Cheapest Car Insurance In Springfield, IL

State Farm takes the crown as the top auto insurance company for Springfield, IL. 

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Updated: 07 February 2024
Written by
Doug Schaffer
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Across a span of 30 hours, our team delved into 58 car insurance quotes from 19 different providers in Springfield. After scrutinizing the results, we pinpointed State Farm and Auto-Owners as the area’s best cheap insurance options.

State Farm stood out as the best cheap car insurance company overall, while Auto-Owners emerged as the wallet-friendly choice for those with driving offenses and those after minimal or comprehensive coverage.

Despite Illinois’ typical coverage cost hovering around $1,235 annually, Springfield’s average annual rates were a tad higher, averaging about $1,346.

In the upcoming sections of this guide, we’ll delve into how age, gender, location, and driving history influence the monthly premium for Springfield drivers.

Cheapest And Best Car Insurance In Springfield, IL 2024

Cheapest Car Insurance, Springfield 2024

Comparison Of The Cheapest Car Insurance Companies In Springfield, IL

Average Annual Cost Overall Rating JD Power Rating Best For AM Best Rating Get A Quote
Auto-Owners

$867

4.6

837

Minimum Coverage

A++

Instant Quote
USAA

$1,549

4.8

881

Young Drivers

A++

Instant Quote
State Farm

$894

4.9

842

Best Affordable Coverage

A++

Instant Quote
Auto-Owners

$1,040

4.6

837

Full Coverage

A++

Instant Quote
Mercury

$1,045

4.1

829

Senior Drivers

A

Instant Quote
Auto-Owners

$1,510

4.6

837

Driving Violations

A++

Instant Quote
Scroll to see comparisons

Our methodology

To uncover the cheapest car insurance rates in Springfield, we conducted a thorough analysis of data from various car insurance review platforms. We also looked into rates obtained from publicly available filings, sourced through Quadrant Information Services. Our evaluation was enriched by insights from our experienced team of insurance professionals, who together have twenty-five years of industry experience. It's important to note that while the rates we present in this guide are accurate, insurance premiums can vary daily and may be influenced by individual driver circumstances. Here's a quick overview of our method:

58

Quotes Analyzed

19

Brands Reviewed

25

Years of Industry

30+

Hours of Research

Reviews Of The Cheapest Car Insurance Companies In Springfield, IL


Best Overall Rate

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

At times, selecting the most economical option may not assure top-notch quality and service. However, State Farm has excelled in maintaining its customer-focused approach while managing costs effectively. On average, State Farm policyholders can anticipate paying around $900 for their car insurance.

Renowned for being one of the cheapest car insurance options in Springfield, State Farm also boasts impressive ratings for overall customer satisfaction. Many individuals have shared positive experiences while engaging with their local agents.

For those currently considering auto insurance alternatives, it’s strongly advisable to include State Farm.

Benefits & Drawbacks

Benefits
  • Notable customer service ratings
  • Cost-effective coverage options spanning diverse driving needs
  • Strong financial ratings on both J.D. Power and AM Best scales
  • Availability of local agents for in-person discussions
Drawbacks
  • Limited selection of customizable choices
  • Lack of gap insurance provision for policyholders

Cheapest Overall Rates in Springfield

Company Average Rate Per Year
State Farm $894
Auto-Owners $914
GEICO $1,240
National General $1,374
Travelers $1,658

Cheapest Coverage for Motorists with Driving Violations

Overall Rating
4.6

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

Certain insurers give significant weight to driving violations, often making it difficult to find an affordable car insurance policy. However, Auto-Owners remains dedicated to offering cheap car insurance choices to a broad spectrum of drivers, even those with prior at-fault accidents or DUIs on their record.

While the precise impact of each violation on your coverage cost may differ, numerous drivers can still access car insurance plans through Auto-Owners at an average yearly rate of about $1,500.

While Auto-Owners might not hold the top position in user experience among major insurance providers, their personalized consultations have proven beneficial to many policyholders.

Considering all factors, Auto-Owners emerges as an appealing option for individuals with a few incidents in their driving history.

Benefits & Drawbacks

Benefits
  • Face-to-face meetings can be arranged for those aiming to build a connection with an agent
  • Competitive rates extended to the majority of drivers
  • Qualified drivers can utilize perks such as accident forgiveness and diminishing deductible
Drawbacks
  • Service coverage is currently limited to just 26 states
  • The online platform currently does not provide immediate quote generation
  • Policy management features are not accessible through the company's online portal

Your past driving history has a notable impact on the monthly premium rates set by insurance companies. People with clean driving records are considered low-risk drivers, leading to more advantageous rates. Conversely, those with speeding violations, DUIs, or at-fault accidents are labeled as “high-risk.”

Unfortunately, individuals with previous driving incidents often encounter notably higher premium rates, which can present affordability difficulties. Nevertheless, certain companies, like Auto-Owners, adopt a more forgiving stance and offer advantages such as accident forgiveness.

Cheapest Rates for Motorists with Driving Violations in Springfield

Company Average Rate Per Year
Auto-Owners $1,510
State Farm $1,734
GEICO $2,320
National General $2,557
USAA $2,835

Cheapest Full Coverage Rates

Overall Rating
4.6

Key Statistics

9/10 Affordability
7/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

Although not available in all states, Auto-Owners is an excellent option for Springfield drivers. The company offers some of the most affordable full coverage rates in the state and places great importance on providing a positive customer experience, especially for those who prefer dealing with a local agent.

While they don’t provide online policy management, the company offers several beneficial features. One highlight is their accident forgiveness policy.

For most of their full coverage plans, Auto-Owners keeps the average yearly cost around $1,032.

Benefits & Drawbacks

Benefits
  • Eligible policyholders have access to a wide range of discounts
  • Acknowledged by collision experts for their efficient claims processing
  • Additional coverage choices including gap insurance, new car replacement, and diminishing deductible are available
Drawbacks
  • Individuals needing an SR-22 will need to secure coverage from a different insurance provider
  • Currently, coverage is limited to only 26 states
  • Online or app-based application and policy management services are not presently provided

While every driver must have the minimum state-required coverage, getting comprehensive full auto insurance is optional. However, there are advantages to paying a little more for added protection. For example, with a complete full coverage auto policy, you receive these coverages:

  • Property damage liability
  • Bodily injury liability
  • Comprehensive and collision protection

Cheapest Full Coverage Rates in Springfield

Company Average Rate Per Year
Auto-Owners $1,040
State Farm $1,102
GEICO $1,472
Travelers $1,605
American Family $1,914

Cheapest Rates for Senior Drivers

Overall Rating
4.1

Key Statistics

8/10 Affordability
6/10 Customer Reviews
6/10 Payouts
7/10 Coverage Level

Why We Like Them

Though Mercury Insurance might not achieve the highest ratings in comparison to certain other providers, they do present the most economical rates for seniors living in Springfield.

The typical annual expense amounts to about $1,053. Mercury additionally offers extra perks and choices for policyholders, including ride-sharing coverage and safeguarding against mechanical breakdowns.

Benefits & Drawbacks

Benefits
  • Affordable insurance selections customized for senior drivers and individuals with a spotless driving record
  • Specialized additional coverage is available for ride-sharing drivers
Drawbacks
  • Higher volume of customer complaints in comparison to industry norms
  • Few options for personalizing auto insurance policies
  • Coverage is limited to an exclusive 11-state region

Unlike younger drivers, seniors have gathered years of driving experience, which provides ample data for insurance companies to factor in when calculating what rates to offer the,. If a senior driver has maintained a relatively clean driving record over their lifetime, it’s likely that their rates will often be below average.

Moreover, specific insurance companies might offer senior drivers lower rates if they drive their vehicles infrequently. Because the chances of accidents decrease, providers often label seniors as “low-risk” drivers.

Cheapest Rates for Senior Drivers in Springfield

Company Average Rate Per Year
Mercury $1,045
Country Preferred Insurance $1,056
GEICO $1,104
Erie $1,257
State Farm $1,282

Cheapest Minimum Coverage Rates

Overall Rating
4.6

Key Statistics

9/10 Affordability
7/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

If you’re in search of a simple coverage plan, it’s important to find a reliable company that can assist you in case of accidents or damage. With Auto-Owners, you’ll have the advantage of a local agent who understands your specific requirements. Moreover, Auto-Owners is positioned as one of the most economical choices in the Springfield area.

For most customers seeking minimal coverage, the yearly cost with Auto-Owners hovers around $840.

Benefits & Drawbacks

Benefits
  • Exhibits strong financial performance across multiple independent agencies
  • Dedicated local agents manage policies, promoting a strong connection between the company and policyholders
  • Affordable rates are available for a broad spectrum of driving scenarios
Drawbacks
  • The lack of online or app-based options for viewing and managing policies
  • Coverage is confined to a mere 26 states
  • Currently does not offer the ability to handle SR-22 filings

While many people opt for full coverage auto insurance, there are sound reasons for choosing a minimum coverage plan. For example, if you have multiple vehicles and rarely use one, selecting a minimum coverage plan for that specific car is a sensible decision.

Likewise, if you have a college student who plans to leave their vehicle at your home while away at school, you might consider adjusting the coverage from full to minimum, in order to cut down on costs.

Ultimately, a minimum coverage plan allows for legal driving of a vehicle while providing partial protection in case of accidents or collisions.

Cheapest Minimum Coverage Rates in Springfield

Company Average Rate Per Year
Auto-Owners $867
State Farm $873
GEICO $1,196
National General $1,314
Erie Insurance $1,382

Cheapest Rates for Young Drivers

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Before delving into USAA, it’s key to understand that they exclusively offer coverage to active military members, veterans, and their families. If you match this category, it’s worth including USAA when requesting insurance quotes.

USAA is recognized for its top-notch customer service and satisfaction. They also provide competitive rates in Springfield, where young drivers typically pay approximately $1,632 yearly for coverage. USAA extends advantages such as accident forgiveness and new car replacement as well.

Benefits & Drawbacks

Benefits
  • Renowned for its outstanding customer service and excellent user experience
  • Budget-friendly rates accommodate nearly every type of driver
  • Features encompass accident forgiveness and the chance for new car replacement
Drawbacks
  • Restricted coverage availability only for military members, veterans, and their families
  • The option to include gap insurance in an auto policy is notably missing

Normally, insurance companies view driving history as a significant factor in determining premiums. However, when it comes to young drivers, applying the same criteria is tricky due to their limited road experience. Instead, many companies use data to predict the potential risk associated with teenage drivers.

As time progresses and more driver data becomes available, many young drivers will notice their rates decreasing as they consistently practice safe driving behaviors.

Cheapest Rates for Young Drivers in Springfield

Company Average Rate Per Year
USAA $1,549
Country Financial $1,661
State Farm $1,778
Travelers $2,404
Progressive $2,481

Average cost of car insurance in Springfield, IL

Insurance Company Average Monthly Quote
Auto-Owners $89
State Farm $91
Geico $123
National General $136
Travelers $144

Average cost in Springfield – By age

Age Group Average Monthly Rate
Teenagers $331
Under 25 $244
25-29 $186
30s $163
40s $176
50s $141
60s $158
70s $133
80s $151

Average cost in Springfield – By Gender

Gender Average Monthly Cost
Female $92
Male $94

Average cost in Springfield – Marital Status

Marital Status Average Monthly Cost
Single $96
Married $82

Average cost in Springfield – By accident and violation history

Violation/Incident Type Average Monthly Rate
Clean Record $181
Speeding Ticket $256
DUI/DWI $373
At-Fault Accident $278

Average cost in Springfield – By credit tier

Credit Tier Average Monthly Rate
Excellent $82
Good $98
Fair $132
Poor $176

Average cost in Springfield – By Zip code

Zip Code Average Monthly Cost
61107 $123
62764 $131
62701 $129
62716 $127
62702 $123
62703 $127
62707 $120
62704 $119

Minimum car insurance requirements in Illinois

In Illinois, having auto insurance coverage is required by law to legally drive a motor vehicle. The following coverage amounts are necessary:

  • $25,000 for injury or death of one person in an accident
  • $50,000 for injury or death of multiple people in an accident
  • $20,000 for damage to someone else’s property

Failing to meet these minimum requirements could lead to fines of up to $1,000 and/or the temporary suspension of your driver’s license.

How to buy car insurance in Springfield

When it comes to getting car insurance, the real challenge lies not in acquiring the policy itself, but in understanding the necessary steps to secure the coverage you require. If you’re new to this process, comparing policy options might feel like a daunting task.

To give you a clearer idea of what to expect during your car insurance journey, here are five essential tips/steps you should be sure to follow:

Step 1: Get all necessary information ready beforehand (like vehicle details, driver’s license numbers, personal info of policy members, and driving history).
Step 2: Determine the coverage amount needed to meet Illinois legal requirements.
Step 3: Decide whether you want to buy your policy online or through a local agent.
Step 4: Compare quotes from at least three different auto insurance providers.
Step 5: Finalize your policy purchase and let your previous insurer know about the switch.

Factors that impact cost of your car insurance policy in Springfield

Several factors contribute to calculating your monthly car insurance premium. Consider your zip code, for example; it significantly impacts the rates provided by insurers. Living in an area with high auto theft or vandalism rates often results in increased coverage expenses.

Location is important, but car insurance companies also consider these aspects when determining your rates:

  • Driving history
  • Vehicle type
  • Average annual mileage
  • Credit history
  • Marital status
  • Age
  • Gender
  • State-mandated insurance requirements

In the news

  • A bill under consideration in Illinois seeks to ban insurance pricing factors linked to gender, occupation, and credit scores.
  • Recent research shows that Springfield has experienced the fourth-largest increase in auto insurance rates across the country.

Information about Springfield

Nestled in the heart of Illinois, Springfield exudes its own captivating charm. This dynamic city might not boast the sprawling scale of its larger counterparts, yet it radiates a character entirely unique.

Famed for its genuine Midwestern spirit, Springfield has cultivated a cultural scene that mirrors the heart and soul of the region. Visionaries, musicians, and performers find their creative haven here, contributing vibrant strokes of artistry to the city’s canvas.

What further distinguishes Springfield is its role as the abode of Abraham Lincoln – the Abraham Lincoln Presidential Library and Museum stands as a testament to this, inviting history enthusiasts from all walks of life to delve into the city’s rich historical tapestry.

Car insurance discounts in Springfield

When considering car insurance in Springfield, it’s more than just finding the most affordable option. Several companies offer different discounts that could significantly reduce your monthly coverage costs. Let’s go through some of these discounts you should certainly think about before finalizing your car insurance policy:

  • Paid in full
  • Multi-vehicle
  • Multi-policy
  • Military
  • Senior
  • Student away
  • Good student
  • Safe driver
  • Defensive driving
  • Low mileage
  • Accident-free

FAQs

Which company offers the cheapest car insurance?

For budget-conscious drivers in Springfield seeking affordable car insurance, State Farm is the recommended choice. Among the available options in the city, this insurance provider distinguishes itself by offering cost-effective coverage, averaging around $900 annually.

Why is Illinois car insurance so high?

While several factors contribute to the monthly expenses for drivers in Illinois, there’s a significant factor that’s been causing rates to rise lately — uninsured drivers. With approximately 15% of drivers on the road lacking insurance, insurance companies are increasing premiums to cover the costs when accidents involving uninsured drivers occur.

How much is car insurance in Illinois a month?

The place you call home can influence your auto insurance rates. On average, though, most Illinois drivers can expect to pay around $1,235 per month for comprehensive car insurance coverage.

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