Cheapest and Best Car Insurance in Springfield, IL (2024)

In Springfield, Illinois, Mercury is the cheapest provider of minimum coverage car insurance. American Family is the most affordable for full coverage, and Progressive is the least expensive option for families with teens. Westfield stands out for its customer service, while American Family offers the best overall value, balancing price and service. The right insurer for you hinges on personal preferences and coverage needs.

MoneyGeek found that Mercury offers the cheapest car insurance option in Springfield, ensuring you keep your auto insurance expenses to a minimum.

• Mercury: $279 per year
• Country Financial: $328 per year

Grange Insurance has the most expensive minimum coverage policy in Springfield at $564 per year. This $285 difference in annual rates highlights the need to shop around for car insurance to find a rate that fits your budget and saves you money.

In Illinois cities, state law prescribes the minimum car insurance coverage required. Here are the mandated limits:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $20,000 property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

For example, if you have the minimum coverage and are liable for an accident, your policy could pay up to $25,000 for bodily injury to one person. If multiple people are injured, your coverage could extend to $50,000 but not more than $25,000 per person. Should costs exceed these limits, any excess would be your out-of-pocket responsibility. Remember, these figures represent the baseline of insurance protection — adequate for fulfilling legal requirements but perhaps not for complete peace of mind.

MoneyGeek found that American Family offers the cheapest full coverage car insurance in Springfield.

• American Family: $666 per year
• Country Financial: $777 per year

Hanover has the most expensive full coverage policy in Springfield, costing $1,816 per year — $1,150 more than American Family. This rate difference highlights the need to shop around; full coverage costs more because it provides more protection than just the minimum coverage required by law.

A full coverage car policy comes with increased liability limits. It also has both comprehensive and collision insurance for well-rounded protection:

• Collision Insurance: This insurance covers the costs of repairing your vehicle after a crash, whether it's a collision with another car or an inanimate object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This insurance is designed to handle repair costs for your vehicle in cases that don't involve a collision, such as theft, vandalism, damage due to harsh weather conditions or being hit by an animal like a deer.

For drivers with brand-new cars, selecting a full coverage insurance policy is a strategic move to protect your investment. On the other hand, owners of older cars should consider if the additional cost, potentially several hundred dollars more, aligns with the benefits; the enhanced protection may exceed the car's value. Assessing how much car insurance you require involves balancing more comprehensive coverage with higher premiums against the risk of being underinsured with lower coverage levels.

MoneyGeek found that American Family is the most affordable option for drivers in Springfield with a poor driving record who are looking for a full coverage policy. Here are the most competitive annual premiums for different infractions:

• Speeding Ticket: American Family ($802 per year)
• At-Fault Accident: American Family ($787 per year)
• DUI: American Family ($802 per year)

Hanover has the highest annual rates for these offenses: $1,816 after a speeding ticket, $2,787 after an at-fault accident and $2,983 after a DUI. These figures illustrate the significant variance in car insurance costs based on the seriousness of the offense, revealing a difference of $1,014 between the cheapest and most expensive options after a speeding ticket.

In Springfield and other cities, insurance premiums escalate in correlation to the severity of the offense — drivers with serious infractions face higher costs due to increased risk assessed by insurers. For example, in Springfield, a driver with a DUI can expect an average annual rate of $2,292, while someone cited for speeding might see premiums around $1,732. This substantial variance highlights why individuals with infractions should diligently compare insurance quotes, potentially unlocking significant savings and finding the most accommodating rates.

MoneyGeek found that Progressive provides the cheapest car insurance for teens in Springfield. Here are the two most affordable providers:

• Progressive: $1,689 per year for female teens and $1,818 per year for male teens
• State Farm: $1,695 per year for female teens; Auto-Owners: $1,964 per year for male teens

These rates cover a family with two parents and a teenager. Travelers has the most expensive policy for families with teens in Springfield, with an annual premium of $2,716 for male teens. The difference in annual rates between Progressive and Travelers for a male teen is a considerable $898, underscoring the importance of comparing options to find the most cost-effective coverage. This step is particularly essential when insuring higher-risk drivers like teenagers.

In Springfield and similar locales, teens seeking car insurance face stark contrasts in premium costs depending on the chosen policy structure. Opting for an individual policy can cost a teen an average of approximately $4,867 per year, while a family plan costs about $2,191 per year. The discrepancy in rates stems from the elevated risk insurers associate with teenage drivers, a group statistically prone to accidents. Given this heightened risk, individual policies for teens are expensive. They can also be challenging to secure, as providers may be hesitant to underwrite this high-risk demographic without the balance of an established family policy.

MoneyGeek found that American Family offers the cheapest car insurance for military backgrounds in Springfield. These are the two least expensive providers:

• American Family: $666 per year
• Country Financial: $777 per year

While USAA is more expensive than the top two options at $1,078 per year, it is well-regarded for excellent customer service designed to serve the unique circumstances of the military community.

Comparing car insurance rates in Springfield is the best strategy for savings. However, evaluating multiple providers can take over an hour.

MoneyGeek's car insurance calculator streamlines the process, honing in on crucial factors influencing car insurance rates. Input details like age, driving record, credit score and desired coverage to receive tailored rate estimates in moments.

Finding the best auto insurance for you hinges on your preferences for service, cost, coverage and other factors. MoneyGeek’s research has pinpointed Springfield's top car insurance providers for various needs using distinctive scoring systems for each category:

• Best overall: American Family (MoneyGeek score 85 out of 100)
• Best for service: Westfield (MoneyGeek score 82 out of 100)
• Best cheap: Westfield (MoneyGeek score 82 out of 100)

Westfield is the top provider for the best service and the best cheap categories. It is the leading choice for those prioritizing exceptional customer experience or seeking savings without major service compromises. American Family is the best overall and exemplifies a balance between solid service and affordability, making it an ideal choice for those desiring comprehensive value.

MoneyGeek found that American Family is the best car insurance option in Springfield, offering top-tier policies to drivers looking for protection on the road.

• American Family: MoneyGeek score of 85 out of 100 ($666 per year)
• Westfield: MoneyGeek score of 83 out of 100 ($956 per year)

American Family distinguishes itself primarily through its exceptional customer satisfaction and affordability, which are the most significant factors in its high MoneyGeek score. It is committed to offering comprehensive coverage and ensures policyholders receive excellent service and value for their annual premium. This score reflects the insurer's performance for a full coverage policy, underscoring its ability to meet the diverse needs and preferences of Springfield drivers.

MoneyGeek found that Westfield is the best option in Springfield for top-notch car insurance customer service. This commendation speaks directly to the company's robust performance in general satisfaction, exceptional claims handling and comprehensive coverages, without considering rates.

• Westfield: MoneyGeek score of 82 out of 100 ($956 per year)
• American Family: MoneyGeek score of 80 out of 100 ($666 per year)

Westfield distinguishes itself in Springfield’s competitive insurance market by offering a broad range of coverages and excelling in customer satisfaction and claims services. The company's high MoneyGeek score reflects its commitment to serving policyholders with a seamless customer experience, particularly in the critical phases of filing and resolving claims.

MoneyGeek found that Westfield is the best option in Springfield for drivers seeking the perfect mix of cost-effectiveness and quality service in their auto insurance experience. While affordability is a crucial aspect, the evaluation also incorporates customer satisfaction and claims handling to provide a comprehensive assessment.

• Westfield: MoneyGeek score of 82 out of 100 ($349 per year)
• Erie: MoneyGeek score of 82 out of 100 ($339 per year)

Westfield stands out in Springfield with a strong combination of affordability and customer satisfaction, making it an exceptional choice for a minimum coverage policy. The MoneyGeek score highlights these factors, ensuring customers receive a reasonable price and exemplary service.

In Springfield, the average cost of car insurance is $989 per year. Compared to the Illinois state average of $1,153, Springfield residents pay $164 less for car insurance. Illinois' average is lower by $628 than the national average of $1,781. These figures illustrate a significant variation in city, state and national average rates.

Various factors impact car insurance prices, and location plays a significant role. Regional variations in traffic volume, accident rates and auto theft patterns all contribute to location-based price differences. For instance, Chicago has the highest premium at $1,442 per year, $289 above the state average. On the other hand, Springfield is the city with the most affordable rate at $989 per year — a $164 difference from the state average. Notably, less populated, non-urban areas with lower traffic density may have even more reduced insurance rates.