Springfield, IL Auto Insurance (2024)
The average Springfield, IL auto insurance rates are $265 per month. The minimum auto insurance in Springfield is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Springfield, Illinois, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Springfield is Liberty Mutual
- Average auto insurance rates in Springfield, IL for senior drivers are $1,805 per year
- The average commute length in Springfield is 17.7 minutes
Springfield, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Springfield can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Springfield, Illinois, including driving record, credit, commute time, and more.
Compare auto insurance in Springfield to other Illinois cities, including Rockford auto insurance rates, Chicago auto insurance rates, and Naperville auto insurance rates to see how Springfield, Illinois auto insurance rates stack up.
Before you buy Springfield, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Springfield, Illinois auto insurance quotes.
Minimum Auto Insurance in Springfield, Illinois
Springfield, Illinois auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Springfield, Illinois.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Cheap Springfield, Illinois Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Springfield, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,084 | $3,098 | $3,219 | $3,219 | $7,980 | $10,369 | $3,706 | $4,004 |
| American Family | $2,229 | $2,229 | $2,042 | $2,042 | $6,326 | $8,757 | $2,229 | $2,875 |
| Farmers | $2,359 | $2,359 | $2,090 | $2,212 | $10,254 | $10,696 | $2,696 | $2,817 |
| Geico | $1,740 | $1,778 | $1,682 | $2,043 | $5,638 | $5,889 | $2,194 | $2,093 |
| Liberty Mutual | $1,314 | $1,416 | $1,089 | $1,216 | $4,449 | $4,949 | $1,375 | $1,449 |
| Nationwide | $1,716 | $1,744 | $1,529 | $1,617 | $4,706 | $6,029 | $1,997 | $2,161 |
| Progressive | $1,997 | $1,873 | $1,650 | $1,734 | $7,416 | $8,307 | $2,372 | $2,554 |
| State Farm | $1,482 | $1,482 | $1,333 | $1,333 | $4,395 | $5,567 | $1,679 | $1,936 |
| Travelers | $1,627 | $1,716 | $1,488 | $1,586 | $4,775 | $6,002 | $1,725 | $1,817 |
| USAA | $1,611 | $1,642 | $1,497 | $1,477 | $5,168 | $5,706 | $2,121 | $2,335 |
Cheap Springfield, Illinois Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Springfield, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Springfield, Illinois.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,980 | $10,369 |
| American Family | $6,326 | $8,757 |
| Farmers | $10,254 | $10,696 |
| Geico | $5,638 | $5,889 |
| Liberty Mutual | $4,449 | $4,949 |
| Nationwide | $4,706 | $6,029 |
| Progressive | $7,416 | $8,307 |
| State Farm | $4,395 | $5,567 |
| Travelers | $4,775 | $6,002 |
| USAA | $5,168 | $5,706 |
Cheap Springfield, Illinois Auto Insurance for Seniors
What are senior auto insurance rates in Springfield, Illinois? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,219 | $3,219 |
| American Family | $2,042 | $2,042 |
| Farmers | $2,090 | $2,212 |
| Geico | $1,682 | $2,043 |
| Liberty Mutual | $1,089 | $1,216 |
| Nationwide | $1,529 | $1,617 |
| Progressive | $1,650 | $1,734 |
| State Farm | $1,333 | $1,333 |
| Travelers | $1,488 | $1,586 |
| USAA | $1,497 | $1,477 |
Cheap Springfield, Illinois Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Springfield, Illinois compared to the annual auto insurance rates with a clean record in Springfield, Illinois.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,463 | $5,869 | $5,465 | $4,543 |
| American Family | $2,638 | $3,755 | $4,979 | $2,992 |
| Farmers | $3,744 | $4,831 | $4,710 | $4,456 |
| Geico | $2,083 | $2,775 | $4,078 | $2,592 |
| Liberty Mutual | $1,797 | $2,552 | $2,241 | $2,039 |
| Nationwide | $2,170 | $2,802 | $3,290 | $2,489 |
| Progressive | $2,869 | $4,278 | $3,182 | $3,622 |
| State Farm | $2,185 | $2,617 | $2,401 | $2,401 |
| Travelers | $2,060 | $2,706 | $3,017 | $2,586 |
| USAA | $1,923 | $2,759 | $3,778 | $2,319 |
Cheap Springfield, Illinois Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Springfield, Illinois is not easy. Compare the annual rates for DUI auto insurance in Springfield, Illinois to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,465 |
| American Family | $4,979 |
| Farmers | $4,710 |
| Geico | $4,078 |
| Liberty Mutual | $2,241 |
| Nationwide | $3,290 |
| Progressive | $3,182 |
| State Farm | $2,401 |
| Travelers | $3,017 |
| USAA | $3,778 |
Cheap Springfield, Illinois Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Springfield, Illinois annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,166 | $4,449 | $3,890 |
| American Family | $4,772 | $3,251 | $2,750 |
| Farmers | $5,033 | $4,240 | $4,033 |
| Geico | $4,633 | $2,257 | $1,757 |
| Liberty Mutual | $3,043 | $1,908 | $1,520 |
| Nationwide | $3,202 | $2,591 | $2,269 |
| Progressive | $3,972 | $3,373 | $3,119 |
| State Farm | $3,493 | $2,090 | $1,620 |
| Travelers | $3,159 | $2,550 | $2,068 |
| USAA | $3,592 | $2,464 | $2,029 |
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Cheap Springfield, Illinois Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Springfield, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Springfield, Illinois to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 62701 | $3,263 |
| 62702 | $3,165 |
| 62703 | $3,290 |
| 62704 | $3,129 |
| 62707 | $3,114 |
| 62711 | $3,059 |
| 62712 | $3,101 |
Cheap Springfield, Illinois Auto Insurance Rates By Commute
Commute length and annual mileage affect Springfield, Illinois auto insurance. Find the cheapest annual Springfield, Illinois auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,835 | $4,835 |
| American Family | $3,545 | $3,637 |
| Farmers | $4,435 | $4,435 |
| Geico | $2,830 | $2,934 |
| Liberty Mutual | $2,157 | $2,157 |
| Nationwide | $2,687 | $2,687 |
| Progressive | $3,488 | $3,488 |
| State Farm | $2,340 | $2,463 |
| Travelers | $2,490 | $2,694 |
| USAA | $2,619 | $2,770 |
Cheap Springfield, Illinois Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Springfield, Illinois? Check out the comparison of annual Springfield, Illinois auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,689 | $4,830 | $4,985 |
| American Family | $3,453 | $3,723 | $3,598 |
| Farmers | $4,218 | $4,329 | $4,759 |
| Geico | $2,622 | $2,873 | $3,151 |
| Liberty Mutual | $2,038 | $2,153 | $2,280 |
| Nationwide | $2,675 | $2,710 | $2,678 |
| Progressive | $3,170 | $3,469 | $3,824 |
| State Farm | $2,263 | $2,406 | $2,534 |
| Travelers | $2,430 | $2,589 | $2,757 |
| USAA | $2,519 | $2,692 | $2,873 |
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Best By Category: Cheapest Auto Insurance in Springfield, Illinois
Compare the cheapest auto insurance companies in Springfield, Illinois in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Liberty Mutual |
| Clean Record | Liberty Mutual |
| With 1 Accident | Liberty Mutual |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Liberty Mutual |
The Cheapest Springfield, Illinois Auto Insurance Companies
What auto insurance companies in Springfield, Illinois are the cheapest? Compare the top Springfield, Illinois auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,835 |
| American Family | $3,591 |
| Farmers | $4,435 |
| Geico | $2,882 |
| Liberty Mutual | $2,157 |
| Nationwide | $2,687 |
| Progressive | $3,488 |
| State Farm | $2,401 |
| Travelers | $2,592 |
| USAA | $2,695 |
What affects auto insurance rates in Springfield, Illinois?
There are a lot of reasons why auto insurance rates in Springfield, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Springfield, Illinois. Many local factors may affect your Springfield auto insurance rates.
Springfield Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Springfield, Illinois commute length is 17.7 minutes according to City-Data.
Springfield Traffic
How does Springfield, Illinois rank for traffic? According to Inrix Springfield, Illinois is the 830th most congested worldwide.
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Compare Springfield, Illinois Auto Insurance Quotes
Before you buy Springfield, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Springfield, Illinois auto insurance quotes.
Frequently Asked Questions
What types of auto insurance coverage are available in Springfield, IL?
In Springfield, IL, you can typically find the following types of auto insurance coverage:
- Liability coverage: This covers injuries and damages to others if you’re at fault in an accident.
- Collision coverage: This pays for damages to your vehicle caused by a collision, regardless of who is at fault.
- Comprehensive coverage: This covers damages to your vehicle from non-collision events such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance coverage.
How much auto insurance coverage do I need in Springfield, IL?
The amount of auto insurance coverage you need depends on several factors, including the value of your vehicle, your financial situation, and the level of risk you’re comfortable with. It’s generally recommended to carry liability coverage at least equal to the minimum requirements set by the state of Illinois, but higher coverage limits are often advisable to provide better protection.
What factors can affect my auto insurance premiums in Springfield, IL?
Several factors can influence your auto insurance premiums, including:
- Driving record: A history of accidents or traffic violations may result in higher premiums.
- Age and gender: Younger drivers, especially males, often pay higher premiums due to statistically higher accident rates.
- Vehicle type: The make, model, age, and safety features of your vehicle can impact your premiums.
- Coverage and deductibles: The types and levels of coverage you choose, as well as the deductibles you opt for, can affect your premiums.
Are there any discounts available for auto insurance in Springfield, IL?
Yes, insurance companies often offer various discounts to help reduce your auto insurance premiums. Some common discounts include:
- Multi-policy discount: Bundling your auto insurance with other policies, such as home insurance, can lead to discounted rates.
- Good driver discount: If you have a clean driving record without accidents or violations, you may be eligible for lower premiums.
- Good student discount: Full-time students with good grades can often qualify for discounted rates.
- Safety feature discounts: Installing safety devices like anti-theft systems or anti-lock brakes may make you eligible for lower premiums.
Can I use my auto insurance coverage in Springfield, IL if I’m involved in an accident in another state?
Yes, in most cases, your auto insurance coverage will still apply if you’re involved in an accident outside of Springfield, IL. However, it’s essential to review your policy and understand any limitations or variations in coverage that may exist when driving in different states. It’s advisable to contact your insurance provider to confirm the extent of your coverage while traveling or driving in other states.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.