Aurora, Illinois Car Insurance 

A new kind of insurance in the City of Lights.

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Car Insurance in Aurora

Going to grab a slice at Lou Malnati’s, or heading for a day of fun at the Phillips Park Zoo? You can drive with confidence in Aurora knowing you’re covered with car insurance, from Lemonade.  

We’ll take you through the basics of car insurance coverage in Aurora, and keep you on the edge of your seat with some insider tips and tricks for Aurora drivers. 

The requirements and limitations for car insurance in Aurora are determined by the state of Illinois. But don’t sweat the details. When you apply for Lemonade Car, we’ll automatically get you hooked up with the coverages you need, and offer extra coverages to help you feel protected behind the wheel. 

What car insurance coverage is required in Aurora? 

Just a refresher: A “limit” in regard to your car insurance policy refers to the maximum amount your car insurance company would pay out under a certain type of coverage when you make a claim. 

For example, for bodily injury liability coverage, Illinois bodily injury limits are: $25,000/$50,000. These numbers reflect that you carry $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in an accident.) 

To drive in compliance with Illinois car insurance requirements, at a minimum, Aurora drivers need the following coverages and coverage amounts.

Required minimum coverages for Aurora driversMinimum amount required
Bodily injury liability coverage$25,000/$50,000
Property damage liability coverage$20,000 
Uninsured motorist coverage/underinsured motorist bodily injury coverage$25,000/$50,000

Keep in mind: Your level of coverage doesn’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage, and include optional add-on coverages, when you build your policy on the Lemonade app. 

Additional coverages available to Aurora drivers

Aurora drivers who drive with Lemonade Car can (and probably should) add the following coverages to boost their protection behind the wheel. 

What add-on coverages does Lemonade Car offer?What can it help pay for?
Collision coverageTo repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Comprehensive coverageTo fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Medical payments coverage (aka MedPayMedical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Uninsured/underinsured motorist property damage coverageTo repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Temporary transportation coverageTransportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.

In addition, if you get into an accident, all Lemonade drivers who drive with the Lemonade app get roadside assistance, on us. Just make sure that all the drivers covered on your policy have the app downloaded with location services and permissions enabled.

Want to dive into the nitty-gritty of what Illinois car insurance has to offer? Get the full scoop here

How much does Lemonade Car insurance cost in Aurora?

Well, that depends. 

Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles. But at Lemonade Car, the way you actually drive matters. So when you’re building a quote, things like your driving record, your driving habits, and how many miles you drive help us determine the fairest price for your car policy.

But when you buy a Lemonade Car policy, you’ll have the chance, over every six month term, to prove your safe driving habits. Those habits can boost your Lemonade Safety Score and possibly lower your car insurance rates (especially if you keep a clean driving record).

The right car insurance combines the coverage you need with a rate and deductibles you can afford. That’s why Lemonade Car offers insurance you can easily customize. Because you deserve a policy that feels just right—and fits your budget. Learn more about the cost of insurance at Lemonade Car and how you could lower the cost of your rates. 

The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website

Click below to get your car insurance quote in Aurora. 

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What to do in Aurora, Illinois 

Looking to explore the city for an afternoon? Buckle up: These super quick trips might satisfy your wanderlust while hanging out in the “City of Lights”.

Phillips Park Zoo 

Located right in Aurora, IL, Phillips Park Zoo is a delightful, family-friendly experience. This charming, free-admission zoo showcases native animals like wolves, otters, and eagles, offering an educational glimpse into local wildlife. Nestled in scenic Phillips Park, the zoo, along with the park’s beautiful gardens, serene lake, and picnic areas, makes for a perfect day of outdoor fun and exploration.

Blackberry Farm

Visiting Blackberry Farm in Aurora, IL, offers a charming glimpse into 19th-century farm life with interactive exhibits, wagon rides, and farm animals. Ideal for families, this living history museum features hands-on activities, beautiful grounds, and seasonal events, making it a delightful destination for outdoor fun and learning.

Sri Venkateswara Swami (Balaji) Temple

Visiting the Sri Venkateswara Swami (Balaji) Temple is a serene experience. Located in Aurora, known for its stunning architecture and peaceful atmosphere, the temple offers regular religious ceremonies and cultural events, providing insight into Hindu traditions. Its tranquil surroundings and vibrant spiritual energy make it a must-visit destination.

Other ways of getting around Aurora 

While cars can be a major convenience, sometimes it’s just quicker and cheaper (not to mention better for the planet) to find an alternative. Luckily, Aurora is a great city to walk or bike, offering public transportation as well! 

At Lemonade Car, we reward low-mileage drivers with lower premiums. So, Aurora drivers who are behind the wheel fewer than 9,000 miles a year (around 22 miles daily) could be eligible for a low-mileage discount. 

Because of that, we encourage you—when possible—to go out and about without your car. Luckily, Aurora boasts a number of alternative transportation methods. Let’s explore some of the options.

On foot 

According to WalkScore, most errands around Aurora can be accomplished on foot so you can get your legs moving to travel around town! The city has a compact downtown area and well-maintained sidewalks. With a vibrant atmosphere, you can easily walk to grab a bite to eat at one of the many restaurants or take a trip to the art gallery to admire the work of local artists. 

By bike

Similar to Aurora’s walkability, they are also a great city to explore on two wheels. Aurora boasts an extensive network of bike trails and lanes, making it a bike-friendly city. No bike? No problem in Aurora, as the city has recently implemented the Koloni Fox Valley Bike Share! Currently, there are three bike-sharing stations for you to grab a ride before your cruise around town. 

By bus

The city of Aurora is served by Pace Suburban Bus Service, operating on several routes within the city and surrounding areas. With frequent stops, convenient schedules, and a real-time Pace Bus Tracker, the bus system offers an affordable and reliable way to travel around without driving. 

How accessible are hybrid and electric vehicles in Aurora?

As accessibility, efficiency, and upfront costs of hybrid and electric vehicles (EV) improve, the trends of drivers heading toward the future do too. In 2021, EVs (including plug-in hybrids) already made up 10% of new car sales in the US. And the market is expected to continue growing exponentially as new makes and models, legislation, and incentives become available.

According to ChargeHub, Aurora hosts 51 public charging station ports. Another incentive to go electric in Aurora? The Illinois Electric Vehicle Rebate Program. Within the eligibility requirements, Illinois residents who purchase a new or used all-electric vehicle can receive rebates of up to $4,000. 

The array of hybrid and EV opportunities in Aurora will continue to brighten as more initiatives are implemented—from community-driven public charging station projects, to state and nation-wide legislation and funding programs. 

At Lemonade Car, we support Aurora drivers who make environment-friendly choices. We offer awesome protection and perks for hybrids and EVs—like coverage for your home charging station or a portable charger, or getting you a tow to a charging station as part of our roadside assistance program. 

Before we drive off into the sunset… 

Aurora drivers, we can’t wait for you to take Lemonade Car for a spin! Fingers crossed you don’t get stuck in rush hour traffic on the I-31… 

Lemonade offers top-of-the-line coverage and trunkloads of discounts—plus opportunities to make the road (and the world around us) a better place. Applying for your free quote is easy, and coverage starts at just $30/month. 

Our great coverage and super fast claims resolution don’t stop at Lemonade Car though. Did you know we also offer renters, homeowners, pet, and life insurance? Not only will you become eligible for our bundling discounts, but you can also manage each of your Lemonade policies through the same app you use for Lemonade Car.

Let’s drive.

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A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states.


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.