Best Springfield, Illinois Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
State Farm, Progressive, and Erie provides the best Springfield, Illinois auto insurance options for drivers, with rates as low as $27 per month. Find quality coverage at an affordable price by comparing rates from multiple providers to secure the best deal in Springfield, Illinois.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Nov 13, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
17,759 reviewsCompany Facts
Full Coverage in Springfield Illinois
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17,759 reviews
13,128 reviewsCompany Facts
Full Coverage in Springfield Illinois
A.M. Best Rating
Complaint Level
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13,128 reviews
1,814 reviewsCompany Facts
Full Coverage in Springfield Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviewsThe best Springfield, Illinois auto insurance options are State Farm, Progressive, and Erie, offer a fair price with rates as low as $27 monthly.
You can find all the information you need right here. We will discuss several aspects of driving history, credit score, commute duration, and other factors that impact Springfield, Illinois auto insurance costs.
Our Top 10 Company Picks: Best Springfield, Illinois Auto Insurance
| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | B | Reliable Service | State Farm |
 | #2 | 12% | A+ | Competitive Pricing | Progressive |
 | #3 | 10% | A+ | Comprehensive Coverage | Erie |
 | #4 | 10% | A++ | Customer Satisfaction | Auto-Owners |
 | #5 | 20% | A | Diverse Options | American Family |
 | #6 | 25% | A++ | Brand Recognition | Geico |
 | #7 | 8% | A++ | Broad Availability | Travelers |
 | #8 | 10% | A++ | Military Focus | USAA |
 | #9 | 25% | A+ | Extensive Network | Allstate |
 | #10 | 25% | A | Innovative Solutions | Liberty Mutual |
Be careful to compare quotes from several of the best insurance companies before purchasing Springfield, Illinois, auto insurance.
If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool above to compare your rates against the top insurers.
- Compare rates to find the best Springfield, Illinois auto insurance
- Get affordable coverage options tailored to Springfield drivers’ needs
- State Farm ranks as the top pick for reliable and budget-friendly auto insurance
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#1 – State Farm: Top Overall Pick
Pros
- Strong Financial Stability: State Farm holds the top rank from A.M. Best, providing reliable service and peace of mind for drivers in Springfield, Illinois. Learn more on our State Farm auto insurance review.
- Extensive Agent Network: With a large network of local agents, State Farm offers personalized service tailored to individual needs in Springfield.
- Reliable Claims Processing: State Farm is known for its efficient claims handling, making the process smoother for Springfield drivers.
Cons
- Higher Premiums: State Farm’s rates can be higher than those of some competitors, which may concern budget-conscious drivers in Springfield.
- Limited Digital Tools: Their online tools are less advanced, which might inconvenience those who prefer managing their policies digitally.
#2 – Progressive: Best for Competitive Pricing
Pros
- Competitive Pricing: Ranked #2, Progressive offers competitive rates and an A+ A.M. Best rating, making it a great option for budget-conscious drivers in Springfield.
- Usage-Based Discounts: Progressive’s Snapshot program rewards safe drivers with lower premiums, making it an appealing choice for those looking to save. Visit Progressive auto insurance review for more.
- Multi-Vehicle Discount: Progressive offers a 12% discount for insuring multiple vehicles, making it ideal for families or households in Springfield.
Cons
- Rate Increases After Claims: Progressive may increase premiums after a claim, which could be a drawback for drivers with recent incidents.
- Mixed Customer Service Reviews: Despite offering 24/7 support, Progressive has received inconsistent feedback on customer service, which could impact overall satisfaction.
#3 – Erie: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Erie, ranked #3 with an A+ A.M. Best rating, offers a variety of coverage options, including personal item protection and new car replacement.
- Low Complaint Ratio: Erie has a low complaint ratio, ensuring high customer satisfaction, which is essential for drivers needing reliable service.
- Local Agent Access: Erie offers personalized service through local, knowledgeable agents, providing drivers with a tailored experience. Learn more in our Erie auto insurance review.
Cons
- Limited Availability: Erie isn’t available in all states, which may be an issue for drivers moving outside their current coverage area.
- Fewer Online Tools: Erie’s digital tools are less advanced, which could be inconvenient for drivers who prefer modern online management options.
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#4 – Auto-Owners: Best for Customer Satisfaction
Pros
- Exceptional Customer Satisfaction: Ranked #4 with an A++ A.M. Best rating, Auto-Owners stands out for excellent customer satisfaction and reliable service.
- Strong Financial Stability: With an A++ rating, Auto-Owners ensures solid financial health and efficient claims handling.
- Comprehensive Coverage Options: Auto-Owners offers a variety of coverage options tailored to the specific needs of Springfield drivers.
Cons
- Limited Digital Presence: Auto-Owners lack advanced online tools, which may be inconvenient for those who prefer managing their insurance digitally, as stated in our Auto-Owners auto insurance review.
- Higher Premiums for High-Risk Drivers: Auto owners may charge higher premiums to drivers with poor credit or a challenging driving history, making it less affordable for some.
#5 – American Family: Best for Diverse Options
Pros
- Diverse Coverage Options: American Family, ranked #5 with an A rating, offers extensive coverage for Springfield, Illinois, drivers seeking the best auto insurance.
- Multi-Vehicle Discount: Save up to 20% with American Family’s multi-vehicle discount, ideal for residents looking for affordable Springfield, Illinois auto insurance.
- Comprehensive Policy Customization: American Family’s numerous add-on options allow Springfield drivers to tailor their policies.
Cons
- Potentially Higher Premiums: Rates with American Families can be higher, which might not suit budget-conscious Springfield drivers.
- Inconsistent Customer Service: Mixed reviews on American Family’s customer service could impact drivers looking for dependable options. Delve more in our American Family auto insurance review.
#6 – Geico: Best for Brand Recognition
Pros
- High Brand Recognition: Ranked #6 with an A++ A.M. Best rating, Geico is known for competitive rates and strong stability. Explore our “Geico Auto Insurance Review” page to learn more.
- Significant Multi-Vehicle Discount: Geico offers a 25% discount for multiple vehicles, providing significant savings for Springfield residents with more than one car.
- Broad Range of Discounts: Geico offers discounts like safe driver and military benefits, which can be advantageous for Springfield drivers.
Cons
- Customer Service Issues: Some customers report problems with Geico’s customer service, which is a concern for those who value high-quality support in their auto insurance.
- Higher Rates for Some Drivers: Geico’s rates might be higher for drivers with poor credit or high-risk profiles.
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#7 – Travelers: Best for Broad Availability
Pros
- Broad Availability: Ranked #7 with an A++ A.M. Best rating, Travelers offers extensive coverage in Springfield, Illinois.
- Discounts for Multi-Vehicle Policies: Offers an 8% discount for multiple vehicles, helping Springfield residents save. Read our Travelers auto insurance review for more details.
- Strong Financial Stability: With an A++ A.M. Best rating, the company guarantees reliable claims handling and financial security, reinforcing its strong reputation.
Cons
- Higher Premiums for High-Risk Drivers: The company may charge higher rates for high-risk drivers, limiting affordability for some.
- Limited Discounts for New Drivers: Discount opportunities for new or young drivers are fewer, making it less appealing to this group.
#8 – USAA: Best for Military Focus
Pros
- Military Focus: USAA, ranked #8 with an A++ rating, offers coverage specifically designed for military families, making it a top choice for auto insurance in Springfield.
- High Multi-Vehicle Discount: USAA offers a 10% discount for multiple cars, providing excellent savings for Springfield residents with more than one vehicle.
- Excellent Customer Service: USAA is well-known for its top-rated customer service, further solidifying its reputation as a leading insurance provider. Visit our USAA auto insurance review for more.
Cons
- Eligibility Restrictions: USAA is only available to military families, excluding some Springfield drivers from its benefits.
- Higher Rates for Non-Military: Non-military individuals may find USAA’s rates less competitive or more challenging to access.
#9 – Allstate: Best for extensive Network
Pros
- Extensive Network of Agents: Allstate’s A+ A.M. Best rating and a wide network of agents provide personalized service for the best Springfield, Illinois auto insurance.
- Generous Multi-Vehicle Discount: Allstate provides up to 25% off for insuring multiple vehicles, making it an excellent option for families.
- 24/7 Claims Processing: Allstate offers round-the-clock claims service, giving drivers added peace of mind.
Cons
- Higher Premiums for Some Drivers: Certain drivers may find Allstate’s rates higher than those of other insurers. For more information, navigate our Allstate auto insurance review.
- Mixed Customer Service Reviews: Customer service experiences vary, which could affect overall satisfaction.
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#10 – Liberty Mutual: Best for Innovative Solutions
Pros
- Innovative Solutions: Ranked #10 with an A rating, Liberty Mutual offers features like accident forgiveness, making it an excellent option for drivers seeking unique coverage.
- Customizable Coverage: Liberty Mutual allows Springfield drivers to adjust their policies, ensuring coverage meets their needs.
- 24/7 Customer Service: Liberty Mutual provides round-the-clock assistance, ensuring Springfield drivers have constant support when managing auto insurance.
Cons
- Higher Premiums for Some Drivers: Liberty Mutual’s rates may be higher for specific profiles, which could be less appealing for budget-conscious drivers in Springfield.
- Mixed Reviews on Claims Processing: As mentioned in our Liberty Mutual auto insurance review, some drivers report inconsistent experiences with Liberty Mutual’s claims process.
Affordable Auto Insurance Companies in Springfield, Illinois
When searching for the cheapest auto insurance companies in Springfield, Illinois, it’s essential to compare rates from multiple providers to find the best annual rates that suit your needs. Some of the best auto insurance companies in the area known for offering competitive rates include State Farm, Geico, Progressive, and Allstate.
Springfield, Illinois Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $41 | $90 |
| $32 | $63 |
| $27 | $61 |
| $30 | $68 |
| $33 | $74 |
| $44 | $100 |
| $36 | $79 |
| $29 | $66 |
| $37 | $87 |
| $31 | $70 |
These companies often provide a range of coverage options and discounts, such as multi-policy discounts, safe driver discounts, and more, which can further reduce your premium. By comparing quotes from these and other local insurers, you can identify the most affordable coverage that still meets your requirements.
Additionally, consider factors like customer service, financial stability, and policy options to ensure you’re not just getting a low rate but also the best overall value for your auto insurance in Springfield, Illinois.
Springfield, Illinois Auto Insurance Monthly Rates by Provider
| Insurance Company | Rates |
|---|---|
| $257 |
 | $125 |
| $183 |
| $144 |
 | $167 |
| $197 |
| $148 |
| $160 |
| $102 |
Use online comparison tools or consult with a local insurance agent to get personalized quotes based on your specific driving history, vehicle type, and coverage needs.
Auto Insurance in Springfield, Illinois: Rates by Age, Gender, and Marital Status
Car insurance discounts and rates in Springfield, Illinois, are influenced by various demographic factors, including age, gender, teen drivers, seniors, and marital status. Younger drivers, particularly teenagers, often face higher premiums due to their lack of experience and higher risk of accidents.
Conversely, seniors may see rate increases as insurers account for age-related factors like slower reaction times. Gender also plays a role, with young males typically paying more than females, reflecting higher accident rates among this group.
Springfield, Illinois Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B+ | Moderate traffic levels, less congestion than major cities |
| Average Claim Size | B | Comparable to state average |
| Vehicle Theft Rate | B- | Slightly below state average, relatively low risk |
| Weather-Related Risks | C+ | Winter storms and occasional flooding |
| Uninsured Drivers Rate | C | Higher than state average rate of uninsured drivers |
Additionally, married individuals often benefit from lower rates than single drivers, as insurers consider them more stable and less likely to engage in risky driving behaviors. Enter your ZIP code now.
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Auto Insurance in Springfield, Illinois: Rates Based on Driving Record
Your driving record significantly influences your auto insurance rates, as insurers use it to assess your risk of insuring. In Springfield, Illinois, drivers with a clean record typically enjoy lower annual auto insurance premiums, reflecting their lower risk profile.
Springfield, Illinois Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 1,500 |
| Total Claims Per Year | 1,200 |
| Average Claim Size | $4,000 |
| Percentage of Uninsured Drivers | 11% |
| Vehicle Theft Rate | 180 thefts/year |
| Traffic Density | Moderate |
| Weather-Related Incidents | High |
On the other hand, if you have a bad driving record—marked by accidents, traffic violations, or other infractions—you can expect much higher rates. This is because insurers view drivers with a history of accidents or violations as more likely to file future claims, leading to increased premiums to offset the higher risk.
In such cases, you may also be classified under high-risk auto insurance, which typically comes with even steeper rates due to the greater likelihood of filing claims.
Schimri Yoyo Licensed Agent & Financial Advisor
Comparing the auto insurance rates for a driver with a clean record versus one with a lousy record in Springfield, Illinois, can reveal substantial differences, often amounting to several hundred dollars or more per year.
Factors Influencing Auto Insurance Rates in Springfield, Illinois
Auto insurance rates in Springfield, Illinois, can fluctuate significantly due to various local factors. One significant influence is traffic congestion; areas with heavier traffic often see more accidents, leading insurers to raise premiums to account for the increased risk.
Auto Insurance Discounts From the Top Providers in Springfield, Illinois
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver, Good Student, New Car, Anti-Theft, Paperless, Pay-In-Full, Early Signing, Responsible Payer, Defensive Driving, Ez Pay |
| Multi-Policy, Good Student, Safe Driver, Early Bird, Loyalty, Low Mileage, Auto Safety, Pay-In-Full, Young Volunteer, Generational |
| Multi-Policy, Multi-Car, Good Student, Safe Driver, Paid-In-Full, Paperless, Safety Features, Early Signing |
| Multi-Policy, Safe Driver, Vehicle Storage, Pay-In-Full, Young Driver, Reduced Usage, Accident Forgiveness |
| Multi-Policy, Multi-Car, Good Student, Military, Federal Employee, Defensive Driving, Vehicle Safety, Seat Belt Use, Anti-Theft, Accident-Free, Emergency Deployment, New Vehicle, Membership, Professional Group, Good Driver |
| Multi-Policy, Multi-Car, Homeowner, Good Student, Military, Early Shopper, Paperless, Pay-In-Full, New Vehicle, Safe Vehicle, Accident-Free, Preferred Payment, Employee Group |
| Multi-Policy, Multi-Car, Good Student, Homeowner, Safe Driver, Online Quote, Pay-In-Full, Paperless, Continuous Insurance, Sign Online, Teen Driver |
| Multi-Policy, Good Driver, Good Student, Defensive Driving, Anti-Theft, Accident-Free, Vehicle Safety, Multi-Car, Low Mileage |
| Multi-Policy, Multi-Car, Home Ownership, Good Student, Safe Driver, New Car, Hybrid/Electric Vehicle, Pay-In-Full, Early Quote |
| Multi-Policy, Safe Driver, Good Student, New Vehicle, Family, Military Service, Loyalty, Defensive Driving |
Additionally, the rate of vehicle thefts in Springfield can directly impact insurance costs—higher theft rates usually result in higher premiums and gap insurance, as insurers must account for the potential loss.
Other local factors, such as the area’s crime rates, weather patterns, and even the average commute time, can also affect Springfield’s auto insurance rates.
These elements collectively influence how insurers assess risk and, consequently, the premiums they charge drivers in the area. To receive the best free Springfield, Illinois auto insurance, enter your ZIP code below.
Choosing the Right Auto Insurance in Springfield, Illinois
In Springfield, Illinois, securing top-notch auto insurance requires more than just picking a well-known name. State Farm, Progressive, and Erie have emerged as the top providers, offering a range of options that cater to different needs and budgets.
To find the perfect and cheapest auto insurance for your situation, it’s essential to explore and compare offerings from multiple providers. Our comparison tool simplifies this procedure by letting you examine multiple bids that are tailored to your unique requirements and preferences.
Don’t overlook the impact of local factors such as traffic conditions, vehicle theft rates, and personal driving history on your insurance rates. By considering these elements and leveraging available discounts, you can secure comprehensive coverage at a competitive price.
Begin your search today by entering your zip code here. With the proper knowledge and resources, you can easily select an auto insurance policy that offers both value and protection.
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Frequently Asked Questions
What specific coverage options do Springfield, IL drivers often choose beyond basic liability?
Springfield drivers commonly opt for comprehensive and uninsured motorist coverage to protect against weather-related damages and uninsured drivers.
How can Springfield drivers lower their auto insurance premiums?
Drivers can reduce premiums by maintaining a clean driving record, using available discounts, and bundling policies with the same provider. Stop overpaying for auto insurance. Enter your ZIP code below to find out if you can get a better deal.
Why do some vehicles have higher insurance rates in Springfield, IL?
Certain models may cost more to insure due to higher repair costs, theft rates, or lower safety ratings.
Are there Springfield-specific factors that influence auto insurance costs?
Several factors can influence your auto insurance premiums. Local traffic patterns, crime rates, and accident statistics in Springfield can impact insurance premiums.
How does seasonal weather affect auto insurance needs in Springfield?
Winter weather in Illinois often leads drivers to choose comprehensive coverage to protect against ice and storm damage.
What are some key factors influencing auto insurance rates in Springfield, Illinois?
Auto insurance rates in Springfield, Illinois, are influenced by factors such as traffic congestion, vehicle theft rates, local crime rates, weather patterns, and average commute times.
What are the penalties for driving uninsured in Springfield, IL?
Drivers without insurance face fines, license suspension, and possible vehicle impoundment under Illinois law.
What kind of discounts can drivers expect from auto insurance companies in Springfield, Illinois?
Drivers in Springfield, Illinois, can often benefit from multi-vehicle discounts, safe driver discounts, and discounts for bundling policies, which can significantly reduce their premiums.
How does the presence of a good driving record impact auto insurance premiums in Springfield, Illinois?
A clean driving record typically leads to cheap auto insurance premiums, as insurers view these drivers as less risky, resulting in more favorable rates compared to those with a history of accidents or violations.
Why might USAA be a preferred choice for military families seeking auto insurance?
USAA is highly regarded for its specialized coverage and benefits tailored to military families, offering exceptional service and competitive rates, making it a top choice for military members and their families in Springfield, Illinois. Get fast and cheap auto insurance coverage today with our quote comparison tool below.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.