Cheapest and Best Car Insurance Companies in Springfield, IL

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.