UPDATED: Mar 13, 2020
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If you happen to be looking for cheap auto insurance in Springfield, IL, then it just so happens that you are also in the right place.
Here at AutoInsuranceEZ.com, we have the resources you need to find the best deals on car insurance prices near you. We can also advise you on the easiest and most convenient ways to switch to a high-quality provider who will give you the premiums you deserve – and quickly, too!
Springfield is actually the capital of Illinois, even though it is only the 6th largest city in the state. Springfield began to coalesce into a real city during the late eighteen-teens when American descendants of European immigrants started settling in the area.
Springfield is home to none other than Abraham Lincoln, who was a proud son of the city until he was elected president in the 1860s. There are many tourist attractions dedicated to Lincoln to this day.
- Fun fact: Hold onto your hats! Springfield, IL is #2 on the list of top 100 cities with the largest wind speed differences during a single year. For more fun facts about this wonderful city, look up Springfield online.
Auto Insurance Coverage Requirements in Illinois
Driving legally in Springfield requires:
|Bodily Injury Liability||20,000/40,000||100,000/300,000|
|Property Damage Liability||15,000||100,000|
|Uninsured Motorist Bodily Injury||Not required||20,000/40,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||250 deductible|
There are many different options when purchasing a new car insurance policy: the bare minimum state legal requirements, full coverage, and a myriad of options in between. Of course, these will all depend on your personal circumstances and the type of coverage you need.
Picking just the right amount without purchasing too much or too little coverage is a delicate balancing act that requires a little finesse.
Illinois is definitely one of the more affordable states when it comes to auto insurance. The average driver only spends about $65 a month for decent coverage. But could you save even more than that?
Not only do we believe it’s possible, but we’ve seen the results first hand from helping thousands of visitors just like you get the right policy for the right price.
As of right now, it looks like either SafeAuto or Dairyland are your best bets if you want to save money and pay less than the average driver. But that doesn’t mean those insurance companies will be the best option for you, as an individual.
You have to take a close look at the company, their customer service ratings, and the fact that the sample quotes we have on this page might be slightly different from the price they will offer you for your specific vehicle. It’s all about communication.
Getting an affordable Illinois auto insurance policy involves a lot of math and guesswork.
The good news is that your insurance company takes care of most of that – the bad news is that this gives you less control over getting the premium you want versus the premium they want to charge you.
But if you educate yourself on what they are evaluating and how much weight they put into each variable, the more control you can take to swing things in your favor.
Major Car Insurance Factors in Springfield
Not only are there many different variables your car insurance company will consider when calculating your premium, but different companies will assign different levels of importance to each one.
In general, the factors below will have the biggest impact on whether or not you end up getting charged an affordable price for your monthly premium:
Your Zip Code
Have you ever wondered why your zip code is the first thing insurance companies ask for when calculating a quote? It’s because your zip code tells the insurance company a mountain of data about your personal circumstances, such as how likely you are to get into an accident.
It’s probably the biggest factor which goes into estimating how safe of a driver you will be.
And the safer your town, the more likely you will be able to get an affordable premium. The current population of Springfield, IL is 115,511 souls bringing home a median household income of $48,179.
The rate of deadly accidents in Springfield isn’t a zero; however, given the population, it’s relatively lower than comparably-sized cities.
While this may not get you the cheapest possible rate from your insurance provider, it will certainly help make your premium more affordable than it would be if you lived somewhere more crowded like Chicago or Aurora.
Auto Thefts in Springfield
Much like fatal accidents in the city, auto thefts aren’t terribly high in Springfield – but they’re not non-existent, either.
You can help protect yourself by making sure there’s a passive alarm installed on your vehicle. This may even get you a small discount from your insurance provider if you point it out to them and report it to your agent.
If you happen to be in the market for a new vehicle, try to find one that’s a lower-profile target for would-be auto thieves so that you don’t become one of the 227 people who got their vehicles stolen last year.
Your Credit Score
Your credit score: it’s either making life incredibly easy for you, or it’s the bane of your existence. Either way, it’s also having a strong impact on the affordability of your monthly premium.
Good credit scores will help you get a lower rate because insurance companies think it means you will pay your premiums on time.
Bad credit, on the other hand, makes your insurance provider worried that you will be a riskier investment and they will charge you more to hedge their bets.
There are some companies, like Elephant in the chart below, which may not charge different rates based on credit – but you may have to pay more for your premiums as a result.
Not only is age a major factor in determining your premiums, it’s also the source of the biggest price swings when it comes to your premiums. In some areas, companies may charge a younger driver anywhere from 10 to 20 times as much as they would an adult over the age of 30.
If you are a young driver, you can try to do what you can to show your insurance provider that you are a safe driver.
Driver’s ed classes and good report cards from school will go a long way in this effort, and pooling your insurance with your parents may help – but you should prepare yourself to pay substantially higher rates if you are under the age of 25.
Your Driving Record
Have you ever gotten a speeding ticket, only to see your auto insurance bill spike a month or two later? Most of the time, either you or your state are legally required to inform your insurance company of any citations you receive (usually your state DMV office does it for you – whether you want them to or not).
Getting tickets is a sign of risky driving behavior which makes your insurance provider worry you are more likely to get into an accident.
The higher your accident likelihood, the more likely they will have to pay out expensive claims – which is the last thing they want to do. Hence the reason why driving violations will cost you more on your monthly auto insurance premiums.
What type of vehicle you drive can also have a big impact and how much your monthly premiums will be. As we discussed earlier, cars, trucks, and SUVs that are more likely to get stolen will cost more to insure.
The more expensive your vehicle is and the newer it is – especially if you add gap coverage to your policy – the more it will cost each month, too.
Your insurance provider may even have statistics on which types of vehicles are most likely to be involved in an accident. If your insurance provider believes you own a vehicle which is riskier to drive, say hello to higher premiums.
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Minor Car Insurance Factors in Springfield
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
Marital bliss – whether it’s a new chapter in your life or whether you’ve been married for years – comes with the added bonus of lower auto insurance rates. Even just being married to a driver can get you a few percentage points of a discount off your monthly policy.
But the real savings come when you bundle coverage with your life partner. You could save anywhere from 10 percent to 15 percent off your premiums together.
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Is it true that women are safer drivers than men? Your insurance company may have an opinion on the subject. And whether or not that opinion reflects reality is irrelevant to how much they charge you each month.
Granted, charging different amounts based on gender is a practice which is falling out of fashion within the car insurance industry.
But it wouldn’t hurt to talk to your insurance company and figure out where they stand on the issue, and whether or not it is costing you more each month than it could if you found coverage with a company who doesn’t care about sex.
Your Driving Distance to Work
Commute times can be relatively short for Springfield drivers. The majority of people may spend anywhere from 15 to 20 minutes on their way to work; for many, however, it could be a short as 5 minutes!
Around 80 percent of workers in the city will drive alone in their own vehicle to the office. Not very many drivers carpool with one another or take public transportation.
You’ve probably seen a ton of commercials already with major insurance providers offering people substantial discounts for plugging a tracking device into their car and tracking their mileage for up to 6 months.
If you think you drive fewer than 15,000 miles each year, and if you believe yourself to be a relatively safe driver, it might be worth a shot trying out the program for yourself.
But the device will track things like hard braking and the time of day which you are on the road, too. This means that if you drive in a lot of rush hour traffic and/or you are usually in a rush to get where you want to go, it may end up costing you more than it saves.
Your Coverage and Deductibles
A lot of people get confused about how their deductible works, so let’s clear the air: a high-deductible equals a lower monthly premium and vice versa.
As we’ve already touched on, your insurance company doesn’t like to pay out claims. It likes to reward customers who either won’t file claims at all or will only file less expensive claims if they have a high deductible.
But if you don’t have a little bit of money saved up for a rainy day, a higher deductible can make it very expensive for you to get back on the road quickly if you get into a serious accident.
Education in Springfield, IL
Springfield is a fairly well-educated city, given the fact that many of its higher education metrics are at least slightly above the state average.
This is especially true when it comes to residents who have at least one year or more of college experience, or who have already graduated with professional degrees such as a bachelor’s, a master’s, or a doctoral degree.
Well over 60 percent of the population has some sort of level of higher education, which means they’re likely to get a small discount off their monthly premiums.
Within the city limits of Springfield, you have a decent amount of higher education institutions to choose from. There is a Springfield campus of the University of Illinois which is a public institution, averages nearly 4,000 students per semester, and offers a good variety of higher-level degrees.
There are also a few technical institutes, as well as specialized schools such as St John’s College of Nursing or the St John’s Hospital School of Clinical Lab Science.
If you’re unhappy with the rate that your insurance company is charging you right now, you have every right to search for a better deal.
But keep in mind that it isn’t all about price – obviously, you want the most affordable rate, but you also want to make sure you’re dealing with an insurance company who will be there for you and provide exceptional customer service when you need it most.
We can help you find that perfect balance between quality coverage and bank-account-friendly rates. Just enter your zip code into the box on this page and we can get you a better deal in a matter of minutes!
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.