Compare Urbana, IL Car Insurance Rates (2021)

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

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Urbana is Liberty Mutual
  • Average car insurance rates in Urbana, IL after a DUI are $3,519/year
  • The cheapest ZIP code in Urbana is 61801

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

You’ll find Urbana car insurance rates, the cheapest Urbana, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Urbana, Illinois car insurance rates to Elgin car insurance rates, Joliet car insurance rates, and Champaign car insurance rates.

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

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

How do age, gender, and marital status affect Urbana, IL car insurance rates? Every Urbana, 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 Urbana, 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 $2,106 $2,106 $1,934 $1,934 $6,051 $8,339 $2,106 $2,722
Farmers $2,193 $2,191 $1,941 $2,058 $9,704 $10,121 $2,511 $2,621
GEICO $1,402 $1,430 $1,356 $1,635 $4,274 $4,450 $1,774 $1,688
Liberty Mutual $1,284 $1,382 $1,065 $1,188 $4,383 $4,870 $1,344 $1,414
Nationwide $1,798 $1,826 $1,602 $1,693 $4,999 $6,397 $2,100 $2,270
Progressive $1,856 $1,739 $1,533 $1,613 $6,914 $7,735 $2,203 $2,370
State Farm $1,377 $1,377 $1,242 $1,242 $4,121 $5,214 $1,561 $1,804
Travelers $1,440 $1,516 $1,328 $1,412 $4,274 $5,383 $1,521 $1,600
USAA $1,650 $1,675 $1,535 $1,508 $5,388 $5,935 $2,174 $2,383

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Minimum Car Insurance in Urbana, IL

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

Minimum Required Car Insurance Coverage in Urbana, 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 Urbana, IL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Urbana, Illinois

Insurance Company Poor Fair Good
Allstate $6,105 $4,423 $3,872
American Family $4,523 $3,093 $2,621
Farmers $4,726 $3,986 $3,791
GEICO $3,600 $1,770 $1,384
Liberty Mutual $2,981 $1,874 $1,494
Nationwide $3,378 $2,735 $2,393
Progressive $3,700 $3,136 $2,900
State Farm $3,261 $1,952 $1,514
Travelers $2,808 $2,276 $1,844
USAA $3,700 $2,545 $2,098

Cheapest Urbana, 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 Urbana, IL to rates for a clean record with top companies.

Annual Urbana, 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 $2,506 $3,574 $4,728 $2,841
Farmers $3,514 $4,543 $4,429 $4,185
GEICO $1,653 $2,186 $3,111 $2,055
Liberty Mutual $1,763 $2,504 $2,198 $2,000
Nationwide $2,290 $2,956 $3,471 $2,626
Progressive $2,671 $3,980 $2,961 $3,369
State Farm $2,038 $2,447 $2,242 $2,242
Travelers $1,838 $2,412 $2,684 $2,302
USAA $1,979 $2,852 $3,906 $2,388

Cheapest Urbana, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Urbana, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,991 $10,347
American Family $6,051 $8,339
Farmers $9,704 $10,121
GEICO $4,274 $4,450
Liberty Mutual $4,383 $4,870
Nationwide $4,999 $6,397
Progressive $6,914 $7,735
State Farm $4,121 $5,214
Travelers $4,274 $5,383
USAA $5,388 $5,935

Cheapest Urbana, IL Car Insurance for Seniors

Take a look at Urbana, 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 Urbana, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,185 $3,185
American Family $1,934 $1,934
Farmers $1,941 $2,058
GEICO $1,356 $1,635
Liberty Mutual $1,065 $1,188
Nationwide $1,602 $1,693
Progressive $1,533 $1,613
State Farm $1,242 $1,242
Travelers $1,328 $1,412
USAA $1,535 $1,508

Cheapest Urbana, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Urbana, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,458
American Family $4,728
Farmers $4,429
GEICO $3,111
Liberty Mutual $2,198
Nationwide $3,471
Progressive $2,961
State Farm $2,242
Travelers $2,684
USAA $3,906

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Cheapest Urbana, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Urbana, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,800 $4,800
American Family $3,369 $3,456
Farmers $4,168 $4,168
GEICO $2,214 $2,288
Liberty Mutual $2,116 $2,116
Nationwide $2,835 $2,835
Progressive $3,245 $3,245
State Farm $2,185 $2,300
Travelers $2,219 $2,399
USAA $2,703 $2,859

Cheapest Urbana, IL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Urbana, Illinois

ZIP Code Average Annual Rates
61801 $2,972
61802 $3,005

The Best Cheap Car Insurance Companies in Urbana, IL

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

Average Annual Car Insurance Rates by Company in Urbana, Illinois

Insurance Company Average Annual Rates
Allstate $4,800
American Family $3,412
Farmers $4,168
GEICO $2,251
Liberty Mutual $2,116
Nationwide $2,835
Progressive $3,245
State Farm $2,242
Travelers $2,309
USAA $2,781

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Category Winners: Cheapest Car Insurance in Urbana, Illinois

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

Best Annual Car Insurance Rates by Company in Urbana, Illinois

Category Insurance Company
Teenagers GEICO
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

Cheapest Urbana, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Urbana, Illinois

Insurance Company Low Medium High
Allstate $4,642 $4,795 $4,963
American Family $3,276 $3,537 $3,423
Farmers $3,956 $4,064 $4,483
GEICO $2,056 $2,249 $2,448
Liberty Mutual $2,006 $2,113 $2,230
Nationwide $2,816 $2,861 $2,830
Progressive $2,964 $3,224 $3,548
State Farm $2,113 $2,247 $2,368
Travelers $2,165 $2,306 $2,456
USAA $2,593 $2,779 $2,972

What affects car insurance rates in Urbana, Illinois?

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

Commute Time in Urbana

The more time you spend in your car the higher the risk of an accident. The average commute length in Urbana, IL is 15.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Urbana, IL

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

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Average Monthly Car Insurance Rates by State