Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Springfield, IL for senior drivers are $1,805/year
  • The cheapest car insurance company in Springfield for teen drivers is Liberty Mutual
  • Average car insurance rates in Springfield, IL are $265/month

Average car insurance rates in Springfield, Illinois are $265 a month. But with a little research you can get a great deal from the top car insurance companies in Springfield, IL. Before you buy Springfield, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

It may even be helpful to compare Springfield car insurance rates with Naperville car insurance rates, Chicago car insurance rates, or Joliet car insurance rates to make sure you’re getting the best Springfield, IL car insurance quotes available.

Need affordable Springfield, IL car insurance? Enter your ZIP code to compare Springfield car insurance quotes from multiple car insurance companies near you.

Springfield, IL Minimum Car Insurance Coverage

Springfield, Illinois law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

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

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Springfield, IL Car Insurance Rates by Coverage Level

Some Springfield drivers can get by with the Illinois minimum coverage of 25/50/20. Other drivers may need more. See how much your Springfield, Illinois car insurance rates may be based on the coverage you need.

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

Springfield, IL Car Insurance Rates by Age, Gender, and Marital Status

Springfield, Illinois car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Springfield, IL car insurance, get quotes from multiple car insurance companies in the Springfield area and see how these criteria affect your 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

Springfield, IL Car Insurance Rates for Teens

How much is Springfield, Illinois car insurance for teens? Compare rates from top Springfield car insurance companies below to help find the cheapest teen car insurance in Springfield, IL.

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

Springfield, IL Car Insurance Rates for Seniors

Before seniors buy Springfield, Illinois car insurance, they should make sure to shop around. Some Springfield, IL car insurance companies may offer discounts or other savings options for senior car insurance.

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

Springfield, IL Car Insurance Rates by Credit History

How does your credit history affect Springfield, IL car insurance rates? Review the numbers here to find out.

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

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Springfield, IL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Springfield, Illinois car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Springfield.

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

Springfield, IL Car Insurance Rates With a DUI

Even a single DUI can increase your Springfield, IL car insurance rates. Compare rates below to see which Springfield car insurance company has the best rates for drivers with a DUI.

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

Springfield, IL Car Insurance Rates by ZIP Code

Just like Springfield car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Springfield, IL car insurance rates fluctuate by ZIP code.

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

Springfield, IL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Springfield, IL car insurance rates may be. Let’s take a look at average car insurance rates from top Springfield companies based on commute time.

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

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Springfield, IL Cheapest Car Insurance Rates

How do the top Springfield, Illinois car insurance companies’ average rates stack up against the Springfield average monthly car insurance rates of $265? Take a look and see.

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

Springfield, IL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Springfield, Illinois car insurance companies to help you find one that best fits 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

Other Factors Affecting Springfield, IL Car Insurance Rates

Before you buy Springfield, Illinois car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Springfield, IL Commute Time

How does your Springfield, IL commute time compare with the average driver? In Springfield, the average commute is 17.7 minutes.

Springfield, IL Traffic

Spending time in Springfield traffic can lead to higher car insurance rates. According to INRIX data, Springfield, IL ranks as the 830th-most congested with traffic in the world.

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Springfield, IL Car Insurance Quotes

Compare Springfield, IL car insurance quotes from multiple companies by entering your ZIP code now.