Best Cheap Auto Insurance in Springfield, Ohio (2024)
Mile Auto, State Farm, and Auto-Owners are the cheapest insurers in Springfield.
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Updated November 21, 2024
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Table of contents
Springfield residents pay less for car insurance than residents of many other Ohio cities. The average cost for a full-coverage policy in Springfield is $116 per month, compared to the state average $131. The city’s comparatively smaller size — it ranks 12th in population in the state — likely contributes to its lower car insurance costs.
Springfield was once known as the City at the End of the Road. Back in the 1800s, Congress authorized the construction of the National Road — the first U.S. highway built solely with federal dollars. The road eventually reached Springfield, but construction was halted there for 10 years due to a dispute over the route.
Yes, Springfield was literally the end of the road.
Today, a number of roads run through Springfield, including Interstate 70. And Springfield drivers who navigate these roads pay an overall average monthly cost of $90 for car insurance.
In this guide, you’ll see what goes into those rates and learn ways you can reduce your car insurance premiums as much as possible.
Quick Facts
Ohio requires motorists to carry liability insurance to drive legally in the state.
On average, Springfield motorists pay less for car insurance than other Ohioans do.
The Ohio Automobile Insurance Plan guarantees coverage for high-risk drivers.
Best car insurance companies in Springfield
State Farm, Mile Auto, and Erie Insurance are three of the best car insurance companies in Springfield, based on their attractive rates and overall value offerings. While you may ultimately choose to go with a different insurer, you can’t go wrong starting your search with any of these three.
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 ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $67 | $38 | Cheap rates |
| Mile Auto | 7.5 | $46 | $35 | Pay-per-mile |
| Erie Insurance | 9.0 | $78 | $45 | Customer satisfaction |
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.
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 cheap rates: 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. | $34/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. | $59/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
Founded in 1922, State Farm ranks as the country’s largest auto insurance company based on its market share. Car insurance represents about 60% of State Farm’s premiums. In 2022, the company posted revenue of $89.3 billion.
In Springfield, State Farm routinely offers some of the lowest rates for liability and full-coverage car insurance.
Pros
Well-known, well-established company
Top J.D. Power score among large insurers for satisfaction with car insurance shopping experience
Above-average J.D. Power score for satisfaction with auto insurance claims
Cons
Fewer discounts than some competitors
Higher-than-expected complaint index from the National Association of Insurance Commissioners (NAIC)
Rating of 1.8 out of 5 stars on Trustpilot review site
Best insurer for pay-per-mile coverage: Mile Auto
| 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. | 7.5 /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. | $31/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. | $41/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
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
Mile Auto, founded in 2017, sells coverage in Ohio and 10 other states. Policyholders pay based on how much they drive, making it an appealing car insurance company for people who drive infrequently. This allows for control over a customer’s insurance spending that isn’t available from other insurers.
Pros
Low rates for drivers who rack up low mileage
No tracking devices required
Strong AM Best financial strength rating for insurance underwriter
Cons
Lower Insurify Quality Score
No discounts
Some consumer complaints about filing claims
Best insurer for customer satisfaction: Erie Insurance
| 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. | 9.0 /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. | $40/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. | $69/mo |
4.1
Best choiceBased on 240 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (126)
Lana
November 10, 2024
Verified Review
Erie Insurance
The policy is difficult to understand. The rates are too high.
George
November 6, 2024
Verified Review
Good People
They handled my claim quickly.
Judie
November 4, 2024
Verified Review
Great Coverage
The coverage is excellent, but I am looking for a cheaper rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.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
Erie Insurance has more than 6 million auto, home, and business insurance policies in effect in Ohio, 11 other states, and the District of Columbia. It’s the 12th-largest auto insurer in the U.S. Erie’s growth is due in part to its customer satisfaction, and the insurer ranks high in the region in this category, according to J.D. Power.
Pros
Highest score among regional car insurers in J.D. Power study of customer satisfaction
Rate Lock feature helps avoid rate increases
YourTurn driver-tracking app may save you money
Cons
No ability to buy a policy or file a claim online
No usage-based coverage
2.4 out of 5 stars on Trustpilot review site
How to get the cheapest car insurance in Springfield
Some of the factors that go into calculating car insurance rates are out of your control, like your age or gender. But you can do certain things to lower your car insurance rates in Springfield, like:
Compare quotes from at least three insurers.
Ask for a higher deductible. Raising the deductible from, say, $200 to $500 should result in a lower auto insurance premium.
Bundle your coverage. Many insurers offer discounts if you buy two or more kinds of insurance from them, such as car insurance and homeowners insurance.
Ask about discounts. Insurers offer an array of discounts, including those for earning good grades and being a loyal customer.
Maintain a driving record free of accidents and traffic violations.
Look at buying a less expensive type of car that costs less to insure.
Cheapest liability-only car insurance in Springfield: Mile Auto
Liability coverage features bodily injury and property damage liability insurance, which is required in most states, including Ohio. Bodily injury liability pays the medical expenses for other people’s injuries in an accident you cause. Property damage liability pays to repair damage to other people’s property when an accident is your fault.
Ohio requires motorists to carry bodily injury coverage and property damage liability coverage or to provide proof of financial responsibility.
On average, Springfield drivers pay $63 per month for liability-only insurance. But, drivers can find the cheapest rates from Mile Auto for $31 per month.
Here, you can see a list of insurers offering the cheapest liability 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 ▲▼ |
|---|---|
| Mile Auto | $31 |
| State Farm | $34 |
| Auto-Owners | $40 |
| Erie | $40 |
| GEICO | $43 |
| USAA | $44 |
| American Family | $49 |
| Nationwide | $50 |
| Safeco | $52 |
| Progressive | $56 |
| Root | $56 |
| The General | $58 |
| Commonwealth Casualty | $68 |
| CSAA | $71 |
| Dairyland | $72 |
| Clearcover | $73 |
| Allstate | $74 |
| Direct Auto | $75 |
| National General | $80 |
| Travelers | $80 |
| Farmers | $83 |
| Bristol West | $84 |
| GAINSCO | $89 |
| Liberty Mutual | $92 |
| State Auto | $115 |
| Foremost | $126 |
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.
Find Cheap Liability Insurance in Springfield
Cheapest rates starting at $31/month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest full-coverage car insurance in Springfield: Mile Auto
Liability-only coverage comprises just bodily injury liability and property damage liability insurance. Full-coverage car insurance includes these along with comprehensive and collision coverages.
Comprehensive coverage pays for damage to your car in a non-collision incident, such as damage caused by hail or a fallen tree. Collision coverage pays to fix or replace your car when it’s damaged in a crash.
Mile Auto offers the cheapest full-coverage insurance in Springfield for $41 per month.
Here, you can see a list of quotes for full-coverage insurance offered by insurers in Springfield.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $41 |
| State Farm | $59 |
| Auto-Owners | $69 |
| Erie | $69 |
| GEICO | $75 |
| USAA | $76 |
| American Family | $85 |
| Safeco | $85 |
| Nationwide | $87 |
| Progressive | $97 |
| Root | $97 |
| Direct Auto | $116 |
| CSAA | $118 |
| The General | $121 |
| National General | $122 |
| Allstate | $130 |
| Clearcover | $139 |
| Travelers | $140 |
| Farmers | $144 |
| Liberty Mutual | $156 |
| Commonwealth Casualty | $174 |
| GAINSCO | $180 |
| Dairyland | $181 |
| Bristol West | $195 |
| State Auto | $199 |
| Foremost | $281 |
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, Ohio
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $32/mo for full coverage in Springfield and other Ohio cities.
*Quotes generated for Insurify users in and around Springfield, Ohio 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, Ohio 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 Ohio
In Ohio, it’s against the law to drive a vehicle without coverage that meets the state’s minimum requirements. The guidelines for required minimum coverage are outlined here.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $25,000 per accident |
However, your coverage can exceed the minimum state requirements if you so choose. Other types of insurance that you might consider include:
Collision and comprehensive
Collision coverage pays to fix damage to your car when you crash into a car or an object, like a utility pole or fence. Comprehensive coverage pays to fix non-collision damage to your car in an incident, such as a fire or flood. If you have a car loan or lease, you might be required to carry both kinds of coverage.
Uninsured/underinsured motorist
Uninsured/underinsured motorist coverage pays to repair damage to your car and treat your injuries if you’re in an accident with a motorist who has no insurance or lacks adequate insurance. UI/UIM insurance can also pay for damages from a hit-and-run accident.
)
Best Car Insurance Companies for High-Risk Drivers (2024)
Cheapest car insurance for drivers with an incident
Incidents like speeding tickets, at-fault accidents, DUIs, and other serious traffic violations can dramatically affect your car insurance rates. Insurers view these incidents as risky behavior and hedge their bets against your needing to file a claim in the future.
In the sections that follow, you’ll see how different incident types can affect your car insurance rates in Springfield.
Find Cheap Car Insurance in Springfield
Rates start as low as $39 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
A speeding ticket can put you in a higher cost category when it comes to your car insurance. Insurify data shows that someone in Ohio pays an average of $116 a month for full-coverage insurance if they have a clean driving record. But when a speeding ticket shows up on an Ohioan’s driving record, that figure rises to an average of $171 a month.
Here, you can see the average monthly quotes offered by several insurers for drivers with a speeding ticket on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $55 | $42 |
| State Farm | $78 | $45 |
| Auto-Owners | $93 | $54 |
| Erie | $94 | $55 |
| GEICO | $100 | $57 |
| USAA | $101 | $59 |
| American Family | $113 | $65 |
| Safeco | $115 | $70 |
| Nationwide | $117 | $67 |
| Progressive | $128 | $74 |
| Root | $139 | $80 |
| Direct Auto | $155 | $100 |
| CSAA | $160 | $97 |
| National General | $163 | $107 |
| The General | $164 | $79 |
| Allstate | $173 | $99 |
| Clearcover | $186 | $98 |
| Travelers | $188 | $108 |
| Farmers | $191 | $110 |
| Liberty Mutual | $223 | $132 |
| Dairyland | $241 | $96 |
| Commonwealth Casualty | $249 | $97 |
| GAINSCO | $258 | $127 |
| Bristol West | $262 | $113 |
| State Auto | $285 | $165 |
| Foremost | $402 | $180 |
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: Mile Auto
On average, the cost of car insurance rises 26% following an at-fault accident, Insurify data shows. And in Ohio, an accident stays on your driving record for three years, meaning you could be paying more for insurance for a long time with an accident on your record.
Drivers with an at-fault accident in Springfield pay, on average, $93 for liability-only coverage and $171 for full coverage. Here’s a collection of average monthly quotes you can expect to receive with an accident on your record in Springfield.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $80 | $46 |
| Auto-Owners | $95 | $55 |
| Erie | $97 | $56 |
| GEICO | $103 | $59 |
| USAA | $104 | $60 |
| Safeco | $116 | $71 |
| American Family | $117 | $67 |
| Nationwide | $120 | $69 |
| Progressive | $134 | $77 |
| Root | $142 | $82 |
| Direct Auto | $163 | $105 |
| National General | $167 | $110 |
| CSAA | $168 | $101 |
| The General | $169 | $81 |
| Allstate | $178 | $102 |
| Travelers | $193 | $111 |
| Farmers | $197 | $114 |
| Clearcover | $205 | $108 |
| Liberty Mutual | $228 | $134 |
| Commonwealth Casualty | $234 | $91 |
| GAINSCO | $237 | $117 |
| Dairyland | $246 | $98 |
| Bristol West | $267 | $115 |
| State Auto | $296 | $171 |
| Foremost | $410 | $184 |
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
A DUI on your driving record can cost a lot when it comes to car insurance. In fact, Insurify data shows a DUI can bump up the cost of car insurance by close to 100%.
In Ohio, the term “operating a vehicle under the influence,” or OVI, substitutes for the term DUI. A first-time OVI offense in Ohio can lead to as much as a six-month jail term, a $1,075 fine, and a one- to three-year license suspension.[1]
Springfield drivers with an OVI conviction face an overall average rate of $151 per month for car insurance, compared to the overall average for drivers with a clean record of $90. The following table illustrates the cost of liability-only insurance for drivers with an OVI in Springfield.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $68 | $51 |
| State Farm | $98 | $56 |
| Auto-Owners | $115 | $66 |
| Erie | $115 | $66 |
| GEICO | $125 | $71 |
| USAA | $126 | $73 |
| Safeco | $131 | $80 |
| American Family | $141 | $81 |
| Nationwide | $144 | $83 |
| Root | $144 | $83 |
| Progressive | $161 | $93 |
| CSAA | $176 | $106 |
| Direct Auto | $193 | $125 |
| The General | $201 | $96 |
| National General | $203 | $133 |
| Allstate | $216 | $123 |
| Clearcover | $231 | $121 |
| Travelers | $232 | $133 |
| Farmers | $239 | $138 |
| Liberty Mutual | $259 | $153 |
| Commonwealth Casualty | $289 | $113 |
| GAINSCO | $299 | $148 |
| Dairyland | $301 | $120 |
| Bristol West | $324 | $139 |
| State Auto | $330 | $191 |
| Foremost | $467 | $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 seniors: Mile Auto
Older drivers typically pay less for car insurance than young drivers. They normally get into fewer accidents than drivers younger than 25 do. Drivers in their 60s generally pay the lowest rates, but rates may go up when drivers reach their 70s.
If you’re a senior in Springfield, you can expect to pay an average rate of $83 for full coverage. Mile Auto offers the cheapest liability rates at $22 per month for coverage.
The table below shows the average quotes from area insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $29 | $22 |
| State Farm | $42 | $24 |
| Erie | $49 | $28 |
| Auto-Owners | $51 | $29 |
| GEICO | $56 | $32 |
| USAA | $56 | $33 |
| Nationwide | $60 | $35 |
| American Family | $62 | $36 |
| Progressive | $65 | $37 |
| Safeco | $68 | $41 |
| Root | $76 | $44 |
| CSAA | $84 | $50 |
| Direct Auto | $84 | $54 |
| National General | $86 | $57 |
| The General | $91 | $44 |
| Allstate | $97 | $55 |
| Travelers | $102 | $58 |
| Farmers | $104 | $60 |
| Clearcover | $112 | $59 |
| Liberty Mutual | $122 | $72 |
| Commonwealth Casualty | $129 | $50 |
| Dairyland | $134 | $53 |
| State Auto | $137 | $79 |
| GAINSCO | $141 | $70 |
| Bristol West | $145 | $63 |
| Foremost | $209 | $94 |
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: State Farm
Insurance companies typically charge higher rates to cover teen drivers because they lack on-the-road experience and run a greater risk of getting into a car accident. In Springfield, teens can expect to pay $222 per month for full coverage.
To reduce these rates and get the best deals on insuring a teen driver, you should:
Shop around for the most competitive rates and coverage.
Encourage your teen to maintain a clean driving record.
Look into discounts for good students.
Enroll your teen in a driver’s education course.
Let your teen drive a car with a good safety record.
Add your teen to your policy rather than putting them on a separate policy.
State Farm offers the cheapest liability rates in Springfield for teens at $62 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $108 | $62 |
| Auto-Owners | $123 | $71 |
| Erie | $123 | $71 |
| GEICO | $128 | $73 |
| USAA | $136 | $79 |
| Root | $155 | $89 |
| American Family | $156 | $90 |
| Nationwide | $161 | $93 |
| Safeco | $173 | $106 |
| Progressive | $181 | $104 |
| CSAA | $202 | $122 |
| The General | $205 | $98 |
| Direct Auto | $225 | $145 |
| Allstate | $246 | $140 |
| National General | $253 | $166 |
| Farmers | $267 | $154 |
| Travelers | $268 | $153 |
| Clearcover | $271 | $142 |
| Liberty Mutual | $285 | $168 |
| Dairyland | $311 | $124 |
| Commonwealth Casualty | $319 | $125 |
| GAINSCO | $330 | $163 |
| Bristol West | $349 | $151 |
| State Auto | $375 | $217 |
| Foremost | $529 | $237 |
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
Ohio allows car insurance companies to use a credit-based insurance score as one factor in setting rates. Insurers say this score, based on information from a driver’s credit history, can help predict the likelihood of a motorist filing an insurance claim.
A credit-based insurance score isn’t the same as a traditional credit score. A traditional credit score looks at a variety of factors to figure out how likely someone is to pay their debts. Nonetheless, drivers with excellent or good credit history tend to pay less for coverage than drivers with poor credit history. In the chart below, you can see the average quote you can expect to get in Ohio based on your credit score.
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?
Car insurance in Springfield costs less than the statewide and national averages, Insurify data shows. In Ohio, the average monthly quote is $102, compared with $90 in Springfield. Nationwide, the average is $154.
An array of factors make car insurance premiums vary from one location to another. For instance, a driver in an urban area with a high rate of car accidents or thefts might pay more for car insurance than someone in a suburban or rural area with lower rates for these incidents.
More cities in Ohio
The average monthly quote for full coverage in Springfield is considerably lower than in some other Ohio cities, like Hamilton and Toledo. As a result, it might be easier for you to find cheap car insurance in Springfield.
City ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Cincinnati | $152 | $84 |
| Cleveland | $153 | $84 |
| Columbus | $150 | $90 |
| Dayton | $137 | $76 |
| Hamilton | $132 | $78 |
| Toledo | $159 | $91 |
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
Looking for more information to help you find the most affordable car insurance in Springfield? The following answers can help.
How much is car insurance in Springfield, Ohio?
The average rates for car insurance in Springfield are $63 for liability coverage and $116 for full coverage. This makes Springfield one of the more affordable cities of its size in Ohio.
Which companies have the cheapest car insurance rates in Springfield?
Mile Auto has the lowest rates for liability-only car insurance at an average of $31 per month. Springfield drivers can also find affordable coverage with State Farm and Auto-Owners, which have average monthly rates of $34 and $40 for liability coverage, respectively.
What are the best car insurance companies in Springfield?
State Farm, Mile Auto, and Erie Insurance rank as three of the best insurers in Springfield. State Farm and Erie Insurance both have top Insurify Quality Scores of 4.4, and each is recognized for offering competitive rates and having outstanding customer satisfaction scores. Mile Auto’s unique business model invites you to pay for coverage only for the miles you drive. This can make coverage from Mile Auto incredibly affordable for drivers who drive fewer miles each year.
What factors affect the cost of car insurance in Springfield, OH?
Several factors can affect the rate you pay for car insurance in Springfield, including your age, gender, marital status, credit, driving history, and area of residence. If you live in an area where accidents and crime are common, you may end up paying more for car insurance than drivers in areas where these are rare.
How much car insurance do you need in Ohio?
To drive legally in the state of Ohio, you must carry insurance coverage that meets the state’s minimum requirements. This includes bodily injury liability coverage of $25,000 per person and $50,000 per accident. You must also carry property damage liability coverage of $25,000 per accident.
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.
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Sources
- NOLO. "Ohio Drunk Driving Laws and Penalties."
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John Egan
John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.
15+ years in content creation
7+ years in business and financial services content
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