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Champaign is one of the largest cities outside of the Chicago metro area and is notable for sharing the campus of the University of Illinois at Urbana–Champaign with its sister city of Urbana. Residents of Champaign enjoy one of the best work/life balances in the nation according to Nerdwallet.com. The cost of living in Champaign is 5% lower than the Illinois average, and the cost of housing in Champaign is 14% lower than the national average. The city is also home to a number of well known technology startup companies, Abbott, Archer Daniels Midland (ADM), Caterpillar, Deere & Company, Dow Chemical Company, IBM, State Farm, and Intel all of which are Fortune 500 companies. Because of this there are a high number of people who commuteto Champaign every day for their jobs, adding to the traffic particularly in the downtown area. Taking some time to compare all the options for cheap car insurance Champaign has available can help save a lot of money in the long run.

Champaign Insurance Requirements

Illinois rates as a much safer state than many as far as traffic goes. DUI rates are lower (10% of the Florida rate, for instance). Insurance costs are still higher than average, due in part to the state’s uninsured motorist rates, which are considered one of the biggest factors in insurance costs.

  • Illinois’ mandatory minimum coverage for bodily injury or death of one person in an accident is $20,000.
  • Illinois’ mandatory minimum coverage for bodily injury or death of more than one person in an accident is $40,000.
  • Illinois’ mandatory minimum coverage for damage to property of another person is $15,000.

The minimum coverage may be all the law requires, but Champaign has a large population, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for
the best cheap car insurance Champaign can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Public Transportation In Champaign

Champaign is served by I-57, I-72, I-74, two railroad lines, and the University of Illinois operated Willard Airport. The local bus system, the Champaign-Urbana Mass Transit District (MTD) serves Champaign, Urbana, Savoy, and surrounding areas. The C-U MTD has twice been named as the best local transit system in the United States. This is probably why the number of people who take public transportation in Champaign is 36% higher than the national average. Leaving your car at home every day can save you a lot on your auto insurance because your accident risk decreases exponentially, and your yearly mileage stays low.