In Springfield, Erie offers the lowest minimum coverage rate at $378 per year, while GEICO provides the most affordable full coverage at $880 annually. Other budget-friendly insurers in the city include Auto-Owners, Travelers and AAA.
Car Insurance in Springfield
Updated: November 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
Springfield's cheapest car insurance companies are GEICO, Auto-Owners and Erie, with savings up to 32% compared to the city average.
Monthly car insurance costs in Springfield average $101 for full coverage and $51 for minimum coverage.
To get the best cheap auto insurance in Springfield, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Springfield?
| GEICO | $33 | $73 | -32% |
| Auto-Owners | $34 | $76 | -29% |
| Erie | $32 | $96 | -18% |
| AAA | $55 | $93 | -5% |
| Travelers | $53 | $95 | -5% |
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Compare the Cheapest Springfield Car Insurance for You
Your car insurance rates depend heavily on your driving history and personal details, which means the cheapest company varies by driver profile. Check the table below to find the most affordable insurer based on factors like your age, driving record and credit score.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Auto-Owners | $98 | $1,179 | -39% |
| AAA | $101 | $1,214 | -37% |
| Travelers | $128 | $1,537 | -21% |
| GEICO | $137 | $1,639 | -15% |
| Country Financial | $137 | $1,648 | -15% |
Cheapest Car Insurance by Age Group in Springfield
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Springfield, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Erie (starting at $62 a month)
- Cheapest Car Insurance for Adults: Erie (from $32 a month)
- Cheapest Car Insurance for Seniors: GEICO (starting at $39 each month)
Cheapest Car Insurance for Young Drivers in Springfield
Erie and Auto-Owners provide the best car insurance rates for young drivers in Springfield. Erie averages $62 per month, while Auto-Owners averages $86.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Erie | $62 | $745 | -55% |
| Auto-Owners | $86 | $1,029 | -38% |
| GEICO | $94 | $1,129 | -32% |
| Country Financial | $105 | $1,259 | -24% |
| Travelers | $120 | $1,440 | -13% |
Cheapest Car Insurance for Adult Drivers in Springfield
In Springfield, Erie offers the lowest rates for adult drivers ages 26 to 64, saving them about 40% on average. GEICO and Auto-Owners also rank among the most affordable choices for this age group.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Erie | $32 | $378 | -40% |
| GEICO | $33 | $393 | -38% |
| Auto-Owners | $34 | $411 | -35% |
| Travelers | $53 | $641 | 2% |
| Country Financial | $54 | $651 | 3% |
Cheapest Car Insurance for Senior Drivers in Springfield
Seniors in Springfield pay the least with GEICO. Minimum coverage costs $39 per month or $470 annually, while full coverage costs $81 monthly or $977 per year.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| GEICO | $39 | $470 | -47% |
| Erie | $50 | $602 | -32% |
| Auto-Owners | $59 | $710 | -20% |
| Travelers | $73 | $880 | -1% |
| Country Financial | $74 | $886 | 0% |
Cheapest Car Insurance for High-Risk Drivers in Springfield
High-risk drivers in Springfield still have options for affordable car insurance from the following providers:
- Cheapest for Bad Credit: Erie (from $77 a month)
- Cheapest With a DUI: Erie (from $66 a month)
- Cheapest With an Accident: Auto-Owners (from $46 a month)
- Cheapest With a Speeding Ticket: Erie (from $35 a month)
Cheapest Car Insurance for Bad Credit in Springfield
Erie provides the lowest car insurance rates for drivers with bad credit in Springfield, averaging $77 a month for minimum coverage and $925 for full coverage.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Clean
| Erie | $77 | $925 | -46% |
| GEICO | $93 | $1,115 | -35% |
| Country Financial | $102 | $1,224 | -29% |
| Auto-Owners | $112 | $1,350 | -22% |
| Nationwide | $116 | $1,391 | -19% |
Cheapest Car Insurance With a DUI in Springfield
Erie and GEICO offer the most affordable car insurance rates for Springfield drivers with a DUI. Erie's minimum coverage plans cost 34% less than the city average.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Erie | $66 | $789 | -34% |
| GEICO | $68 | $820 | -31% |
| Auto-Owners | $74 | $882 | -26% |
| Travelers | $74 | $893 | -25% |
| Country Financial | $78 | $931 | -22% |
Cheapest Car Insurance With an Accident in Springfield
Drivers in Springfield with an accident record can find the lowest rates with Auto-Owners, starting at $46 per month.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Auto-Owners | $46 | $555 | -42% |
| GEICO | $49 | $589 | -38% |
| Erie | $50 | $603 | -37% |
| Travelers | $70 | $839 | -12% |
| Country Financial | $76 | $913 | -4% |
Cheapest Car Insurance With a Speeding Ticket in Springfield
Erie offers Springfield's cheapest car insurance for drivers with speeding tickets. Its minimum liability coverage costs $35 monthly, while full coverage with higher limits runs $85 per month.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Erie Insurance | $35 | $417 | -48% |
| Auto Owners | $39 | $468 | -41% |
| Geico | $41 | $494 | -38% |
| Travelers | $66 | $791 | -1% |
| Country Financial | $66 | $794 | 0% |
Best Car Insurance Companies in Springfield
Springfield's top-rated car insurance companies are Auto-Owners, Erie, GEICO, Travelers and AAA. These insurers stand out for providing an excellent balance of affordable rates, quality customer service and comprehensive coverage options.
| Auto-Owners | 95 | 2 | 1 | 6 |
| Erie | 92 | 3 | 2 | 3 |
| GEICO | 91 | 1 | 6 | 7 |
| Travelers | 85 | 5 | 3 | 5 |
| AAA | 81 | 4 | 5 | 7 |
Auto-Owners: Best Customer Service
pros
High customer satisfaction ratings
Several driver discounts available
Strong claims support through local agents
cons
Limited online tools
Fewer coverage options than larger insurers
COMPANY HIGHLIGHTS
Auto-Owners ranks first in Springfield for its excellent customer service and competitive pricing. It takes a personal approach to insurance, with local agents managing claims directly. Drivers in Springfield usually pay less than the city average for coverage. Auto-Owners also offers some of the lowest rates for drivers with older cars, speeding tickets or previous accidents.
Erie: Best Coverage Options
pros
Wide range of coverage options
Highly rated for customer service
Helpful support from local agents
cons
Fewer online tools available
Coverage limited to select states
COMPANY HIGHLIGHTS
Erie takes second place in Springfield by combining strong coverage options with quality service. The company offers more add-on coverages than most competitors while maintaining competitive rates below the city average. Young drivers particularly benefit from Erie's affordable rates. Local agents provide personalized support throughout the insurance process.
How Much Is Car Insurance in Springfield?
In Springfield, minimum coverage costs $51 per month or $614 per year, ranking 991st out of all Illinois cities for affordability. Full coverage averages $101 monthly or $1,213 annually, ranking 962nd among Illinois cities.
| Full Coverage | $101 | $1,213 |
| Minimum Coverage | $51 | $614 |
Compare Personalized Springfield Car Insurance Costs
While our previous breakdowns show average rates by single factors, this table lets you filter Springfield car insurance costs based on your age, driving record and other personal details.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| $168 | $2,012 | 2% |
Springfield Car Insurance Costs by ZIP Code
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.
Data filtered by:
62701
| 62701 | $50 | $101 |
How to Get the Best Cheap Springfield Car Insurance
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.
- 1Choose the Right Coverage
Decide how much protection makes sense for your situation in Springfield. Think about your car’s value, your savings and Illinois’ coverage requirements. You can also use our car insurance coverage calculator to get a personalized recommendation based on your needs.
- 2Explore Other Coverage Options
Check out other types of car insurance that could help you save money. If you don’t drive often, pay-per-mile coverage may be a smart choice. And if you don’t own a car, non-owner insurance could still give you the protection you need.
- 3Learn the Average Costs
Review the average vehicle insurance costs in Springfield to understand what’s reasonable. Knowing the usual rates for your age and vehicle type helps you spot fair pricing and avoid overpaying.
- 4Find Car Insurance Discounts
Take advantage of every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and defensive driving courses can also reduce your rates.
- 5Research Insurer Reputation
Look into how each company handles customer service and claims in central Illinois. Read customer reviews, check complaint records and review financial strength ratings.
- 6Compare Quotes From Several Insurers
Get quotes from at least three insurance companies. Visit their websites, call directly or connect with local Springfield agents. Since each insurer calculates rates differently, comparing quotes helps you find the best price.
- 7Review Your Policy Each Year
Set a reminder to go over your coverage once a year. Changes like moving, buying a new car, or improving your credit score may qualify you for lower rates. Regular reviews help you keep the best coverage at the right price.
Cheapest Car Insurance in Springfield: Bottom Line
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.
Cheap Springfield Car Insurance: FAQ
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.
What is the cheapest car insurance company in Springfield, Illinois?
Erie offers the lowest rates in Springfield, with minimum coverage at $378 annually. Rates vary by personal factors like age and driving history, so compare quotes.
Who offers the best car insurance in Springfield?
Auto-Owners leads Springfield's car insurance market with a MoneyGeek score of 95 out of 100, scoring three points higher than Erie. The company excels in both affordability and service quality.
What is the average cost of car insurance in Springfield?
In Springfield, Illinois, full coverage car insurance costs $1,213 annually, while minimum coverage averages $614. Your actual rates will vary based on individual factors.
Is car insurance in Springfield expensive?
Car insurance in Springfield costs more than average, ranking 991st for minimum coverage affordability and 962nd for full coverage compared to other Illinois cities.
How We Chose the Best and Cheapest Car Insurance in Springfield, IL
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
