Compare the Cheapest Car Insurance Quotes in Springfield, IL

Car insurance in Springfield costs $806 per year on average, which is 28.9% cheaper than the state average. The cheapest car insurer is GEICO at $558 annually. MoneyGeek analyzed car insurance rates in Springfield based on coverage amounts and driving history. Our analysis will help you find the best combination of quality coverage and affordability in Springfield.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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GEICO has the cheapest full coverage and state minimum auto insurance in Springfield. It’s also the least expensive insurer for drivers with a speeding ticket. USAA is an alternative insurance company for veterans and current members of the military and their families. The best overall insurer in the city is Erie, which strikes a balance between affordability and excellent customer service.

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The Cheapest and Best Car Insurance in Springfield

The Cheapest Car Insurance Companies in Springfield

On average, the following insurance companies offer the most affordable, widely available full coverage car insurance in Springfield:

  • GEICO: $558 per year
  • Mercury: $609 per year

USAA auto insurance is a somewhat affordable option for former and current military and their families, with an average annual rate of $708.

The cheapest auto insurance in Springfield is from GEICO. At $558 per annum, it’s approximately 119% less than AAA's yearly premium of $1,223, the most expensive in the city. Comprehensive and collision coverage is typically included in a full-coverage policy. However, the cost of a full coverage plan varies depending on the amount of liability insurance you choose.

Cheapest Car Insurance in Springfield
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    GEICO
    $558
  • 2.
    Mercury
    $609
  • 3.
    Erie
    $651
  • 4.
    State Farm
    $669
  • 5.
    Country Financial
    $702
  • 6.
    USAA
    $708
  • 7.
    American Family
    $757
  • 8.
    Allstate
    $796
  • 9.
    Progressive
    $824
  • 10.
    Nationwide
    $859
  • 11.
    Travelers
    $928
  • 12.
    Farmers
    $932
  • 13.
    MetLife
    $978
  • 14.
    AAA
    $1,223

MoneyGeek's study bases its findings on quotes for a 40-year-old male driver with full coverage insurance, as described in our methodology.

While comprehensive and collision coverage are more expensive than state minimum liability coverage, a full coverage car insurance policy typically includes both. Drivers who have car loans will often be required to purchase full coverage to ensure they can pay off their loans in the event of an accident.

  • Collision Insurance: It pays to repair damages to your vehicle if you hit another car or a stationary object.
  • Comprehensive Insurance: It protects against repair expenses if your car is damaged by non-collision events, such as fire, vandalism or hailstorms.

If you own an older vehicle, full coverage auto insurance premiums may add up to more than your car’s replacement value. Older car owners looking to save money may choose liability-only or state minimum insurance.

Compare Car Insurance Rates in Springfield

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Springfield for Minimum Coverage

Minimum coverage policies are the least expensive kind of car insurance. The cheapest insurers for minimum coverage in Springfield are:

  • GEICO: $274 per year
  • Mercury: $299 per year

If you are on active duty or a veteran, USAA is also an option. They offer similar insurance coverage for roughly $311 annually, but only service military members and their families.

GEICO's state minimum policy is $306 cheaper than AAA's, which is about $580 annually. Minimum coverage policies have the cheapest rates but also the lowest coverage limits. They don't include collision and comprehensive insurance, so you risk not being fully covered.

Use the table below to see how your premiums might change if you choose higher liability limits.

Cheapest Minimum Liability Car Insurance in Springfield
State Minimum

In Illinois, drivers must have 25/50/20 minimum state insurance. This is the cheapest vehicle insurance available. While your premium will be lower, the amount you may have to pay out in an accident can be much higher.

For instance, if you are responsible for an accident and the other driver's medical expenses are $35,000, your insurance will only cover up to $25,000. The remaining $10,000 in medical bills will be your responsibility to pay.

Illinois Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.

Cheapest Car Insurance in Springfield if You Have Driving Violations

Your driving record affects your car insurance premiums. Violations such as speeding citations, at-fault accidents, and DUIs usually increase insurance premiums, which increases can be significant.

These insurance companies in Springfield offer the most affordable auto insurance rates on average for drivers with violations:

  • Cheapest after a ticket: GEICO, $672 per year
  • Cheapest after an at-fault accident: State Farm, $793 per year
  • Cheapest after a DUI: State Farm, $731 per year

If you have any violations on your driving record, you can reduce your insurance premiums over time by improving your driving history. In the meantime, compare insurance quotes to see which insurers in Springfield offer the cheapest car insurance for drivers with bad records.

Cheapest Car Insurance in Springfield With a Violation
Speeding Ticket

Average Cost of Car Insurance in Springfield

Springfield$806
Illinois$1,134
U.S.$1,424

The average cost of car insurance in Springfield is $806 per year. Compared to the state average of $1,134 per year, Springfield is roughly 28.9% cheaper. The average national rate is $1,424 per year, meaning that car insurance rates in Springfield are 43.4% cheaper than the national rate. You can compare car insurance rates for different states to find the average rate for your state.

Personalized Quotes to Get You the Cheapest Car Insurance in Springfield

Car insurance rates in Springfield vary depending on factors such as age, the make and model of your car, driving experience and other factors. Therefore, it is important to get a personalized quote that is customized to your needs. Getting personalized quotes frequently and comparing car insurance rates from different companies will also help you find discounts or rebates that you may be eligible for.

Compare Car Insurance Rates in Springfield

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Springfield

MoneyGeek recommends the best car insurance companies in Springfield based on a balance of affordability and quality of service. The top insurance companies on that basis for most drivers are:

  • Erie: MoneyGeek score of 95 out of 100
  • The Hartford: MoneyGeek score of 87.5 out of 100

USAA scored highest in MoneyGeek’s internal rating system with 100. Their policies, however, are not widely available to the general public. Only veterans, military members and their families can purchase car insurance from USAA.

MoneyGeek evaluated multiple criteria to arrive at these final scores of 100, including user satisfaction, financial stability and affordability ratings from data analytics and consumer intelligence company J. D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Erie
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
Hartford
Score:87.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
Auto-Owners Insurance Co
Score:87.5

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
GEICO
Score:87.5

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Cincinnati Insurance Companies
Score:87.5

3/5

Affordability

5/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

8
State Farm
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

9
Nationwide
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Progressive
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Allstate
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

15
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

16
MetLife
Score:80

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

17
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

18
Hanover
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

19
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

20
AAA
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

21
Safeco
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Your ZIP code is one of the factors that will impact your car insurance premiums. People in areas with higher accident rates and more car thefts will typically pay more than those in areas with fewer claim incidences.

In Springfield, the most expensive ZIP code for car insurance is 62702, which costs an average of $812 yearly. This rate is marginally higher than the safest ZIP code, 62704, which costs $801 yearly. You can find the cost for your location by comparing car insurance quotes.

  • Zip Code
    State Minimumper year
  • 62704
    $801
  • 62702
    $812

Factors That Impact Insurance Costs in Springfield

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Springfield. How Springfield ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities132nd/300
handcuffs2 icon
Most Car Thefts139th/300
uninsured icon
Most Uninsured Motorists by State18th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall130th/300
umbrella icon
Most Rainy Days110th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Springfield are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.