Best Cheap Auto Insurance in Springfield, OH (2021)

The average Springfield, OH auto insurance rates are $236 per month. The minimum auto insurance in Springfield is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Springfield, Ohio, 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: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Springfield, OH for senior drivers are $1,460 per year
  • The minimum auto insurance required in Springfield, Ohio is 25/50/25
  • The most expensive auto insurance company in Springfield for teen drivers is Liberty Mutual

Springfield, Ohio auto insurance requirements are 25/50/25 according to Ohio 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, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Springfield to other Ohio cities, including Cincinnati auto insurance rates, Toledo auto insurance rates, and Youngs auto insurance rates to see how Springfield, Ohio auto insurance rates stack up.

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

Minimum Auto Insurance in Springfield, Ohio

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

Minimum Required Auto Insurance Coverage in Springfield, Ohio

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

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

Auto insurance rates in Springfield, Ohio 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, Ohio

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 $2,036 $2,024 $1,837 $1,962 $5,695 $6,520 $2,137 $2,280
American Family $983 $1,019 $908 $910 $3,146 $3,412 $1,220 $1,285
Farmers $1,799 $1,795 $1,584 $1,672 $7,988 $8,296 $2,018 $2,108
GEICO $1,321 $1,285 $1,247 $1,257 $3,530 $3,282 $1,463 $1,237
Liberty Mutual $2,184 $2,383 $1,678 $2,040 $11,468 $12,954 $2,323 $2,539
Nationwide $2,243 $2,254 $2,024 $2,038 $5,766 $7,433 $2,404 $2,798
Progressive $1,622 $1,525 $1,351 $1,397 $7,289 $8,197 $1,943 $2,010
State Farm $1,548 $1,548 $1,389 $1,389 $4,906 $6,151 $1,801 $2,073
Travelers $1,429 $1,450 $1,424 $1,413 $6,153 $9,661 $1,492 $1,704
USAA $880 $887 $839 $837 $2,739 $3,046 $1,176 $1,269

Cheap Springfield, Ohio Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Springfield, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,695 $6,520
American Family $3,146 $3,412
Farmers $7,988 $8,296
GEICO $3,530 $3,282
Liberty Mutual $11,468 $12,954
Nationwide $5,766 $7,433
Progressive $7,289 $8,197
State Farm $4,906 $6,151
Travelers $6,153 $9,661
USAA $2,739 $3,046

Cheap Springfield, Ohio Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Springfield, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,837 $1,962
American Family $908 $910
Farmers $1,584 $1,672
GEICO $1,247 $1,257
Liberty Mutual $1,678 $2,040
Nationwide $2,024 $2,038
Progressive $1,351 $1,397
State Farm $1,389 $1,389
Travelers $1,424 $1,413
USAA $839 $837

Cheap Springfield, Ohio 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, Ohio compared to the annual auto insurance rates with a clean record in Springfield, Ohio.

Annual Springfield, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,569 $3,106 $3,659 $2,911
American Family $1,543 $1,633 $1,633 $1,633
Farmers $2,809 $3,618 $3,529 $3,674
GEICO $1,241 $1,790 $2,593 $1,686
Liberty Mutual $3,946 $5,062 $5,174 $4,603
Nationwide $2,700 $3,435 $4,359 $2,986
Progressive $2,728 $3,719 $2,906 $3,313
State Farm $2,365 $2,836 $2,600 $2,600
Travelers $2,272 $2,967 $4,477 $2,648
USAA $1,120 $1,503 $1,972 $1,241

Cheap Springfield, Ohio Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Springfield, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,659
American Family $1,633
Farmers $3,529
GEICO $2,593
Liberty Mutual $5,174
Nationwide $4,359
Progressive $2,906
State Farm $2,600
Travelers $4,477
USAA $1,972

Cheap Springfield, Ohio Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Springfield, Ohio

Insurance Company Poor Fair Good
Allstate $3,929 $2,865 $2,391
American Family $2,137 $1,458 $1,236
Farmers $3,859 $3,260 $3,103
GEICO $2,191 $1,828 $1,464
Liberty Mutual $6,732 $4,125 $3,232
Nationwide $4,069 $3,276 $2,765
Progressive $3,552 $3,075 $2,874
State Farm $3,706 $2,290 $1,805
Travelers $3,457 $3,008 $2,808
USAA $1,893 $1,341 $1,143

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Cheap Springfield, Ohio Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Springfield, Ohio

ZIP Code Average Annual Rates
45502 $2,612
45503 $2,705
45504 $2,691
45505 $2,750
45506 $2,756

Cheap Springfield, Ohio Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Springfield, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,062 $3,062
American Family $1,591 $1,630
Farmers $3,407 $3,407
GEICO $1,796 $1,859
Liberty Mutual $4,696 $4,696
Nationwide $3,370 $3,370
Progressive $3,167 $3,167
State Farm $2,536 $2,664
Travelers $3,091 $3,091
USAA $1,404 $1,514

Cheap Springfield, Ohio Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Springfield, Ohio

Insurance Company Low Medium High
Allstate $2,967 $3,056 $3,162
American Family $1,577 $1,622 $1,632
Farmers $3,228 $3,354 $3,641
GEICO $1,767 $1,819 $1,897
Liberty Mutual $4,524 $4,719 $4,845
Nationwide $3,723 $3,267 $3,121
Progressive $3,058 $3,142 $3,300
State Farm $2,475 $2,608 $2,718
Travelers $3,019 $3,130 $3,124
USAA $1,396 $1,458 $1,524

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Best By Category: Cheapest Auto Insurance in Springfield, Ohio

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

Best Annual Auto Insurance Rates by Company in Springfield, Ohio

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

The Cheapest Springfield, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Springfield, Ohio

Insurance Company Average Annual Rates
Allstate $3,062
American Family $1,610
Farmers $3,407
GEICO $1,828
Liberty Mutual $4,696
Nationwide $3,370
Progressive $3,167
State Farm $2,600
Travelers $3,091
USAA $1,459

What affects auto insurance rates in Springfield, Ohio?

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

Springfield Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Springfield, Ohio auto theft statistics, there have been 238 auto thefts in the city.

Springfield Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Springfield, Ohio commute length is 20.0 minutes according to City-Data.

Springfield Traffic

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

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Compare Springfield, Ohio Auto Insurance Quotes

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