Champaign-Urbana Auto Insurance

Champaign-Urbana Affordable Rates on Auto Insurance

Whether you live in Champaign, Urbana, or anywhere in Champaign County, having a good auto insurance company is crucial. As a Chicago-based insurance company, we know the local driving challenges, from the weather to the road conditions. Our knowledge of the area allows us to offer affordable and reliable auto insurance that fits the needs of Champaign and Urbana residents.

Driving without auto insurance is stressful, but you can drive with peace of mind with Insurance Navy. Whether you are in Champaign, Urbana, Savoy, Bondville, Rising, Augerville, or even all the way to Peoria, we have affordable auto insurance packages for you. Our team is dedicated to great customer service, so you have the coverage you need for any unexpected situations.

Champaign-Urbana Auto Insurance

We serve Champaign, Urbana, Mahomet, and surrounding areas with complete auto insurance options. We aim to keep you and your loved ones safe with the right insurance coverage, including uninsured and underinsured motorist coverage and comprehensive, collision, and liability insurance. We also offer specialized policies for student drivers, rental, fleet, and antique cars.

By working closely with our clients to assess their risks, we ensure they get the Champaign car insurance they need.

The Auto Insurance Products we offer are listed below.

1. Liability Coverage—This provides bodily injury and property damage liability coverage to other drivers in an accident. It is required by law in most states, including Illinois.
2. Comprehensive Coverage—This policy pays for non-collision damage to your vehicle, such as theft, vandalism, fire, hail, or hitting an animal.
3. Collision Coverage – Covers repairs or replacement of your vehicle if you’re involved in a collision, regardless of fault.
4. SR-22 Insurance – A certificate proving you have the state-required minimum insurance, often required for high-risk drivers after DUI or other violations.
5. Non-owner Car Insurance – Provides liability insurance coverage for drivers who don’t own a car but occasionally drive rental or borrowed vehicles.
6. Uninsured & Underinsured Motorist Coverage – Protects you if you’re in an auto accident caused by a driver with no insurance or insufficient insurance.
7. Roadside Assistance and Towing Services – Covers towing, jump-starts, fuel delivery, tire changes, and lockout services if your vehicle breaks down.
8. Rental Reimbursement – Pays for a rental car while your vehicle is being repaired after a covered accident.
9. Personal Injury Protection (PIP) covers medical expenses, lost wages, and rehabilitation expenses for the driver and their passengers, regardless of who is at fault.
10. Medical Payments Coverage – Helps pay medical expenses for you and your passengers after an accident, irrespective of who’s at fault.

Auto Insurance: Liability vs. Comprehensive vs. Collision

1. Collision Insurance covers damages to your vehicle from an accident with another car or object. This includes repair costs or a full replacement of your covered vehicle.
2. Comprehensive Insurance covers damage from non-collision events such as theft, vandalism, or natural disasters like hail.
3. Liability Insurance covers expenses for damages and injuries to another driver and their property if you are found at fault in an accident. Your insurer will pay up to the policy’s coverage limits.

Each insurance coverage serves a purpose, and we can help you determine which one is right for you.

Cheap Car Insurance in Champaign

Car insurance should save you money, not cost you an arm and a leg. With rates starting at $15/month, you can get coverage without breaking the bank.

While our insurance rates are lower than those of many other Illinois insurance companies, we never sacrifice coverage. Every policy qualifies for 24/7 roadside assistance so you can have peace of mind.

Insurance Coverage for All Drivers in Champaign-Urbana

Insurance Navy can cover any driver regardless of their driving history or credit score. Whether you have a suspended license, an international license, a lapse in previous coverage, or a less-than-perfect driving record, we will find you an affordable auto insurance policy.

Since every driver’s situation is unique, we customize auto insurance quotes for each customer individually. If other vehicle insurance companies have turned you down, we encourage you to talk to one of our friendly insurance agents. We’ll find an affordable policy that works for you.

Cheap Car Insurance in Urbana

We make paying your car insurance easy. In addition to providing full coverage across Illinois, we have multiple storefronts throughout the state. You can set up automatic payments, pay online, or use any major credit card to stay on top of your policy.

With our already low rates, paying auto insurance premiums has never been easier. Get a Free Car insurance quote online today!

SR-22 Insurance in Champaign-Urbana

If you need an SR-22 form, we simplify the process so you can get back on the road fast. Illinois requires all drivers to have minimum insurance coverage; an SR-22 is proof of financial responsibility. Our insurance agents can immediately expedite your SR-22 filing and file your SR-22 form.

Insurance Navy also offers cheap SR-22 insurance with excellent customer service. We handle everything for you, including electronically filing your SR-22 with the State of Illinois, so the process is as painless as possible. Get a Quick SR-22 quote online today!

Why Choose Insurance Navy?

We know you have many car insurance options in the Champaign-Urbana area, so we will go the extra mile to earn your trust.

As an Independent insurance agency, we want to give you more than just an insurance policy. We offer excellent customer service, transparent rates, and extra benefits like 24/7 roadside assistance.

Plus, our auto insurance policies don’t affect your credit score. Insurance Navy is rated A+ by the Illinois Better Business Bureau.

Our insurance agents are here to help you with your questions and navigate Illinois insurance laws. As an SR-22 specialist, we know how important it is to keep you driving. Whether you’re going to work or dropping off the kids at school, we’ve got you covered.

Get a Free Auto Insurance Quote Online or Call us at 888-949-6289.

Frequently asked questions

1. What are the minimum car insurance requirements in Champaign, IL?

Illinois law requires liability coverage: $25,000 per person, $50,000 per accident for bodily injury, and $20,000 for property damage. Uninsured motorist coverage is also required, and the same bodily injury limits apply. Many people choose to have more or full coverage, including comprehensive and collision insurance.

2. How much does car insurance cost in Champaign, IL?

Costs vary based on driving record, age, vehicle type, credit score, and coverage level for Illinois Auto Insurance. Minimum liability is $40–$80 per month, and full coverage is $100–$200 monthly. Discounts for safe driving, bundling policies, and low mileage can help reduce rates.

3. What discounts are available for car insurance in Champaign, IL?

Insurance companies offer safe driving, good students, multi-policy, low mileage, and defensive driving course discounts. Additional savings may be available for military, retirees, and autopay.

4. How do I get SR-22 insurance in Champaign, IL?

An SR-22 is a certificate of financial responsibility required for high-risk drivers after violations like DUI, multiple traffic tickets, or driving without insurance. To get one, contact an insurer that files SR-22, purchase a policy, and have the insurer file the SR-22 with the Illinois Secretary of State. It’s more expensive than a regular policy, and you must keep the insurance for at least three years, or your license will be suspended.