Car Insurance in Champaign, IL
How much does car insurance
cost in Champaign, Illinois?
The average estimated cost of Lemonade car insurance in Champaign ranges from roughly $854 to $894 per year*, depending on factors like your age, driving history,
car type, and location.
Here is a look at rates in other cities in Illinois:
| City | Average monthly base premium* |
|---|---|
| Bloomington | $90 to $99 |
| Schaumburg | $70 to $79 |
| Arlington Heights | $70 to $79 |
| Chicago | $80 to $89 |
How can I get cheaper car insurance
in Champaign, Illinois?
Lemonade offers Illinois drivers loads of opportunities
to help lower your car insurance rates.
Hybrid/EV discount
Lower rates for driving eco-friendly cars—like hybrids or electric vehicles.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance
in Champaign, Illinois?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Champaign, Illinois?
To meet Illinois car insurance coverage requirements, Champaign drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Champaign drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $20,000 |
| Uninsured motorist coverage/underinsured motorist bodily injury coverage | $25,000 (per person)/ $50,000 (per accident) |
What additional car insurance coverages
are available in Champaign, Illinois?
Consider adding collision, comprehensive, and uninsured motorist coverage
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read MoreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read MoreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash—like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read MoreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read MoreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read MoreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read MoreChampaign Illinois car insurance FAQs
What car insurance coverage is recommended in Champaign due to its weather conditions?
Champaign faces snow and icy roads during winter, making comprehensive coverage essential to protect against weather-related damage. Adding roadside assistance can also help manage emergencies during severe conditions.
How does Champaign’s blend of urban and campus traffic impact car insurance rates?
With heavy campus traffic near the University of Illinois, accidents may be more likely, leading to slightly higher premiums for nearby drivers. Policies with collision coverage are beneficial in these busier areas.
What happens if I don’t have the minimum car insurance coverage required in Champaign?
Driving in Champaign without the required car insurance can lead to fines of $500 to $2,500, license suspension, and possibly your vehicle being impounded. You might also need to file an SR-22, raising your insurance costs. With Champaign’s busy mix of students, residents, and visitors, staying insured is essential to avoid these penalties.
Is Illinois an at-fault state?
Illinois operates under an at-fault system, so in Champaign, the driver deemed at fault for a crash is financially responsible. This typically happens through their auto insurance or personal payments.
How can I lower my car insurance premium in Champaign?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, paying your premium in full for a discount, and bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Champaign that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
By the way, did you know that Lemonade drivers in Champaign get free roadside assistance? All you need to do is make sure that you’ve enabled location services in the Lemonade app.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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