120+ more*Quotes generated for Insurify users in and around Springfield, Ohio within the last 10 days. Last updated on October 2, 2026. 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 October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
The average cost of car insurance in Springfield is $111 per month for full coverage and $64 per month for liability-only insurance. Premiums are cheaper in Springfield than in nearby Dayton or Columbus, Ohio’s most populous city. Springfield’s rates are similar to those of other small Ohio cities like Newark.
Car insurance rates in Springfield are relatively inexpensive compared to the overall average in Ohio. Springfield is more sparsely populated than Ohio’s major cities and doesn’t experience particularly heavy traffic congestion.[1] Fewer people on the road reduces the risk of accidents and car insurance claims.
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State Farm has the cheapest car insurance in Springfield, with an average monthly premium of $34 for Ohio state-minimum coverage. Mile Auto and Erie also offer cheap coverage in Springfield. Car insurance rates in Springfield are usually cheaper than the Ohio state average.
Ohio requires drivers to have bodily injury liability coverage and property damage liability coverage to pay for others’ injuries and property damage you cause in an accident.[2] But it doesn’t cover damage to your own vehicle or your medical expenses.[3]
If you have an auto loan, your lender may require you to have full coverage. Full coverage typically includes comprehensive and collision insurance.
Even if you own your car outright, Springfield has a higher-than-average motor vehicle theft rate, making comprehensive coverage important. Ohio also has a high number of uninsured drivers, so it’s a good idea to consider adding uninsured motorist coverage.[4]
The following table shows the cheapest liability-only and full-coverage car insurance rates in Springfield.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $34 |
| Mile Auto | $35 |
| Auto-Owners | $40 |
| Erie | $40 |
| Progressive | $40 |
| Commonwealth Casualty | $44 |
| GEICO | $44 |
| USAA | $44 |
| Safeco | $45 |
| The General | $47 |
| American Family | $49 |
| Certainly | $51 |
| Trexis | $55 |
| AssuranceAmerica | $58 |
| First Acceptance | $59 |
| Trexis One | $59 |
| Hugo | $61 |
| Allstate | $63 |
| GAINSCO | $63 |
| Direct Auto | $64 |
| Elephant | $65 |
| Bristol West | $69 |
| Clearcover | $69 |
| Dairyland | $73 |
| Root | $75 |
| Liberty Mutual | $77 |
| National General | $77 |
| Travelers | $81 |
| Farmers | $83 |
| Insurify Car | $103 |
| CSAA | $107 |
| State Auto | $115 |
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $56 |
| State Farm | $56 |
| Auto-Owners | $65 |
| Erie | $65 |
| USAA | $72 |
| Progressive | $74 |
| Safeco | $75 |
| GEICO | $76 |
| American Family | $80 |
| Allstate | $87 |
| Direct Auto | $90 |
| Elephant | $106 |
| AssuranceAmerica | $108 |
| Certainly | $112 |
| The General | $112 |
| National General | $114 |
| Commonwealth Casualty | $118 |
| CSAA | $125 |
| Root | $129 |
| Travelers | $132 |
| Farmers | $135 |
| Liberty Mutual | $135 |
| Trexis | $137 |
| Clearcover | $146 |
| GAINSCO | $146 |
| Bristol West | $153 |
| First Acceptance | $162 |
| Trexis One | $168 |
| Dairyland | $172 |
| State Auto | $188 |
Ohio car insurance is most expensive in large cities with high population density, like Columbus and Cleveland. More people on the road usually means a higher risk of accidents and claims. Rates are cheapest in smaller, more sparsely populated cities like Newark and Mansfield.
Springfield is among the cheaper Ohio cities for car insurance. Though the city has a higher motor vehicle theft rate than nearby Urbana or even Columbus, Springfield has a smaller population density. It also has relatively little traffic congestion and has a higher percentage of senior residents than larger Ohio cities, according to U.S. Census Bureau data. These factors keep rates affordable.
The following data shows the average monthly car insurance rates for each city in Ohio.
City | Average Monthly Quote |
|---|---|
| Newark | $84 |
| Mansfield | $85 |
| Elyria | $93 |
| Lancaster | $93 |
| Lorain | $93 |
| Canton | $94 |
| Hamilton | $100 |
| Youngstown | $100 |
| Dayton | $102 |
| Akron | $107 |
| Cincinnati | $113 |
| Cleveland | $116 |
| Toledo | $117 |
| Columbus | $120 |
| Maple Heights | $121 |
Heavy rainfall and winter weather can create dangerous driving conditions in Springfield. Slow down and increase your following distance if the roads are slippery from snow, sleet, or ice. If you encounter a flooded roadway, take an alternative route.[5] The city of Springfield provides citywide snow-removal services during inclement weather, prioritizing main thoroughfares.
Parking is free at the 99 Parking Garage and across the street at 68 W. Columbia St. The downtown garage also has electric vehicle (EV) charging stations. Tourists visiting nearby parks, trails, nature preserves, and the Clark County Fairgrounds increase traffic congestion in the summer months.
Local construction projects also affect traffic by restricting lanes on major roads in Springfield. You can check the Ohio Department of Transportation’s traffic advisories for Clark County for up-to-date information.
About 6% of Springfield drivers have a speeding ticket on their record, and 4% have an at-fault accident, according to Insurify data. Ohio uses a points system for traffic violations, and points stay on your record for two years with the Ohio Bureau of Motor Vehicles. But most insurers look at at least three years of your driving record when setting premiums, and some violations may affect your rates for longer.
The Clark County Sheriff’s Office makes an effort to reduce operating a vehicle while impaired (OVI) accidents. Law enforcement sometimes places checkpoints in Springfield to deter driving under the influence and flag vehicles with impaired drivers. About 1% of Springfield drivers have an OVI on their record, according to Insurify data.
The table below shows how OVIs, speeding tickets, and other violations affect average monthly premiums in Springfield.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $88 |
| Speeding ticket | $117 |
| At-fault accident | $125 |
| OVI | $128 |
Compare quotes from Ohio’s top insurers, starting at an average of $34 per month
Springfield’s population skews older than Ohio’s larger cities. Nearly 18% of Springfield residents are age 65 or older, according to the U.S. Census Bureau.[6] Senior drivers usually pay the lowest average auto insurance rates in Springfield. Older Ohio drivers with a clean record can also qualify for a discount by completing a certified accident prevention course.
On the other hand, teen drivers pay the highest premiums in Springfield because they typically have higher accident rates. On average, Springfield teens pay $137 per month for liability insurance. But some auto insurance companies offer more generous rates for teens than others, so it pays to compare quotes.
For example, State Farm charges an average of just $73 per month for Ohio teen drivers.
The following table shows the average liability-only car insurance rates by age in Springfield.
Age | Average Monthly Quote |
|---|---|
| Teens | $134 |
| 20s | $83 |
| 30s | $68 |
| 40s | $63 |
| 50s | $58 |
| 60s | $55 |
| 70+ | $57 |
*Quotes generated for Insurify users in and around Springfield, Ohio within the last 10 days. Last updated on October 2, 2026. 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 October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Check out these answers to common questions from Springfield drivers about Ohio auto insurance.
The average cost of car insurance in Springfield, Ohio, is $88 per month. Liability-only coverage averages $64 per month, and full coverage averages $111. But your premium depends on factors like your age, vehicle, driving record, and coverage choices.
There’s no single best car insurance company for every Springfield driver. The best company for you depends on your insurance needs. If you need a starting point, Erie and GEICO both have high Insurify Quality (IQ) Scores and offer cheap premiums in Springfield. State Farm offers the cheapest average rates in Springfield.
Many factors affect car insurance premiums in Springfield, including your age, marital status, location, driving record, and vehicle. The auto insurance company and coverage you choose, and the discounts you qualify for, will also affect your premium.
Insurance companies offer a variety of car insurance discounts in Springfield. Many insurers offer savings for bundling your auto insurance with your homeowners insurance. Older drivers may be eligible for a senior discount, and teens can qualify for a good student discount. Ask your insurance agent about your discount options.
All Ohio drivers must have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, plus $25,000 of property damage liability coverage. You must show proof of insurance at an officer’s request.
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:
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5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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