Cheapest Car Insurance In Springfield, IL
At an average of $35 per month, Auto-Owners provides the cheapest minimum car insurance in Springfield.
We’ve saved shoppers an average of $600 per year on their car insurance.
Currently, the cheapest car insurance in Springfield, IL, starts around $35 per month for minimum coverage and $69 per month for full coverage. Providers like Auto-Owners and State Farm frequently offer the most competitive premiums for local drivers.
While Springfield motorists generally pay less than the overall state average, your exact premium depends heavily on your local ZIP code and personal driving record. Opting for the state-mandated 25/50/20 liability limits yields the lowest baseline prices, but upgrading to comprehensive coverage provides better financial protection against daily road hazards.
What’s Changed In 2026?
- The price gap between minimum and full coverage has widened locally due to rising repair costs.
- Insurers are increasingly utilizing telematics programs to help safe Springfield drivers offset broader rate hikes.
Cheapest And Best Car Insurance In Springfield, IL 2026
Cheapest Liability-only Car Insurance In Springfield: Auto-Owners
At just $35 a month on average, Auto-Owners has the lowest-cost minimum coverage car insurance in Springfield.
The table below provides a comparison of rates from multiple insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $35 | $420 |
| Progressive | $41 | $492 |
| County financial | $53 | $636 |
| American Family | $65 | $780 |
| State Farm | $37 | $444 |
Cheapest Full Coverage Insurance Rates In Springfield: State Farm
With an average monthly cost of $69, State Farm has the lowest rates for full coverage car insurance in Springfield.
The following table highlights average insurance quotes from low-cost providers in Springfield.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $69 | $828 |
| Mile Auto | $79 | $948 |
| Country Financial | $95 | $1,140 |
| Erie | $103 | $1,236 |
| Progressive | $129 | $1,548 |
Cheapest Car Insurance Rates For Seniors: State Farm
At $51 a month on average, State Farm has the cheapest car insurance rates for seniors in Springfield.
The following table highlights average rates from the most budget-friendly auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $51 | $612 |
| GEICO | $69 | $828 |
| Erie | $77 | $924 |
| American Family | $90 | $1,080 |
| Country Financial | $75 | $900 |
Cheapest Rates In Springfield For Teenagers: Progressive
With average monthly premiums of $144, Progressive provides the most affordable car insurance for teenagers in Springfield.
The following table displays the insurers with the most affordable rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $144 | $1,728 |
| GEICO | $157 | $1,884 |
| Erie | $187 | $2,244 |
| USAA | $198 | $2,376 |
| Mercury | $243 | $2,916 |
Cheapest Auto Insurance For Young Adults in Springfield: Direct Auto
With an average cost of $81 per month, Direct Auto has the best rates for young adults in Springfield.
The following table shows the cheapest auto insurance options for young adults in Springfield.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $81 | $972 |
| Ensurance | $98 | $1,176 |
| Clearcover | $92 | $1,104 |
| Pekin Insurance | $128 | $1,536 |
| Country Financial | $130 | $1,560 |
Cheapest Car Insurance In Springfield For Good Drivers: Auto-Owners
For good drivers in Springfield, Auto-Owners provides the cheapest car insurance, costing about $35 monthly.
The table below shows the average quotes from affordable insurance providers for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $35 | $420 |
| Progressive | $42 | $504 |
| County financial | $53 | $636 |
| American Family | $66 | $792 |
| State Farm | $37 | $444 |
Find affordable Springfield rates
Cheapest Car Insurance In Springfield After A Speeding Ticket: American Family
If you have a speeding ticket on your record, American Family is a great choice in Springfield, with rates averaging $75 a month.
The following table provides the average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $75 | $900 |
| Auto-Owners | $86 | $1,032 |
| Hanover | $77 | $924 |
| Westfield | $119 | $1,428 |
| Erie | $102 | $1,224 |
Free Policy Review: Spot Gaps. Cut Costs.
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
If you’ve had an at-fault accident, Auto-Owners offers the cheapest car insurance in Springfield, with rates averaging $99 per month.
Here are the insurers that offer the most affordable car insurance for drivers with an at-fault accident on their driving history.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,188 |
| Westfield | $141 | $1,692 |
| Country Financial | $145 | $1,740 |
| Erie | $130 | $1,560 |
| American Family | $100 | $1,200 |
Cheapest Rates In Springfield For Drivers After A DUI: American Family
Drivers in Springfield who have a DUI on their record can get the best rates from American Family, with an average monthly cost of $77.
The following table provides the most affordable car insurance options for Springfield drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $77 | $924 |
| State Farm | $115 | $1,380 |
| Hanover | $129 | $1,548 |
| Mercury | $139 | $1,668 |
| Progressive | $116 | $1,392 |
Best Car Insurance Companies In Springfield
For just $35 a month, Auto-Owners has the lowest car insurance rates in Springfield, while State Farm and Progressive charge $37 and $42 a month, respectively.
Check out the top 10 car insurance companies in Springfield, IL, sorted by the average monthly rate they charge.
| Company | Monthly Premium |
| Auto-Owners | $35 |
| Progressive | $42 |
| County financial | $53 |
| American Family | $66 |
| State Farm | $37 |
| GEICO | $51 |
| Mile Auto | $52 |
| Progressive | $44 |
| Direct Auto | $69 |
| USAA | $61 |
Average Auto Insurance Rates In Springfield – By Age
Age is a significant factor in setting car insurance rates. Younger drivers often pay higher premiums because they are statistically more likely to cause accidents or get traffic violations. Teenagers usually pay around $2,311 a year for insurance.
When drivers hit 25, their car insurance rates often begin to lower, assuming they keep a clean driving record.
The best insurance rates are often given to drivers in their 50s and early 60s, as insurance companies factor in age to assess experience and risk, which impacts premium prices.
| Age | Average Yearly Rate |
| Teenagers | $2,311 |
| 20s | $1,649 |
| 30s | $1,289 |
| 40s | $1,152 |
| 50s | $1,078 |
| 60s | $1,010 |
| 70s | $1,178 |
Average Cost Of Auto Insurance In Springfield – By Zip Code
Zip codes help insurance companies evaluate the crime risk in your area, leading to different car insurance rates for each zip code.
The following table provides average insurance premiums for different zip codes in Springfield.
| Zip Code | Average Monthly Rate |
| 62702 | $111 |
| 62703 | $109 |
| 62712 | $103 |
| 61107 | $255 |
| 62704 | $104 |
How Much Is Car Insurance In Other Cities in Illinois?
The city you live in has a significant effect on your car insurance rates. Insurers look at things like accident risks, vehicle theft, and vandalism, which are usually more common in cities, resulting in higher insurance premiums.
In Chicago, drivers can expect to pay roughly $149 a month for car insurance, while in Champaign, the average monthly rate is $98.
| City | Average Monthly Rate |
| Rockford | $112 |
| Chicago | $149 |
| Peoria | $108 |
| East Saint Louis | $120 |
| Bloomington | $110 |
| Schaumburg | $113 |
| Decatur | $109 |
| Naperville | $111 |
| Champaign | $98 |
| Joliet | $117 |
Average Rates In Springfield – By Vehicle
What kind of car you own can greatly impact your insurance rates. Insurance providers factor in the make, model, year, and body type of the vehicle. Newer cars, especially luxury models with pricey technology and replacement costs, tend to have higher insurance premiums.
The following table provides the average insurance rates for different vehicles in Springfield.
| Vehicle | Average Monthly Rate |
| Audi A8 | $274 |
| Chevrolet Cobalt LS | $162 |
| Dodge Dart | $75 |
| Chevrolet Cobalt | $147 |
Find affordable Springfield rates
Our methodology
By evaluating aspects such as pricing, product options, customer service ratings, and online reviews, I've put together an in-depth overview of car insurance providers in Springfield, IL.
Quotes Analyzed
Brands Reviewed
Years of Industry
Hours of Research
FAQs
Who has the lowest car insurance rates in Springfield?
Auto-Owners offers the most affordable minimum coverage rates in Springfield, while State Farm is the cheapest option for full coverage, including both comprehensive and collision.
What is the average cost of car insurance in Springfield?
In Springfield, the average car insurance premium is roughly $107 per month, with rates varying depending on things like your zip code, car year and model, and driving history.
About Doug Schaffer
Doug Schaffer is an experienced copywriter who has spent over a decade creating high-quality insurance insights for major insurance carriers, like Progressive. At Insuranceopedia, he specializes in simplifying complex insurance topics and producing thought leadership pieces.