Best Cheap Auto Insurance in Springfield, Illinois (2024)

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

Amy Beardsley
Written byAmy Beardsley
Photo of an Insurify author
Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Featured in

media logomedia logo
Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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

Featured in

media logomedia logo

Updated April 17, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

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 $126 per month, which is in line with the Illinois state average of $131 and lower than the national average of $139 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 finding cheap coverage in Springfield.

Quick Facts
  • Springfield drivers pay $78 per month for liability coverage and $173 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]

  • Auto insurers in Illinois can consider credit-based insurance scores when determining premiums.[3]

Find Car Insurance in Springfield, Illinois

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Best 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.

Best insurer for liability-only coverage: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$28/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.
$47/mo

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

Read our Auto-Owners review
Jack - April 9, 2024
Verified

Poor Handling but Partial Payment Made

I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.

Erin - April 7, 2024
Verified

Unhappy with Renewal Costs

The premium is ridiculously expensive for the few miles I drive.

Brandy - April 6, 2024
Verified

Fair Prices from a Trustworthy Company

I've had zero issues!

Best insurer for college students: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
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
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.
$40/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.
$79/mo

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

Read our Hugo review
Ronald - March 8, 2024
Verified

Hugo gradually increases prices like other insurance companies

I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.

Leo - March 4, 2024
Verified

Great Option for Liability Coverage

Excellent.

Britany - February 26, 2024
Verified

Excellent

So far, so good.

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$30/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.
$50/mo

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

Read our State Farm review
Hephzibah - April 16, 2024
Verified

Looking for Good Service and Prices

Not good. The quotes changed and they were difficult to deal with.

Jane - April 16, 2024
Verified

Good Deals

They are friendly and offer good pricing.

Roger - April 16, 2024
Verified

Excellent

Very good agent.

Cheapest liability-only car insurance in Springfield

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.[4]

Here’s where you can find the lowest rates for liability-only coverage in Springfield.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners28
State Farm30
GEICO40
Hugo40
COUNTRY Financial42
Erie46
Mile Auto47
USAA50
American Family54
Safeco57
Mercury59
Clearcover63
Nationwide63
Travelers67
Farmers72
Direct Auto73
Allstate75
Midvale Home & Auto81
State Auto81
GAINSCO85
Elephant88
Dairyland90
The General93
Liberty Mutual95
Bristol West104
Foremost134
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 full-coverage car insurance in Springfield

Full-coverage car insurance includes liability coverage but 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.

For cheap full-coverage insurance, consider these Springfield auto insurers.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners47
State Farm50
Mile Auto66
GEICO67
COUNTRY Financial70
Erie77
Hugo79
USAA82
American Family88
Mercury97
Clearcover102
Safeco105
Travelers105
Nationwide108
Farmers119
Allstate125
Midvale Home & Auto132
Direct Auto144
Liberty Mutual151
State Auto157
Elephant158
GAINSCO187
Dairyland238
The General244
Bristol West250
Foremost305
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.

Estimate your Springfield car insurance costs

Select discounts that apply to you
Save 25%
Save 4%
Save 20%
Save 37%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

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.[5]

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:

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$20,000 per accident
Uninsured/underinsured motorist bodily injury (UM/UIM)$25,000 per person and $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.[6]

Springfield drivers with an incident on their record pay $177 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

Insurify partners with 100+ top insurers for real-time quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest car insurance for drivers with a speeding ticket

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.[7] 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 $185 per month.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners6338
State Farm6439
GEICO8752
COUNTRY Financial9356
Mile Auto9568
USAA10765
Erie11066
Hugo11458
American Family11772
Travelers13989
Nationwide14283
Clearcover14389
Mercury14689
Safeco14981
Farmers15594
Allstate16398
Direct Auto19498
Elephant208116
Liberty Mutual212133
GAINSCO238108
Dairyland321121
The General330126
Bristol West332138
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

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 $192 per month for car insurance if they have a past accident. Consider the following insurance companies for cheap rates.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners6639
State Farm6841
GEICO9355
COUNTRY Financial10060
Mile Auto10172
Hugo10955
USAA11369
Erie11468
American Family12275
Travelers14794
Nationwide15088
Mercury15293
Safeco15886
Farmers16499
Clearcover166103
Allstate172103
Direct Auto205104
Elephant220123
Liberty Mutual223140
GAINSCO254115
Dairyland335127
Bristol West345144
The General348133
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

Driving under the influence (DUI) can have serious repercussions. In 2021, 91% of Illinois drivers arrested for a DUI charge lost their license.[8] 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 $218 per month for car insurance. Here are the cheapest average monthly premiums for drivers with a DUI.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners7746
State Farm8249
GEICO11066
Mile Auto11280
COUNTRY Financial11569
Erie11669
Hugo12061
USAA13482
American Family14488
Mercury16399
Clearcover167103
Safeco17293
Travelers172110
Nationwide177103
Farmers195118
Allstate205123
Direct Auto236120
Liberty Mutual247156
Elephant259144
GAINSCO306139
Dairyland390147
The General400152
Bristol West410170
Foremost500220
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

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 75. However, drivers older than 75 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 $87 per month for car insurance, 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners2414
State Farm2515
GEICO3622
Mile Auto3626
COUNTRY Financial3722
Erie3823
American Family4527
USAA4628
Nationwide5130
Travelers5736
Mercury5936
Farmers6237
Allstate6942
Safeco6938
Direct Auto7840
Clearcover8150
Liberty Mutual8654
Elephant8949
GAINSCO12256
Dairyland14053
Bristol West14359
The General15057
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

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 $220 per month for car insurance.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners7846
State Farm8551
COUNTRY Financial9859
GEICO10563
Mile Auto12690
USAA13582
Erie14083
Hugo14272
American Family14991
Mercury177108
Clearcover181112
Nationwide184107
Safeco186101
Travelers188120
Farmers206125
Allstate218131
Liberty Mutual253159
Elephant260145
Direct Auto261132
GAINSCO333151
Dairyland384145
The General388148
Bristol West413172
Foremost541238
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.

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.

Shop for Car Insurance in Springfield, IL

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 score 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 scores.

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 cost of auto insurance in Springfield is less than the national average. The average cost of car insurance in Springfield is $126 per month, while the national average is $139. 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 $219 per month for full coverage, and Springfield residents pay $173.

More cities in Illinois

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

CityAverage Quote: Full CoverageAverage Quote: Liability Only
Aurora$178$77
Chicago$219$92
Naperville$163$73
Peoria$176$77
Rockford$153$72
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

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 $126 per month. Drivers pay $78 per month for liability coverage and $173 for full-coverage insurance. How much you end up paying for coverage depends on your driving record, credit history, age, and more.

  • 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 4.4 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.[9]

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. United States Census Bureau. "QuickFacts: Springfield city, Illinois."
  2. Illinois Department of Insurance. "Auto Insurance Shopping Guide."
  3. Illinois Department of Insurance. "Credit - How Insurers Use It."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. NOLO. "Illinois Car Accident Laws."
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  7. Illinois Department of Transportation. "2017-2021 Crash Data Trends."
  8. The Office of the Illinois Secretary of State. "Illinois 2023 DUI Fact Book."
  9. 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.

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

  • 3+ years experience in insurance and personal finance editing

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

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all