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How much is car insurance in Springfield?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Springfield is about $4 cheaper than it is in the rest of Illinois.
Similarly, car insurance rates in Springfield are more affordable than the national average. You can expect to pay about $34 below the national average for auto insurance in Springfield.
Although these are the average rates for auto insurance in Springfield, that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've done the heavy lifting for you and broken down the average rate for Springfield so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates creep back up a bit in Springfield.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a bit less than male drivers on their monthly insurance rates, the difference in Springfield is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Springfield, drivers with one accident on their record will experience rates around $54 a month. In addition, drivers with one ticket can expect to pay around $74 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$45|
According to the first table above, the cheapest vehicles to insure in Springfield are typically trucks and vans, at $38 per month.
SUV drivers will see rates of about $50 for insurance coverage, while car owners usually pay around $46 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Springfield, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
On average, married policyholders will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Springfield can be as much as $10 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in Springfield. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Springfield, IL
Recent trends in car insurance for Springfield drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Springfield, the rates for car insurance had been increasing from 2016-2017, when they reached a high of $54. This trend leveled out in 2020, when they began to decrease, and have continued on that path through the present -- when policy premiums hit a low of $37 a month.
How does Springfield compare to neighboring areas?
Why are car insurance rates in Springfield different from other areas?
Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Local regulations
- Road Safety (total number of local car accidents)
- Number of drivers in the area
- Off-street parking accessibility
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Springfield?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Springfield.
Springfield Insurance FAQs
What factors affect car insurance quotes in Springfield?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Springfield different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Springfield?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Springfield?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Springfield or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.