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.
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 Rates
- Springfield, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Springfield, IL
- Multi Vehicle Insurance Savings in Springfield, IL
- How Credit Score Affects Car Insurance Rates in Springfield, IL
- How DUI Affects Auto Insurance Premiums in Springfield, IL
- Top Auto Insurance Agents Near Springfield, IL
- How Driving Violations Affect Auto Insurance Rates in Springfield, IL
- Springfield, IL Auto Insurance Discounts on Anti Theft Feature
- Springfield, IL Auto Insurance Company Reviews
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 FarmThe 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 InsuranceTheir customer service has been great. I can call and talk with my agent about my policy and issues at any time.
State FarmOur 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.
AaaWe got all the same from our previous company but at a much lower price. Verry happy, but have not had to use them yet
AaaWe 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 FarmMy 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 FarmHonestly 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 FarmOur 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.
MetlifeMy company has the best insurance policy compared to the ones available to me. This is why i chose them over others
State FarmThey 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 InsuranceI really do not like anything about Farmer's insurance. I feel they are just as bad as any of the other big insurance companies
GeicoI 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.