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How much is car insurance in Champaign?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Champaign as it does in the rest of Illinois.
Similarly, when compared to the national average, the cost for auto insurance in Champaign is lower. Car insurance rates for the U.S. as a whole are, on average, $35 more expensive than the rates you'd pay in Champaign.
While these are the average monthly costs for auto insurance coverage in Champaign, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But don't worry, we've broken down the average rate for Champaign residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $35 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates start to rise again in Champaign.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Champaign, the difference comes out to about $4 a month. As illustrated in the table above, male drivers in the area pay about $48 on average, while female drivers pay around $44 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Champaign, a driving record with a single accident will usually get you a rate around $61 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $46 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$37|
|15 Years or Older||$49|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Champaign, with drivers paying around $37 per month for auto insurance coverage.
Car owners, on the other hand, by and large pay around $49 per month, while SUV drivers can expect to pay about $38 a month for insurance.
Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In Champaign, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Champaign, with married couples paying about $18 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Champaign. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
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 had been increasing from 2020-2021, before leveling out in 2022. Policy premiums finished down in 2022, at $33 per month
How does Champaign compare to neighboring areas?
Why are car insurance rates in Champaign different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Local laws
- Road Safety (frequency of car accidents)
- Number of drivers in the area
- Off-street parking availability
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Champaign?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans 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, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Champaign different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Champaign?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Champaign?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Champaign or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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