Springfield, OH Car Insurance

Drivers in Springfield pay, on average, $53 a month for their car insurance. For more information refer to our guide below.
What should residents of Springfield expect to pay for their car insurance? How does Springfield compare to the surrounding area and the rest of Ohio? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Springfield?

Area Average Monthly Car Insurance Premium
Springfield$53
OH$59
United States$80

According to the chart above, the average cost of auto insurance in Ohio is about $6 a month more expensive than it is in Springfield.

Likewise, car insurance rates in Springfield are more affordable than the national average. You can expect to pay about $27 below the national average for auto insurance in Springfield.

While these numbers are the average rates for auto insurance in Springfield, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

But don't worry, 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 the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$111
18-24$82
25-34$46
35-44$42
45-54Not Enough Data
55-64$35
65+$39

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Springfield may see their rates climb back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$54

Male drivers pay, on average. slightly more than female drivers for auto insurance. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Springfield is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$78
Multiple Accidents$79
1 Ticket$74
Multiple Tickets$69

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Springfield, drivers with one accident on their record will experience rates around $78 a month. In addition, drivers with a single ticket on their record can expect to pay around $74 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$50
2-3 Years$35
4-5 Years$55
6-7 Years$60
8-10 Years$55
11-14 Years$54
15 Years or Older$52

In terms of affordable coverage, the cheapest vehicles to insure in Springfield are usually trucks and vans, at $42 per month.

SUV drivers will see rates of about $49, while the rates for car owners average out to about $56 a month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Springfield, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$58
Married$46
Divorced$41
Widowed$34

On average, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Springfield is no exception, with the difference totaling to around $12 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$44
Rent$54
Live with parents$84

Your living accommodations is another factor that affects your monthly rate. Homeowners in Springfield can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Springfield, OH

Recent trends in car insurance for Springfield drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The rates for car insurance in Springfield increased from 2016-2018, before steadying out in 2019. They finished down in 2021, at $28 per month

How does Springfield compare to neighboring areas?

Why are car insurance rates in Springfield different from other areas?

Car insurance companies look at numerous factors when they're figuring out how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:

  • Crime levels
  • Road Safety (how many accidents each locality has)
  • Amount of drivers in the region
  • Availability of off-street parking
  • Area laws

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Springfield?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Springfield.

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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 gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Springfield different from other neighboring cities?

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Springfield?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Springfield?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?

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.

Find your best rate in just a few minutes