Best Cheap Auto Insurance in Springfield, Ohio (2024)

Mile Auto, Hugo, and State Farm are the cheapest insurers in Springfield.

John Egan
Written byJohn Egan
John Egan
John Egan
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John specializes in insurance, personal finance, real estate, and health and wellness. In 2022, he authored a guide on content marketing for beginners.

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Chris Schafer
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Chris Schafer
Chris SchaferSenior Editor
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Updated October 30, 2024

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Cheapest recent rates near Springfield, Ohio

Recent Springfield, Ohio car insurance prices for Jeep, Toyota, Nissan , and more.

*Quotes generated for Insurify users in and around Springfield, Ohio within the last 10 days. Last updated on October 30, 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 October 30, 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 October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $132 per month, compared to the state average $145. 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 $98 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 Farm9.3$69$38Cheap rates
Mile Auto7.5$53$36Pay-per-mile
Erie Insurance9.0$80$44Customer 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

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User Reviews
3.2
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.
$60/mo

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

Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified

Good

The insurance is higher than other companies' policies.

Marsha - October 29, 2024
Verified

Friendly agents!

Check out their prices!

Linda - October 29, 2024
Verified

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

Best insurer for pay-per-mile coverage: Mile Auto

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User Reviews
3.8
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.
$46/mo

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

Read more driver reviews of Mile Auto
Cookie - October 15, 2024
Verified

Excellent

Low mileage rate.

Tasha - October 10, 2024
Verified

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

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.

Best insurer for customer satisfaction: Erie Insurance

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User Reviews
3.9
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.
$39/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.
$70/mo

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

Read more driver reviews of Erie Insurance
Satina - October 28, 2024
Verified

Erie Insurance Unreliable

The service is not good, and they are unclear about some policy benefits like 24-hour towing, which is non-existent but included in the policy.

Lana - October 25, 2024
Verified

Expensive but Efficient Company

Erie provides excellent claims service if you ever need it, but their rates are fairly expensive. I've been with them for 55 years.

Shannon - October 19, 2024
Verified

Could be Better

I had an unfortunate accident and they were very helpful at the time managing the claim, so the company was great. My rate did go up which I expected and it was reasonable at the time. When my policy was supposed to renew the following year, they wanted to again increase my rate by almost $100 per month. The insurance broker I dealt with was very rude when I called about canceling my policy because unfortunately, I can't afford that kind of increase as a single parent with one income.

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 $65 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Mile Auto$31
Hugo$34
State Farm$34
Auto-Owners$39
Erie$39
GEICO$42
USAA$43
Safeco$45
American Family$48
Midvale Home & Auto$49
Clearcover$50
Nationwide$50
Elephant$51
Progressive$55
The General$62
Commonwealth Casualty$64
Liberty Mutual$65
Dairyland$67
Direct Auto$70
National General$73
Allstate$74
CSAA$77
GAINSCO$78
Travelers$79
Farmers$82
Root$95
Bristol West$98
State Auto$113
Foremost$120
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

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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 $46 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Mile Auto$46
State Farm$60
Auto-Owners$70
Erie$70
Elephant$71
Safeco$73
GEICO$77
USAA$78
Midvale Home & Auto$83
Clearcover$85
American Family$87
Nationwide$90
Progressive$100
Liberty Mutual$120
Hugo$122
National General$124
Direct Auto$125
The General$130
Allstate$133
CSAA$136
Travelers$144
Root$146
Farmers$149
GAINSCO$150
Commonwealth Casualty$158
State Auto$161
Dairyland$181
Bristol West$216
Foremost$269
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

Recent Springfield, Ohio car insurance prices for Ford, Chrysler, Cadillac , and more.

*Quotes generated for Insurify users in and around Springfield, Ohio within the last 10 days. Last updated on October 30, 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 October 30, 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 October 30, 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 October 30, 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:

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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)

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 $41 for drivers with an incident

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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 $132 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 $196 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto$63$43
State Farm$79$45
Auto-Owners$94$52
Erie$95$53
Safeco$99$61
Elephant$102$73
GEICO$103$56
USAA$104$57
Clearcover$115$68
American Family$116$64
Nationwide$121$67
Progressive$133$73
Hugo$161$45
Direct Auto$166$93
National General$166$98
Liberty Mutual$173$94
The General$175$84
Allstate$177$99
CSAA$185$105
Travelers$193$106
Farmers$197$109
Root$208$135
GAINSCO$216$112
Commonwealth Casualty$227$92
State Auto$233$163
Dairyland$242$90
Bristol West$288$131
Foremost$387$173
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, $97 for liability-only coverage and $198 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm$82$47
Elephant$96$69
Auto-Owners$97$54
Erie$98$55
Safeco$98$61
GEICO$106$58
USAA$107$59
American Family$120$66
Nationwide$125$70
Clearcover$126$74
Progressive$139$77
National General$172$101
Direct Auto$176$98
Liberty Mutual$177$96
Hugo$180$50
The General$182$87
Allstate$183$102
CSAA$195$110
GAINSCO$198$103
Travelers$200$110
Farmers$204$113
Commonwealth Casualty$213$86
Root$214$139
State Auto$242$170
Dairyland$248$92
Bristol West$296$134
Foremost$396$177
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: Hugo

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 $166 per month for car insurance, compared to the overall average for drivers with a clean record of $98. 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto$77$52
State Farm$100$57
Auto-Owners$117$65
Erie$117$65
Elephant$119$85
Safeco$122$75
GEICO$129$70
USAA$131$72
Clearcover$142$84
American Family$146$80
Nationwide$151$84
Progressive$167$92
Liberty Mutual$201$109
Hugo$204$57
National General$208$122
Direct Auto$209$117
The General$218$104
Allstate$223$124
CSAA$228$129
Travelers$241$132
Root$244$159
Farmers$249$137
GAINSCO$251$131
Commonwealth Casualty$264$107
State Auto$269$189
Dairyland$303$112
Bristol West$361$164
Foremost$450$201
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 $90 for full coverage. Mile Auto offers the cheapest liability rates at $21 per month for coverage.

The table below shows the average quotes from area insurers.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto$32$21
State Farm$42$24
Erie$48$27
Auto-Owners$50$28
Elephant$53$38
GEICO$56$31
Safeco$56$35
USAA$57$31
Nationwide$61$34
American Family$62$34
Clearcover$65$38
Progressive$65$36
National General$86$51
Hugo$88$25
Direct Auto$89$50
Liberty Mutual$92$50
CSAA$95$54
Allstate$97$54
The General$97$46
Travelers$103$56
Farmers$106$58
Root$111$72
State Auto$111$78
Commonwealth Casualty$115$47
GAINSCO$115$60
Dairyland$132$49
Bristol West$158$71
Foremost$194$87
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: Hugo

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 $245 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.

Hugo offers the cheapest liability rates in Springfield for teens at $57 per month.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm$106$60
Elephant$120$86
Erie$122$68
Auto-Owners$123$68
GEICO$126$69
USAA$134$74
Safeco$150$92
American Family$156$86
Nationwide$160$89
Clearcover$168$99
Progressive$184$101
Hugo$206$57
The General$214$102
Liberty Mutual$219$119
CSAA$228$129
Root$228$149
Direct Auto$234$131
Allstate$242$135
National General$251$148
Travelers$268$147
Farmers$269$148
GAINSCO$270$140
Commonwealth Casualty$285$116
State Auto$295$207
Dairyland$307$114
Bristol West$377$171
Foremost$493$220
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.
What Are the Best Cars for Teens to Drive?

What Are the Best Cars for Teens to Drive?

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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 $109, compared with $98 in Springfield. Nationwide, the average is $158.

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$180$85
Cleveland$184$90
Columbus$184$92
Dayton$167$78
Hamilton$165$82
Toledo$192$94
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 $65 for liability coverage and $132 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 Hugo and State Farm, which have average monthly rates of $34 and $34 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. NOLO. "Ohio Drunk Driving Laws and Penalties."
John Egan
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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