Cheapest Auto Insurance in Springfield, Illinois (2024)
Auto-Owners offers the lowest rates in Springfield, starting at $30 per month for liability-only insurance.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
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Edited byKatie Powers
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Updated November 21, 2024
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Table of contents
Springfield is the largest city in central Illinois and the sixth-largest city in the state. Residents live in a generally suburban environment, and the average commute to work is 17.5 minutes.[1] The average cost of car insurance in the city is $130 per month, which is in line with the Illinois state average of $128 and lower than the national average of $154 per month.
Your premium will depend on factors like your age and driving history, but Springfield drivers benefit from relatively low average rates. Here’s what you need to know about comparing rates and finding cheap coverage in Springfield.
Quick Facts
Springfield drivers pay $80 per month for liability coverage and $179 for full-coverage insurance, on average.
The Illinois Department of Insurance suggests that drivers consider buying more coverage than the minimum 25/50/20 policy required in the state.[2]
The cheapest car insurance companies in Springfield are Auto-Owners, State Farm, and GEICO.
3 of the cheapest car insurance companies in Springfield
When looking at top car insurance companies in Springfield, you should consider your coverage preferences, driving habits, and budget. The cheapest option you find may not work best for your insurance needs.
Here are three top insurers selling affordable coverage in Springfield. Start your search below.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $56 | $30 | Liability-only coverage |
| Hugo | 7.0 | N/A | $144 | College students |
| State Farm | 9.3 | $60 | $32 | Drivers with at-fault accidents |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $30/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $57/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners stands out as the top choice for liability-only car insurance in Springfield. The company has 10 local agents in the city. You can customize your coverage to buy only the protection you need and access several discounts to help keep your rates low. You also have the option of at-fault accident forgiveness coverage in case of a mishap on the road.
Pros
10 agents near the city center
Above-average J.D. Power customer satisfaction rating in the North Central region
Below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC) for a company of its size
Cons
Online quotes not available
Drivers with poor credit may pay higher rates
Accident forgiveness costs extra
Best insurer for college students: Hugo
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $144/mo |
4.1
Best choiceBased on 121 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (45)
Javier
November 12, 2024
Verified Purchase
Hugo Insurance is the Best
Hugo was wonderful. We paid for car insurance at a good, low price. It was exactly what we needed to look into. Due to our income, paying for two vehicles for less than $100 is an awesome price. Thank you, Hugo. I recommend others to try it out.
Gabrielle
November 2, 2024
Verified Review
Good
The price is amazing.
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Hugo is the best car insurance company for Springfield college students with different budgets and driving needs. It offers pay-as-you-go coverage for as little as three days at a time, but you can also get full coverage for more protection. Hugo will extend your coverage without charging extra fees or interest if you’re short on cash and can’t reload your account.
Pros
Trustpilot rating of 4.8 stars with nearly 12,000 reviews
Flexible for students who drive infrequently
Zero down payment makes policies accessible
Cons
No local agents available
High-mileage students may find cheaper car insurance elsewhere
Limited coverage options
Best insurer for drivers with at-fault accidents: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $33/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $62/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm considers your driving record as just one of several factors when determining quotes, making it an excellent option for Springfield drivers after an at-fault accident. You have various coverage options, including emergency road service and collision coverage. The company has 25 local agents to help you navigate coverage options, limits, and deductibles.
Pros
25 Springfield agents available
A++ (Superior) financial strength rating from AM Best
Above-average J.D. Power customer satisfaction rating in the North Central region
Cons
Gap insurance not available
Accident-free discount requires three years of continuous coverage
Illinois defensive driving course discount only available to drivers age 55 and older
How to get the cheapest car insurance in Springfield
You have some control over how much you pay for car insurance. Insurers consider age and gender, but your driving record, vehicle type, and ZIP code also play a role.
To help you get the best rates possible, consider the following tips:
Increase your deductible. A higher deductible can lead to lower premium payments.
Review coverage options. Consider your coverage needs. You may want to drop unnecessary coverage or adjust policy limits to cut costs.
Keep your credit score up. Springfield insurers consider credit scores when setting your car insurance rates. Better scores can lead to better premiums.
Ask about discounts. Get in touch with your insurance agent to find out if you qualify for any discounts.
Compare quotes. Request quotes from more than one insurance company to find the most affordable coverage for you.
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4.8/5
Cheapest liability-only car insurance in Springfield: Auto-Owners
Liability-only car insurance doesn’t cover your injuries or motor vehicle damage. Instead, it covers any damage or injury you cause to others while driving. It includes bodily injury liability and property damage liability. Bodily injury liability pays for medical expenses and rehabilitation costs, while property damage covers damage to another car or property.[3]
Liability-only policies in Springfield cost $80 per month, on average. Here’s where you can find the lowest rates for liability-only coverage in Springfield.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $30 |
| State Farm | $33 |
| GEICO | $44 |
| COUNTRY Financial | $46 |
| Progressive | $46 |
| Mile Auto | $47 |
| Erie | $50 |
| USAA | $54 |
| American Family | $58 |
| Mercury | $63 |
| Direct Auto | $67 |
| Nationwide | $68 |
| Clearcover | $72 |
| Travelers | $73 |
| Farmers | $78 |
| National General | $80 |
| Allstate | $82 |
| Safeco | $84 |
| GAINSCO | $95 |
| Elephant | $99 |
| Dairyland | $100 |
| The General | $100 |
| Bristol West | $102 |
| State Auto | $103 |
| Liberty Mutual | $141 |
| Foremost | $143 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Springfield: Auto-Owners
Full-coverage car insurance includes liability coverage and also protects your vehicle with collision and comprehensive coverage. You may want to opt for full coverage if you have a new or high-value car you want to protect against potential damages. If you lease or finance your car, your lender will typically require you to purchase this coverage.
Drivers in Springfield pay an average of $179 per month for full-coverage insurance. For cheap full-coverage insurance, consider these auto insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $57 |
| State Farm | $62 |
| Mile Auto | $73 |
| GEICO | $82 |
| COUNTRY Financial | $86 |
| Erie | $94 |
| USAA | $101 |
| American Family | $108 |
| Clearcover | $114 |
| Mercury | $119 |
| Progressive | $122 |
| Nationwide | $127 |
| Safeco | $135 |
| Travelers | $137 |
| Direct Auto | $146 |
| Farmers | $146 |
| Allstate | $153 |
| National General | $173 |
| Elephant | $176 |
| State Auto | $193 |
| GAINSCO | $242 |
| Dairyland | $248 |
| The General | $251 |
| Bristol West | $254 |
| Liberty Mutual | $263 |
| Foremost | $337 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Springfield, Illinois
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $45/mo for full coverage in Springfield and other Illinois cities.
*Quotes generated for Insurify users in and around Springfield, Illinois within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Springfield, Illinois within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Illinois
Per Illinois state law, drivers must carry a minimum amount of liability insurance. Illinois is an at-fault state, which means the driver who caused the accident is financially responsible for injuries, property damage, and other losses caused by the accident.[4]
The Illinois Department of Insurance suggests that the minimum limits may fall short of covering all expenses after an accident. You should consider increasing your coverage limits for better financial protection.
Here are the minimum requirements for car insurance in Illinois:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Uninsured/underinsured motorist bodily injury (UM/UIM) | $25,000 per person $50,000 per accident |
In addition to the required liability and UM/UIM insurance, several other coverage options are available for Springfield drivers. Common optional insurance add-ons include:
Collision coverage
Collision insurance covers your car repair or replacement costs after an auto accident or a collision with an object, like a fence or a pole.
Comprehensive coverage
Comprehensive coverage pays for damages to your car from non-collision incidents, like theft, vandalism, or severe weather.
Custom equipment
This pays to repair or replace upgrades you’ve made to your car, like custom rims or a fancy stereo.
Medical payments
Medical payments, also known as MedPay, helps cover medical expenses for you and your passengers after an accident, regardless of who causes the wreck.
Gap insurance
Gap insurance fills the gap between what you owe on your loan or lease and what your car is worth if you total your vehicle.
Rental reimbursement
Rental reimbursement helps with the cost of renting a car if yours is in the shop after an accident or covered loss.
Roadside assistance
Roadside assistance includes towing coverage, jump-starts, and flat-tire fixes if you’re stuck on the side of the road.
Cheapest car insurance for drivers with an incident
Driving incidents include at-fault accidents, speeding tickets, DUIs, and other traffic violations. These incidents show up on your driving record. Because insurance companies look at your driving history when setting your rates, incidents can increase how much they charge you for car insurance coverage.[5]
Springfield drivers with an incident on their record pay $174 per month for car insurance. How much your premium will increase after an incident depends on the severity of the offense and whether you have other violations on your record.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Speeding is a leading cause of car accidents in Illinois. The state had nearly 20% more speed-related crashes and 11% more speed-related fatal accidents in 2021 than in 2020.[6] If you have a speeding ticket on your record, insurers will likely consider you a higher-risk driver and increase your premiums. Some insurers offer discounts for completing defensive driving courses.
Here are some of the cheapest Springfield car insurance companies for drivers with a speeding ticket. On average, these drivers pay $112 per month for liability coverage and $250 per month for full coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $30 | $39 |
| State Farm | $33 | $42 |
| GEICO | $44 | $57 |
| COUNTRY Financial | $46 | $62 |
| Progressive | $46 | $59 |
| Mile Auto | $47 | $61 |
| Erie | $50 | $66 |
| USAA | $54 | $70 |
| American Family | $58 | $75 |
| Mercury | $63 | $87 |
| Direct Auto | $67 | $87 |
| Nationwide | $68 | $89 |
| Clearcover | $72 | $94 |
| Travelers | $73 | $95 |
| Farmers | $78 | $101 |
| National General | $80 | $104 |
| Allstate | $82 | $106 |
| Safeco | $84 | $110 |
| GAINSCO | $95 | $133 |
| Elephant | $99 | $138 |
| Dairyland | $100 | $130 |
| The General | $100 | $132 |
| Bristol West | $102 | $133 |
| State Auto | $103 | $144 |
| Liberty Mutual | $141 | $197 |
| Foremost | $143 | $200 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
In 2021, 9,996 people were in car accidents in Sangamon County. Because insurance companies consider your driving history and accident record when determining premiums, you’ll face increased rates after an accident. Looking at quotes from several auto insurance companies can help you find low rates if you have an at-fault accident on your record.
Springfield drivers pay an average of $123 per month for liability-only car insurance and $274 per month for full coverage if they have a past accident. Consider the following insurance companies for cheap rates.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $30 | $42 |
| State Farm | $33 | $46 |
| GEICO | $44 | $62 |
| COUNTRY Financial | $46 | $67 |
| Progressive | $46 | $65 |
| Mile Auto | $47 | $68 |
| Erie | $50 | $72 |
| USAA | $54 | $76 |
| American Family | $58 | $81 |
| Mercury | $63 | $94 |
| Direct Auto | $67 | $96 |
| Nationwide | $68 | $96 |
| Clearcover | $72 | $108 |
| Travelers | $73 | $103 |
| Farmers | $78 | $109 |
| National General | $80 | $112 |
| Allstate | $82 | $115 |
| Safeco | $84 | $117 |
| GAINSCO | $95 | $128 |
| Elephant | $99 | $136 |
| Dairyland | $100 | $139 |
| The General | $100 | $143 |
| Bristol West | $102 | $143 |
| State Auto | $103 | $157 |
| Liberty Mutual | $141 | $210 |
| Foremost | $143 | $213 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence (DUI) can have serious repercussions. In 2021, 91% of Illinois drivers arrested for a DUI charge lost their license.[7] Besides facing legal fees and other consequences, you may also struggle to find affordable auto coverage after a DUI.
Drivers in Springfield with a past DUI pay $139 per month for liability-only car insurance and $310 per month for full coverage. Here are the cheapest average monthly premiums for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $30 | $51 |
| State Farm | $33 | $56 |
| GEICO | $44 | $74 |
| COUNTRY Financial | $46 | $78 |
| Progressive | $46 | $78 |
| Mile Auto | $47 | $79 |
| Erie | $50 | $85 |
| USAA | $54 | $91 |
| American Family | $58 | $98 |
| Mercury | $63 | $99 |
| Direct Auto | $67 | $113 |
| Nationwide | $68 | $115 |
| Clearcover | $72 | $122 |
| Travelers | $73 | $123 |
| Farmers | $78 | $132 |
| National General | $80 | $135 |
| Allstate | $82 | $139 |
| Safeco | $84 | $132 |
| GAINSCO | $95 | $161 |
| Elephant | $99 | $167 |
| Dairyland | $100 | $169 |
| The General | $100 | $169 |
| Bristol West | $102 | $172 |
| State Auto | $103 | $174 |
| Liberty Mutual | $141 | $238 |
| Foremost | $143 | $242 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Your age has a significant effect on how much you pay for auto coverage. Car insurance expenses tend to decrease with age for drivers between the ages of 35 and 70. However, drivers older than 70 may start to face slightly increased rates as insurers account for aging-related risk factors and a higher fatal car accident rate.
Senior drivers in Springfield pay $133 per month for full coverage and $59 per month for liability only, on average. Take a look at the table below to find the best quotes for Springfield seniors.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $22 | $43 |
| State Farm | $24 | $46 |
| Progressive | $31 | $83 |
| GEICO | $33 | $62 |
| Mile Auto | $34 | $52 |
| COUNTRY Financial | $35 | $66 |
| Erie | $36 | $68 |
| USAA | $41 | $76 |
| American Family | $43 | $80 |
| Mercury | $47 | $89 |
| Nationwide | $48 | $90 |
| Direct Auto | $49 | $108 |
| Travelers | $54 | $101 |
| Farmers | $58 | $108 |
| National General | $58 | $125 |
| Clearcover | $59 | $93 |
| Allstate | $62 | $116 |
| Safeco | $68 | $109 |
| State Auto | $73 | $136 |
| Dairyland | $76 | $188 |
| GAINSCO | $76 | $193 |
| Bristol West | $77 | $193 |
| Elephant | $77 | $136 |
| The General | $77 | $193 |
| Foremost | $108 | $255 |
| Liberty Mutual | $112 | $209 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teens pay the most expensive car insurance rates because they have little driving experience and are prone to riskier behavior. Insurers classify teenagers as high-risk drivers, and high-risk drivers pay more for auto insurance coverage.
However, a few strategic choices can lower teen car insurance costs. To start, consider joining your parents’ insurance policy — it’s often cheaper than buying coverage separately. You may also pay less by choosing a car with good safety ratings and keeping your grades up to qualify for a good student discount.
In the table below, you’ll find the average car insurance costs for teens from different insurers in Springfield. On average, teens in the city pay $333 per month for full coverage and $149 per month for liability only.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $53 | $100 |
| State Farm | $59 | $112 |
| COUNTRY Financial | $70 | $131 |
| GEICO | $74 | $138 |
| Progressive | $84 | $224 |
| Erie | $88 | $165 |
| Mile Auto | $95 | $147 |
| USAA | $95 | $177 |
| American Family | $105 | $195 |
| Mercury | $117 | $220 |
| Nationwide | $124 | $232 |
| Direct Auto | $128 | $279 |
| Clearcover | $138 | $219 |
| Travelers | $138 | $259 |
| Farmers | $143 | $267 |
| Allstate | $153 | $285 |
| National General | $164 | $355 |
| The General | $167 | $418 |
| Elephant | $168 | $300 |
| Dairyland | $169 | $420 |
| Safeco | $169 | $271 |
| GAINSCO | $172 | $437 |
| Bristol West | $180 | $448 |
| State Auto | $191 | $358 |
| Liberty Mutual | $253 | $473 |
| Foremost | $266 | $626 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Springfield car insurance quotes by credit tier
Insurers will likely look at your credit-based insurance score when setting your rates. Credit-based insurance scores aren’t the same as traditional credit scores, but your payment history, outstanding debt, and credit are crucial factors.
Insurers consider your credit history a good indicator of the number of claims you may file in the future. Springfield drivers with excellent or good credit often pay significantly less than drivers with poor credit.
Here are the average rates for full-coverage insurance by credit tier in Springfield.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Springfield?
The overall average cost of auto insurance in Springfield is $130 per month, which is less than the national average of $154 per month. Rates can vary by city and ZIP code within Illinois, depending on population density, accident rates, and more.
Drivers in denser urban areas typically pay more for coverage than people in rural and suburban areas. For instance, Chicago drivers pay an average of $227 per month for full coverage, and Springfield residents pay $179.
More cities in Illinois
Average rates for coverage vary by city in Illinois. Peoria, about an hour north of Springfield, has similar car insurance rates to Springfield’s, while Naperville and Rockford drivers pay less on average. Below, you can see how much drivers in other Illinois cities pay for full coverage and liability-only insurance.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Aurora | $76 | $157 |
| Chicago | $96 | $227 |
| Decatur | $70 | $141 |
| Naperville | $76 | $153 |
| Peoria | $78 | $167 |
| Rockford | $72 | $158 |
| Waukegan | $78 | $152 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Springfield car insurance FAQs
You should decide how much car insurance you need before you start the process of shopping around for coverage. The information below should answer any remaining questions and help you navigate the process of buying coverage in Springfield.
How much is car insurance in Springfield?
The overall cost of car insurance in Springfield is $130 per month. Drivers pay $80 per month for liability coverage and $179 for full-coverage insurance. How much you end up paying for coverage depends on your driving record, credit history, age, and more.
Which companies have the cheapest car insurance in Springfield?
Auto-Owners has the cheapest car insurance in Springfield, with a monthly liability-only rate of $30. Other affordable insurers include State Farm and GEICO, with liability rates of $33 and $44 per month, respectively. The cheapest car insurance company for you will depend on many factors, including your age, ZIP code, gender, driving record, credit history, and vehicle.
What are the best car insurance companies in Springfield?
With an A++ (Superior) financial strength rating from AM Best and an Insurify Quality (IQ) Score of 9.3 out of 5, State Farm is the best car insurance company in Springfield. Other top insurers include Auto-Owners and Hugo.
What is the minimum car insurance in Illinois?
Illinois drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $20,000 per accident in property damage liability, and $25,000 per person and $50,000 per accident in UM/UIM coverage.
Is it illegal to drive without insurance in Illinois?
Yes. If you don’t have insurance in Illinois, a law enforcement officer may give you a traffic citation. You also face license plate suspension and a minimum fine of $500.[8]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Illinois
Sources
- United States Census Bureau. "QuickFacts: Springfield city, Illinois."
- Illinois Department of Insurance. "Auto Insurance Shopping Guide."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- NOLO. "Illinois Car Accident Laws."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Illinois Department of Transportation. "2017-2021 Crash Data Trends."
- The Office of the Illinois Secretary of State. "Illinois 2023 DUI Fact Book."
- The Office of the Illinois Secretary of State. "Mandatory Insurance."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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