Springfield Auto Insurance Rates, Quotes, Agents & Reviews in IL

Springfield, IL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Springfield, IL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Springfield, IL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Springfield, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Springfield, IL with that of other cities in and around Springfield.

Springfield Grandview Sangamon County Woodside Leland Grove Jerome
Average Insurance Rates $1,087 $1,184 $1,229 $1,203 $1,285 $1,205

Springfield, IL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Springfield, IL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Springfield $1,331 $1,124
Capital $1,337 $1,129
Leland Grove $2,068 $1,747
Grandview $1,398 $1,181
Jerome $1,919 $1,621
Southern View $1,918 $1,620
Sangamon County $1,820 $1,537
Woodside $1,934 $1,634

Springfield, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Springfield, IL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,527
20 Years $1,397
30 Years $1,076
40 Years $1,035
50 Years $958
60 Years $972
70 Years $1,131

Springfield, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Springfield, IL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,913 $261
3 Vehicles $2,870 $391
4 Vehicles $3,826 $522

Savings on 2 Vehicles bundle:$261

Savings on 3 Vehicles bundle:$391

Savings on 4 Vehicles bundle:$522


Springfield, IL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Springfield, IL.

Location Average Insurance Cost Post DUI Insurance Rate
Springfield $1,087 $1,765
Capital $1,222 $1,984
Leland Grove $1,285 $2,086
Grandview $1,184 $1,922
Jerome $1,205 $1,956
Southern View $1,195 $1,940
Sangamon County $1,229 $1,995
Woodside $1,203 $1,953

Springfield, IL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $933
Excellent (740-799) $1,065
Good (670-739) $1,133
Average (580-669) $1,478
Poor (300-579) $1,773

Springfield, IL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Jake Pembrook State Farm 3001 Spring Mill Dr, Springfield, 62704-6566 217-679-1151
Gillmore-Allen Insurance Agency Inc Travelers 605 Old Salem Rd, Petersburg, 62675 None
Goodenow Insurance Agency Inc Erie 1207 N 8TH, SPRINGFIELD, 62702 217-523-5443
Bill Mcgee State Farm 201 N Grand Ave W, Springfield, 62702-2550 217-522-7090
Steve Bedford State Farm 1041 Jason Pl, Chatham, 62629-2018 217-483-3711
Denton-Merritt-Dycus Insurance Agency Travelers 2800-3 SOUTH 6TH ST, SPRINGFIELD, 62703 217-528-0408
Christopher Winters Allstate 2707 W Washington St, Springfield, 62702 (217) 546-7300
R W Troxell & Company Liberty Mutual Independent 214 S GRAND AVE W, SPRINGFIELD, 62704 (217) 528-7533
Prairie State Insurance Agency Inc Travelers 430 E Vine St, Springfield, 62703 (217) 525-9500

Springfield, IL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$48 $1,135
Driver's Failure In Showing Documents +$105 $1,192
Driving With An Expired Registration +$112 $1,199
Driving At A Considerably Slow Pace +$236 $1,323
Using A Cellphone While Driving +$249 $1,336
Running A Red Light +$253 $1,340
Speeding +$266 $1,353
Driving A Vehicle Without The Required Permission +$338 $1,425
Driving With An Expired/Suspended License +$733 $1,820

Springfield, IL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,044
Active Disabling Device $1,044
Tracking Device $1,022
Passive Disabling Device $1,011

Latest Auto Insurance Reviews in Springfield, IL | Back to Top

State Farm
The deductible is good. So far I haven't had to pay a deductible for anything I've needed (e.g., windshield crack repair, road side assistance)
Farmer's Insurance
Their customer service has been great. I can call and talk with my agent about my policy and issues at any time.
State Farm
Our premium and deductible are fair enough. State Farm has always explained pros and cons of changing deductibles etc. I do feel that they have pressured us into higher rates and lower deductibles.
Aaa
We got all the same from our previous company but at a much lower price. Verry happy, but have not had to use them yet
Aaa
We got all the same from our previous company but at a much lower price. Verry happy, but have not had to use them yet
State Farm
My premium with Geico was over 260 dollars per month compared to my current rate of 140 monthly with State Farm. I have the same coverage as before PLUS road side assistance if necessary. I believe this is a fair rate or my coverage
State Farm
Honestly there is noting I don't like about State Farm, I have had them for 40+ years and I have checked around at different points for different insurance but I never leave them.
State Farm
Our insurance company has great customer support. They are very friendly and will answer all of your questions if they can. They usually take care of anything in 24hrs.
Metlife
My company has the best insurance policy compared to the ones available to me. This is why i chose them over others
State Farm
They rate about the same really. State Farm tends to give more discounts the longer you stay a customer. All State would be nice to have but is just way too expensive.
Farmer's Insurance
I really do not like anything about Farmer's insurance. I feel they are just as bad as any of the other big insurance companies
Geico
I am satisfied with this premium compared to other insurance companies because it offers me more discounts. It offers me some discounts based on my driving history and affiliation with a professional organization.