Car Insurance in Springfield
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Car Insurance in Springfield, IL
Springfield, Illinois: home to Abraham Lincoln, the state capital, and the horseshoe sandwich. Whether you're a Lincoln-loving local, serve in the state house, or are just passing through, you must have car insurance if you drive in Springfield.
Driving in Springfield is subject to the same laws that govern the rest of Illinois. Be mindful of where you park and read all applicable signage, and you should be just fine driving through Illinois' sixth-largest city. By the same token, you won't need additional car coverage in Springfield beyond the minimum amount required by the state of Illinois.
When you compare car insurance quotes in Springfield, you can pick the policy and price that best suits you. Prices vary based on your age, experience, driving record, and location — even down to your zip code. This page dives deeper into car insurance prices in Springfield, Illinois, to help you find the best car coverage for you.
How much is car insurance in Springfield, IL?
The total cost of auto insurance in Springfield can differ significantly depending on the coverage options you select. For a general guide, here are the average prices for the three most favored coverage types in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Springfield?
Evaluating and categorizing the insurance rates for each car make, model, and year in the city is a complex endeavor. However, if you're interested in newer vehicles that are known for their lower insurance costs, here are the top 10 most budget-friendly car makes and models to consider in Springfield:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Dodge Grand Caravan | $147 |
| 2 | Honda Cr-V | $153 |
| 3 | Jeep Cherokee | $153 |
| 4 | Subaru Forester | $154 |
| 5 | Ford Fusion | $155 |
| 6 | Kia Sol | $155 |
| 7 | Ford F-150 | $155 |
| 8 | Toyota Tacoma | $158 |
| 9 | Toyota Corolla | $159 |
| 10 | Kia Sedona | $160 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Assessing and sorting the insurance rates for every car make, model, and year in the city is a challenging task. However, if you are looking for newer vehicles that generally offer lower insurance premiums, here are the top 10 most economical car makes and models to consider in Springfield:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $163 | 0% |
| Not at-fault Accident | $170 | +4% |
| Driving with expired registration | $197 | +21% |
| Speeding Ticket | $202 | +24% |
| At-fault Accident | $246 | +51% |
| DUI | $293 | +80% |
| Hit and Run | $298 | +83% |
| Driving with a suspended license | $316 | +94% |
What car insurance discounts can I get in Springfield?
In Springfield, several discounts can help reduce your insurance costs. Below, these opportunities are ranked from the most to the least effective in terms of potential savings on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $141 | +$22 |
| Paid in Full | $153 | +$10 |
| Multi-Policy Renters | $155 | +$8 |
| Low Mileage | $157 | +$6 |
| Renewal discount | $158 | +$5 |
| Electronic Funds Transfer | $159 | +$4 |
| Paperless | $161 | +$2 |
| None | $163 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.