Springfield, IL Car Insurance

The Zebra
July 25, 2019

Car Insurance in Springfield

Premiums in Springfield are relatively consistent with Illinois' rates, as its premiums are within $33 of the state average. Who doesn't like to save money? Check out some ways to save on car insurance in Springfield.

  • City Average: $1,087
  • State Average: $1,120
  • National Average: $1,427

Springfield Car Insurance by Age

The largest fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Springfield start saving an average of $2,696 on car insurance. While rates for drivers in Springfield will continue to shrink through their 50s, they should expect to pay more when they turn 60. Teenage drivers have the most expensive rates amongst all the age groups, with average car insurance payments of $4,219. Among all age groups, drivers in their 50s have the smallest car insurance premiums, with rates of $932/year.

  • Teenagers: $4,219
  • 20s: $1,523
  • 30s: $1,067
  • 40s: $1,039
  • 50s: $932
  • 60s: $992
  • 70s: $1,194

Springfield Car Insurance by Accident or Violation History

Possessing an untarnished driving record is vital if you want to keep your rates minimal. Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. For individuals in Springfield with at-fault accidents, $538 is the amount by which annual insurance premiums can be expected to rise. Do you want to increase your insurance rates by 19%? If not, watch your speedometer because a ticket for driving 16-20mph above the speed limit in Springfield will spark that increase.

  • DUI: $2,373
  • Reckless Driving: $2,508
  • At-fault Accident (damages less than $1000): $1,625
  • At-fault Accident (damages greater than $2000): $1,625
  • Speeding Ticket (16-20 mph over speed limit): $1,296

Springfield Car Insurance by Credit Rating

There is a disparity of $1,232 per year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). The largest benefit of better credit occurs when improving from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of $377 per year.

  • Very Poor: $2,195
  • Fair: $1,786
  • Good: $1,409
  • Very Good: $1,145
  • Exceptional: $963

Springfield Car Insurance by Gender and Marital Status

Gender and marital status are among the many driver characteristics that have an effect on car insurance premiums in Springfield. Married individuals save roughly 7% per year on car insurance compared to those who are single. Rates for those who are widowed are a hair cheaper than rates for those who are single. Premiums are cheaper for women, but barely. Women generally pay $5 less than men each year for insurance.

  • Female: $1,082
  • Male: $1,087
  • Single: $1,087
  • Married: $1,015
  • Divorced: $1,087
  • Widowed: $1,086

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