Auto Insurance in Aurora, IL

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Driving in Aurora, Illinois, (IL)

Because Aurora, Illinois, (IL) is located only 32 miles from the large city of Chicago, approximately 14% of the population of nearly 200,000 drives to the city to work. The average commute for residents of Aurora is 28.8 minutes, which exceeds the U.S. average of 26.4 minutes. With over 78% of commuters driving their own vehicles and another 11% carpooling with others, it's obvious that residents are reliant on their vehicles. This indicates a high need for car insurance in Aurora, for the safety of self and others and for protection of financial and physical assets.

Liability Car Insurance in Aurora

Finding the best car insurance policy is important for your safety and peace of mind. The law in Illinois also requires it. Under state law, all drivers are required to carry liability insurance. The law also requires liability insurance policies to include uninsured motorist coverage for bodily injury or death with legal minimum requirements. While state law does not mandate carrying comprehensive, collision, medical payments or uninsured property damage policies, the state will vigorously enforce liability coverage. In fact, beginning July 1, 2021, the Secretary of State began computer-checking the insurance compliance of all Illinois drivers to lower the number of uninsured motorists. These checks will be conducted twice each year, generating a letter warning of license suspension if insurance is not obtained. A $100 fine is required for reinstating the suspended plates. Noncompliant drivers who are stopped by police officers or caught in an accident could face $500 fines for uninsured driving and $1000 for driving with suspended plates. Illinois law requires the following auto liability insurance coverage minimums:

  • $25,000 for death or single personal injury
  • $50,000 for death or multiple personal injuries
  • $20,000 for property damage

Pricing Car Insurance Premiums

At VIU by HUB, we are confident in our knowledge of the Illinois area to assist you in finding the highest-quality car insurance in Aurora, IL. To assist you in understanding the effects on the cost of your premiums, here is a list of factors that help determine car insurance prices:

  • Automobile use: premiums are generally higher for those who travel long distances daily.
  • Car ratings and features: a high safety rating on your vehicle's make and model will lower your premium, as will safety features such as anti-lock brakes and side air bags.
  • Credit history: Illinois insurance agents may use credit-based insurance scores to assess your risk, including your payment history, credit history length, outstanding debt, credit mix, and pursuit of additional credit.
  • Deductible structure: choosing a higher deductible is an easy way to lower your overall premiums if you can pay a higher out-of-pocket amount in the event of an accident.
  • Demographics: your age, gender, and marital status are all considered in pricing your premiums. Younger, unmarried men are statistically more likely to be involved in an accident than older, married women or men, and are therefore more expensive to insure.
  • Driving record: a history of driving violations will usually result in higher insurance premiums.
  • Location: features of your hometown and workplace are considered in setting premiums. Higher population density and crime rates result in higher insurance rates.
  • Type of coverage: save money by choosing a less expensive policy with lighter coverage. Liability-only policies are less expensive than full coverage because of the larger amount of protection afforded by full-coverage insurance.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

Auto insurance in Illinois by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.