Compare Springfield, IL Car Insurance Rates (2021)

Car insurance in Springfield, IL averages $265 a month. Springfield, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Springfield car insurance rates, compare quotes from the top car insurance companies in Springfield, IL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Springfield, IL after a DUI are $3,714/year
  • The cheapest car insurance company in Springfield for teen drivers is Liberty Mutual
  • The cheapest ZIP code in Springfield is 62711

If you need to buy Springfield, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Springfield, IL is right here.

You’ll find Springfield car insurance rates, the cheapest Springfield, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Springfield, Illinois car insurance rates to Chicago car insurance rates, Joliet car insurance rates, and Peoria car insurance rates.

Ready to find affordable Springfield, IL car insurance today? Enter your ZIP code for fast, free Springfield car insurance quotes.

Cheapest Springfield, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Springfield, IL car insurance rates? Every Springfield, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Springfield, IL

Every driver must carry the minimum car insurance in Springfield, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car 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

Cheapest Springfield, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Springfield, IL. Compare credit history car insurance rates in Springfield from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Springfield, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Springfield, IL to rates for a clean record with top companies.

Annual Springfield, Illinois Car 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

Cheapest Springfield, IL Car Insurance for Teen Drivers

Teen car insurance in Springfield, IL can be expensive. Take a look at rates from the top car insurance companies in Springfield for teenagers.

Annual Car 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

Cheapest Springfield, IL Car Insurance for Seniors

Take a look at Springfield, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Springfield, IL Car Insurance Rates After a DUI

A DUI in Springfield, IL increases car insurance rates. Compare Springfield, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Springfield, Illinois

Insurance Company Annual Car 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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Cheapest Springfield, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Springfield, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

Cheapest Springfield, IL Car Insurance Rates by ZIP Code

Springfield car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Springfield, IL.

Annual Car 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

The Best Cheap Car Insurance Companies in Springfield, IL

Take a look at a side-by-side comparison of the top car insurance companies in Springfield, IL to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Springfield, Illinois

Find the cheapest car insurance companies in Springfield, IL for each category right here.

Best Annual Car 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

Cheapest Springfield, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Springfield car insurance rates. Find the cheapest Springfield, IL car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Springfield, Illinois?

What factors can have an impact on Springfield, IL car insurance? There are several reasons why Springfield car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Springfield, Illinois.

Commute Time in Springfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Springfield, IL is 17.7 minutes according to City-Data.

Traffic in Springfield

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Springfield, IL traffic data from INRIX ranks Springfield as the 830th-most congested in the world.

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Compare Car Insurance Quotes in Springfield, IL

Ready to find affordable Springfield, Illinois car insurance today? Enter your ZIP code for fast, free Springfield, IL car insurance quotes.

Free Car Insurance Comparison

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

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