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Cheap Auto Insurance Quotes in Springfield, IL (January 2022)

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Last Updated: January 2022

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.
$67
$79
$108
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$118
AllstateState FarmProgressiveTravelersNationwide

Cheapest Car Insurance in Springfield, IL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$131
$139
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IllinoisChicagoAuroraRockfordJolietSpringfield
Click here to learn about car insurance quotes and save on your current policy.

Springfield, IL Driving Facts

illinois

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.”

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 Insights: How Springfield Drivers Measure Up

hyundai
Hyundai Sonata
Most Popular Car in
Springfield, IL
suspended licenses
#10
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Springfield drivers measure up to their fellow Illinois motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Springfield

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Springfield drivers rank 4 in the number of car accidents per driver across all cities in Illinois.

  • Rank within state: #4
  • Percent of drivers in Springfield with an accident: 11.69%
  • Drivers in Springfield, IL with an accident in their driving history paid on average 47.01% more than drivers with a clean record

Speeding in Springfield

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Illinois, Springfield drivers rank 4 in the number of speeding infractions per driver.

  • Rank within state: #4
  • Percent of drivers in Springfield with a speeding ticket: 13.06%
  • Drivers in Springfield, IL with a speeding ticket in their driving history paid on average 40.17% more than drivers with a clean record

DUI/DWIs in Springfield

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Springfield drivers rank 1 in the number of DUI’s per driver across all cities in Illinois.

  • Rank within state: #1
  • Percent of drivers in Springfield with a DUI: 2.5%
  • Drivers in Springfield, IL with a DUI in their driving history paid on average 54.7% more than drivers with a clean record

Most Popular Vehicle in Springfield

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Springfield is the Hyundai Sonata.

Rude Drivers in Springfield

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Illinois, Springfield drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Springfield with a reckless driving violation: 3.23%
  • Drivers in Springfield, IL with a reckless driving violation in their driving history paid on average 48.72% more than drivers with a clean record.

Safest Drivers in Springfield

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Springfield drivers rank 8 in clean driving records across all cities in Illinois.

  • Rank within state: #8
  • Percent of drivers in Springfield with clean record: 76%

Failure to Yield the Right of Way in Springfield

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Springfield drivers rank 4 in failure to yield violations per driver across all cities in Illinois.

  • Rank within state: #4
  • Percent of drivers in Springfield with a failure to yield violation: 0.62%
  • Drivers in Springfield, IL with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Springfield

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Illinois, Springfield drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Springfield with a reckless driving offense: 0.12%

Hybrid/Electric Vehicle Ownership in Springfield

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Springfield drivers rank 27 in hybrid and electric vehicle ownership across all cities in Illinois.

  • Rank within state: #27
  • Percent of drivers in Springfield with a hybrid/electric vehicle: 0.36%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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