Best Auto Insurance Rates in Urbana, Illinois

On average your neighbors pay $67 a month.

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Urbana, Illinois, is a small town focused on preserving its greatness. For instance, Urbana has received the Tree City USA award every year since 1976. Not only that, but Urbana has been recognized for its sustainable water management plan, and Mayor Laurel Prussing was awarded the 2015 Public Official Award for making significant strides to improve the environment. These are just a few of the awards and accolades Urbana has earned.

The city of Urbana is all about saving the Earth, and QuoteWizard is all about finding you cheap car insurance.

Average Urbana Car Insurance Rates

How much is car insurance in Urbana, IL? Premiums here can be expensive. Many drivers pay more 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 your driving record, the car you drive, coverages, limits, 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 national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Urbana, Illinois and save up to 40% on your premium.

Last year, many people used QuoteWizard to compare auto insurance quotes in Urbana, IL from multiple companies.

Best Car Insurance Companies in Urbana, IL

This is our list of the most common car insurance companies reported by QuoteWizard users in Urbana, Illinois, last year.

Other popular Urbana, Illinois car insurance companies: USAA, AIG, Amica, MetLife, Nationwide, Mercury, Farm Bureau, American Family, and Travelers.

Top 10 Vehicles in Urbana

These are the most common car makes and models owned by Urbana, IL drivers who requested quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet Impala LS/LT
  3. Toyota Camry LE/XLE/CE/SE
  4. GMC Envoy
  5. Buick Century Custom
  6. Chevrolet Blazer
  7. Ford Explorer
  8. Ford Fusion SE
  9. Buick Lesabre Limited
  10. Buick Lucerne CXL
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Urbana, IL

Urbana, 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 an insurance company 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 Urbana insurance rates.

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

Like most other Illinois cities, Urbana has a humid climate. That means long, hot summers and no real dry season. On average, it sees 193 days of full or partial sunshine. The average summer temperature is 73 degrees. On the other hand, 113 days in a typical year see measureable precipitation. Much of that is rain, as Urbana receives about 40 inches of it each year. In addition, nearly of 28 inches of snow falls each year.

Road Conditions

According to Tripnet.org, 67 percent of the major roads in Illinois are in poor or mediocre condition. These poorly maintained roads costs drivers $4.4 billion or $540 per motorist in extra vehicle operating costs per year. These costs are a direct result of driving on rough roads that damage cars and contribute to car accidents.

Due to the freezing winters and hot summers, potholes are a serious problem in the Urbana area. If you want to report a pothole here, call the public works department at 217-384-2342 or fill out a form online.

Moving Violations

Moving violations like drunk driving, running a red light, at-fault accidents, and speeding tickets will give you a bad driving record and higher insurance rates.

Traffic Tickets

The Champaign County Clerk of the Circuit Courts website allows residents to pay traffic tickets and provides other important court information.

Drunk Driving Arrests

According to AAIM, Champaign County police officers arrested 204 drivers for driving under the influence (DUI) in 2015.

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 Urbana DUI insurance.

Vehicle Theft Rates

Urbana reported 28 motor vehicle thefts in 2014. That calculates to a low theft rate of .67 per 1,000 residents. The national average is 2.16 per 1,000 people.

Car Insurance Discounts in Urbana

Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to Urbana drivers. Get a quote and find out which discounts you qualify for.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  2. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  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. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  6. 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
  7. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  8. 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
  9. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  10. Shop around and compare low-cost Urbana car insurance quotes

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