car and auto insurance champaign

About Howe Insurance

Our family has a long heritage in the insurance business. Ross C. Swartz – Jimmy’s grandfather and Todd’s great-grandfather – started an insurance agency in Farmer City in 1930.

Since then, with the exception of a few years between when Grandpa Ross sold his agency to the time Jimmy entered the industry, our family has continuously provided insurance to families and businesses in East Central Illinois.

Eight decades later, we started the Howe Insurance Store, a one-stop shop for all your insurance needs. Think of us as discount store meets local merchant.

You get the lowest rates everyday on a wide assortment of insurance products, along with the kind of personal service you long for, but often don’t get anymore.


Todd Howe - Insurance Agent in Champaign, IL

As an independent insurance agent, we have the ability to shop your policy to dozens of carriers to find one that meets your needs at the lowest cost.   We can also generate substantial discounts by combining coverage such as home, auto and business insurance.  Our advantages include:

We are independent – we look out for you, not an insurance company.

We are a local insurance agency in the CU Area – when you need us, we’re not only available by phone or email, you can actually see us in person if you want!

You can count on us to use our experience and expertise to insure that you pay less and protect more.

Todd Howe

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