Cheap Auto Insurance Quotes in Springfield, IL (2021)

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Car Insurance in Springfield, IL

The average cost of Illinois car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Springfield, IL to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Springfield, IL

Here are the cheapest carriers in Springfield for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

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Springfield, IL Driving Facts

Minimum Car Insurance Requirements in IL

Illinois drivers must keep a copy of their insurance card in their vehicle at all times.

If you’re pulled over and you cannot provide proof of insurance, you will be required to provide that proof in court. And you’ll face a $100 fine.There are several important insurance requirements for minimum coverage for Illinois drivers:

  • Bodily injury coverage per person / per accident: $25,000 / %50,000
  • Property damage liability coverage:  $20,000
  • Uninsured motorist bodily injury: $20,000/$40,000
  • Uninsured motorist property damage: $15,000 with $250 deductible
  • Underinsured motorist coverage: $25,000/$50,000

Liabiltiy insurance coverage is non-negotable. You can, however, reject uninsured motorist coverage if you want to. You’ll need to do so in writing. Of course, we don’t recommend doing so, especially because an estimated 13.7% of Illinois drivers are uninsured. 

Other optional coverages for your auto policy include, of course, comprehensive and collision. Comprehenisve coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision. Collision coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”

illinois

Find local Springfield agents

TROXELL
214 S. Grand Avenue West, Springfield, IL 62704
Forsyth Insurance Group
430 E Vine St, Springfield, IL 62703
Prairie State Insurance Agency, Inc.
430 E Vine St, Springfield, IL 62703
'Lee O''Keefe Insurance Agency Inc'
2501 Chatham Rd., Ste 100, Springfield, IL 62704
Insurance Partners, Inc.
901 S Spring St, Springfield, IL 62704
Independent Insurance Agents of Illinois
4360 Wabash Ave, Springfield, IL 62711-7009
Lumsden & Associates
323 W Cook Street, Springfield, IL 62704
Preston Insurance Agency Illinois, LLC
3307 Robbins Rd, Springfield, IL 62704-6587
Dimond Bros Insurance, LLC
3931 Wood Duck Dr Ste A, Springfield, IL 62711-7139
BOS Insurance Services
3400 Wabash Ave, Springfield, IL 62711

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Springfield stacks up for the state of Illinois:

hyundai
Hyundai Sonata
Most Popular Car in
Springfield, IL
suspended licenses
#6
Cities with Most
Suspended Licenses Rank