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Cheap Auto Insurance Quotes in Champaign, IL (January 2022)

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Last Updated: January 2022
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Car Insurance in Champaign, IL

The average cost of Illinois car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Champaign, IL to find you the cheapest quotes in the area.
$42
$77
$92
$99
$129
ProgressiveState FarmNationwideTravelersAmerican Family

Cheapest Car Insurance in Champaign, IL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$126
$139
$120
$111
$159
$102
IllinoisChicagoAuroraRockfordJolietChampaign
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Champaign, IL Driving Facts

illinois

Minimum Car Insurance Requirements in IL

Illinois drivers must keep a copy of their insurance card in their vehicle at all times.

If you’re pulled over and you cannot provide proof of insurance, you will be required to provide that proof in court. And you’ll face a $100 fine.There are several important insurance requirements for minimum coverage for Illinois drivers:

  • Bodily injury coverage per person / per accident: $25,000 / %50,000
  • Property damage liability coverage:  $20,000
  • Uninsured motorist bodily injury: $20,000/$40,000
  • Uninsured motorist property damage: $15,000 with $250 deductible
  • Underinsured motorist coverage: $25,000/$50,000

Liabiltiy insurance coverage is non-negotable. You can, however, reject uninsured motorist coverage if you want to. You’ll need to do so in writing. Of course, we don’t recommend doing so, especially because an estimated 13.7% of Illinois drivers are uninsured. 

Other optional coverages for your auto policy include, of course, comprehensive and collision. Comprehenisve coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision. Collision coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”

Find local Champaign agents

InsureChampaign
1817 S Neil St Ste 102, Champaign, IL 61820-7268
Hall Insurance Services, Inc.
711 South Neil St, Champaign, IL 61820
Thomas & Ellars Insurance Agency, Inc.
401 Devonshire Drive, Champaign, IL 61820
Strategic Farm Marketing, Inc.
1701 Broadmoor Dr Ste 100, Champaign, IL 61821-5968
Insurance Risk Managers
2104 Windsor Pl Ste B, Champaign, IL 61820-7773
Prairieland Insurance Group, LLC
2009 Fox Drive Ste M, Champaign, IL 61820-4638
Snyder Insurance Agency
2500 Village Green Place, Champaign, IL 61822
Insurance Providers Group of Illinois, LLC
3302 Mission Dr, Suite 104, Champaign, IL 61822
J L S insurance Agency
4405 Copper Ridge Rd, Champaign, IL 61822-9286
GTPS Insurance Agency
1311 S Neil, Champaign, IL 61820-6558

Insurify Insights: How Champaign Drivers Measure Up

toyota
Toyota Camry
Most Popular Car in
Champaign, IL
suspended licenses
#22
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Champaign drivers measure up to their fellow Illinois motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Champaign

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Champaign drivers rank 1 in the number of car accidents per driver across all cities in Illinois.

  • Rank within state: #1
  • Percent of drivers in Champaign with an accident: 12.17%
  • Drivers in Champaign, IL with an accident in their driving history paid on average 6.98% more than drivers with a clean record

Speeding in Champaign

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Illinois, Champaign drivers rank 15 in the number of speeding infractions per driver.

  • Rank within state: #15
  • Percent of drivers in Champaign with a speeding ticket: 9.52%
  • Drivers in Champaign, IL with a speeding ticket in their driving history paid on average 20.93% more than drivers with a clean record

DUI/DWIs in Champaign

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Champaign drivers rank 14 in the number of DUI’s per driver across all cities in Illinois.

  • Rank within state: #14
  • Percent of drivers in Champaign with a DUI: 1.32%
  • Drivers in Champaign, IL with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Champaign

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Champaign is the Toyota Camry.

Hybrid/Electric Vehicle Ownership in Champaign

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Champaign drivers rank 4 in hybrid and electric vehicle ownership across all cities in Illinois.

  • Rank within state: #4
  • Percent of drivers in Champaign with a hybrid/electric vehicle: 1.98%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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