Compare Champaign, IL Car Insurance Rates (2021)

Car insurance in Champaign, IL averages $251 a month. Champaign, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Champaign car insurance rates, compare quotes from the top car insurance companies in Champaign, IL.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

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 company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Champaign, IL after a DUI are $3,517/year
  • The cheapest ZIP code in Champaign is 61822
  • Average car insurance rates in Champaign, IL are $3,014/year

If you need to buy Champaign, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Champaign, IL is right here.

You’ll find Champaign car insurance rates, the cheapest Champaign, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Champaign, Illinois car insurance rates to Aurora car insurance rates, Springfield car insurance rates, and Cicero car insurance rates.

Ready to find affordable Champaign, IL car insurance today? Enter your ZIP code for fast, free Champaign car insurance quotes.

Cheapest Champaign, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Champaign, IL car insurance rates? Every Champaign, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Champaign, Illinois

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Champaign, IL

Every driver must carry the minimum car insurance in Champaign, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car Insurance Coverage in Champaign, Illinois

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

Cheapest Champaign, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Champaign, IL. Compare credit history car insurance rates in Champaign from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Champaign, Illinois

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

Cheapest Champaign, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Champaign, IL to rates for a clean record with top companies.

Annual Champaign, Illinois Car Insurance Rates by Driving Record

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

Cheapest Champaign, IL Car Insurance for Teen Drivers

Teen car insurance in Champaign, IL can be expensive. Take a look at rates from the top car insurance companies in Champaign for teenagers.

Annual Car Insurance Rates for Teen Drivers in Champaign, Illinois

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

Cheapest Champaign, IL Car Insurance for Seniors

Take a look at Champaign, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Champaign, Illinois

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

Cheapest Champaign, IL Car Insurance Rates After a DUI

A DUI in Champaign, IL increases car insurance rates. Compare Champaign, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Champaign, Illinois

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Champaign, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Champaign, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Champaign, Illinois

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

Cheapest Champaign, IL Car Insurance Rates by ZIP Code

Champaign car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Champaign, IL.

Annual Car Insurance Rates by ZIP Code in Champaign, Illinois

ZIP Code Average Annual Rates
61820 $3,013
61821 $2,985
61822 $2,968

The Best Cheap Car Insurance Companies in Champaign, IL

Take a look at a side-by-side comparison of the top car insurance companies in Champaign, IL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Champaign, Illinois

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Champaign, Illinois

Find the cheapest car insurance companies in Champaign, IL for each category right here.

Best Annual Car Insurance Rates by Company in Champaign, Illinois

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

Cheapest Champaign, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Champaign car insurance rates. Find the cheapest Champaign, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Champaign, Illinois

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

What affects car insurance rates in Champaign, Illinois?

What factors can have an impact on Champaign, IL car insurance? There are several reasons why Champaign car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Champaign, Illinois.

Commute Time in Champaign

The more time you spend in your car the higher the risk of an accident. The average commute length in Champaign, IL is 15.4 minutes according to City-Data.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Champaign, IL

Ready to find affordable Champaign, Illinois car insurance today? Enter your ZIP code for fast, free Champaign, IL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption