Springfield, IL Car Insurance

Car insurance rates are cheaper than average in Springfield. If you're paying too much for your insurance policy, check out our guide and learn how to save.

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How much is auto insurance in Springfield?

 

The average car insurance rate in Springfield, Illinois, is $1,251 per year. That's cheaper than the statewide average in Illinois ($1,303) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Springfield.

 
SPRINGFIELD CAR INSURANCE RATES
Springfield Average (annual)Illinois AverageUnited States Average
$1,251$1,303$1,548
 
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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.

 
SPRINGFIELD CAR INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
GEICO$772
State Farm$1,126
Country$1,131
American Family$1,237
Progressive$1,385
 

Check out our guide to learn how to find the best cheap car insurance.

 
 

 

Springfield car insurance premiums by age

The age group that pays the least for car insurance in Springfield are drivers in their age_50s ($1,085per year). Rates for Springfield drivers in their age_60s are also relatively affordable, at just $1,108 per year.

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 PREMIUMS BY DRIVER AGE
AgeAverage Annual Rate
Teenagers$4,610
20s$1,723
30s$1,221
40s$1,175
50s$1,085
60s$1,108
70s$1,345
 

Learn more about the impact of age on car insurance premiums.

 
 

 

Springfield auto insurance rates by marital status and gender

 

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Springfield pay $124 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Springfield, single drivers pay more than those who are widowed.

Gender is another factor that can impact auto insurance costs.

 
SPRINGFIELD CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$1,251
Male$1,251
Single$1,128
Married$1,128
Divorced$1,251
Widowed$1,229
 

Learn more about how gender and marital status have on car insurance rates.

 
 

 

Springfield auto insurance premiums by accident and violation history

 

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 CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage Yearly Rate
DUI/DWI$1,909
Reckless Driving$1,968
At-fault Accident (damages < $1,000)$1,796
At-fault Accident (damages greater than $2,000)$1,992
Speeding Ticket (16-20 mph over speed limit)$1,600
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

Springfield car insurance premiums by credit score

 

It's no secret credit score is closely correlated with auto insurance rates. In fact, 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 $980 decrease in yearly insurance premiums.

 
SPRINGFIELD CAR INSURANCE PREMIUMS BY CREDIT SCORE
Credit ScoreAverage Yearly Rate
Very Poor$2,452
Fair$1,472
Good$1,251
Very Good$1,143
Exceptional$1,030
 

Learn more about the relationship between poor credit and car insurance.

 
 

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.