Finding the Best Car Insurance Quotes in Springfield, IL

As the capital and largest city of Illinois, Springfield is an important center of business, government, and transportation for the state. With many drivers on the roads, getting quality car insurance at a competitive rate is key. This article explores average insurance costs in Springfield and provides tips for securing the best auto insurance quotes.

Overview of Minimum Illinois Car Insurance Requirements

To legally operate a vehicle in Illinois, drivers must carry the following minimum liability coverage:

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

Uninsured and underinsured motorist bodily injury coverage must match your liability limits. Comprehensive and collision are not required but recommended.

Average Cost of Car Insurance in Springfield

The average annual cost of car insurance in Springfield is $1,015 for minimum coverage and about $1,790 for full coverage. However, your actual rates will depend on factors like your:

  • Age, gender, marital status
  • Driving record and credit score
  • Years licensed and annual mileage
  • Desired coverage levels and deductibles
  • Make, model, and age of vehicle

Getting quotes tailored to your driver profile is the best way to find the most accurate rate estimate.

Top Auto Insurance Companies in Springfield

Major national insurers that offer affordable rates in Springfield include:

  • State Farm
  • Allstate
  • Progressive
  • American Family

You’ll also find competitive rates from regional insurers like Country Financial. Ask local agents which companies offer the best prices in the Springfield market.

How to Get the Cheapest Car Insurance in Springfield

  • Shop around frequently: Quotes and discounts can change so compare options from new companies every 1-2 years.

  • Ask about discounts: Taking defensive driving courses, going paperless, paying annually, and bundling policies can lower premiums.

  • Raise deductibles: Opting for higher collision and comprehensive deductibles lowers rates but also increases out-of-pocket costs when filing claims.

  • Maintain a clean driving record: Avoiding accidents, traffic violations, and DUIs will keep your rates as low as possible.

  • Improve your credit score: In Illinois, having a poor credit score can increase your rates significantly.

  • Choose a lower-risk vehicle: Insuring a used sedan rather than a new luxury car or sports car can save on premiums.

  • Lower your mileage: Selecting lower annual mileage when getting quotes may help secure a lower rate.

Working With Local Agents

Partnering with a local independent insurance agency is recommended when shopping for Springfield coverage. They represent multiple insurers and can compare quotes across companies. Local agents also provide personalized advice for choosing the right types and amounts of insurance based on your specific situation.

Reputable agencies in the Springfield area include:

  • Lehman Insurance Group
  • Nordstrom Insurance
  • Richard & Sons Insurance
  • RFH Insurance Group
  • Bergman Insurance Group

Getting Springfield Car Insurance Quotes

Follow these steps when getting quotes:

  • Review the types of coverage you need and desired policy limits.
  • Compare rates from at least three auto insurance companies.
  • Provide the same driver, vehicle, and coverage information to each insurer.
  • Consider the insurer’s financial strength and customer service reputation.
  • Choose the policy that offers sufficient protection at the lowest overall cost.
  • Inform your agent of any changes that could impact your policy or premium.

The Takeaway

With some comparison shopping and smart selection of coverage, drivers in the Springfield area can secure quality auto insurance at competitive rates. Partnering with reputable local insurance agencies simplifies the process of tailoring protection to your budget and coverage needs.

How to get cheap car insurance quotes on your phone – Auto insurance


Who has the absolute cheapest auto insurance?

State Farm is the cheapest large auto insurance company in the nation for good drivers, according to NerdWallet’s 2024 analysis of minimum coverage rates. State Farm’s average annual rate was $471 or about $39 per month.

What is the cheapest full coverage insurance in Illinois?

Pekin offers the cheapest full-coverage car insurance in Illinois, with average costs of $66 per month and $792 per year. Country Financial also offers the cheapest minimum liability coverage in Illinois, at average costs of $23 per month and $281 per year.

Why is car insurance so expensive in Illinois?

The cost of uninsured drivers is passed on to consumers through higher premiums. Healthcare in Illinois is getting more expensive. Car insurance companies are hit hardest when paying out claims involving medical bills, and it’s not getting any cheaper.

What is the minimum full coverage car insurance in Illinois?

You are in compliance with the law if you have liability insurance in the following minimum amounts: $25,000 for injury or death of one person in a crash. $50,000 for injury or death of more than one person in a crash. $20,000 for damage to property of another person.

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