Click here for our full-length guide to Illinois car insurance quotes, discounts, and state requirements.

Save more pennies in the Land of Lincoln. 

The capital of the Prairie State, Springfield, is centrally located in the heart of Illinois.  As the main mode of transportation for over 116,000 Springfield residents, car travel is a big part of life. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Springfield. Compare and save on the best and cheapest car insurance quotes in Illinois here.

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Cheapest Car Insurance Quotes in Springfield, IL

Here are the cheapest insurance companies in Springfield based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuotes
Allstate$67/month
State Farm$79/month
Progressive$108/month
Travelers$110/month
Nationwide$118/month

USAA often offers the lowest car insurance rates to Illinois drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in Springfield, IL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Springfield. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
American National88$152/month
Allstate86$67/month
Nationwide84$118/month
State Farm83$79/month
Travelers81$110/month
Liberty Mutual80$155/month
Progressive78$108/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. Springfield has higher monthly premiums compared to state and national averages. Keep the savings rolling and compare policies on Insurify today. 

Springfield Average Premium Illinois Average Premium National Average Premium
$124/month $131/month $131/month

Springfield Auto Insurance Requirements 

Before operating on Illinois roadways, Illinois drivers must ensure their motor vehicle holds sufficient liability insurance

Liability coverage is a safety necessity.

In Illinois, state minimum coverage limits for liability car insurance are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Springfield auto insurance rates.

Read more about Illinois car insurance requirements. 

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify

Springfield DMV Information 

There are a few DMV outposts in and around the city of Springfield located on Dirksen Parkway, 2nd Street, and North Klein and Mason. Here, residents can change their address, obtain a driver’s license, and complete vehicle registrations. The DMV is open from 8:30 AM to 5 PM with special morning and evening hours on weekdays. You may be able to skip the lines and access what you need via its online portal. 

Public Transit in Springfield

Springfield, Illinois offers visitors and residents a plethora of public transportation options. The Sangamon Mass Transit District offers bus routes into and around Springfield. Amtrak and Greyhound operate stations near and in the city of Springfield. Ridesharing services like Uber, Lyft, and traditional taxis operate also across the city.

Conclusion: How to get the best and cheapest car insurance in Springfield 

As American drivers know too well, enough precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

With an estimated 13.6 percent of vehicles driving uninsured throughout Illinois, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.

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Updated January 29, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.