120+ more*Quotes generated for Insurify users in and around Springfield, Illinois within the last 10 days. Last updated on September 14, 2026. 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 September 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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25 years teaching risk management and insurance course
Former commercial lines underwriter
Updated
Car insurance in Springfield, Illinois, averages $160 per month for full coverage and $80 per month for liability-only coverage. This is close to the average cost of car insurance statewide.
Drivers in Decatur pay slightly lower car insurance rates, while Chicago drivers pay significantly more. Springfield and Decatur both have lower population densities, which can contribute to lower rates.
In contrast, Chicago’s higher population density and vehicle theft rate contribute to higher insurance premiums.
Auto-Owners offers the cheapest car insurance in Springfield, averaging $40 per month for liability coverage.
To meet Illinois car insurance requirements, drivers must carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, and $20,000 per accident in property damage liability, according to the Illinois Department of Insurance.
You also need $25,000 per person and $50,000 per accident in uninsured motorist coverage.[1] All liability-only insurance policies in Illinois must meet these minimum requirements.
The table below shows companies with the cheapest liability-only rates in Springfield.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $40 |
| State Farm | $44 |
| Certainly | $55 |
| Progressive | $58 |
| Country Financial | $60 |
| Direct Auto | $61 |
| The General | $62 |
| GEICO | $63 |
| Erie | $66 |
| First Chicago | $66 |
| USAA | $70 |
| GAINSCO | $74 |
| Safeco | $74 |
| American Family | $75 |
| Mercury | $75 |
| Bristol West | $77 |
| National General | $78 |
| Freedom National | $86 |
| Elephant | $89 |
| Clearcover | $91 |
| Dairyland | $92 |
| First Acceptance | $93 |
| Insurify Car | $93 |
| Travelers | $96 |
| Farmers | $103 |
| Root | $104 |
| Liberty Mutual | $106 |
| Allstate | $108 |
| Mendota | $108 |
| Hugo | $111 |
| State Auto | $136 |
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Full coverage in Springfield costs an average of $160 per month. Auto-Owners has the cheapest full-coverage rates in Springfield, averaging $73 per month. State Farm also has low full-coverage rates, averaging $79 per month.
Frequent deer collisions in Illinois can affect car insurance rates. Sangamon County has one of the state’s highest numbers of accidents involving deer, with 282 in 2022 alone.[2]
A full-coverage insurance policy, which includes comprehensive coverage, typically pays to repair or replace your vehicle if you hit a deer.
Interstate 55 also runs through Springfield, with about 57,000 vehicles traveling daily on its southeastern portion. More traffic on the road increases the likelihood of accidents, and full coverage, which includes collision coverage, can pay for vehicle repairs if you’re in a crash.
Below are companies with the cheapest full-coverage rates in Springfield.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $73 |
| State Farm | $79 |
| Country Financial | $110 |
| Progressive | $110 |
| Safeco | $115 |
| Erie | $121 |
| GEICO | $121 |
| Direct Auto | $125 |
| USAA | $129 |
| Mercury | $130 |
| American Family | $139 |
| Elephant | $154 |
| National General | $155 |
| Certainly | $158 |
| The General | $163 |
| Root | $164 |
| First Chicago | $165 |
| Liberty Mutual | $171 |
| Bristol West | $178 |
| Clearcover | $178 |
| Travelers | $178 |
| Farmers | $188 |
| Freedom National | $188 |
| Allstate | $197 |
| GAINSCO | $197 |
| Mendota | $213 |
| First Acceptance | $227 |
| State Auto | $248 |
| Dairyland | $255 |
Bloomington has some of the cheapest insurance rates in the state, with coverage averaging $99 per month. Chicago’s rates are among the highest in the state, averaging $164 per month.
Chicago’s rates are much higher for several reasons. Besides its high population density, it also has one of the nation’s highest vehicle theft rates by volume, according to Insurify data.
Peoria, about 70 miles north of Springfield, has rates similar to Springfield’s. The two cities have similar population sizes, according to the U.S. Census Bureau, and similar accident rates, according to Insurify data. Both factors contribute to insurance costs.
The following table shows average monthly car insurance rates in various Illinois cities.
City | Average Monthly Quote |
|---|---|
| Bloomington | $99 |
| Moline | $104 |
| Decatur | $105 |
| Champaign | $108 |
| Naperville | $110 |
| Wheeling | $112 |
| Rockford | $114 |
| Peoria | $116 |
| Schaumburg | $116 |
| Crest Hill | $117 |
| Elgin | $117 |
| Aurora | $118 |
| Waukegan | $119 |
| Des Plaines | $122 |
| Evanston | $123 |
| Joliet | $123 |
| Berwyn | $130 |
| Skokie | $134 |
| Belleville | $136 |
| Chicago Heights | $153 |
| Cicero | $154 |
| Chicago | $164 |
*Quotes generated for Insurify users in and around Springfield, Illinois within the last 10 days. Last updated on September 14, 2026. 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 September 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance premiums can vary significantly depending on your driving record. Check out the information below to find the cheapest insurers based on your driving record.
Cheapest car insurance for Springfield drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Springfield: Auto-Owners
Cheapest car insurance for Springfield drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Springfield: Auto-Owners
In Springfield, 3.8% of drivers have a speeding ticket, 0.6% have a driving under the influence (DUI) conviction, and 4% have an at-fault accident on their record, according to Insurify data.
Illinois is an at-fault state, which means the at-fault driver is financially responsible for the other driver’s car repairs and medical bills.
This table shows average monthly rates in Springfield based on driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $120 |
| Speeding ticket | $156 |
| At-fault accident | $166 |
| DUI | $177 |
In May 2026, the city launched a campaign to remove parking meters and make parking free in the downtown area. Downtown parking is free but time-limited, and you risk getting a ticket if you exceed the limit.
Springfield was home to former President Abraham Lincoln and has many historical sites and museums. These attractions bring in tourists and school field trips, particularly in late spring.
Springfield also hosts the Illinois State Fair every August. More than 700,000 people attended in 2025, according to the governor’s office, with large crowds adding to traffic congestion.
Beyond traffic congestion, Springfield drivers should be aware of flooding. The Sangamon River and the South Fork of the Sangamon River are major sources of flooding, and many creeks in the area are also prone to flooding.[3]
Be alert during heavy rainfall, and avoid driving on flooded roads. Heavy rains can also topple trees and power lines, creating additional hazards for drivers.
Springfield traffic is fairly light compared to the national average. Drivers in the city have an average commute time of 17.4 minutes, which is well below the national average of 27.2 minutes, according to the U.S. Census Bureau.
While rush-hour traffic can cause bottlenecks on I-55 and I-72, trains blocking crossings can also create backups. But the ongoing $544 million Springfield Rail Improvements Project is removing many of the city’s at-grade crossings and constructing underpasses.[4]
See rates from top auto insurance companies in Illinois.
Liability-only insurance for teen drivers in Springfield averages $159 per month. Auto-Owners has the lowest rates, averaging $84 per month.
Springfield’s teen driving requirements align with the state’s graduated license program. Teens can receive a permit at age 15 and must enroll in an approved driver education course.
After holding the permit for at least nine months and driving 50 or more hours, they can qualify for a license with nighttime restrictions. Teens can get an unrestricted license at age 18.[5]
The table below shows the cheapest rates for teen drivers in Springfield.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $84 |
| State Farm | $88 |
| Country Financial | $99 |
| Certainly | $109 |
| Progressive | $115 |
| The General | $117 |
| GEICO | $119 |
| Direct Auto | $124 |
| Erie | $126 |
| First Chicago | $131 |
| USAA | $134 |
| GAINSCO | $135 |
| Bristol West | $142 |
| Mercury | $142 |
| American Family | $147 |
| Clearcover | $156 |
| Safeco | $156 |
| National General | $160 |
| Root | $165 |
| Dairyland | $166 |
| Elephant | $169 |
| Freedom National | $171 |
| First Acceptance | $185 |
| Insurify Car | $185 |
| Liberty Mutual | $194 |
| Travelers | $206 |
| Farmers | $213 |
| Allstate | $215 |
| Mendota | $215 |
| Hugo | $221 |
| State Auto | $334 |
Liability coverage for senior drivers in Springfield averages $66 per month. Auto-Owners has the cheapest rates, at $40 per month, on average.
Springfield has a significant senior population, with nearly 20% of the city’s residents aged 65 and older, according to the U.S. Census Bureau.
As of July 1, 2026, Illinois drivers ages 79–86 no longer need to pass a driving test to renew their license. They’ll be able to renew in person after passing a vision test. But drivers 87 and older must pass an annual driving test to renew their license.[6]
The following table highlights companies with the cheapest rates for senior drivers in Springfield.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $31 |
| State Farm | $34 |
| Certainly | $46 |
| Country Financial | $47 |
| Progressive | $48 |
| Direct Auto | $49 |
| GEICO | $49 |
| Erie | $50 |
| The General | $52 |
| First Chicago | $55 |
| USAA | $56 |
| Mercury | $58 |
| American Family | $59 |
| National General | $60 |
| GAINSCO | $62 |
| Bristol West | $63 |
| Safeco | $63 |
| Elephant | $70 |
| Freedom National | $71 |
| Travelers | $75 |
| Dairyland | $76 |
| First Acceptance | $77 |
| Insurify Car | $77 |
| Clearcover | $79 |
| Farmers | $80 |
| Liberty Mutual | $86 |
| Allstate | $90 |
| Mendota | $90 |
| Hugo | $92 |
| Root | $94 |
| State Auto | $100 |
Below are answers to frequently asked questions to help you find the best car insurance in Springfield.
The average car insurance cost in Springfield is $120 per month. Liability-only coverage averages $80 per month, and full coverage costs $160, on average. Your rate depends on your vehicle make and model, your age, your driving record, and many other factors.
Auto-Owners has the lowest average auto insurance rates, at $40 per month for liability-only coverage. State Farm is a close competitor.
You can find low rates in Springfield by shopping around and getting free car insurance quotes from multiple companies. Many insurers offer car insurance discounts.
You may qualify for a good student or safe driving discount, especially if you complete a defensive driving course. You can also get a bundling discount if you buy your auto insurance policy and another coverage, such as renters, motorcycle, or homeowners insurance, from the same company.
Besides your age, vehicle make and model, and coverage choice, your car insurance rate can also vary by ZIP code. Some areas have higher crime rates and proximity to higher-traffic roads. Drivers in these areas often pay higher rates than in areas with fewer drivers and lower vehicle theft rates.
Only high-risk drivers with a history of license suspensions or insurance violations need to have SR-22 insurance, or financial responsibility insurance. If you need an SR-22, you’ll need to work with an insurer licensed in the state of Illinois to write SR-22 policies.
Insurify data scientists analyzed more than 250 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
25 years teaching risk management and insurance course
Former commercial lines underwriter
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.
