Cheapest Car Insurance in Springfield (2026)

Springfield drivers can secure minimum coverage for just $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. Age and violations determine which provider gives you the lowest premium, so requesting quotes from multiple carriers reveals your best available rate.

While Illinois drivers often spend $48 monthly on minimum coverage, 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. Despite these local challenges, Springfield drivers can still find competitive rates by getting quotes from multiple insurers.

Read More: The cheapest car insurance in Illinois

Springfield's car insurance rates vary widely across age groups, with costs ranging from $73 to $201 per month. Young drivers pay the highest premiums at $201 on average, while adults pay just $87 and seniors pay $112. The gap reflects insurers' concerns about young drivers' 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's young drivers pay the highest insurance costs, but Auto-Owners provides relief at $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's senior drivers ages 65 and older often maintain clean driving records after decades of experience, with GEICO offering the most affordable full coverage at $81 monthly or $977 annually. 

While most insurers recognize this experience with competitive rates, some companies slightly increase premiums for drivers over 70 due to slower reaction time concerns. Across the five cheapest options, Springfield seniors average $112 monthly, just $25 above the $87 that younger adults pay. 

By choosing GEICO over Travelers at $128 monthly, seniors save $47 each month. Additional savings are available through defensive driving courses or low-mileage discounts for drivers who travel fewer than 7,500 miles annually.

Springfield's adult drivers between ages 26 and 64 enjoy the most competitive insurance rates available, with GEICO charging just $73 monthly or $880 annually for full coverage. Insurers favor this age group because they've accumulated enough driving experience to avoid rookie mistakes while maintaining lower accident rates than both 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.

Springfield drivers pay much higher insurance costs once violations hit their record. 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 show the full story, climbing 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 see a wide range of monthly car insurance costs, from just $48 in ZIP code 62704 to $108 in ZIP code 62712. See your ZIP code's rate in the table below. For 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. Use the filter above to locate your ZIP and check what your neighborhood costs.

Springfield drivers can secure competitive rates without sacrificing the proper coverage they need.

Want to find affordable coverage in Springfield? This FAQ answers your questions about available discounts, state regulations and policy options. We'll help you secure coverage that works for your budget and make smart choices about your insurance.

Springfield drivers pay some of Illinois's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Springfield's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.