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How much is car insurance in Springfield?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Illinois, coverage in Springfield is about $4 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Springfield is rather affordable. You can expect to pay about $36 less for your policy in Springfield than in the rest of U.S.
While these are the average car insurance rates for Springfield, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down the average rate for Springfield residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement in Springfield.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Springfield, although women do pay slightly less on their monthly auto insurance coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Springfield with one accident will pay around $53 a month. Likewise, drivers with one ticket will be looking at a rate of around $54 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$45|
The cheapest vehicles to insure in Springfield are typically trucks and vans, with each type typically costing about $39 per month.
The cost of insurance for car and SUV owners in Springfield usually comes out to about $46 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Springfield are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$47|
More often than not, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Springfield is about $10 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $1 a month more than those who own their own home in Springfield. But those who live at home with their parents can expect to pay significantly 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 average premiums.
Car Insurance Companies in Springfield, IL
Recent trends in car insurance for Springfield drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Springfield, car insurance rates have been steadily decreasing, reaching a low of $36 in 2022.
How does Springfield compare to neighboring areas?
Why are car insurance rates in Springfield different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Total number of drivers
- Regional crime rates
- Amount of off-street parking
- General road safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Springfield?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto 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 you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
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 crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Springfield?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Springfield?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Springfield or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.