Best Auto insurance Rates in Champaign, Illinois

On average your neighbors pay $67 a month.

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With over 80,000 residents, Champaign, Illinois is a small town with a big tech presence. Home to the University of Illinois, offices of Yahoo!, Motorola, and other tech companies, Champaign is considered one of the top college town tech hubs in the country, but you don’t have to be a genius to know that saving money on your car insurance is a brilliant idea.

Average Champaign Car Insurance Rates

How much is car insurance in Champaign, IL? Rates here can be expensive. For many, premiums are higher than both the state and national average. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

Prices will vary depending on many factors including: your driving record and the number of claims filed in your zip code.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois' average insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Champaign, Illinois and save up to 40% on your premium.

Last year, 1,500 people used QuoteWizard to compare car insurance quotes in Champaign, IL from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Champaign, IL

This is our list of the most common car insurance companies reported by the 1,500 Champaign, Illinois QuoteWizard users last year. Of these users, 76 were uninsured.

Top 10 Vehicles

This is our list of the most common car makes and models owned by Champaign, IL drivers requesting quotes through QuoteWizard last year.

  1. Honda Civic
  2. Chevrolet Impala
  3. Chevrolet Blazer
  4. Buick Encore
  5. Nissan Maxima GLE/GXE/SE
  6. Toyota Rav4
  7. Kia Sorento
  8. Ford F150
  9. Chrysler 300
  10. Toyota Camry CE/LE/XLE
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Minimum Car Insurance Requirements in Champaign, IL

Champaign, Illinois has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most insurance companies will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence Champaign insurance rates.

Champaign drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Champaign has a humid climate with long hot summers and cold, sometimes severe winters. Champaign experiences an average of around 194 sunny days and a total of 113 days with any measureable precipitation. Champaign also sees an average of 23 inches of snow annually, routinely producing slick roads, which can cause accidents.

Road Conditions

According to Tripnet.org, 27% of the major roads in Illinois are in poor condition and 40% are mediocre. The poor condition of roads costs Illinois drivers $4.4 billion or $540 per motorist in extra vehicle operating costs on average. These costs are a direct result of driving on rough roads that can damage cars and contribute to car accidents.

Champaign receives around 30 calls a month for pothole repairs. In 2013, the City of Champaign filled 21,012 potholes, costing the city $147,084.

Due to high call volume and increasing pothole problems, Champaign has asked residents to report any potholes or any other minor road problems through a mobile app called SeeClickFix. The app will allow you to report the location of a problem with a picture and description. Once you have submitted your report, it goes to the city’s Public Works Department.

Traffic Congestion

Traffic data provider Inrix has created a traffic scorecard that measures key factors of US cities’ traffic congestion. Champaign commuters spend 13 extra hours each year delayed in traffic, costing drivers $291 each on average.

Moving Violations

Moving violations like speeding tickets, accidents, and drunk driving will add points to your driver's license and give you a bad driving record. If this happens, you'll need to purchase high-risk car insurance for bad drivers.

Traffic Tickets

The Champaign County Clerk of Courts website allows residents to pay traffic tickets.

Champaign Police issued 8,202 traffic tickets in 2014, a 4.4% decrease from the 8,583 tickets issued in 2013.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Champaign DUI insurance.

Fatal Car Accidents

Champaign County experienced 14 crashes in 2015, resulting in 15 fatalities.

Vehicle Theft Rates

Champaign Police reported 302 motor vehicle thefts in 2014, a 6% decrease from the 321 reported in 2013.

Save With Car Insurance Discounts

Discounts are one of the best ways to lower your insurance rates. These are only a few of the auto insurance discounts available to Champaign, IL drivers. Get a quote and find out whether you’re paying too much for your car insurance policy.

  1. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  2. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  3. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  4. Maintain at least a B grade point average in school to qualify for the good student discount
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  7. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  8. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  9. Take a defensive driving course from an accredited driving safety school
  10. Shop around and compare low-cost Champaign car insurance quotes

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