Best Springfield, Illinois Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
State Farm, Progressive, Erie are the best Springfield, Illinois auto insurance for drivers. You may get the best Springfield, Illinois auto insurance at a fair price, with rates as low as $27 per month. Compare quotes from several providers to discover Springfield, Illinois's best deal.
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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: Sep 19, 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: Sep 19, 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.
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17,759 reviewsCompany Facts
Full Coverage in Springfield Illinois
A.M. Best Rating
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17,759 reviews
13,128 reviewsCompany Facts
Full Coverage in Springfield Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
1,814 reviewsCompany Facts
Full Coverage in Springfield Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviewsState Farm, Progressive, and Erie are the best Springfield, Illinois auto insurance for drivers. These providers offer the best Springfield, Illinois auto insurance at 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 best insurance companies before purchasing Springfield, Illinois, auto insurance. For free Springfield, Illinois car insurance quotes, enter your ZIP code above.
- The top auto insurance company in Springfield is State Farm
- Average auto insurance rates in Springfield, IL for senior drivers are $150/mo
- The minimum auto insurance in Springfielf, IL is $27 per month
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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 some competitors, which may be a concern for 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 provides a variety of coverage options tailored to the specific needs of drivers in Springfield.
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: Drivers with poor credit or a challenging driving history may face higher premiums with Auto-Owners, 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 Springfield, Illinois 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 Family 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 know more.
- Significant Multi-Vehicle Discount: Geico offers a 25% discount for multiple vehicles, providing great 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, 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, which can limit 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: With a 10% discount for multiple cars, USAA provides 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 harder 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 a great 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 compared to 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 a great option for drivers looking for unique coverage.
- Customizable Coverage: Liberty Mutual allows Springfield drivers to adjust their policies, ensuring coverage aligns with their specific 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 certain profiles, which could be less appealing for budget-conscious drivers in Springfield.
- Mixed Reviews on Claims Processing: Some drivers report inconsistent experiences with Liberty Mutual’s claims process, as mentioned in our Liberty Mutual auto insurance review.
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.
Additionally, married individuals often benefit from lower rates compared to 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 the risk of insuring you. In Springfield, Illinois, drivers with a clean record typically enjoy lower annual auto insurance premiums, reflecting their lower risk profile.
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.
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Comparing the auto insurance rates for a driver with a clean record versus one with a bad 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 a variety of local factors. One major 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 a 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 play a role in determining 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 free best 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. This procedure is made simpler by our comparison tool, which lets you examine multiple bids that are catered 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 types of auto insurance coverage are available in Springfield, IL?
In Springfield, IL, auto insurance coverage typically includes liability coverage for injuries and damages you cause to others, collision coverage for damages to your vehicle from collisions, comprehensive coverage for non-collision damages like theft or natural disasters.
Additionally, uninsured/underinsured motorist coverage to protect you if you’re in an accident with a driver lacking sufficient insurance.
How much auto insurance coverage do I need in Springfield, IL?
The amount of auto insurance coverage you need depends on several factors, including the value of your vehicle, your financial situation, and the level of risk you’re comfortable with.
It’s generally recommended to carry liability coverage at least equal to the minimum requirements set by the state of Illinois, but higher coverage limits are often advisable to provide better protection. Enter your ZIP code today.
What factors can affect my auto insurance premiums in Springfield, IL?
Several factors can influence your auto insurance premiums. Your driving record plays a significant role; a history of accidents or traffic violations may lead to higher premiums. Age and gender also impact rates, with younger drivers, particularly males, often facing higher premiums due to statistically higher accident rates.
The type of vehicle you drive—its make, model, age, and safety features—can also affect your premiums. Additionally, the types and levels of coverage you choose, along with the deductibles you opt for, contribute to the overall cost of your insurance.
Are there any discounts available for auto insurance in Springfield, IL?
Yes, insurance companies often offer various discounts to help reduce your auto insurance premiums. Common discounts include the multi-policy discount, which offers reduced rates when you bundle your auto insurance with other policies like home insurance.
Drivers with a clean record may benefit from a good driver discount, while full-time students who maintain good grades can qualify for a good student discount.
Additionally, safety feature discounts are available for those who install safety devices such as anti-theft systems or anti-lock brakes, potentially lowering their premiums further.
Can I use my auto insurance coverage in Springfield, IL if I’m involved in an accident in another state?
Yes, in most cases, your auto insurance coverage will still apply if you’re involved in an accident outside of Springfield, IL. However, it’s essential to review your policy and understand any limitations or variations in coverage that may exist when driving in different states.
It’s advisable to contact your insurance provider to confirm the extent of your coverage while traveling or driving in other states. Enter your ZIP code today.
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.
Which companies are recognized for offering the best Springfield, Illinois auto insurance?
The top providers for the best Springfield, Illinois auto insurance are State Farm, Progressive, and Erie, known for their competitive rates and comprehensive coverage options.
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. Enter your ZIP code today.
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.
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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.