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If you're curious whether you're paying too much for auto insurance in Aurora IL, we can help.

Too many people have no idea how much money they are throwing away by paying higher than needed premiums for their auto insurance in Aurora, IL. We can help you find cheap auto insurance in Aurora IL quickly and easily.

Just put your zip code in the box above, and compare quotes from major insurers offering discount rates in the Aurora area. Then you can make a quality decision regarding saving your money.

Why waste time driving all over town or spend time on the phone going from insurance agency to insurance agency in Aurora? Sit back and relax. We'll take it from here, and your quotes will be ready in no time.

Minimum Illinois Auto Insurance Requirements

The law requires that all motor vehicles registered and used in Illinois must be covered by liability insurance. Liability insurance covers property damage and any injuries you may cause to others in an auto accident.

The minimum limits required in Illinois for Bodily Injury Liability Coverage are $20,000 per person (injured in any one accident) and $40,000 for all people injured in any one accident.

The minimum limit required for Property Damage Liability Coverage is $15,000 for any damage to the property of others in any single accident.

These required insurance limits are often referred to as 20/40/15.

Each insurance company provides an insurance verification card for their policyholders. That card must be in your vehicle when it is driven. If a law enforcement officer requests to see the verification card, you must produce it. An insurance verification card is normally given to you when you purchase your policy and when it is renewed, as well.

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Insurance is basically a tool that is used to spread the risks of providing coverage among groups or individuals. Insurance companies use statistics to help them predict the levels of risk for various groups/individuals. As a result, higher risk factors automatically result in higher premiums, and lower risk factors cause premiums to automatically be lower.

Insurance companies look at various factors in order to determine the total premium that an individual will have to pay for their automobile insurance. Those numerous factors combine to result in the final premium you are quoted. Your driving record (tickets/accidents,) the location where you live, your gender, and your age are a few of the factors which are used.


In Illinois, there is a minimum fine of $500 for operating a motor vehicle that is not insured.

Additionally, there is a minimum fine of $1,000 for driving a motor vehicle on which the registration was suspended for not having insurance.

Optional Coverages Available

Accidental Death Benefit – Will pay a death benefit if the insured dies because of an automobile accident.
Medical Payments – Will cover medical and funeral expenses for you or your passengers if injured or killed in an auto accident in your vehicle. It will also cover you and your family members if struck by a vehicle while walking or while riding in another person's vehicle. This coverage pays even if you are at fault in the accident.
Physical Damage/Repair/Replace Coverage – Will pay for a new vehicle if the cost to repair your vehicle is more than the value of a new car. This endorsement is usually available only during the first three model years.
Gap Coverage for Leased or Financed Vehicles – Will pay the difference between your vehicle’s actual cash value and what you still owe on your loan or lease.
Rental Reimbursement – Will pay a specific amount per day (e.g. $15) to rent a vehicle while yours is being repaired due to a loss covered under your policy.
Towing – Will pay all or part of the cost to tow your disabled vehicle to a repair shop.
Custom/Non-Factory Equipment – Will cover customized features found in conversion vans, as well as tape decks, CB radios, CD players, cell phones, etc. which are added after the vehicle left the factory.
Uninsured Motorist Property Damage (UMPD) – Will cover damage to your automobile caused by an identified, at-fault, uninsured driver. If you do not have collision coverage on your policy, this coverage is available for a maximum of $15,000 and is subject to a $250 deductible.

Uninsured Motorist Insurance

Liability insurance policies, under Illinois law, automatically have Uninsured Motorist coverage included at the legal minimum requirements for bodily injury or death.

This means you have coverage if you are involved in an auto accident with an uninsured driver.

Potential Discounts:

* Defensive driver – For drivers over 55 who pass an approved defensive driving course.
* Anti-theft devices – Discount applied to your comprehensive coverage for devices that deter theft/vandalism.
* Low annual mileage – For vehicles driven less than a certain number of miles per year, usually 7,500.
* Auto/home multi-line – Discount given if your auto and homeowners policies are with the same company.
* Car pool – Discount offered to those in a shared-vehicle car pool.
* Good driver – For policyholders who have and maintain good driving records.
* Good student – Offered to younger drivers who maintain a “B” average or better in school.
* College student away from home – For college students who attend school over 100 miles away from home if a vehicle is not taken along.
* Mature driver credit – Offered to drivers over a certain age, usually around 50.
* Multiple vehicles – Given when the same company insures two or more vehicles in your household.
* Safety devices – Offered for items like air bags, anti-lock brakes, and automatic seatbelts.

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We encourage you to learn all you can about auto insurance, so you can be a wise consumer.

Use the box provided above to enter your zip code, so you can get the quotes you need. Then use those quotes to purchase the policy that's right for you!
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