Car Insurance in Springfield

Auto-Owners claims Springfield's lowest full coverage pricing at $915 per year, which is 29% below the city average of $1,213. GEICO follows at $880 per year for full coverage, providing another excellent option for central Illinois drivers.

For minimum coverage, GEICO charges $393 per year while Auto-Owners offers $411 per year. Springfield's competitive insurance market ensures drivers have access to multiple affordable carriers with strong financial ratings.

The presence of both national carriers and regional specialists creates favorable pricing dynamics. All top-performing insurers in Springfield maintain responsive claims handling and solid customer service operations.

Adult drivers in Springfield secure the lowest insurance rates while young drivers pay substantially more across available carriers. Erie Insurance offers adult drivers coverage at $378 per year, which is 40% below the city average for minimum coverage.

Senior drivers pay $470 per year through GEICO, representing a 24% increase over adult rates. Young drivers pay $745 per year through Erie Insurance, nearly double what adult drivers pay for identical coverage.

The age-based premium differences in Springfield reflect standard industry practices while remaining affordable compared to major metropolitan areas. Springfield's manageable traffic conditions and strong driver education programs help keep costs reasonable across all age groups.

Young drivers in Springfield get the most affordable car insurance from Erie, which offers minimum coverage at $62 per month. Auto-Owners follows at $86 monthly. Rates for drivers ages 16 to 25 are often higher due to limited driving experience and increased accident risk, but these insurers consistently provide lower-than-average premiums for young motorists across Springfield.

Adult drivers ages 26 to 64 pay the lowest rates with Erie, which charges about 40% less than the city average. GEICO and Auto-Owners also offer strong pricing for clean-record drivers. Springfield’s steady traffic flow and moderate urban density contribute to stable insurance costs, and these carriers stand out for delivering affordable and reliable coverage options.

Senior drivers in Springfield get the lowest rates through GEICO. Minimum coverage averages $39 per month, while full coverage costs $81 monthly. These premiums fall well below the city average for older drivers, making GEICO a strong choice for seniors seeking dependable protection at a manageable price.

High-risk drivers in Springfield can still find affordable coverage from several insurers. Erie leads in most categories by offering moderate surcharges for drivers with credit issues, DUIs, or speeding violations, while Auto-Owners provides the cheapest pricing for accident-related coverage.

• Bad credit: Erie from $77 per month
• DUI: Erie from $66 per month
• Accident: Auto-Owners from $46 per month
• Speeding ticket: Erie from $35 per month

Drivers with bad credit get the lowest rates from Erie, which charges $77 per month for minimum coverage and about $925 for full coverage. Erie’s rate structure is more forgiving than many insurers in Springfield, making it a strong choice for drivers who need affordable protection while managing credit challenges.

Erie provides the cheapest premiums for Springfield drivers with a DUI, offering minimum coverage rates about 34% below the city average. GEICO also delivers competitive pricing in this category. These insurers offer more manageable post-DUI increases compared to carriers that apply steep penalties for impaired driving violations.

Drivers with an at-fault accident pay the lowest premiums with Auto-Owners, which starts at $46 per month. This rate is well below average for the area and provides an affordable option for drivers seeking to maintain coverage after a surcharge.

Erie offers the cheapest rates for Springfield drivers with a speeding ticket. Minimum liability coverage costs $35 per month, while full coverage averages $85 monthly. These relatively low surcharges make Erie a strong option for drivers looking to control premium increases after a citation.

Auto-Owners secures Springfield's top position with a MoneyGeek score of 95 out of 100. Erie Insurance follows closely with a score of 92 out of 100.

Auto-Owners brings strong regional presence and excellent customer service through its network of independent agents. The company excels in claims satisfaction and maintains competitive pricing for central Illinois residents.

Erie Insurance offers comprehensive coverage options with flexible policy terms that appeal to diverse driver needs. Both insurers maintain exceptional financial strength ratings and demonstrate consistent performance in customer satisfaction surveys.

Annual premiums in Springfield average $614 for minimum coverage and $1,213 for full coverage. These rates fall below Illinois' statewide averages, making Springfield one of the state's more affordable insurance markets.

Erie Insurance and Auto-Owners consistently provide below-average premiums for Springfield residents, creating exceptional value opportunities. Central Illinois' moderate population density, lower crime rates compared to Chicago and well-maintained infrastructure all contribute to affordable insurance pricing.

Springfield's position as the state capital brings good roads and strong public safety resources. Local drivers maximize savings by maintaining clean records and taking advantage of multi-policy discounts.

In Springfield, car insurance rates by ZIP code range from $48 to $108 per month. ZIP code 62711 is the most expensive, while 62704 is the cheapest. Check the average rates for your ZIP code on the table below.

Springfield's car insurance rates run high, but you can lower your costs using these strategies. Learn how to lower your insurance costs without losing important protection.

Car insurance rates in Springfield depend on your age, driving record and credit score. GEICO and Auto-Owners offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.

Get straightforward answers about finding affordable car insurance in Springfield. Our FAQ section helps you understand coverage options and save money on the protection you need.

To help Springfield drivers find the most affordable auto insurance companies, MoneyGeek analyzed Springfield auto insurance rates based on data and information from the Illinois Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Springfield and hundreds of thousands of quotes for 12 companies offering auto insurance in Illinois to tailor options as closely as possible to you.

Springfield Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages in Springfield with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Springfield

MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.

The minimum coverage requirements in Illinois are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies in Springfield based on the following rating scale:

• Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
• Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
• Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.