Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • 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.

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

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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.

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

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.

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

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.

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

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.

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

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.

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

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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.

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

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.

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

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.

Annual Car Insurance Rates by ZIP Code in Champaign, Illinois

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.

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

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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.

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

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.

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

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.