Champaign, IL Car Insurance

Drivers in Champaign pay, on average, $46 a month for their car insurance. To learn more about car insurance rates in the Champaign area, read our guide below.
How does Champaign compare to the surrounding area and the rest of Illinois? What rates can residents of Champaign expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Champaign?

Area Average Monthly Car Insurance Premium
Champaign$46
IL$50
United States$80

Compared to the rest of the Illinois, coverage in Champaign is about $4 a month cheaper.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Champaign is rather affordable. It's around $34 less to insure your vehicle compared to the average rate for the U.S. as a whole.

Although these are the average rates for auto insurance in Champaign, it's important to remember that you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've analyzed the average rate for Champaign and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$149
18-24$67
25-34$37
35-44$34
45-54$30
55-64$31
65+$31

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $36 more than someone who is retirement aged.

As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates rise again once you hit retirement in Champaign.

Average Car Insurance Rates by Gender

Gender Average
Male$48
Female$44

Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Champaign is around $4 a month. As you can see in the table above, male drivers in the area typically pay $48 on average, while female drivers typically pay $44 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$65
Multiple Accidents$89
1 Ticket$35
Multiple Tickets$111

Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Champaign, a driving record with one accident will usually get you a rate around $65 a month. Likewise, drivers with one ticket will be looking at a rate of around $35 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$37
2-3 Years$36
4-5 Years$51
6-7 Years$46
8-10 Years$49
11-14 Years$43
15 Years or Older$50

In Champaign, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $35 per month for insurance coverage.

Car owners will see a monthly premium of about $49, while SUV owners usually pay around $38 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Champaign, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$50
Married$33
Divorced$31
Widowed$32

More often than not, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Champaign follows that pattern, with the difference totaling to around $17 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$36
Rent$47
Live with parents$89

Your living situation is another factor that affects your monthly rate. In Champaign, homeowners can expect to pay around $11 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in Champaign, IL

Recent trends in car insurance for Champaign drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Champaign, car insurance rates rose from 2016-2017, before leveling out in 2018. Policy premiums finished down in 2021, at $42 a month

How does Champaign compare to neighboring areas?

Why are car insurance rates in Champaign different from other areas?

Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

  • Regional regulations
  • Road safety
  • Off-street parking availability
  • Total number of drivers in the community
  • Crime rates

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Champaign?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer coverage in Champaign.

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Champaign Insurance FAQs

What factors affect car insurance quotes in Champaign?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Champaign different from other neighboring cities?

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Champaign?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Champaign?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Champaign or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes