Car Insurance in Springfield
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Understanding Car Insurance in Springfield
Illinois has over 8 million licensed drivers, making it one of the top states for car insurance. Whether you’re driving through Springfield’s historic downtown, commuting to the state capitol, or navigating I-55 during winter storms, having car insurance isn’t just required—it’s essential for financial protection.
Springfield is the capital city of Illinois with over 110,000 residents. Known for its Abraham Lincoln landmarks, government offices, and steady traffic, drivers in Springfield experience a mix of city streets and open suburban roads. From icy winters to busy government commutes, having the right car insurance in Springfield helps you stay covered no matter the road conditions.
The average cost of full coverage car insurance in Springfield is around $803 per year, making it one of the most affordable cities for auto insurance in Illinois.
Minimum Car Insurance Requirements in Springfield, IL
Illinois requires all drivers in Springfield to carry the following minimum liability coverage:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $20,000 per accident
- Uninsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident
This minimum coverage meets legal requirements but may not fully protect you after a serious accident. Many Springfield drivers opt for full coverage for better protection.
Recommended Car Insurance Coverage in Springfield
To protect your vehicle, finances, and medical expenses, many Springfield drivers choose these additional coverages:
| Coverage Type | What It Covers | Why It’s Important in Springfield |
|---|---|---|
| Collision Coverage | Your car’s repair costs after a crash | Useful for local intersections and icy roads |
| Comprehensive Coverage | Theft, hail, vandalism, and flooding | Ideal for unpredictable Illinois weather |
| Medical Payments (MedPay) | Hospital bills for you and passengers | Helps even if you have health insurance |
| Uninsured Motorist (UM) | Costs from uninsured or underinsured drivers | Illinois has a fair share of uninsured drivers |
Penalties for Driving Without Insurance in Springfield
Driving without valid car insurance in Springfield can lead to:
- A minimum $500 fine for first-time offenses
- Suspension of license plates
- Reinstatement fees up to $1,000 for repeat violations
- Vehicle impoundment in severe cases
Stay protected and avoid penalties by carrying active coverage and keeping proof of insurance with you.
Average Car Insurance Cost in Springfield, IL
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $350 |
| Full Coverage | $803 |
Springfield has some of the lowest average car insurance rates in the state, making it a great location for budget-conscious drivers.
Cost by Age Group
| Age | Average Annual Cost |
|---|---|
| 16-20 | $4,800+ |
| 21-25 | $2,250 |
| 26-35 | $1,350 |
| 36-50 | $1,100 |
| 51+ | $980 |
As expected, younger drivers pay more. However, rates drop significantly with age and a clean driving record.
Springfield vs. Other Illinois Cities: Cost Comparison
| City | Full Coverage | Minimum Coverage |
|---|---|---|
| Chicago | $1,234 | $527 |
| Aurora | $858 | $403 |
| Rockford | $857 | $382 |
| Elgin | $881 | $413 |
| Joliet | $954 | $441 |
| Naperville | $829 | $398 |
| Peoria | $818 | $370 |
| Springfield | $803 | $350 |
| Champaign | $1,109 | $472 |
| Decatur | $1,179 | $489 |
| Bloomington | $1,055 | $460 |
| Wheaton | $895 | $405 |
| Cicero | $1,210 | $510 |
| Evanston | $1,165 | $492 |
| Schaumburg | $1,135 | $480 |
Springfield ranks among the most affordable cities in Illinois for both full and minimum coverage.
Best Car Insurance Companies in Springfield
Here are top-rated providers offering great rates and service in Springfield:
| Company | Best For | Full Coverage Estimate |
|---|---|---|
| GEICO | Low-cost coverage | $780 |
| State Farm | Reliable agent support | $800 |
| Progressive | Flexible options | $850 |
| Erie Insurance | High customer satisfaction | $820 |
| Auto-Owners | Good driver discounts | $795 |
Be sure to compare at least 3–5 quotes to get the best rate based on your needs and ZIP code.
Factors That Affect Car Insurance Rates in Springfield
Your premium is affected by several factors, including:
- Driving Record: Tickets, accidents, and DUIs increase rates
- Age & Gender: Young drivers and males typically pay more
- Vehicle Type: Newer and luxury vehicles cost more to insure
- ZIP Code: Areas with more claims or crime may cost more
- Credit Score: Better credit often results in lower rates
- Mileage: More miles driven increases your premium
- Coverage Level: More protection = higher premium
- Claims History: Past claims may lead to higher rates
How to Save on Car Insurance in Springfield
Try these strategies to lower your premium:
- ✅ Bundle home and auto policies
- ✅ Take a defensive driving course
- ✅ Raise your deductible
- ✅ Ask for discounts (good student, safe driver, low mileage)
- ✅ Compare quotes regularly—every 6–12 months
Get a Free Car Insurance Quote in Springfield Today!
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Here Is A List Of Important FAQS
Illinois requires 25/50/20 liability and uninsured motorist coverage.
The average cost is about $803 per year.
Lower accident and theft rates contribute to more affordable premiums.
GEICO, Erie, and State Farm consistently rank among the most affordable.
Yes—especially for newer vehicles or if you drive frequently in winter weather.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.