Best Cheap Auto Insurance in Springfield, Ohio (2024)

Mile Auto, Hugo, and State Farm are the cheapest insurers in Springfield.

John Egan
Written byJohn Egan
John Egan
John Egan
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John specializes in insurance, personal finance, real estate, and health and wellness. In 2022, he authored a guide on content marketing for beginners.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
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Updated May 27, 2024

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Cheapest recent rates near Springfield, Ohio

Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $43/mo for full coverage in Springfield and other Ohio cities.

*Quotes generated for Insurify users in and around Springfield, Ohio within the last 10 days. Last updated on May 27, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 27, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Springfield, Ohio within the last 10 days. Last updated on May 27, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 27, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Springfield residents pay less for car insurance than residents of many other Ohio cities. The average cost for a full-coverage policy in Springfield is $134 per month, compared to the state average $157. The city’s comparatively smaller size — it ranks 12th in population in the state — likely contributes to its lower car insurance costs.

Springfield was once known as the City at the End of the Road. Back in the 1800s, Congress authorized the construction of the National Road — the first U.S. highway built solely with federal dollars. The road eventually reached Springfield, but construction was halted there for 10 years due to a dispute over the route.

Yes, Springfield was literally the end of the road.

Today, a number of roads run through Springfield, including Interstate 70. And Springfield drivers who navigate these roads pay an overall average monthly cost of $98 for car insurance.

In this guide, you’ll see what goes into those rates and learn ways you can reduce your car insurance premiums as much as possible.

Quick Facts
  • Ohio requires motorists to carry liability insurance to drive legally in the state.

  • On average, Springfield motorists pay less for car insurance than other Ohioans do.

  • The Ohio Automobile Insurance Plan guarantees coverage for high-risk drivers.

Best car insurance companies in Springfield

State Farm, Mile Auto, and Erie Insurance are three of the best car insurance companies in Springfield, based on their attractive rates and overall value offerings. While you may ultimately choose to go with a different insurer, you can’t go wrong starting your search with any of these three.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$71$39Cheap rates
Mile Auto3.7$56$37Pay-per-mile
Erie Insurance4.6$83$45Customer satisfaction
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$33/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$61/mo

Founded in 1922, State Farm ranks as the country’s largest auto insurance company based on its market share. Car insurance represents about 60% of State Farm’s premiums. In 2022, the company posted revenue of $89.3 billion.

In Springfield, State Farm routinely offers some of the lowest rates for liability and full-coverage car insurance.

Pros
  • Well-known, well-established company

  • Top J.D. Power score among large insurers for satisfaction with car insurance shopping experience

  • Above-average J.D. Power score for satisfaction with auto insurance claims

Cons
  • Fewer discounts than some competitors

  • Higher-than-expected complaint index from the National Association of Insurance Commissioners (NAIC)

  • Rating of 1.8 out of 5 stars on Trustpilot review site

Read our State Farm review
Thomas - May 26, 2024
Verified

Service Quality?

There's no contact, they just raise prices.

Clarence - May 26, 2024
Verified

No Rating Yet

The monthly rate they quoted me is not what they promised. I will consider a better rate and am not going to accept this one.

Diane - May 26, 2024
Verified

Cost

The pricing is too high.

Best insurer for pay-per-mile coverage: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$31/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$48/mo

Mile Auto, founded in 2017, sells coverage in Ohio and 10 other states. Policyholders pay based on how much they drive, making it an appealing car insurance company for people who drive infrequently. This allows for control over a customer’s insurance spending that isn’t available from other insurers.

Pros
  • Low rates for drivers who rack up low mileage

  • No tracking devices required

  • Strong AM Best financial strength rating for insurance underwriter

Cons
  • Lower Insurify Quality Score

  • No discounts

  • Some consumer complaints about filing claims

Best insurer for customer satisfaction: Erie Insurance

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$71/mo

Erie Insurance has more than 6 million auto, home, and business insurance policies in effect in Ohio, 11 other states, and the District of Columbia. It’s the 12th-largest auto insurer in the U.S. Erie’s growth is due in part to its customer satisfaction, and the insurer ranks high in the region in this category, according to J.D. Power.

Pros
  • Highest score among regional car insurers in J.D. Power study of customer satisfaction

  • Rate Lock feature helps avoid rate increases

  • YourTurn driver-tracking app may save you money

Cons
  • No ability to buy a policy or file a claim online

  • No usage-based coverage

  • 2.4 out of 5 stars on Trustpilot review site

Read our Erie Insurance review
Lori - May 16, 2024
Verified

Great

The price for full coverage insurance is very good. You can't beat paying only $55 a month.

Rob - May 13, 2024
Verified

So far, beats the rest

Overall, excellent service.

Stephanie - May 13, 2024
Verified

Great if you don’t need them

I was with them for over a decade and they decided not to renew my policy because I used my roadside assistance twice a year.

How to get the cheapest car insurance in Springfield

Some of the factors that go into calculating car insurance rates are out of your control, like your age or gender. But you can do certain things to lower your car insurance rates in Springfield, like:

  • Compare quotes from at least three insurers.

  • Ask for a higher deductible. Raising the deductible from, say, $200 to $500 should result in a lower auto insurance premium.

  • Bundle your coverage. Many insurers offer discounts if you buy two or more kinds of insurance from them, such as car insurance and homeowners insurance.

  • Ask about discounts. Insurers offer an array of discounts, including those for earning good grades and being a loyal customer.

  • Maintain a driving record free of accidents and traffic violations.

  • Look at buying a less expensive type of car that costs less to insure.

Cheapest liability-only car insurance in Springfield: Mile Auto

Liability coverage features bodily injury and property damage liability insurance, which is required in most states, including Ohio. Bodily injury liability pays the medical expenses for other people’s injuries in an accident you cause. Property damage liability pays to repair damage to other people’s property when an accident is your fault.

Ohio requires motorists to carry bodily injury coverage and property damage liability coverage or to provide proof of financial responsibility.

On average, Springfield drivers pay $62 per month for liability-only insurance. But, drivers can find the cheapest rates from Mile Auto for $31 per month.

Here, you can see a list of insurers offering the cheapest liability coverage in Springfield.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto31
Hugo33
State Farm33
Auto-Owners38
Erie38
GEICO42
Safeco42
USAA43
American Family48
Midvale Home & Auto48
Clearcover49
Elephant49
Nationwide49
Progressive55
Commonwealth Casualty62
Liberty Mutual62
The General63
National General65
Dairyland66
Direct Auto72
Allstate73
GAINSCO74
CSAA77
Travelers79
Farmers81
State Auto91
Root95
Bristol West104
Foremost117
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Liability Insurance in Springfield

Cheapest rates starting at $31/month

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Cheapest full-coverage car insurance in Springfield: Mile Auto

Liability-only coverage comprises just bodily injury liability and property damage liability insurance. Full-coverage car insurance includes these along with comprehensive and collision coverages.

Comprehensive coverage pays for damage to your car in a non-collision incident, such as damage caused by hail or a fallen tree. Collision coverage pays to fix or replace your car when it’s damaged in a crash.

Mile Auto offers the cheapest full-coverage insurance in Springfield for $48 per month.

Here, you can see a list of quotes for full-coverage insurance offered by insurers in Springfield.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto48
State Farm61
Safeco70
Auto-Owners71
Elephant71
Erie71
Clearcover78
GEICO78
USAA78
Midvale Home & Auto84
American Family88
Nationwide90
Progressive101
Hugo107
Liberty Mutual116
National General122
Direct Auto128
Allstate134
The General134
CSAA138
GAINSCO138
Root145
Travelers145
Farmers149
Commonwealth Casualty150
State Auto160
Dairyland178
Bristol West221
Foremost255
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Ohio

In Ohio, it’s against the law to drive a vehicle without coverage that meets the state’s minimum requirements. The guidelines for required minimum coverage are outlined here.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$25,000 per accident

However, your coverage can exceed the minimum state requirements if you so choose. Other types of insurance that you might consider include:

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision and comprehensive

    Collision coverage pays to fix damage to your car when you crash into a car or an object, like a utility pole or fence. Comprehensive coverage pays to fix non-collision damage to your car in an incident, such as a fire or flood. If you have a car loan or lease, you might be required to carry both kinds of coverage.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist

    Uninsured/underinsured motorist coverage pays to repair damage to your car and treat your injuries if you’re in an accident with a motorist who has no insurance or lacks adequate insurance. UI/UIM insurance can also pay for damages from a hit-and-run accident.

Cheapest Car Insurance Companies for High-Risk Drivers (2024)

Cheapest Car Insurance Companies for High-Risk Drivers (2024)

Cheapest car insurance for drivers with an incident

Incidents like speeding tickets, at-fault accidents, DUIs, and other serious traffic violations can dramatically affect your car insurance rates. Insurers view these incidents as risky behavior and hedge their bets against your needing to file a claim in the future.

In the sections that follow, you’ll see how different incident types can affect your car insurance rates in Springfield.

Find Cheap Car Insurance in Springfield

Rates start as low as $41 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

A speeding ticket can put you in a higher cost category when it comes to your car insurance. Insurify data shows that someone in Ohio pays an average of $134 a month for full-coverage insurance if they have a clean driving record. But when a speeding ticket shows up on an Ohioan’s driving record, that figure rises to an average of $199 a month.

Here, you can see the average monthly quotes offered by several insurers for drivers with a speeding ticket on their record.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto6844
State Farm8043
Auto-Owners9450
Safeco9456
Erie9651
Elephant10371
GEICO10356
USAA10357
Clearcover10465
Midvale Home & Auto11566
American Family11663
Nationwide12065
Progressive13473
Hugo14946
Liberty Mutual16990
Direct Auto17196
Allstate17796
National General17895
The General17984
CSAA187105
Travelers193105
Farmers196106
GAINSCO201108
Root203133
Commonwealth Casualty21890
State Auto230131
Dairyland23788
Bristol West290136
Foremost371170
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Hugo

On average, the cost of car insurance rises 26% following an at-fault accident, Insurify data shows. And in Ohio, an accident stays on your driving record for three years, meaning you could be paying more for insurance for a long time with an accident on your record.

Drivers with an at-fault accident in Springfield pay, on average, $94 for liability-only coverage and $203 for full coverage. Here’s a collection of average monthly quotes you can expect to receive with an accident on your record in Springfield.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm8345
Safeco9356
Elephant9666
Auto-Owners9752
Erie9953
GEICO10758
USAA10759
Clearcover11471
American Family12066
Midvale Home & Auto12269
Nationwide12568
Progressive14177
Hugo14344
National General16789
Liberty Mutual17493
Direct Auto180101
Allstate184100
GAINSCO18498
The General18888
CSAA198111
Travelers200109
Commonwealth Casualty20384
Farmers203111
Root211138
State Auto242138
Dairyland24491
Bristol West299141
Foremost382175
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI on your driving record can cost a lot when it comes to car insurance. In fact, Insurify data shows a DUI can bump up the cost of car insurance by close to 100%.

In Ohio, the term “operating a vehicle under the influence,” or OVI, substitutes for the term DUI. A first-time OVI offense in Ohio can lead to as much as a six-month jail term, a $1,075 fine, and a one- to three-year license suspension.[1]

Springfield drivers with an OVI conviction face an overall average rate of $168 per month for car insurance, compared to the overall average for drivers with a clean record of $98. The following table illustrates the cost of liability-only insurance for drivers with an OVI in Springfield.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto7448
State Farm10356
Safeco11971
Auto-Owners12064
Elephant12083
Erie12064
Clearcover13283
GEICO13271
USAA13273
Midvale Home & Auto14281
American Family14981
Nationwide15383
Progressive17193
Hugo18156
Liberty Mutual197105
National General207110
Direct Auto217122
Allstate227124
The General227107
CSAA234131
GAINSCO234125
Root246161
Travelers246134
Farmers253137
Commonwealth Casualty254105
State Auto271154
Dairyland302112
Bristol West375176
Foremost432198
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Hugo

Older drivers typically pay less for car insurance than young drivers. They normally get into fewer accidents than drivers younger than 25 do. Drivers in their 60s generally pay the lowest rates, but rates may go up when drivers reach their 70s.

If you’re a senior in Springfield, you can expect to pay an average rate of $88 for full coverage. Hugo offers the cheapest liability rates at $21 per month for coverage.

The table below shows the average quotes from area insurers.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Mile Auto3221
State Farm4223
Erie4725
Auto-Owners5027
Elephant5034
Safeco5030
GEICO5530
USAA5531
Clearcover5635
Midvale Home & Auto5732
Nationwide6032
American Family6133
Progressive6435
Hugo6721
Liberty Mutual8244
Direct Auto8849
National General8847
Allstate9652
CSAA9654
The General9846
GAINSCO10154
Travelers10155
Farmers10356
Commonwealth Casualty10644
Root10770
State Auto11062
Dairyland12847
Bristol West15875
Foremost17781
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Insurance companies typically charge higher rates to cover teen drivers because they lack on-the-road experience and run a greater risk of getting into a car accident. In Springfield, teens can expect to pay $235 per month for full coverage.

To reduce these rates and get the best deals on insuring a teen driver, you should:

  • Shop around for the most competitive rates and coverage.

  • Encourage your teen to maintain a clean driving record.

  • Look into discounts for good students.

  • Enroll your teen in a driver’s education course.

  • Let your teen drive a car with a good safety record.

  • Add your teen to your policy rather than putting them on a separate policy.

State Farm offers the cheapest liability rates in Springfield for teens at $55 per month.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm10255
Elephant11680
Erie11863
Auto-Owners12165
GEICO12165
USAA12870
Midvale Home & Auto14482
Safeco14587
Clearcover15094
American Family15283
Nationwide15283
Progressive18098
Hugo18457
Liberty Mutual213114
The General214101
Root219143
CSAA224125
National General225120
Allstate231126
Direct Auto231130
GAINSCO244131
Travelers258140
Farmers259141
Commonwealth Casualty263109
State Auto280159
Dairyland295109
Bristol West371175
Foremost446204
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What Are the Best Cars for Teens to Drive?

What Are the Best Cars for Teens to Drive?

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Springfield car insurance quotes by credit tier

Ohio allows car insurance companies to use a credit-based insurance score as one factor in setting rates. Insurers say this score, based on information from a driver’s credit history, can help predict the likelihood of a motorist filing an insurance claim.

A credit-based insurance score isn’t the same as a traditional credit score. A traditional credit score looks at a variety of factors to figure out how likely someone is to pay their debts. Nonetheless, drivers with excellent or good credit history tend to pay less for coverage than drivers with poor credit history. In the chart below, you can see the average quote you can expect to get in Ohio based on your credit score.

Rates by Credit Tier

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.

Is car insurance more expensive in Springfield?

Car insurance in Springfield costs less than the statewide and national averages, Insurify data shows. In Ohio, the average monthly quote is $115, compared with $98 in Springfield. Nationwide, the average is $160.

An array of factors make car insurance premiums vary from one location to another. For instance, a driver in an urban area with a high rate of car accidents or thefts might pay more for car insurance than someone in a suburban or rural area with lower rates for these incidents.

More cities in Ohio

The average monthly quote for full coverage in Springfield is considerably lower than in some other Ohio cities, like Hamilton and Toledo. As a result, it might be easier for you to find cheap car insurance in Springfield.

CityAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Cincinnati$183$85
Cleveland$191$88
Columbus$192$89
Dayton$172$76
Hamilton$168$82
Toledo$199$91
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.

Springfield car insurance FAQs

Looking for more information to help you find the most affordable car insurance in Springfield? The following answers can help.

  • How much is car insurance in Springfield, Ohio?

    The average rates for car insurance in Springfield are $62 for liability coverage and $134 for full coverage. This makes Springfield one of the more affordable cities of its size in Ohio.

  • Which companies have the cheapest car insurance rates in Springfield?

    Mile Auto has the lowest rates for liability-only car insurance at an average of $31 per month. Springfield drivers can also find affordable coverage with Hugo and State Farm, which have average monthly rates of $33 and $33 for liability coverage, respectively.

  • What are the best car insurance companies in Springfield?

    State Farm, Mile Auto, and Erie Insurance rank as three of the best insurers in Springfield. State Farm and Erie Insurance both have top Insurify Quality Scores of 4.4, and each is recognized for offering competitive rates and having outstanding customer satisfaction scores. Mile Auto’s unique business model invites you to pay for coverage only for the miles you drive. This can make coverage from Mile Auto incredibly affordable for drivers who drive fewer miles each year.

  • What factors affect the cost of car insurance in Springfield, OH?

    Several factors can affect the rate you pay for car insurance in Springfield, including your age, gender, marital status, credit, driving history, and area of residence. If you live in an area where accidents and crime are common, you may end up paying more for car insurance than drivers in areas where these are rare.

  • How much car insurance do you need in Ohio?

    To drive legally in the state of Ohio, you must carry insurance coverage that meets the state’s minimum requirements. This includes bodily injury liability coverage of $25,000 per person and $50,000 per accident. You must also carry property damage liability coverage of $25,000 per accident.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. NOLO. "Ohio Drunk Driving Laws and Penalties."
John Egan
John Egan

John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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