Cheapest Car Insurance in Springfield (2026)

Springfield drivers can get minimum coverage for $32 monthly through Erie, while GEICO has the cheapest full coverage at $73 per month or $880 annually. These prices assume a clean driving record. Your age and driving record determine which insurer charges the lowest premium. Request quotes from at least three carriers to find your best rate.

Illinois drivers spend $48 monthly on minimum coverage, while Springfield residents pay $51. Full coverage shows a similar gap at $101 compared to the state's $97 average. Springfield's higher premiums stem from increased traffic congestion that leads to more accidents, plus severe winter storms and heavy rainfall that generate additional claims throughout the year. 

The city's vehicle theft rates also push costs above statewide levels. Springfield drivers find competitive rates by comparing quotes from multiple insurers.

Read more: Cheapest Car Insurance in Illinois

Springfield car insurance costs $73 to $201 monthly depending on age. Young drivers pay the highest premiums at $201 monthly, while adults pay $87 and seniors pay $112. Insurers charge young drivers more due to inexperience and higher accident rates.

Cheapest Springfield car insurance by age:

• Young drivers: Auto-Owners at $172 per month
• Adult drivers: GEICO at $73 per month
• Senior drivers: GEICO at $81 per month

Once drivers establish experience, age matters less for pricing. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Springfield young drivers pay the highest insurance costs, but Auto-Owners charges just $172 per month or $2,069 annually for full coverage. Drivers ages 16 to 25 pay these high rates because insurers view them as the riskiest group due to inexperience, higher accident rates and frequent traffic violations. 

Young drivers average $201 per month compared to $87 for adults, making their premiums more than double what experienced drivers pay.

Drivers save $59 per month by choosing Auto-Owners over Travelers at $231 per month. Adding young drivers to family policies costs less than separate coverage, but expect high rates until age 25.

Note: Teen drivers under 18 may have additional legal requirements and restrictions that vary by state.

Springfield seniors ages 65 and older maintain clean driving records after decades of experience. GEICO offers the most affordable full coverage at $81 monthly or $977 annually. 

Most insurers offer competitive rates for experienced senior drivers, though some companies increase premiums for drivers over 70 due to reaction time concerns. The five cheapest options average $112 monthly for Springfield seniors, $25 above the $87 younger adults pay. 

Choosing GEICO over Travelers at $128 monthly saves seniors $47 each month. Seniors save more through defensive driving courses or low-mileage discounts for driving under 7,500 miles annually.

Springfield adult drivers ages 26 to 64 get the most competitive insurance rates, with GEICO charging $73 monthly or $880 annually for full coverage. Insurers favor this age group because they have enough driving experience to avoid rookie mistakes and maintain lower accident rates than younger and older drivers.

Across Springfield's five most affordable insurers, adults average $87 monthly, the lowest of any age category. Shopping around pays off, as adults save $23 monthly by choosing GEICO over Erie's $96 monthly rate, the fifth-cheapest option. Maintaining clean driving records and bundling policies can push premiums even lower.

Violations increase Springfield insurance costs. Erie leads across all categories, charging $32 per month for minimum liability coverage with clean records, $35 for speeding tickets, and $66 for DUIs. Average monthly rates across the five cheapest insurers climb from $41 for clean records to $49 for speeding tickets, $58 for at-fault accidents, and $72 for DUIs. At-fault accidents push premiums higher because you've caused actual property damage or injuries, proving you're a higher risk to insurers. 

DUIs trigger the largest increases by combining dangerous behavior with legal consequences, placing you in insurers' highest-risk category and often requiring SR-22 filing. Speeding tickets create smaller bumps since they signal risky driving without proving you've actually crashed.

Springfield drivers pay $48 to $108 monthly for car insurance, depending on ZIP code, ranging from 62704 to 62712. Check the table below for your ZIP code's rate. In Springfield's most populous areas (ZIP codes 62703, 62704 and 62702), minimum coverage runs $101, $97 and $98 per month. 

These differences stem from neighborhood factors like crash rates, car theft, population density and uninsured driver numbers. Filter the table by your ZIP code to view your neighborhood's costs.

Springfield drivers can get competitive rates without sacrificing coverage.

Springfield drivers can lower their car insurance costs through discounts, proper coverage selection and understanding state requirements. This FAQ covers the most common questions about finding affordable coverage and choosing the right policy for your budget.

Springfield drivers pay some of Illinois' highest car insurance rates, with premiums varying across ZIP codes. Our research identified insurers offering the best rates for Springfield's urban driving conditions and diverse neighborhoods. Read more on MoneyGeek's auto insurance analysis methodology.