in Naperville, starting with the Acura RDX at $1,304 per year and ending with the Lexus NX 350 at $1,564 per year.

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

Looking for rates for a different model? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Naperville car insurance quotes from top companies in Illinois.

Driver profile affects the price you pay

To reinforce the concept of the amount the cost of identical car insurance can change for different drivers (and also emphasize the importance of accurate rate quotes), the charts below visualize a wide range of rates for five popular models in Naperville: the Ford F150, Toyota Corolla, Honda CR-V, Honda Pilot, and Chevrolet Camaro.

Each vehicle example shows average rates for a range of driver profiles to demonstrate the difference in price based on driver risk and policy deductibles.

Ford F150 insurance rates

Ford F150 insurance in Naperville averages $1,744 per year ($145 per month) and ranges from $1,446 to $4,026 per year.

The Ford F150 belongs to the full-size truck segment, and additional models from the same segment that are popular in Naperville include the Nissan Titan, GMC Sierra, and Toyota Tundra.

Toyota Corolla insurance rates

Auto insurance for a Toyota Corolla in Naperville averages $1,518 per year, or about $127 per month, and has a range of $1,260 to $3,480 annually.

The Toyota Corolla is a compact car, and other models in the same segment include the Honda Civic, Hyundai Elantra, and Chevrolet Cruze.

Honda CR-V insurance rates

In Naperville, Honda CR-V insurance costs an average of $1,330 per year (about $111 per month) and ranges from $1,104 to $3,054.

The Honda CR-V is considered a compact SUV, and other popular models in the same segment include the Ford Escape, Nissan Rogue, Subaru Forester, and Chevrolet Equinox.

Honda Pilot insurance rates

In Naperville, Honda Pilot insurance averages $1,518 per year, or about $127 per month, and ranges from $1,260 to $3,508 annually.

The Honda Pilot is a midsize SUV, and additional similar models include the Kia Telluride, Toyota Highlander, Ford Edge, and Kia Sorento.

Chevrolet Camaro insurance rates

Car insurance for a Chevrolet Camaro in Naperville costs an average of $2,024 per year, or about $169 per month, and varies from $1,680 to $4,650 annually.

The Chevrolet Camaro is a sports car, and additional similar models include the Chevrolet Corvette, Ford Mustang, and Nissan 370Z.

How to find cheaper Naperville car insurance quotes

Smart drivers are always searching for ways to reduce their monthly insurance expenses, so look through the savings concepts below to see if you can save some money on your next policy.

• Choose a vehicle with more affordable insurance rates. The vehicle you drive is one of the biggest factors in the cost of auto insurance. For example, a Kia Telluride costs $1,406 less per year to insure in Naperville than a Nissan GT-R. Lower performance equals cheaper rates.
• Your choice of occupation could lower your rates. Some insurance companies offer discounts for having a job in professions like engineers, members of the military, police officers and law enforcement, nurses, architects, and others. Qualifying for this discount could save between $47 and $152 on your annual insurance bill.
• Remove optional coverage on older vehicles. Removing comprehensive and/or collision coverage from vehicles whose value has dropped to the point where coverage is not cost effective can cheapen the cost substantially.
• Research discounts to lower the cost. Discounted rates may be available if the policyholders work in certain occupations, sign their policy early, are loyal customers, drive a vehicle with safety or anti-theft features, are military or federal employees, or many other discounts which could save the average Naperville driver as much as $262 per year.
• Avoid accidents for cheaper Naperville auto insurance rates. Causing too many accidents will raise rates, possibly up to $2,224 per year for a 20-year-old driver and as much as $382 per year for a 60-year-old driver. So be safe and save.