Aurora, Illinois Auto Insurance

Get Car Insurance in Aurora 

If you’re an Aurora resident, you may be familiar with the hectic Chicago traffic and sprawling Illinois highways. Though you may be a confident driver, accidents can happen on the road. This is when having auto insurance in Aurora, IL that fits your needs may come in handy.  

At Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle), we understand the unique requirements of Aurora drivers. Whether you’re looking for Illinois’s minimum mandated coverage or a full coverage policy, our agents can help you tailor a policy that works for you. Here’s a brief overview on finding auto insurance in Aurora, what Illinois’s minimum required insurance is, and what Illinois Vehicle can offer you.  

Car insurance requirements in Aurora 

All drivers in Illinois must have required liability minimum coverage to drive lawfully. As of 2025, here are the mandated liability limits: 

• $25,000 for injury of one person in an accident 
• $50,000 for injury of more than one person in an accident 
• $20,000 for damage to a third party’s property 

Drivers in Illinois are also required to have the state minimum for uninsured motorist coverage on their policy. Though this coverage could mean both uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD), the state only mandates that drivers purchase the former. UMBI can help pay for injuries you receive from an accident involving an at-fault uninsured driver, while UMPD may cover damages to your vehicle from an at-fault uninsured driver. In Illinois, your required UMBI limits are:  

• $25,000 for bodily injury per person  
• $50,000 for bodily injury per accident  

Though these limits are Illinois’s required minimum, you may want to opt for more coverage depending on your needs. Illinois Vehicle works with carriers that can offer policies that range from Illinois minimum coverage to full coverage (which typically combines liability, comprehensive, and collision coverage). Our carriers also offer additional coverage like roadside assistance, which can help you access towing or lockout services if you’re stuck on the road.  

Cost of car insurance in Aurora 

The price of your car insurance premium can vary due to a combination of factors. If you live in Aurora or the greater Chicagoland area, these factors may include:  

• Your age and driving history 
• Make, model, and year of your vehicle 
• Your location 
• Coverage type and limits 

At Illinois Vehicle, we believe in helping you find a rate that aligns with your budget. That’s why we can compare rates from multiple carriers to help you pick a policy that aligns with your requirements. 

Why choose Illinois Vehicle? 

Finding the right auto insurance can feel daunting, but Illinois Vehicle is here to assist you with your insurance journey. Here are some reasons to consider us:  

• Accepts multiple types of licenses: Our carriers can assist drivers with a variety of driving histories and licenses, including Matricula Consular, temporary licenses, and foreign driver’s licenses.  
• SR-22 insurance: If you're required by a court to get an SR-22, our agents can help you navigate the filing process.  
• Flexible payment options: Aurora residents may rely on convenient payment methods, which is why we work with insurance providers who can accept both cash and credit payments.  
• Spanish-bilingual support: Illinois Vehicle agents can offer Spanish-bilingual customer support for those who would prefer to communicate in Spanish.  
• Expert agents with local knowledge: Our experienced agents are familiar with Illinois insurance laws and can help you tailor a policy that meets state requirements.  

Save on auto insurance in Aurora with discounts  

Worried about how expensive your policy may be? Carriers that we work with offer a variety of discounts that may help lower your premium. Discounts you may be eligible for include:  

• Paid-in-full discount: If you pay for your policy upfront you may receive a discount. 
• Multi-vehicle discount: Got more than one car in the household? Bundling them together in one policy may lower your premium.  
• Good student discount: Students with good grades may be able to get lower rates.  
• Proof-of-prior coverage discount: If you’ve had continuous coverage before switching over, you may be able to save on car insurance.   

Get insurance today 

Now that you know some basics about Aurora car insurance, you may be looking for a new policy. Call an Illinois Vehicle agent at 1-630-581-4805 or stop by one of our Chicagoland locations for a free personalized quote today! 
 

Disclaimer:   

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.