Affordable Car Insurance Rates in Champaign, IL (2024)
Car insurance rates in Champaign, IL are $251/month on average. By law, Illinois drivers need to carry at least 25/50/20 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Champaign car insurance companies to get the coverage you need at the best rates available.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Champaign, IL for senior drivers are $1,708/year
- Average car insurance rates in Champaign, IL are $251/month
- The cheapest car insurance company in Champaign for teen drivers is Geico
Average car insurance rates in Champaign, Illinois are $251 a month. But with a little research you can get a great deal from the top car insurance companies in Champaign, IL. Before you buy Champaign, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.
It may even be helpful to compare Champaign car insurance rates with Springfield car insurance rates, Aurora car insurance rates, or Peoria car insurance rates to make sure you’re getting the best Champaign, IL car insurance quotes available.
Need affordable Champaign, IL car insurance? Enter your ZIP code to compare Champaign car insurance quotes from multiple car insurance companies near you.
Champaign, IL Minimum Car Insurance Coverage
Champaign, Illinois law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Champaign, IL Car Insurance Rates by Coverage Level
Some Champaign drivers can get by with the Illinois minimum coverage of 25/50/20. Other drivers may need more. See how much your Champaign, Illinois car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,642 | $4,795 | $4,963 |
| American Family | $3,285 | $3,549 | $3,436 |
| Farmers | $3,931 | $4,038 | $4,459 |
| Geico | $2,056 | $2,249 | $2,448 |
| Liberty Mutual | $2,019 | $2,126 | $2,242 |
| Nationwide | $2,816 | $2,861 | $2,830 |
| Progressive | $3,019 | $3,280 | $3,603 |
| State Farm | $2,044 | $2,174 | $2,291 |
| Travelers | $2,142 | $2,284 | $2,434 |
| USAA | $2,613 | $2,802 | $2,999 |
Champaign, IL Car Insurance Rates by Age, Gender, and Marital Status
Champaign, Illinois car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Champaign, IL car insurance, get quotes from multiple car insurance companies in the Champaign area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,041 | $3,055 | $3,185 | $3,185 | $7,991 | $10,347 | $3,652 | $3,946 |
| American Family | $2,111 | $2,111 | $1,939 | $1,939 | $6,075 | $8,371 | $2,111 | $2,729 |
| Farmers | $2,181 | $2,180 | $1,930 | $2,045 | $9,642 | $10,060 | $2,496 | $2,606 |
| Geico | $1,402 | $1,430 | $1,356 | $1,635 | $4,274 | $4,450 | $1,774 | $1,688 |
| Liberty Mutual | $1,294 | $1,394 | $1,073 | $1,196 | $4,401 | $4,891 | $1,355 | $1,428 |
| Nationwide | $1,798 | $1,826 | $1,602 | $1,693 | $4,999 | $6,397 | $2,100 | $2,270 |
| Progressive | $1,883 | $1,764 | $1,554 | $1,636 | $7,043 | $7,881 | $2,236 | $2,409 |
| State Farm | $1,333 | $1,333 | $1,202 | $1,202 | $3,988 | $5,046 | $1,511 | $1,745 |
| Travelers | $1,425 | $1,501 | $1,316 | $1,399 | $4,229 | $5,331 | $1,506 | $1,584 |
| USAA | $1,662 | $1,687 | $1,547 | $1,519 | $5,440 | $5,991 | $2,190 | $2,400 |
Champaign, IL Car Insurance Rates for Teens
How much is Champaign, Illinois car insurance for teens? Compare rates from top Champaign car insurance companies below to help find the cheapest teen car insurance in Champaign, IL.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,991 | $10,347 |
| American Family | $6,075 | $8,371 |
| Farmers | $9,642 | $10,060 |
| Geico | $4,274 | $4,450 |
| Liberty Mutual | $4,401 | $4,891 |
| Nationwide | $4,999 | $6,397 |
| Progressive | $7,043 | $7,881 |
| State Farm | $3,988 | $5,046 |
| Travelers | $4,229 | $5,331 |
| USAA | $5,440 | $5,991 |
Champaign, IL Car Insurance Rates for Seniors
Before seniors buy Champaign, Illinois car insurance, they should make sure to shop around. Some Champaign, IL car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,185 | $3,185 |
| American Family | $1,939 | $1,939 |
| Farmers | $1,930 | $2,045 |
| Geico | $1,356 | $1,635 |
| Liberty Mutual | $1,073 | $1,196 |
| Nationwide | $1,602 | $1,693 |
| Progressive | $1,554 | $1,636 |
| State Farm | $1,202 | $1,202 |
| Travelers | $1,316 | $1,399 |
| USAA | $1,547 | $1,519 |
Champaign, IL Car Insurance Rates by Credit History
How does your credit history affect Champaign, IL car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,105 | $4,423 | $3,872 |
| American Family | $4,537 | $3,103 | $2,629 |
| Farmers | $4,698 | $3,962 | $3,768 |
| Geico | $3,600 | $1,770 | $1,384 |
| Liberty Mutual | $2,999 | $1,885 | $1,503 |
| Nationwide | $3,378 | $2,735 | $2,393 |
| Progressive | $3,762 | $3,190 | $2,950 |
| State Farm | $3,156 | $1,889 | $1,465 |
| Travelers | $2,780 | $2,253 | $1,826 |
| USAA | $3,730 | $2,567 | $2,117 |
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Champaign, IL Car Insurance Rates by Driver History
How does a single speeding ticket affect your Champaign, Illinois car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Champaign.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,389 | $5,856 | $5,458 | $4,497 |
| American Family | $2,513 | $3,585 | $4,744 | $2,850 |
| Farmers | $3,494 | $4,515 | $4,402 | $4,159 |
| Geico | $1,653 | $2,186 | $3,111 | $2,055 |
| Liberty Mutual | $1,774 | $2,519 | $2,211 | $2,012 |
| Nationwide | $2,290 | $2,956 | $3,471 | $2,626 |
| Progressive | $2,715 | $4,051 | $3,010 | $3,427 |
| State Farm | $1,972 | $2,368 | $2,170 | $2,170 |
| Travelers | $1,820 | $2,388 | $2,659 | $2,279 |
| USAA | $1,995 | $2,877 | $3,940 | $2,408 |
Champaign, IL Car Insurance Rates With a DUI
Even a single DUI can increase your Champaign, IL car insurance rates. Compare rates below to see which Champaign car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,458 |
| American Family | $4,744 |
| Farmers | $4,402 |
| Geico | $3,111 |
| Liberty Mutual | $2,211 |
| Nationwide | $3,471 |
| Progressive | $3,010 |
| State Farm | $2,170 |
| Travelers | $2,659 |
| USAA | $3,940 |
Champaign, IL Car Insurance Rates by ZIP Code
Just like Champaign car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Champaign, IL car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 61820 | $3,013 |
| 61821 | $2,985 |
| 61822 | $2,968 |
Champaign, IL Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Champaign, IL car insurance rates may be. Let’s take a look at average car insurance rates from top Champaign companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,800 | $4,800 |
| American Family | $3,380 | $3,467 |
| Farmers | $4,142 | $4,142 |
| Geico | $2,214 | $2,288 |
| Liberty Mutual | $2,129 | $2,129 |
| Nationwide | $2,835 | $2,835 |
| Progressive | $3,301 | $3,301 |
| State Farm | $2,115 | $2,225 |
| Travelers | $2,197 | $2,376 |
| USAA | $2,726 | $2,883 |
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Champaign, IL Cheapest Car Insurance Rates
How do the top Champaign, Illinois car insurance companies’ average rates stack up against the Champaign average monthly car insurance rates of $251? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Liberty Mutual |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Liberty Mutual |
Champaign, IL Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Champaign, Illinois car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,800 |
| American Family | $3,423 |
| Farmers | $4,142 |
| Geico | $2,251 |
| Liberty Mutual | $2,129 |
| Nationwide | $2,835 |
| Progressive | $3,301 |
| State Farm | $2,170 |
| Travelers | $2,286 |
| USAA | $2,805 |
Other Factors Affecting Champaign, IL Car Insurance Rates
Before you buy Champaign, Illinois car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Champaign, IL Commute Time
How does your Champaign, IL commute time compare with the average driver? In Champaign, the average commute is 15.4 minutes.
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Champaign, IL Car Insurance Quotes
Compare Champaign, IL car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.