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Car Insurance
Champaign IL
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No Long Forms
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(888) 291-7830
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Written by: Andrew Brown
Quality Checked by: Samantha Reed
Illinois is the fifth most expensive state in the country when it comes to car insurance. Illinois drivers pay an average of $1,155 a year for car insurance — that's nearly 25% above the national average. There are several factors that contribute to Illinois' high rates, including its dense population, numerous uninsured drivers, and higher than average lawsuit costs. Illinois also has some of the strictest liability laws in the nation, which can increase premiums significantly. Drivers living in Champaign should shop around and compare car insurance quotes before settling on a policy to make sure they get the best deal possible.
Additionally, Champaign drivers may be able to save money by taking advantage of discounts and bundling their policies with other services such as home or life insurance. Drivers should also maintain a good driving record to keep premiums low and take advantage of Illinois’ safe driver program, which rewards drivers who have been accident-free for two or more years with discounts on their car insurance rates. With the right combination of shopping around and taking advantage of available discounts, Illinois drivers can find affordable car insurance that meets their needs.
Young drivers in Champaign face especially high rates, as they are generally considered to be higher risk drivers. Illinois auto insurance companies typically view drivers under the age of 25 as inexperienced and more likely to be involved in an accident. This means they charge them higher premiums than older, more experienced drivers.
On average, Champaign drivers pay $2,349 a year for car insurance if they’re under the age of 25 — nearly twice as much as the state’s overall average rate. Drivers aged 25-44 pay an average of $1,318 a year for car insurance while those aged 45-64 pay $968 a year — both significantly lower than Illinois’ overall average rate. Additionally, Illinois drivers over the age of 65 pay an average of only $726 a year for car insurance.
To save on Champaign auto insurance, young drivers should take advantage of discounts such as good student and safe driver discounts, as well as look for policies with higher deductibles to reduce their premiums. Drivers of all ages should also shop around and compare multiple car insurance quotes before settling on a policy. By taking these steps, Illinois drivers can find more affordable car insurance that meets their needs.
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| Country Financial | American Family | Travelers | Progressive | Farmers |
| NAIC Market Share | 0.48% | 2.28% | 1.94% | 12.25% | 4.16% |
| S&P Global Ratings | A+ | A | A | A | A |
| Average Full Coverage Yearly Premium | $2,545 | $2,770 | $3,171 | $2,515 | $5,934 |
| Discount Rating | 4 stars | 4stars | 5 stars | 5 stars | 4 stars |
|
| Country Financial | American Family | Travelers | Progressive | Farmers |
| NAIC Market Share | 0.48% | 2.28% | 1.94% | 12.25% | 4.16% |
| S&P Global Ratings | A+ | A | A | A | A |
| Average Full Coverage Yearly Premium | $2,545 | $2,770 | $3,171 | $2,515 | $5,934 |
| Discount Rating | 4 stars | 4stars | 5 stars | 5 stars | 4 stars |
|
| Country Financial | American Family | Travelers | Progressive | Farmers |
| NAIC Market Share | 0.48% | 2.28% | 1.94% | 12.25% | 4.16% |
| S&P Global Ratings | A+ | A | A | A | A |
| Average Full Coverage Yearly Premium | $2,545 | $2,770 | $3,171 | $2,515 | $5,934 |
| Discount Rating | 4 stars | 4stars | 5 stars | 5 stars | 4 stars |
501 E University Ave #1, Champaign, IL 61820
(217) 367-1105
https://www.johncaywoodinsurance.com/
711 S Neil St, Champaign, IL 61820
(217) 352-8833
https://hallinsure.com/
1112 W University Blvd, Urbana, IL 61801
(217) 666-6012
https://www.freewayinsurance.com/office-locator/urbana-car-insurance-61801-il/
816 N Country Fair Dr Ste 2, Champaign, IL 61821
(217) 356-0529
https://www.shelterinsurance.com/
2002 S Neil St, Champaign, IL 61820
(217) 355-5555
http://www.bryainsurance.com/
1422 S Neil St, Champaign, IL 61820
No phone number found
https://www.cheapcarinsurance.net/
When shopping for car insurance in Champaign, it’s important to compare multiple quotes from different companies. Illinois has a wide range of auto insurance providers, each with its own rating system and features.
Some of the top-rated Illinois auto insurers include State Farm, GEICO, Progressive and USAA. These companies all offer competitive rates and discounts for Illinois drivers. Additionally, Illinois drivers may be eligible for additional discounts such as good student or safe driver discounts. Champaign drivers should also research customer reviews before selecting an insurer to make sure they choose one with a good reputation for customer service.
| Driving Infraction Type | Average Annual Premium | Potential Quote Savings |
| DUI | $3282 | $1007 |
| Reckless Driving | $3144 | $977 |
| Wrong Way/Wrong Lane | $3113 | $944 |
| Driving on Sus. License | $3024 | $929 |
| Illegal Turn | $2894 | $882 |
| Failure to Obey Traffic Sign | $2614 | $860 |
| Speeding over 15 | $2591 | $867 |
| Defective Equipment | $2599 | $784 |
| Speeding under 15 | $2458 | $766 |
Illinois’ strict liability laws mean that drivers who are involved in accidents can face heavy fines and insurance rate increases. Champaign drivers with a DUI conviction, for example, may face steep premiums of up to $5,000 per year for three years. Drivers with multiple moving violations such as speeding tickets may also see their rates increase significantly.
To avoid costly rate increases, Champaign drivers should maintain a clean driving record and take advantage of Illinois’ safe driver program. Additionally, they should shop around and compare quotes from different companies before settling on a policy to make sure they get the best deal possible. By taking these steps, Illinois drivers can save money on car insurance while protecting themselves on the road.
| Credit Rating | Average Rate |
| Average of All Credit Ratings | $1152 |
| Below Fair | $1969 |
| Poor | $2157 |
| Worst | $2409 |
In Illinois, insurance companies have the right to consider your credit score when determining your premium. Studies have shown that drivers with lower credit scores are more likely to file a claim than those with higher scores. As such, Champaign auto insurers typically charge higher premiums for drivers with bad or poor credit scores.
To get the best rates possible, Champaign drivers should work to improve their credit score by paying bills on time and avoiding unnecessary debt. Additionally, they can shop around and compare quotes from different companies before settling on a policy in order to find an affordable rate that fits their budget. By taking these steps, Illinois drivers can save money on car insurance while still getting the coverage they need.
When shopping for car insurance in Illinois, it’s important to consider the total cost of your policy — not just the premiums. Champaign drivers should also factor in any additional fees associated with their policies such as taxes, processing fees and surcharges. Additionally, Illinois drivers should read the terms and conditions of their policies carefully to make sure they know exactly what is covered by their policy and understand any exclusions or limitations.
By considering the full cost of a policy before signing on the dotted line, Champaign drivers can save money on car insurance while still getting adequate coverage for their vehicles. Shopping around and comparing quotes from different companies is also essential when trying to find an affordable Illinois auto insurance policy. By taking these steps, Illinois drivers can save money on car insurance while still getting the coverage they need.
Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.
When looking for car insurance in Champaign, drivers should consider the differences between full coverage and liability only policies. Full coverage policies offer more comprehensive protection against damage to your vehicle and yourself, while liability only policies cover third party property damage and bodily injury resulting from an accident. Drivers should think about their individual needs when selecting a policy, as some may find that a full coverage policy provides better peace of mind.
In Champaign, it is illegal to drive without proof of financial responsibility such as auto insurance or a bond. As such, Illinois drivers must purchase at least a minimum level of liability insurance before they can legally operate their vehicles. Additionally, Illinois drivers are advised to compare quotes from different companies before settling on a policy so they can get the best deal possible. By taking these steps, Illinois drivers can save money on car insurance while still getting the coverage they need.
In Champaign, drivers must have a minimum level of liability coverage in order to be legally insured. Illinois drivers are required by law to carry bodily injury liability insurance and property damage liability insurance, with minimum limits of $25,000 per person for bodily injury and $20,000 per accident for property damage. Illinois drivers should keep in mind that these are only the legal minimums — they may want to consider additional coverage if their vehicles or personal assets are worth more than the minimums.
In Champaign, non-owner car insurance is a type of policy that can provide liability coverage for drivers who do not own or lease a vehicle but still need to drive one. It is usually purchased by drivers who rent cars frequently or borrow someone else’s car on occasion. Non-owner policies typically have lower premiums than regular auto insurance policies and they can provide peace of mind in the event of an accident while driving someone else’s car.
Non-owner insurance is not mandatory in Champaign, but it can be useful for drivers who regularly drive other people’s vehicles. Illinois drivers should compare quotes from different companies before settling on a policy so they can get the best deal possible.
In Champaign, drivers may be eligible for car insurance discounts that can help them save money on their premiums. Illinois drivers may qualify for discounts based on a variety of factors such as their driving record, vehicle safety features and membership in certain organizations or programs. Drivers should talk to their insurance agent about what discounts they might qualify for so they can take advantage of any savings opportunities.
If you’re a parent in Champaign and are looking for ways to protect your teen with car insurance coverage, look no further! Illinois has specific laws that require all drivers to have auto liability insurance before they drive.
For Champaign teens who are first time drivers, it is important that parents understand the risks associated with young driving. The Illinois Department of Insurance recommends getting a basic liability policy as soon as possible to ensure that their teen is properly protected in case of an accident. Liability policies will help cover any damage caused by their teenage driver if they’re at fault.
It’s also important to consider additional coverage options such as uninsured/underinsured motorist coverage, personal injury protection and collision and comprehensive coverage. These should also be taken into account when looking for an Champaign car insurance policy for your teen driver.
Finally, Champaign parents can take advantage of insurance discounts to help lower their premiums. Many companies offer discounts for good grades and successful completion of a driver’s education course. You may also qualify for discounts if you have multiple vehicles or drivers on one policy.
Getting car insurance coverage for your Champaign teenager doesn’t need to be a daunting task. Work with a licensed and experienced Illinois agent who will assist you in finding the right auto insurance policy that meets your needs and fits within your budget. Your teen will then be able to enjoy the freedom of driving safely knowing they are fully protected!
Getting car insurance for Champaign seniors can be just as important for their overall financial security as it is for younger drivers. Illinois requires all motorists to carry liability coverage in the form of bodily injury and property damage protection, but Illinois seniors may want to consider additional types of coverage such as uninsured motorist and collision or comprehensive.
Seniors should also look into discounts that many Illinois insurers offer specifically for older drivers. Many companies provide discounts for good driving records, completion of a defensive driving course, or bundling multiple vehicles under one policy. Other ways Champaign seniors can save on their auto insurance premiums include raising deductibles and taking advantage of loyalty programs with their insurer.
SR-22 insurance is required for Champaign drivers who have committed certain traffic violations or been convicted of a DUI/DWI. An Illinois SR-22 form is typically required by the state to verify that you are carrying the minimum liability coverage and are financially responsible if an accident were to occur.
Drivers who need SR-22 insurance in Champaign should contact their current auto insurer to see if they’re able to provide this type of coverage. If not, they should shop around for other companies that offer this type of policy. It’s important to make sure you keep up with your payments on time so that your SR-22 remains valid and in good standing with Illinois authorities.
Increasing your Champaign car insurance deductible is a great way to reduce your auto insurance premiums. Increasing your deductible means that you are taking on more of the risk in the event of an accident, so a higher deductible will result in lower monthly premiums.
When choosing Champaign auto insurance, it’s important to compare rates from various companies. Geico and Allstate are two of the leading Illinois car insurance providers with competitive rates. Both companies offer a variety of coverage options, discounts and loyalty programs that can help Illinois drivers save on their monthly premiums. Additionally, Geico offers its customers the convenience of online quotes while Allstate offers more comprehensive coverage options such as accident forgiveness and disappearing deductibles. Ultimately, when deciding between Geico vs Allstate in Illinois, it’s best to compare different policies to find the one that offers the most value for your money.
Nationwide and Progressive are two Champaign auto insurance companies that provide a range of coverage options and discounts to Illinois drivers. Both companies offer competitive rates on liability coverage as well as additional protection such as uninsured motorist, rental reimbursement and roadside assistance. Nationwide offers a variety of discounts including safe driver, multi-vehicle and good student discounts while Progressive has a wide selection of customizable policies for Illinois drivers looking for comprehensive coverage. When choosing between Nationwide vs Progressive in Illinois, it’s important to compare their various policies to find the one that best fits your needs and budget.
Speeding tickets can have a big impact on Champaign car insurance rates, as they are an indication of risky driving behavior. Illinois auto insurers take speeding violations very seriously, and most will increase premiums drastically for drivers who accumulate multiple speeding tickets. It’s important to always obey the speed limit in Illinois and avoid any citations that could lead to higher insurance costs. Additionally, some Illinois auto insurers may offer discounts for completing a defensive driving course which could help offset the cost of the ticket and reduce your monthly premiums.
Most Champaign IL auto insurers allow policyholders to bundle multiple cars under one policy for a discounted rate. This is especially beneficial for Illinois drivers with multiple cars in their household, as they can save on premiums by insuring all of their vehicles under one policy. Illinois auto insurance companies typically have different limits on the number of cars that can be included in a single policy, so it’s important to check with your provider for more information.
Uninsured motorist coverage is an Illinois car insurance option that provides additional protection if you are involved in an accident with an uninsured driver. This type of coverage will help cover the cost of repairs and medical bills should you be involved in an accident caused by a driver who does not have Illinois auto insurance. It is important to remember that this type of coverage only applies if the other driver is at fault and does not have Illinois auto insurance, so it’s important to consider this option if you are looking for additional protection. The premium for uninsured motorist coverage in Illinois depends on your deductible amount - the higher the deductible, the lower your monthly premiums will be. Ultimately, uninsured motorist coverage can provide Champaign drivers with peace of mind knowing they are protected in case of an accident with an uninsured driver.
It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Champaign, Illinois. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Champaign, IL. If you're looking for coverage after a DUI conviction then take a look at SR22 insurance in Illinois.
Bundling auto and homeowners insurance in Champaign promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Champaign insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.
While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Champaign at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.
The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.
Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.
