Best Auto Insurance Rates in Springfield, Illinois

On average your neighbors pay $67 a month.

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Friday, November 9 2018 By Shantae Young

Springfield, Illinois, with a population of around 115,000 residents, is a small city with a huge history. Abraham Lincoln was born and is buried in Springfield, which is the state capital. Not only that but the historical Route 66 also runs through downtown Springfield. You may get your kicks on Route 66, but you get insurance savings from QuoteWizard.

Average Springfield Car Insurance Rates

How much is car insurance in Springfield, IL? It should come as no surprise that insurance rates in Springfield are expensive. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

The price you pay will vary depending on the car you drive, your driving record, policy limits, coverage (liability or comprehensive), and the total number of claims filed in your zip code.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois's average auto insurance rate from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Springfield, Illinois and save up to 40% on your premium.

Last year, 3,055 people used QuoteWizard to compare car insurance quotes in Springfield, IL from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Springfield, IL

This is our list of the most common car insurance companies reported by 3,055 Springfield, Illinois QuoteWizard users last year. Of these users, 171 did not have insurance.

  1. State Farm
  2. Progressive
  3. Allstate
  4. GEICO
  5. Farmers
  6. Esurance
  7. American Family
  8. Liberty Mutual
  9. Country Financial
  10. AAA

Top 10 Vehicles in Springfield

This is our list of the top most common car makes and models owned by Springfield, IL drivers requesting quotes through QuoteWizard last year.

  1. Chevrolet Impala/LS/LT
  2. Ford F150
  3. Hyundai Sonata GLS
  4. Ford Taurus SE
  5. Chevrolet Malibu LS
  6. Dodge Caravan
  7. Honda Accord EX
  8. Hyundai Elantra GLS
  9. Toyota Camry LE/XLE/SE
  10. Ford Mustang

Minimum Car Insurance Requirements in Springfield, IL

Springfield, Illinois has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most insurance companies will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence Springfield insurance rates.

Weather

Springfield has four distinct seasons, with hot, humid winters, and snowy, cold winters. The average daily high in January can be as low as 18 degrees. Springfield receives 34.8 inches of rainfall annually, most of which falls between May and August. In an average year, Springfield sees around 196 sunny days and around 112 days with any measureable precipitation.

Road Conditions

According to Tripnet.org, three percent of the major roads in Illinois are in poor condition. 24 percent are mediocre. The sub-par condition of Illinois roads costs drivers $4.4 billion or an average of $540 per motorist in extra vehicle operating costs each year. These costs are a direct result of driving on rough roads that can damage cars and contribute to car accidents.

Due to the sometimes severe winters, Springfield has many potholes. The Springfield Department of Public Works is currently working on a three-year $86 million plan that will fix some of the major road problems in the city.

Traffic Congestion

According to the State Journal-Register, downtown Springfield has been having traffic congestion problems for the past 60 years. It may be a small city, but the residents still do experience unexpected and untimely traffic jams. There have been many helpful suggestions such as making one-way streets to bi-directional again.

Moving Violations

Moving violations like speeding tickets, at-fault accidents, and drunk driving will add points to your driver's license and give you a bad driving record. If this happens, you'll need car insurance for bad, high-risk drivers.

Traffic Tickets

The Sangamon County Clerk of Courts website allows you to pay traffic tickets and gives helpful traffic court information.

The Sangamon County Traffic Division handled approximately 36,000 traffic cases in 2013.

Drunk Driving Arrests

Sangamon County Traffic Division recorded around 1,200 DUIs in 2013.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Springfield DUI insurance.

Fatal Car Accidents

Springfield recorded ten fatal car accidents resulting in 11 fatalities in 2013.

Vehicle Theft Rates

Springfield reported 125 vehicle thefts in 2014, a rate of 1.07 per 1,000, which is well under the national average of 2.16 per 1,000.

Car Insurance Discounts in Springfield

Discounts are one of the best ways to lower your insurance rates. These are some of the car insurance discounts available to drivers in Springfield, IL. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies.

  1. Maintain at least a B grade point average in school to qualify for the good student discount
  2. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  3. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  4. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  5. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  6. Take a defensive driving course from an accredited driver safety school

Sources:

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