In Springfield, the average monthly cost for full coverage car insurance is $84. Rates vary, with the cheapest at $79 and the most expensive at $258, depending on the policy details. To help drivers understand what they might pay, the table below shows average car insurance costs for different driver profiles.
Springfield, IL Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Springfield: Key Takeaways
In Springfield, Westfield, American Family, Auto-Owners and Hanover are among the most affordable car insurance providers, offering competitive rates for various driver profiles.
Westfield offers the cheapest minimum coverage at $25 per month, while American Family provides the most affordable full coverage at $55 per month.
On average, car insurance costs in your city are $37 per month for minimum coverage and $84 per month for full coverage, with rates varying based on driver profiles.
Car Insurance Quotes in Springfield, IL
| Young Drivers | $44 | $102 |
| Teens | No Data | $258 |
| Seniors | $36 | $78 |
| Drivers With a Speeding Ticket | $45 | $102 |
| Drivers With a DUI | $60 | $131 |
| Drivers With An Accident | $53 | $119 |
| Bad Credit | $61 | $142 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Springfield vs. State Average
Illinois
State Average Full Coverage Rate
$1,093
Springfield, IL
City Average Full Coverage Rate
$1,010Saved:$83 saved
This is 8% less expensive.
What Is the Average Car Insurance Rate in Springfield?
In Springfield, the average cost of full coverage car insurance is $1,010 per year, while state minimum coverage costs $443 annually. These rates are lower than the Illinois averages, where full coverage is $1,093 and minimum coverage is $488. Residents enjoy more affordable insurance options here.
| State Average | $483 | $1,064 |
| Springfield Average | $432 | $976 |
Cheapest Car Insurance Companies in Springfield
Even though premiums are rising, Springfield residents can still find affordable car insurance. Westfield offers the cheapest minimum coverage at $25 per month. For full coverage, American Family provides the best rate at $56 per month.
WHY CAR INSURANCE IN SPRINGFIELD IS CHEAP
Car insurance is cheap in Springfield due to factors like heavy traffic and a high number of claims. Statewide, costs are driven up by many uninsured drivers, frequent personal injury lawsuits and insurance fraud.
Cheap Car Insurance in Springfield
Westfield often offers the cheapest minimum coverage, but rates vary for each driver. To find affordable car insurance, get quotes from several providers. Below is a table with the cheapest rates for different driver profiles.
| Westfield | Minimum Coverage | $24 |
| American Family | Full Coverage | $56 |
| Auto-Owners Insurance Co | Teens | $159 |
| American Family | Young Adults | $47 |
| American Family | Seniors | $42 |
| Country Financial | Bad Credit | $70 |
| American Family | Drivers With a DUI | $51 |
| American Family | Drivers With An Accident | $50 |
| American Family | Drivers With a Speeding Ticket | $51 |
Car Insurance Rates in Springfield by Company
Car insurance costs vary, so compare Springfield providers for the best rates. Below, we detail the most affordable plans for minimum coverage and full coverage car insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Springfield
Westfield offers the cheapest minimum coverage auto insurance at $25 per month. Mercury follows closely with a rate of $26. See the breakdown of the cheapest options in the table below.
| Westfield | $25 | $12 |
| Mercury | $26 | $11 |
| Hanover | $30 | $7 |
| Erie | $30 | $7 |
| American Family | $31 | $6 |
| Auto-Owners Insurance Co | $31 | $6 |
| GEICO | $33 | $4 |
Cheapest Car Insurance Companies for Full Coverage in Springfield
American Family offers the cheapest full coverage car insurance in Springfield at $56 monthly. Below is a full list of providers and their rates.
| American Family | $56 | $29 |
| Auto-Owners Insurance Co | $70 | $14 |
| GEICO | $72 | $12 |
| Hanover | $72 | $12 |
| Travelers | $75 | $9 |
Car Insurance Companies in Springfield
To find affordable car insurance in Springfield, we suggest getting quotes from several local companies. American Family offers the cheapest rate at $517 annually and is also the best-rated with a MoneyGeek score of 83. Explore the table below for more options in your search.
| Westfield | 85 | $582 |
| American Family | 82 | $517 |
| Erie | 78 | $645 |
| Auto-Owners Insurance Co | 75 | $608 |
| Mercury | 70 | $679 |
| Country Financial | 66 | $552 |
| Hanover | 62 | $807 |
| GEICO | 57 | $617 |
| State Farm | 57 | $827 |
| Travelers | 54 | $687 |
| Grange Insurance | 51 | $848 |
| AAA | 47 | $843 |
| Allstate | 45 | $799 |
| Progressive | 44 | $842 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Springfield by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,516 per year for 40-year-olds and $1,433 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $2,071 | $-484 |
| 17 | $1,920 | $-333 |
| 18 | $1,618 | $-31 |
| 19 | $1,467 | $120 |
| 20 | $1,481 | $106 |
| 21 | $1,216 | $371 |
| 22 | $1,210 | $377 |
| 23 | $1,248 | $339 |
| 24 | $1,159 | $428 |
| 25 | $1,219 | $-81 |
| 40 | $976 | $162 |
| 65 | $933 | $204 |
Cheapest Car Insurance for Teens in Springfield
Progressive offers the cheapest overall car insurance for teens in Springfield at $134 per month, saving $14 compared to the state average. The table below also breaks down some of the most affordable providers for this age group.
| Progressive | $134 | $14 | $265 |
| Allstate | $144 | $3 | $245 |
| State Farm | $145 | $2 | $194 |
| Auto-Owners Insurance Co | $147 | $1 | $159 |
| Travelers | $153 | $-5 | $338 |
| GEICO | $162 | $-15 | $347 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Springfield
Westfield offers the best minimum coverage for young drivers at $29 per month, while American Family provides the most affordable full coverage at $60. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Westfield | Minimum Coverage | $28 |
| American Family | Full Coverage | $60 |
| American Family | Bad Credit | $84 |
| American Family | Drivers With a DUI | $55 |
| American Family | Drivers With An Accident | $54 |
| American Family | Drivers With a Speeding Ticket | $55 |
Cheapest Car Insurance Companies for Young Drivers in Springfield
American Family offers the most affordable auto insurance for young drivers at $47 per month. For more details, check out affordable auto insurance. The table below shows other companies with competitive rates:
| American Family | $47 | $27 |
| Country Financial | $64 | $10 |
| Hanover | $65 | $8 |
| Travelers | $66 | $7 |
| Auto-Owners Insurance Co | $67 | $6 |
| GEICO | $68 | $5 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Springfield
Mercury and Hanover offer the cheapest car insurance in the city, though rates vary by many factors. Below is a table showing the cheapest providers for various driver and coverage profiles that might suit your needs better.
| Westfield | Minimum Coverage | $26 |
| American Family | Full Coverage | $54 |
| Country Financial | Bad Credit | $67 |
| American Family | Drivers With a DUI | $50 |
| American Family | Drivers With An Accident | $50 |
| American Family | Drivers With a Speeding Ticket | $50 |
Cheapest Car Insurance Companies for Seniors in Springfield
American Family offers the cheapest monthly premium for seniors at $42 for both minimum and full coverage. Country Financial follows closely with a rate of $46 per month. The table below shows options from top car insurance providers for seniors in Springfield.
| American Family | $42 | $15 |
| Country Financial | $46 | $12 |
| Hanover | $48 | $9 |
| Auto-Owners Insurance Co | $50 | $7 |
| GEICO | $53 | $5 |
| Mercury | $56 | $2 |
| AAA | $57 | $0 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Springfield
When looking at high-risk driver profiles in Springfield, the cost of minimum coverage is $638, while full coverage is $1,456. Both are much lower than the state average of $1,998 for minimum and $3,982 for full coverage. Drivers with bad credit and DUIs pay the most for car insurance, while accidents and speeding tickets have less impact on rates.
| State Average | $699 | $1,579 |
| Springfield Average | $638 | $1,456 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Insurers typically consider minor driving incidents like a not-at-fault accident or speeding ticket for a few years. Serious offenses, such as a DUI, can impact your insurance for much longer and might require you to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Springfield
American Family offers the cheapest minimum coverage for drivers with a DUI at $429 per year. Progressive provides the most affordable full coverage at $1,269 annually. Check out the table below for more options on low-cost coverage.
| American Family | $36 | $67 |
| Progressive | $48 | $106 |
| State Farm | $45 | $106 |
| Hanover | $50 | $119 |
| Mercury | $39 | $127 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Springfield
American Family, Westfield, and Auto-Owners offer the most affordable car insurance for drivers with an at-fault accident in Springfield. Below, a table shows providers offering budget-friendly coverage for drivers with an at-fault accident.
| American Family | $35 | $66 |
| Auto-Owners Insurance Co | $42 | $91 |
| Erie | $42 | $121 |
| Westfield | $39 | $130 |
| Country Financial | $46 | $132 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Springfield
Westfield is the cheapest car insurance provider for drivers with a speeding ticket, offering a monthly rate of $29 for minimum coverage and $111 for full coverage. Check the table below to see how other providers charge drivers with a speeding ticket.
| American Family | $36 | $67 |
| Hanover | $30 | $72 |
| Auto-Owners Insurance Co | $35 | $79 |
| Erie | $32 | $98 |
| Westfield | $29 | $111 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Springfield
Mercury offers the most affordable rates for drivers with bad credit, with $38 for minimum coverage and $135 for full coverage. Hanover follows with $42 and $92, respectively. The table below shows other affordable options.
| Hanover | $42 | $92 |
| American Family | $55 | $100 |
| Country Financial | $45 | $112 |
| Mercury | $38 | $135 |
| Westfield | $46 | $168 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Springfield, IL
In the Land of Lincoln, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $20,000 for property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Imagine you're in a fender bender — these minimums help cover costs, ensuring you're not left footing a hefty bill.
Cheap Car Insurance in Springfield: Bottom Line
Westfield shines as Springfield's cheapest car insurance for minimum coverage, with American Family leading for full coverage. No matter your age or credit, you'll find providers with plans that suit your wallet. Remember, your policy must include Illinois's required liability and uninsured motorist cover. Compare providers to snag a deal that's both wallet-friendly and compliant with the Land of Lincoln's laws.
Springfield Auto Insurance: FAQ
This section provides quick answers to common questions about finding the cheapest and best car insurance options in Springfield.
What is the cheapest car insurance company in Springfield, Illinois?
Westfield offers Springfield's cheapest car insurance at $25 monthly, providing a potential $12 monthly savings on minimum coverage.
What is the best car insurance company in Springfield, Illinois?
American Family is the best car insurance provider in Springfield, Illinois, with a MoneyGeek score of 82 out of 100. For state minimum coverage, expect to pay around $517 annually.
How much does car insurance cost on average in Springfield?
The average cost of minimum coverage auto insurance in Springfield ranges from $36 to $61 per month.
Best Cheap Car Insurance in Springfield: Our Methodology
MoneyGeek conducted an analysis of Springfield auto insurance prices using data from the Illinois Department of Insurance and Quadrant Information Services.
Springfield Driver Profile
To assess the best and most affordable auto insurance options for Springfield residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Springfield
In assessing the car insurance quotes for Springfield, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Illinois's mandated liability insurance parameters:
The minimum coverage requirements in Illinois are:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $20,000 for property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Illinois providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Springfield
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Springfield.
For more details on how these ratings were calculated, refer to MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.