Buy Cheap Springfield, IL Auto Insurance (2022)

Springfield, IL auto insurance rates average $265 a month. Minimum auto insurance requirements in Springfield, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Springfield, IL, compare Springfield auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Springfield, IL for teens drivers are $6,111/year
  • Average auto insurance rates in Springfield, IL are $265/month
  • Average auto insurance rates in Springfield, IL after a DUI are $3,714/year

Finding affordable Springfield, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Springfield, IL auto insurance with confidence is right here. Auto insurance rates in Springfield are affected by local factors as well as personal ones like your driving record.

See how Springfield, IL car insurance rates compare to Cicero auto insurance rates, Joliet auto insurance rates, and Peoria auto insurance rates before you read more about the cost of auto insurance in Springfield.

Don’t buy Springfield, IL auto insurance until you’ve compared rates. Get free Springfield, Illinois auto insurance quotes when you enter your ZIP code above.

Springfield, IL Minimum Auto Insurance Requirements

The required auto insurance in Springfield, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Springfield, Illinois is outlined here.

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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Find Cheap Springfield, IL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Springfield, IL. Take a look at Springfield, Illinois auto insurance rates by credit history.

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

Buy Cheap Springfield, IL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Springfield, Illinois auto insurance rates? Find out how car insurance rates in Springfield, IL are impacted by demographics.

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

Buy Cheap Springfield, IL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Springfield can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Springfield, IL are listed here.

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

Buy Cheap Springfield, IL Auto Insurance for Seniors

You can save on senior auto insurance rates in Springfield, Illinois by comparing Springfield senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Springfield, IL here.

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

Find Cheap Auto Insurance Rates in Springfield, IL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Springfield, Illinois auto insurance. Compare Springfield, IL 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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Find Cheap Springfield, IL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Springfield. Compare auto insurance rates in Springfield, IL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Springfield, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Springfield, IL Auto Insurance Rates by ZIP Code

Auto insurance rates in Springfield, Illinois can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Springfield, IL to see how much where you live in Springfield affects the cost of car insurance.

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

Find Cheap Springfield, IL Auto Insurance Rates by Driving Record

Auto insurance rates in Springfield, Illinois are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Springfield, IL, take a look at the average cost for various violations versus rates for a clean driving record in Springfield.

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

Find Cheap Springfield, IL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Springfield, Illinois is higher than for a clean driving record. You can buy auto insurance after a DUI in Springfield for less when you shop around and compare rates from multiple Springfield, IL auto insurance companies.

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Springfield, IL

Compare rates from the cheapest auto insurance companies in Springfield, IL for your needs. Take a look at how Springfield, Illinois auto insurance companies stack up for each category.

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

Find Cheap Springfield, Illinois Auto Insurance Companies

If you’re looking for the cheapest Springfield, IL auto insurance companies overall, you can compare them here. Find the best price for Springfield, Illinois car insurance by company.

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 Springfield, Illinois auto insurance rates?

Local factors affect auto insurance rates in Springfield, IL, including traffic, theft statistics, and commute length. Take a look at the things that impact Springfield auto insurance rates.

Commute Times in Springfield

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Springfield, IL is 17.7 minutes according to City-Data.

Traffic in Springfield

How is traffic in Springfield, Illinois? Inrix data shows that Springfield, IL traffic makes it the 830th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Springfield, IL

You can buy cheap Springfield, IL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Springfield, Illinois auto insurance quotes from top companies.

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