Best Cheap Auto Insurance in Springfield, IL (2021)

The average Springfield, IL auto insurance rates are $265 per month. The minimum auto insurance in Springfield is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Springfield, Illinois, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • The cheapest auto insurance company in Springfield is Liberty Mutual
  • Average auto insurance rates in Springfield, IL for senior drivers are $1,805 per year
  • The average commute length in Springfield is 17.7 minutes

Springfield, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Springfield can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Springfield, Illinois, including driving record, credit, commute time, and more.

Compare auto insurance in Springfield to other Illinois cities, including Rockford auto insurance rates, Chicago auto insurance rates, and Naperville auto insurance rates to see how Springfield, Illinois auto insurance rates stack up.

Before you buy Springfield, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Springfield, Illinois auto insurance quotes.

Minimum Auto Insurance in Springfield, Illinois

Springfield, Illinois auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Springfield, Illinois.

Minimum Required Auto Insurance Coverage in Springfield, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Springfield, Illinois Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Springfield, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Springfield, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,084 $3,098 $3,219 $3,219 $7,980 $10,369 $3,706 $4,004
American Family $2,229 $2,229 $2,042 $2,042 $6,326 $8,757 $2,229 $2,875
Farmers $2,359 $2,359 $2,090 $2,212 $10,254 $10,696 $2,696 $2,817
GEICO $1,740 $1,778 $1,682 $2,043 $5,638 $5,889 $2,194 $2,093
Liberty Mutual $1,314 $1,416 $1,089 $1,216 $4,449 $4,949 $1,375 $1,449
Nationwide $1,716 $1,744 $1,529 $1,617 $4,706 $6,029 $1,997 $2,161
Progressive $1,997 $1,873 $1,650 $1,734 $7,416 $8,307 $2,372 $2,554
State Farm $1,482 $1,482 $1,333 $1,333 $4,395 $5,567 $1,679 $1,936
Travelers $1,627 $1,716 $1,488 $1,586 $4,775 $6,002 $1,725 $1,817
USAA $1,611 $1,642 $1,497 $1,477 $5,168 $5,706 $2,121 $2,335

Cheap Springfield, Illinois Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Springfield, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Springfield, Illinois.

Annual Auto Insurance Rates for Teen Drivers in Springfield, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,980 $10,369
American Family $6,326 $8,757
Farmers $10,254 $10,696
GEICO $5,638 $5,889
Liberty Mutual $4,449 $4,949
Nationwide $4,706 $6,029
Progressive $7,416 $8,307
State Farm $4,395 $5,567
Travelers $4,775 $6,002
USAA $5,168 $5,706

Cheap Springfield, Illinois Auto Insurance for Seniors

What are senior auto insurance rates in Springfield, Illinois? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Springfield, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,219 $3,219
American Family $2,042 $2,042
Farmers $2,090 $2,212
GEICO $1,682 $2,043
Liberty Mutual $1,089 $1,216
Nationwide $1,529 $1,617
Progressive $1,650 $1,734
State Farm $1,333 $1,333
Travelers $1,488 $1,586
USAA $1,497 $1,477

Cheap Springfield, Illinois Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Springfield, Illinois compared to the annual auto insurance rates with a clean record in Springfield, Illinois.

Annual Springfield, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,463 $5,869 $5,465 $4,543
American Family $2,638 $3,755 $4,979 $2,992
Farmers $3,744 $4,831 $4,710 $4,456
GEICO $2,083 $2,775 $4,078 $2,592
Liberty Mutual $1,797 $2,552 $2,241 $2,039
Nationwide $2,170 $2,802 $3,290 $2,489
Progressive $2,869 $4,278 $3,182 $3,622
State Farm $2,185 $2,617 $2,401 $2,401
Travelers $2,060 $2,706 $3,017 $2,586
USAA $1,923 $2,759 $3,778 $2,319

Cheap Springfield, Illinois Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Springfield, Illinois is not easy. Compare the annual rates for DUI auto insurance in Springfield, Illinois to find the best deal.

Annual Auto Insurance Rates After a DUI in Springfield, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,465
American Family $4,979
Farmers $4,710
GEICO $4,078
Liberty Mutual $2,241
Nationwide $3,290
Progressive $3,182
State Farm $2,401
Travelers $3,017
USAA $3,778

Cheap Springfield, Illinois Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Springfield, Illinois annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Springfield, Illinois

Insurance Company Poor Fair Good
Allstate $6,166 $4,449 $3,890
American Family $4,772 $3,251 $2,750
Farmers $5,033 $4,240 $4,033
GEICO $4,633 $2,257 $1,757
Liberty Mutual $3,043 $1,908 $1,520
Nationwide $3,202 $2,591 $2,269
Progressive $3,972 $3,373 $3,119
State Farm $3,493 $2,090 $1,620
Travelers $3,159 $2,550 $2,068
USAA $3,592 $2,464 $2,029

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Cheap Springfield, Illinois Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Springfield, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Springfield, Illinois to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Springfield, Illinois

ZIP Code Average Annual Rates
62701 $3,263
62702 $3,165
62703 $3,290
62704 $3,129
62707 $3,114
62711 $3,059
62712 $3,101

Cheap Springfield, Illinois Auto Insurance Rates By Commute

Commute length and annual mileage affect Springfield, Illinois auto insurance. Find the cheapest annual Springfield, Illinois auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Springfield, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,835 $4,835
American Family $3,545 $3,637
Farmers $4,435 $4,435
GEICO $2,830 $2,934
Liberty Mutual $2,157 $2,157
Nationwide $2,687 $2,687
Progressive $3,488 $3,488
State Farm $2,340 $2,463
Travelers $2,490 $2,694
USAA $2,619 $2,770

Cheap Springfield, Illinois Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Springfield, Illinois? Check out the comparison of annual Springfield, Illinois auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Springfield, Illinois

Insurance Company Low Medium High
Allstate $4,689 $4,830 $4,985
American Family $3,453 $3,723 $3,598
Farmers $4,218 $4,329 $4,759
GEICO $2,622 $2,873 $3,151
Liberty Mutual $2,038 $2,153 $2,280
Nationwide $2,675 $2,710 $2,678
Progressive $3,170 $3,469 $3,824
State Farm $2,263 $2,406 $2,534
Travelers $2,430 $2,589 $2,757
USAA $2,519 $2,692 $2,873

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Best By Category: Cheapest Auto Insurance in Springfield, Illinois

Compare the cheapest auto insurance companies in Springfield, Illinois in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Springfield, Illinois

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

The Cheapest Springfield, Illinois Auto Insurance Companies

What auto insurance companies in Springfield, Illinois are the cheapest? Compare the top Springfield, Illinois auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Springfield, Illinois

Insurance Company Average Annual Rates
Allstate $4,835
American Family $3,591
Farmers $4,435
GEICO $2,882
Liberty Mutual $2,157
Nationwide $2,687
Progressive $3,488
State Farm $2,401
Travelers $2,592
USAA $2,695

What affects auto insurance rates in Springfield, Illinois?

There are a lot of reasons why auto insurance rates in Springfield, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Springfield, Illinois. Many local factors may affect your Springfield auto insurance rates.

Springfield Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Springfield, Illinois commute length is 17.7 minutes according to City-Data.

Springfield Traffic

How does Springfield, Illinois rank for traffic? According to Inrix Springfield, Illinois is the 830th most congested worldwide.

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Compare Springfield, Illinois Auto Insurance Quotes

Before you buy Springfield, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Springfield, Illinois auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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