Cheapest Auto Insurance in Springfield, Illinois (2025)

Progressive offers the lowest rates in Springfield, starting at $50 per month for liability-only insurance.

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Cheapest recent rates near Springfield, Illinois

Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $67/mo for full coverage in Springfield and other Illinois cities.

*Quotes generated for Insurify users in and around Springfield, Illinois within the last 10 days. Last updated on August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Springfield, Illinois within the last 10 days. Last updated on August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Springfield is the largest city in central Illinois and the sixth-largest city in the state. Residents live in a generally suburban environment, and the average commute to work is 17.5 minutes.[1] The average cost of car insurance in the city is $122 per month, which is in line with the Illinois state average of $117 and lower than the national average of $144 per month.

Your premium will depend on factors like your age and driving history, but Springfield drivers benefit from relatively low average rates. Here’s what you need to know about comparing rates and finding cheap coverage in Springfield.

Quick Facts
  • Springfield drivers pay $83 per month for liability coverage and $161 for full-coverage insurance, on average.

  • The Illinois Department of Insurance suggests that drivers consider buying more coverage than the minimum 25/50/20 policy required in the state.[2]

  • The cheapest car insurance companies in Springfield are Progressive, Auto-Owners, and State Farm.

3 of the cheapest car insurance companies in Springfield

When looking at top car insurance companies in Springfield, you should consider your coverage preferences, driving habits, and budget. The cheapest option you find may not work best for your insurance needs.

Here are three top insurers selling affordable coverage in Springfield. Start your search below.

Insurance Company
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Auto-Owners8.2$71$48Liability-only coverage
Hugo6.3N/A$138College students
State Farm9.3$77$52Drivers with at-fault accidents
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. 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 55,000 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 liability-only coverage: Auto-Owners

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.
8.2 /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.
$50/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.
$71/mo
3.9
A solid optionBased on 219 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (128)
Bruce C
Verified Review
Auto-Owners OK
Reviewed in Michigan on August 2025
Return calls and information are relatively fast. Previous attempts to find a lower-cost policy have been fruitless.
John
Verified Review
Auto-Owners Too Expensive
Reviewed in Georgia on August 2025
Way too expensive. At least $150/month more than others.
Joseph
Verified Review
Average
Reviewed in Florida on August 2025
Good but expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.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

Auto-Owners stands out as the top choice for liability-only car insurance in Springfield. The company has 10 local agents in the city. You can customize your coverage to buy only the protection you need and access several discounts to help keep your rates low. You also have the option of at-fault accident forgiveness coverage in case of a mishap on the road.

Pros
  • 10 agents near the city center

  • Above-average J.D. Power customer satisfaction rating in the North Central region

  • Below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC) for a company of its size

Cons
  • Online quotes not available

  • Drivers with poor credit may pay higher rates

  • Accident forgiveness costs extra

Best insurer for college students: Hugo

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.
6.3 /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.
$138/mo
4.1
Best choiceBased on 155 verified guest reviews and ratings
How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (57)
Andrea
Verified Review
Excellent
Reviewed in Georgia on April 2025
Hugo is awesome.
Donna
Verified Review
No Thanks
Reviewed in Georgia on April 2025
In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.
Rebekah
Verified Review
Never Able to Speak with Customer Service, So I Switched!
Reviewed in Georgia on March 2025
I was never able to speak with someone, so I switched!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.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).
NR
Why we picked this company

Hugo is the best car insurance company for Springfield college students with different budgets and driving needs. It offers pay-as-you-go coverage for as little as three days at a time, but you can also get full coverage for more protection. Hugo will extend your coverage without charging extra fees or interest if you’re short on cash and can’t reload your account.

Pros
  • Trustpilot rating of 4.8 stars with nearly 12,000 reviews

  • Flexible for students who drive infrequently

  • Zero down payment makes policies accessible

Cons
  • No local agents available

  • High-mileage students may find cheaper car insurance elsewhere

  • Limited coverage options

Best insurer for drivers with at-fault accidents: State Farm

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.
9.3 /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.
$54/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.
$77/mo
4.1
Best choiceBased on 11,464 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

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

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,107)
Edward
Verified Review
Good insurance, just not great.
Reviewed in Virginia on August 2025
Very responsive with claims, but costly premium increases.
Daniel
Verified Review
My experience with State Farm has been generally good
Reviewed in New Mexico on August 2025
I've never had any real problems with State Farm. When I'm trying to reduce my insurance costs, I shop around.
Lori
Verified Review
Excellent
Reviewed in California on August 2025
Expensive but good if you need it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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

State Farm considers your driving record as just one of several factors when determining quotes, making it an excellent option for Springfield drivers after an at-fault accident. You have various coverage options, including emergency road service and collision coverage. The company has 25 local agents to help you navigate coverage options, limits, and deductibles.

Pros
  • 25 Springfield agents available

  • A++ (Superior) financial strength rating from AM Best

  • Above-average J.D. Power customer satisfaction rating in the North Central region

Cons
  • Gap insurance not available

  • Accident-free discount requires three years of continuous coverage

  • Illinois defensive driving course discount only available to drivers age 55 and older

How to get the cheapest car insurance in Springfield

You have some control over how much you pay for car insurance. Insurers consider age and gender, but your driving record, vehicle type, and ZIP code also play a role.

To help you get the best rates possible, consider the following tips:

  • Increase your deductible. A higher deductible can lead to lower premium payments.

  • Review coverage options. Consider your coverage needs. You may want to drop unnecessary coverage or adjust policy limits to cut costs.

  • Keep your credit score up. Springfield insurers consider credit scores when setting your car insurance rates. Better scores can lead to better premiums.

  • Ask about discounts. Get in touch with your insurance agent to find out if you qualify for any discounts.

  • Compare quotes. Request quotes from more than one insurance company to find the most affordable coverage for you.

Find Car Insurance in Springfield, Illinois

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ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Springfield: Progressive

Liability-only car insurance doesn’t cover your injuries or motor vehicle damage. Instead, it covers any damage or injury you cause to others while driving. It includes bodily injury liability and property damage liability. Bodily injury liability pays for medical expenses and rehabilitation costs, while property damage covers damage to another car or property.[3]

Liability-only policies in Springfield cost $83 per month, on average. Here’s where you can find the lowest rates for liability-only coverage in Springfield.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$50
Auto-Owners$50
State Farm$54
Mercury$71
Direct Auto$73
COUNTRY Financial$76
Erie$83
GEICO$84
USAA$88
The General$90
Safeco$94
Bristol West$95
National General$95
American Family$95
GAINSCO$96
Dairyland$99
Elephant$102
Root$108
Nationwide$112
Travelers$121
Foremost$127
Farmers$129
Allstate$135
Liberty Mutual$166
State Auto$169
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Springfield: Auto-Owners

Full-coverage car insurance includes liability coverage and also protects your vehicle with collision and comprehensive coverage. You may want to opt for full coverage if you have a new or high-value car you want to protect against potential damages. If you lease or finance your car, your lender will typically require you to purchase this coverage.

Drivers in Springfield pay an average of $161 per month for full-coverage insurance. For cheap full-coverage insurance, consider these auto insurers.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$71
State Farm$77
COUNTRY Financial$108
GEICO$115
Erie$118
Progressive$123
USAA$125
Mercury$128
American Family$135
Direct Auto$148
Safeco$151
Nationwide$159
Elephant$171
Travelers$172
Farmers$183
National General$187
Allstate$192
The General$193
Bristol West$235
Root$239
State Auto$241
Dairyland$265
GAINSCO$269
Liberty Mutual$270
Foremost$364
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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, Illinois

Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $67/mo for full coverage in Springfield and other Illinois cities.

*Quotes generated for Insurify users in and around Springfield, Illinois within the last 10 days. Last updated on August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Springfield, Illinois within the last 10 days. Last updated on August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Illinois

Per Illinois state law, drivers must carry a minimum amount of liability insurance. Illinois is an at-fault state, which means the driver who caused the accident is financially responsible for injuries, property damage, and other losses caused by the accident.[4]

The Illinois Department of Insurance suggests that the minimum limits may fall short of covering all expenses after an accident. You should consider increasing your coverage limits for better financial protection.

Here are the minimum requirements for car insurance in Illinois:

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person
$50,000 per accident
Property damage liability$20,000 per accident
Uninsured/underinsured motorist bodily injury (UM/UIM)$25,000 per person
$50,000 per accident

In addition to the required liability and UM/UIM insurance, several other coverage options are available for Springfield drivers. Common optional insurance add-ons include:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers your car repair or replacement costs after an auto accident or a collision with an object, like a fence or a pole.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damages to your car from non-collision incidents, like theft, vandalism, or severe weather.

  • illustration card https://a.storyblok.com/f/162273/x/38dc81ba93/drive-1.svg

    Custom equipment

    This pays to repair or replace upgrades you’ve made to your car, like custom rims or a fancy stereo.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments

    Medical payments, also known as MedPay, helps cover medical expenses for you and your passengers after an accident, regardless of who causes the wreck.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    Gap insurance fills the gap between what you owe on your loan or lease and what your car is worth if you total your vehicle.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement

    Rental reimbursement helps with the cost of renting a car if yours is in the shop after an accident or covered loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    Roadside assistance includes towing coverage, jump-starts, and flat-tire fixes if you’re stuck on the side of the road.

Cheapest car insurance for drivers with an incident

Driving incidents include at-fault accidents, speeding tickets, DUIs, and other traffic violations. These incidents show up on your driving record. Because insurance companies look at your driving history when setting your rates, incidents can increase how much they charge you for car insurance coverage.[5]

Springfield drivers with an incident on their record pay $145 per month for car insurance. How much your premium will increase after an incident depends on the severity of the offense and whether you have other violations on your record.

Find Car Insurance After an Incident

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ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Progressive

Speeding is a leading cause of car accidents in Illinois. The state had nearly 20% more speed-related crashes and 11% more speed-related fatal accidents in 2021 than in 2020.[6] If you have a speeding ticket on your record, insurers will likely consider you a higher-risk driver and increase your premiums. Some insurers offer discounts for completing defensive driving courses.

Here are some of the cheapest Springfield car insurance companies for drivers with a speeding ticket. On average, these drivers pay $100 per month for liability coverage and $194 per month for full coverage.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
Progressive$50$60
Auto-Owners$50$61
State Farm$54$65
Mercury$71$94
Direct Auto$73$90
COUNTRY Financial$76$93
Erie$83$105
GEICO$84$105
USAA$88$108
The General$90$117
Safeco$94$118
Bristol West$95$118
National General$95$116
American Family$95$117
GAINSCO$96$113
Dairyland$99$121
Elephant$102$120
Root$108$138
Nationwide$112$138
Travelers$121$150
Foremost$127$156
Farmers$129$158
Allstate$135$165
Liberty Mutual$166$204
State Auto$169$210
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Auto-Owners

In 2021, 9,996 people were in car accidents in Sangamon County. Because insurance companies consider your driving history and accident record when determining premiums, you’ll face increased rates after an accident. Looking at quotes from several auto insurance companies can help you find low rates if you have an at-fault accident on your record.

Springfield drivers pay an average of $109 per month for liability-only car insurance and $212 per month for full coverage if they have a past accident. Consider the following insurance companies for cheap rates.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
Progressive$50$66
Auto-Owners$50$64
State Farm$54$70
Mercury$71$102
Direct Auto$73$99
COUNTRY Financial$76$98
Erie$83$104
GEICO$84$104
USAA$88$115
The General$90$123
Safeco$94$128
Bristol West$95$124
National General$95$124
American Family$95$124
GAINSCO$96$122
Dairyland$99$130
Elephant$102$133
Root$108$137
Nationwide$112$147
Travelers$121$159
Foremost$127$166
Farmers$129$168
Allstate$135$175
Liberty Mutual$166$217
State Auto$169$222
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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

Driving under the influence (DUI) can have serious repercussions. In 2021, 91% of Illinois drivers arrested for a DUI charge lost their license.[7] Besides facing legal fees and other consequences, you may also struggle to find affordable auto coverage after a DUI.

Drivers in Springfield with a past DUI pay $134 per month for liability-only car insurance and $259 per month for full coverage. Here are the cheapest average monthly premiums for drivers with a DUI.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
Progressive$50$81
Auto-Owners$50$77
State Farm$54$83
Mercury$71$110
Direct Auto$73$113
COUNTRY Financial$76$117
Erie$83$128
GEICO$84$130
USAA$88$136
The General$90$139
Safeco$94$158
Bristol West$95$146
National General$95$146
American Family$95$146
GAINSCO$96$148
Dairyland$99$153
Elephant$102$157
Root$108$167
Nationwide$112$173
Travelers$121$187
Foremost$127$196
Farmers$129$199
Allstate$135$208
Liberty Mutual$166$256
State Auto$169$261
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Auto-Owners

Your age has a significant effect on how much you pay for auto coverage. Car insurance expenses tend to decrease with age for drivers between the ages of 35 and 70. However, drivers older than 70 may start to face slightly increased rates as insurers account for aging-related risk factors and a higher fatal car accident rate.

Senior drivers in Springfield pay $135 per month for full coverage and $70 per month for liability only, on average. Take a look at the table below to find the best quotes for Springfield seniors.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Auto-Owners$40$57
State Farm$42$60
Progressive$42$103
Direct Auto$58$118
Mercury$59$106
COUNTRY Financial$63$90
Erie$64$91
GEICO$67$91
USAA$71$101
The General$74$158
National General$74$145
American Family$76$107
Bristol West$78$192
GAINSCO$80$225
Dairyland$81$216
Safeco$81$131
Nationwide$85$121
Elephant$85$142
Root$91$201
Travelers$96$136
Farmers$102$144
Foremost$108$309
Allstate$110$156
State Auto$130$185
Liberty Mutual$138$224
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Auto-Owners

Teens pay the most expensive car insurance rates because they have little driving experience and are prone to riskier behavior. Insurers classify teenagers as high-risk drivers, and high-risk drivers pay more for auto insurance coverage.

However, a few strategic choices can lower teen car insurance costs. To start, consider joining your parents’ insurance policy — it’s often cheaper than buying coverage separately. You may also pay less by choosing a car with good safety ratings and keeping your grades up to qualify for a good student discount.

In the table below, you’ll find the average car insurance costs for teens from different insurers in Springfield. On average, teens in the city pay $340 per month for full coverage and $176 per month for liability only.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Insurance Company
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Liability Only
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Full Coverage
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Auto-Owners$100$142
Progressive$106$260
State Farm$110$157
COUNTRY Financial$128$183
Mercury$143$257
Direct Auto$154$312
GEICO$161$221
Erie$166$237
The General$168$360
USAA$174$247
Dairyland$179$479
Bristol West$183$453
American Family$190$270
Elephant$191$320
GAINSCO$194$544
Safeco$201$323
Root$203$449
National General$207$408
Nationwide$233$330
Foremost$256$734
Travelers$259$368
Farmers$265$376
Allstate$284$404
Liberty Mutual$315$513
State Auto$433$617
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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

Insurers will likely look at your credit-based insurance score when setting your rates. Credit-based insurance scores aren’t the same as traditional credit scores, but your payment history, outstanding debt, and credit are crucial factors.

Insurers consider your credit history a good indicator of the number of claims you may file in the future. Springfield drivers with excellent or good credit often pay significantly less than drivers with poor credit.

Here are the average rates for full-coverage insurance by credit tier in Springfield.

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?

The overall average cost of auto insurance in Springfield is $122 per month, which is less than the national average of $144 per month. Rates can vary by city and ZIP code within Illinois, depending on population density, accident rates, and more.

Drivers in denser urban areas typically pay more for coverage than people in rural and suburban areas. For instance, Chicago drivers pay an average of $210 per month for full coverage, and Springfield residents pay $161.

More cities in Illinois

Average rates for coverage vary by city in Illinois. Peoria, about an hour north of Springfield, has similar car insurance rates to Springfield’s, while Naperville and Rockford drivers pay less on average. Below, you can see how much drivers in other Illinois cities pay for full coverage and liability-only insurance.

City
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Average Quote: Liability Only
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Average Quote: Full Coverage
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Aurora$80$150
Chicago$102$210
Decatur$73$131
Naperville$78$151
Peoria$81$146
Rockford$78$146
Waukegan$81$149
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Springfield car insurance FAQs

You should decide how much car insurance you need before you start the process of shopping around for coverage. The information below should answer any remaining questions and help you navigate the process of buying coverage in Springfield.

  • How much is car insurance in Springfield?

    The overall cost of car insurance in Springfield is $122 per month. Drivers pay $83 per month for liability coverage and $161 for full-coverage insurance. How much you end up paying for coverage depends on your driving record, credit history, age, and more.

  • Which companies have the cheapest car insurance in Springfield?

    Progressive has the cheapest car insurance in Springfield, with a monthly liability-only rate of $50. Other affordable insurers include Auto-Owners and State Farm, with liability rates of $50 and $54 per month, respectively. The cheapest car insurance company for you will depend on many factors, including your age, ZIP code, gender, driving record, credit history, and vehicle.

  • What are the best car insurance companies in Springfield?

    With an A++ (Superior) financial strength rating from AM Best and an Insurify Quality (IQ) Score of 9.3 out of 5, State Farm is the best car insurance company in Springfield. Other top insurers include Auto-Owners and Hugo.

  • What is the minimum car insurance in Illinois?

    Illinois drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $20,000 per accident in property damage liability, and $25,000 per person and $50,000 per accident in UM/UIM coverage.

  • Is it illegal to drive without insurance in Illinois?

    Yes. If you don’t have insurance in Illinois, a law enforcement officer may give you a traffic citation. You also face license plate suspension and a minimum fine of $500.[8]

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 500+ 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. United States Census Bureau. "QuickFacts: Springfield city, Illinois."
  2. Illinois Department of Insurance. "Auto Insurance Shopping Guide."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. NOLO. "Illinois Car Accident Laws."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. Illinois Department of Transportation. "2017-2021 Crash Data Trends."
  7. The Office of the Illinois Secretary of State. "Illinois 2023 DUI Fact Book."
  8. The Office of the Illinois Secretary of State. "Mandatory Insurance."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Amy has been a contributor at Insurify since September 2023.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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