Cheap Auto Insurance Quotes in Springfield, IL (2023)

Tanveen Vohra
Written byTanveen Vohra
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Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.
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Olivia Oksenhorn
Edited byOlivia Oksenhorn
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Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Learn more
Amber Benka
Reviewed byAmber Benka
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Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
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Updated August 31, 2022

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Table of contents

Table of contents

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

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.

See More:

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
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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
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.

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

For more detailed Illinois city level guides, check out these below.

FAQs - Springfield, IL Car Insurance

  • How does where I live affect my car insurance rates?

    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.

  • How can I get the cheapest car insurance in my area?

    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.

  • Who offers the cheapest car insurance in my area?

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

#23

City with the Most Speeding Tickets Rank in Illinois

#27

City with the Most Moving Violations Rank in Illinois

#66

City with the Most DUIs Rank in Illinois

#25

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 29 in the number of car accidents per driver across all cities in Illinois.

    • Rank within state: #29
    • Percent of drivers in Springfield with an accident: 9.6%

  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Springfield drivers rank 66 in the number of DUI’s per driver across all cities in Illinois.

    • Rank within state: #66
    • Percent of drivers in Springfield with a DUI: 1.1%

  • 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 25 in the number of reckless driving offenses per driver.

    • Rank within state: #25
    • Percent of drivers in Springfield with a reckless driving offense: 2.2%

  • 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 19 in rude driving infractions.

    • Rank within state: #19
    • Percent of drivers in Springfield with a reckless driving violation: 2.6%

  • 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 23 in the number of speeding infractions per driver.

    • Rank within state: #23
    • Percent of drivers in Springfield with a speeding ticket: 10.7%

  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Springfield drivers rank 109 in clean driving records across all cities in Illinois.

    • Rank within state: #109
    • Percent of drivers in Springfield with clean record: 75.5%

  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Springfield drivers rank 65 in hybrid and electric vehicle ownership across all cities in Illinois.

    • Rank within state: #65
    • Percent of drivers in Springfield with a hybrid/electric vehicle: 0.75%
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.

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Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Related articles

More cities in Illinois

Popular cities

Sources

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

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.

Learn More
Olivia Oksenhorn
Edited byOlivia OksenhornInsurance Writer
Photo of an Insurify author
Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Learn more
Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Icon of a woman
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Learn more

Compare Car Insurance Quotes Instantly

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