The best company depends on an individual's specific needs and driving habits. Country Financial is the cheapest for full coverage and for members of the military. Meanwhile, American Family can help drivers with at-fault accidents and DUIs save money, while Erie might suit those with speeding tickets better, as well as those who are laser-focused on service. Teens and families can get a good deal with Progressive and State Farm.
Cheapest and Best Car Insurance in Springfield, IL








Cheapest Minimum Liability Car Insurance in Springfield
Springfield's cheapest minimum coverage auto insurance providers are:
- Mercury: $236 per year
- Country Financial: $246 per year
Mercury also offers the cheapest car insurance in Illinois, at around $241 annually, just $5 more than Mercury’s average in Springfield as of October 2022. The most expensive option is from Travelers, with a minimum coverage premium of $483.
To meet the state of Ilinois’s minimum insurance requirements, a driver must carry liability insurance with the following limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage per accident
The state requires a relatively generous coverage that pays you up to $50,000 in bodily injury and property damage if an uninsured motorist is at-fault in the accident.
Cheapest Full Coverage Car Insurance in Springfield
The cheapest car insurance companies for a full coverage policy in Springfield are:
- Country Financial: $569 per year
- American Family: $645 per year
Hanover offers the most expensive car insurance in the city, with an annual premium of $1,165. As of October 2022, American Family is generally the cheapest statewide at around $696, followed by Country Financial at $708.
Full coverage includes comprehensive and collision insurance. It protects you against damage to your car on the road or at home.
- Collision Insurance: Covers car damage if you collide with an object or vehicle.
- Comprehensive Insurance: Covers non-collision accidents such as fire, vandalism and theft. This type of insurance protection is for aspects beyond a driver’s control.
Full coverage insurance may not be cost-effective for older, low-value automobiles. In some cases, the premium can cost more than the car is worth.
Cheapest Car Insurance in Springfield After a Driving Offense
If you have a documented driving offense in Springfield, the following companies provide the best auto insurance rates:
- Speeding ticket: Auto-Owners Insurance Co ($745 per year)
- At-fault accident: American Family ($760 per year)
- DUI: American Family ($775 per year)
Hanover has the highest premium after an at-fault accident or DUI, while Grange charges the most after a speeding ticket. High-risk drivers pay higher premiums than drivers with clean records, even with the cheapest insurers.
Premiums for those with violations tend to increase in relation to the severity of the offense. In Springfield, drivers with a speeding ticket will pay $202 more for insurance, while those with a DUI will see their premiums increase by an average of $564. It pays to search for the cheapest car insurance for drivers with records and compare costs.
Cheapest Car Insurance in Springfield for Teens and Their Families
The following companies offer the cheapest policies for those adding a teen to their family car insurance:
- Progressive: $1,818 per year for male teens and $1,689 per year for female teens
- Auto-Owners Insurance Co: $1,964 per year for male teens; State Farm: $1,695 per year for female teens
Travelers offers the most expensive auto insurance in the city at $2,716 for boys and GEICO at $2,239 for girls. Insurers consider male teen drivers high-risk and charge them higher rates than female teens. This disparity, however, starts to narrow as drivers reach early adulthood.
Purchasing an individual policy for a teen is typically more expensive than adding them to a family policy. In Springfield, it costs $2,565 to add a 16-year-old male driver to a family policy. A separate policy for the same teen costs an average of $5,131. Drivers are more likely to find cheap auto insurance for teens by shopping around and comparing quotes.
Cheapest Car Insurance in Springfield for Military Drivers
The Springfield, the following insurers provide the cheapest full coverage rates for military veterans and their families are:
- Country Financial: $596 per year
- American Family: $645 per year
Drivers should also consider USAA, at $848 per year for full coverage and $405 for minimum coverage. It's one of the most popular car insurance companies for military families and veterans. The cheapest minimum coverage policies are from Mercury ($236 per year) and Country Financial ($246 per year).
How to Compare Cheap Springfield Car Insurance Quotes Online
Getting a car insurance quote online in Springfield, Illinois, can take 15 minutes or longer and requires you to input a lot of personal information. Instead, you can use MoneyGeek’s auto insurance calculator to estimate your premiums quickly. You only need to enter your age, vehicle specifications, policy preferences and driving history.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
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Best Car Insurance in Springfield: Summary
The degree of importance you place on factors like price, service coverage, and other variables will determine which auto insurance policy is ideal for you. Springfield, IL, residents may wish to consider the following companies as their top picks:
- Best overall: Country Financial (MoneyGeek score 81 out of 100)
- Best for service: Erie (MoneyGeek score 70 out of 100)
- Best cheap: Country Financial (MoneyGeek score 80 out of 100)
Note that a company’s overall MoneyGeek score can change depending on how we weigh the factors in each category. Our analysis of Illinois’s best car insurance shows that Country Financial is also a great choice statewide.
Best Overall Car Insurance in Springfield
Springfield's top auto insurance providers are:
- Country Financial: MoneyGeek score 81 out of 100 ($596 per year)
- Auto-Owners Insurance Co: MoneyGeek score 78 out of 100 ($668 per year)
Country Financial's strongest points are its low prices and happy customers, which may sweeten the deal for people who aren’t in the position to spend much on insurance but still want great customer service.
How was this MoneyGeek score calculated?

pros
Affordable price point
Near-perfect customer satisfaction score
Glass deductible modification and portable electronics and media coverage
cons
Average claims handling score
No accident forgiveness or gap insurance
COMPANY HIGHLIGHTS
Although Country Financial offers few coverages, the company provides the essential ones important to most drivers, such as roadside assistance and rental car reimbursement. In addition, if you have Country Financial's safety glass coverage, for example, and your vehicle's windshield, headlight covers or car windows are damaged in a covered incident, you can replace them without paying your comprehensive coverage deductible.
Country Financial's personal effects coverage pays up to $800 if your cell phone, laptop or other personal items covered by the policy are stolen from your car. The company's The Keeper coverage pays for a brand-new car of the same make and model if yours is totaled in an accident. This coverage applies to calls up to four model years old.
Best Car Insurance in Springfield for Customer Service
The following companies offer the best customer service in Springfield when cost is not a consideration:
- Erie: MoneyGeek score 70 out of 100 ($705 per year)
- Westfield: MoneyGeek score 68 out of 100 ($743 per year)
Erie is highly regarded for its customer satisfaction and claims handling. It has relatively low premiums, so customers don’t necessarily pay more for good customer service.
How was this MoneyGeek score calculated?

pros
Strong customer satisfaction and claims management
Offers rental car coverage, accident forgiveness and gap insurance
cons
Limited coverages
Doesn’t offer roadside assistance or original equipment manufacturer (OEM) coverages
COMPANY HIGHLIGHTS
Erie lacks some coverages that you may consider essential, such as roadside assistance and OEM coverage, but it makes up for this by offering great customer service. The company has a near-perfect customer satisfaction score and gets high marks for its claims handling.
Erie’s rental car coverage ensures your transportation needs are covered when your car is in the shop for repairs due to a covered incident. If your car is totaled, the Lease Loan Protection will cover the difference between the car’s value and your auto loan’s balance.
The company’s accident forgiveness coverage can also encourage drivers to take fewer risks on the road. Its condition is simple and straightforward: If you have a claims-free driving record for three consecutive years, your rates won’t increase after your first at-fault accident.
Best Cheap Car Insurance in Springfield
The following companies are the best in Springfield, Illinois, based on an evaluation of premium cost and quality of service for policies that fulfill state minimum standards:
- Country Financial: MoneyGeek score 80 out of 100 ($246 per year)
- Westfield: MoneyGeek score 80 out of 100 ($259 per year)
Note that even though Springfield's cheapest minimum coverage insurance features inexpensive premiums, it provides inadequate protection against financial loss due to third-party liability or vehicle damage.
How was this MoneyGeek score calculated?

pros
An affordable minimum coverage policy costs $246 per year
Offers discounts such as anti-theft and driver’s education
Excellent customer support
cons
Coverage and claims administration may fall short of expectations
No airbag and new car discounts
COMPANY HIGHLIGHTS
Country Financial’s customer support and reasonable prices make it a popular choice. Drivers with offenses may also find that Country Financial can help them get adequate coverage without exorbitant premiums.
In addition to offering low rates, Country Financial has numerous discounts that allow drivers to save even more. For example, you can get a discount on your comprehensive car insurance if your vehicle has an alarm or anti-theft system. This will reduce the risk of theft and vandalism, saving you money in the long run. Country Financial also offers new drivers the chance to save money by completing its beginner driving course, Simply Drive.
You can score a discount if you get a quote from Country Financial before your current insurance expires. Nurses, firefighters, EMTs, paramedics and police officers qualify for a 5–10% discount.
Average Cost of Car Insurance in Springfield
Numerous variables affect the cost of auto insurance, including where you live. The typical annual premium for full auto coverage in Springfield is $753. This is about $141 cheaper than Illinois’s average cost of full coverage insurance and approximately $512 more affordable than the national average cost as of October 2022. These premiums are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and 100,000 in property damage liability per accident.
About Mark Fitzpatrick
