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

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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.

Quick Facts

  • The average cost of car insurance in Springfield is $131 per month, or $1572 annually.
  • Car insurance in Springfield is $12 less than the average cost of car insurance in Illinois.
  • The cheapest car insurance provider in Springfield on average is Metromile, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Allstate
$67
State Farm
$79
Progressive
$108
Travelers
$110
Nationwide
$118

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!
Insurance Provider in SpringfieldQuotes
Allstate$67 /mo
State Farm$79 /mo
Progressive$108 /mo
Travelers$110 /mo
Nationwide$118 /mo

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Average Car Insurance Cost

Illinois Cities
Chicago$139/mo
Aurora$120/mo
Rockford$111/mo
Joliet$159/mo
Springfield$124/mo
Illinois$131/mo
Rockford
$111
Aurora
$120
Springfield
$124
Average for IL
$131
Chicago
$139
Joliet
$159
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Illinois

All motor vehicles operated or parked on Illinois roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Illinois[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Illinois is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $50,000 per accident for uninsured motorist bodily injury
  • $15,000 per accident for uninsured motorist property damage
  • $50,000 per accident for underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Illinois, drivers are required to purchase coverage for both uninsured and underinsured drivers for property damage and bodily injury.

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
View more

FAQs - Springfield, IL Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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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.

Insurify Insights

How Springfield Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Springfield, Illinois below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Springfield drivers measure up to their fellow motorists across Illinois in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

hyundai

Hyundai Sonata

Most Popular Car in Springfield

#4

City with the Most Speeding Tickets Rank in Illinois

#30

City with the Most Moving Violations Rank in Illinois

#1

City with the Most DUIs Rank in Illinois

#17

City with the Most Suspended Licenses in Illinois

  • 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 pay on average 47.01% more than drivers with a clean record
  • 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 pay on average 40.17% more than drivers with a clean record
  • 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 pay on average 54.7% more than drivers with a clean record
  • 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.

  • 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 pay on average 48.72% more than drivers with a clean record.
  • 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%
  • 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 pay on average 0% more than drivers with a clean record
  • 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%
  • 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%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Illinois Department of Transportation. "State Minimum Car Insurance." Accessed May 28, 2022