Champaign Car Insurance

Everything You Need to Know About Car Insurance in Champaign, IL

Located in eastern Illinois, just about 135 miles south of Chicago, this charming city has so much to offer residents. Champaign, IL carries the title as the 10th most populated city in the state. Considering the population, residents can expect heavy traffic and congested roads at times. Whether you are there to visit the University of Illinois campus or enjoy the city's beautiful scenery, make sure you are protected with reliable Champaign car insurance before you get behind the wheel. Our Independent Insurance Agents are always ready to help you through the process of finding affordable options for your car insurance needs.

  • National average cost per year: $1,311
  • Illinois average cost per year: $1,079
  • #39 most expensive auto premium in the U.S.

Drivers can get easily frustrated with this state’s high insurance premiums. But don’t give up hope yet, because our agents specialize in helping Illinois drivers find the most reliable insurance that also is budget-friendly. They will help you find a policy that protects you against all the common threats you may face as a Champaign driver.

Illinois Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist coverage: required
  • Minimum liability limits: 25/50/20

To drive in the state of Illinois, you must have car insurance. Minimum coverage limits are $25,000 for individual injuries, $50,000 for total injuries in an accident and $20,000 for any resulting property damage. Keep in mind that these minimums only cover the most basic accident. They are a great starting point, but you always have the option to buy extra insurance. This is normally a great idea so you aren’t in danger of paying anything out of your own pocket.

Number of Uninsured Motorists in Illinois

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Illinois drivers: 13.3%

Illinois drivers share the roads with a large number of uninsured drivers. When you are sharing the roads with one uninsured driver out of five drivers, you need to make sure you have the best protection ever. Our agents are experts and can show you how to add uninsured motorist coverage to your comprehensive Champaign auto insurance plan. That way, if you have an accident with an uninsured driver, you are covered even if the other driver isn’t.

Number of Auto Thefts in Illinois

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Illinois: 2.63

Theft is a growing problem in this state, and drivers definitely have a reason to be concerned. As in other states, Illinois drivers depend on their cars to get to work, take their kids to school and do many other important things. If your car is stolen, then life would get very challenging, very quickly. Avoid this unneeded problem by choosing a policy that covers auto theft. That way, if your car is ever stolen, you can simply file a claim and get compensation.

Find a Great Champaign Car Insurance Policy

Drivers in Champaign face many different threats, from car theft all the way to uninsured motorists. Cutting corners on your car insurance would be a bad decision. Don’t give up hope yet. Our Independent Insurance Agents can help you find an affordable policy that protects you against any roadway threat you may face. Our friendly agents will find multiple quotes on many different policies and present you with many different options. That way, you can compare the benefits and cost off all the policies. 

Contact an agent today to get a free customized quote on Champaign auto insurance.

Now, who's ready to get their insurance problems solved?