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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Springfield?

The average car insurance rate in Springfield, Illinois, is $625 for six months. That's cheaper than the statewide average in Illinois ($651) and less expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Springfield. Read on to learn more!

Car insurance in Springfield vs. Illinois Average 6 Mo. Premium
Springfield average $625
Illinois average $651

The Zebra's key takeaways about car insurance in Springfield:

  • The average cost of a car insurance policy in Springfield is $625 per six-month policy — $104 per month.
  • The cheapest company in Springfield is GEICO ($386).
  • 35% of Zebra customers in Springfield stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Springfield car insurance rates by company

One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, GEICO offers Springfield's most affordable premiums. We've listed the best cheap car insurance companies in Springfield below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


Cheapest car insurance companies in Springfield, IL
Company Avg. 6 Mo. Premium
GEICO $361
State Farm $563
Country $565
American Family $618
Progressive $692

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Springfield.

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Springfield auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 28% of Springfield drivers. The age group that pays the least for car insurance in Springfield are drivers in their age_50s ($542 per six-month policy). Rates for Springfield drivers in their 60s are also relatively affordable, at just $554.

Teenage drivers pay Springfield's most expensive insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Springfield is to age out of your teens. In Springfield, teenage drivers pay $4,610 — a full $3,502 more than the second-most expensive rate paid by an age group.

Springfield auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $2,305
20s $861
30s $610
40s $587
50s $542
60s $554
70s $672

Springfield car insurance rates by credit score

It's no secret credit score is closely correlated with auto insurance rates. Springfield drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 58% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Springfield, improving your credit to "Fair" could help you earn a $490 decrease in six-month insurance premiums.  Our data tells us 37% of drivers in Springfield have a credit score of average (580-679). 

credit score
Springfield auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,226
Fair $736
Good $625
Very Good $571
Exceptional $515

Springfield car insurance rates by violation

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Springfield, a reckless driving citation results in an average insurance rate increase of $717 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $659 increase and a speeding ticket triggers a $349 rate hike.

Springfield auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $954
Reckless Driving $984
At-fault Accident (damages < $1,000) $898
At-fault Accident (damages greater than $2,000) $996
Speeding Ticket (16-20 mph over speed limit) $800

Compare over 100 insurance companies at once!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.