For a 40-year-old driver with a clean record, Springfield car insurance averages about $186 a month ($2,229 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 7% below the Illinois average of $201 a month. Full-coverage averages in Springfield run from about $112 to $287 a month across the four major insurers we compared (Allstate, Country Financial, GEICO and Progressive).
Springfield, the state capital, is priced below the Illinois average, at about $186 a month for full coverage. Our benchmark driver pays about $64 a month less here than in Chicago and about $3 a month more than in Decatur, about 40 miles east.
Our data covers six ZIP codes with a Springfield mailing address. They range from about $182 a month in 62711 to $194 in 62703.
Cost data comes from the auto rates insurers file with state regulators, priced across all six Springfield ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Springfield, IL?
Full coverage in Springfield averages $2,229 a year, or about $186 a month, for our benchmark driver. Liability-only coverage at 20/40/15 limits averages $760 a year ($63 a month), and 50/100/50 liability with comprehensive and collision averages $2,171 ($181 a month).
- Full coverage (100/300/100, $500 deductibles): $2,229 a year ($186 a month)
- 50/100/50 with $500 deductibles: $2,171 a year ($181 a month)
- Liability only (20/40/15): $760 a year ($63 a month)
- Sangamon County: $2,245 a year ($187 a month) for full coverage
- Illinois average: $2,406 a year ($201 a month) for full coverage
- ZIP code range: $182 (62711) to $194 (62703) a month for full coverage
Cheap Car Insurance in Springfield: Companies Compared
- Full-coverage range: about $112 to $287 a month across the four insurers in our rate data, for the same driver and car.
- Lowest liability-only average among the four major insurers we compared (20/40/15): GEICO, at about $53 a month, then Country Financial at $58.
- State Farm (Nov. 2025 rates)*: about $212 a month for full coverage, from its November 2025 rates.
- Also on our list: Travelers at about $127 a month, USAA at $142, AAA at $160, Erie at $176 and Auto-Owners at $177 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $287 a month.
Progressive’s Springfield average, about $112 a month, is 34% below GEICO’s ($169), a lead wide enough that we show the range instead of naming a single cheapest insurer. Among the published 2026 statewide Illinois rate studies we reviewed, the pick for cheapest full coverage is split between Travelers and GEICO. For liability-only coverage at 20/40/15 limits, GEICO has the lowest average among these four insurers, at about $53 a month, with Country Financial close behind at $58.
Full-coverage averages by insurer in Springfield
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/15 (Yearly): | Liability Only 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $766 | $64 | $1,342 | $112 |
| GEICO | $640 | $53 | $2,023 | $169 |
| Country Financial | $696 | $58 | $2,108 | $176 |
| Allstate | $938 | $78 | $3,445 | $287 |
| State Farm (Nov. 2025 rates)* | $701 | $58 | $2,540 | $212 |
| Travelers* | $896 | $75 | $1,518 | $127 |
| USAA (military families)* | $707 | $59 | $1,709 | $142 |
| AAA* | $887 | $74 | $1,914 | $160 |
| Erie Insurance* | $493 | $41 | $2,106 | $176 |
| Auto-Owners* | $621 | $52 | $2,119 | $177 |
| Springfield average | $760 | $63 | $2,229 | $186 |
This table uses Springfield ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Springfield Car Insurance Rates by ZIP Code
Across the six Springfield ZIP codes we price, full coverage for our driver ranges from about $182 a month in 62711 to $194 in 62703, a gap of $145 a year. 62711, on the west side, is the least expensive Springfield ZIP code in our data, and 62703, on the east and southeast side, is the most expensive.
Lowest-priced Springfield ZIP codes
Highest-priced Springfield ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Springfield’s average.
| ZIP Code: | Liability Only 20/40/15 (Yearly): | Liability Only 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 62702 | $774 | $65 | $2,208 | $184 | -1% |
| 62703 | $790 | $66 | $2,330 | $194 | +4% |
| 62704 | $772 | $64 | $2,198 | $183 | -2% |
| 62707 | $747 | $62 | $2,229 | $186 | About average |
| 62711 | $737 | $61 | $2,185 | $182 | -2% |
| 62712 | $740 | $62 | $2,226 | $186 | About average |
Your ZIP code matters
How Much More Does Better Coverage Cost in Springfield?
Raising liability limits from 50/100/50 to 100/300/100 adds only about $58 a year on average in our Springfield data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Progressive charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Springfield?
Not for our benchmark driver. Comparing the same insurers in the same Springfield ZIP codes, full coverage averaged $2,368 a year nine months earlier and $2,229 in rates as of Aug. 31, 2026, a 5.9% drop. Allstate’s Springfield average rose 1.3%, but Progressive’s fell 17.4%, Country Financial’s 8.3% and GEICO’s 5.9%. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/15 limits rose 0.3%, led by Progressive, which raised its liability-only average 4.1%.
What Shapes Car Insurance Costs in Springfield
Sangamon County averages about $187 a month for full coverage, the 44th-most expensive of the 83 Illinois counties we price. Macon County, home to Decatur, averages $182.
Nearby Sangamon County towns vary: Chatham averages about $181 a month, Rochester $187 and Sherman $194. Where you live is one of the factors Illinois insurers use, so your ZIP code can move your price.
How Springfield Car Insurance Compares With Other Illinois Cities
More Illinois cities and towns are in the Illinois rates by city table, and you can compare states on our car insurance rates by state page.
Decatur, about 40 miles east, averages $183 a month, and Bloomington, about 60 miles northeast, $164. Peoria averages $184 and Champaign $173.
What Car Insurance Is Required in Springfield?
Drivers in Springfield follow Illinois’ rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $20,000 per crash
- Uninsured motorist coverage of $25,000 per person and $50,000 per crash, for injuries
Underinsured motorist coverage is required only if you buy uninsured motorist limits above the minimum, and uninsured motorist property damage coverage is optional. Our Illinois requirements guide covers the details and what happens if you can’t prove coverage.
How to Lower Your Car Insurance Rate in Springfield
- Compare Progressive and GEICO first. They have the two lowest full-coverage averages among the four major insurers we compared in Springfield, about $112 and $169 a month.
- Quote several insurers. In our Springfield data, the lowest and highest insurer averages are about $175 a month apart for the same driver and car.
- Ask for a credit re-rate at renewal. Illinois insurers can use a credit-based insurance score as only one factor, and at renewal they must rerate your policy on an updated credit report if you ask.
- Compare at every renewal. Over the past nine months, Progressive has cut its Springfield average 17.4%, Country Financial 8.3% and GEICO 5.9%, while Allstate has raised its average 1.3%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Illinois, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Springfield Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 24 full-coverage premiums from four insurers across six Springfield ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Illinois averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/15 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Illinois’ minimum has been 25/50/20 since January 2015, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Illinois rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Illinois law and the Illinois Department of Insurance. We refresh these figures when new rate data is released.
Springfield Car Insurance FAQ
For our benchmark driver, full coverage in Springfield averages about $186 a month ($2,229 a year) and liability-only coverage at 20/40/15 limits about $63 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 7% below the Illinois average of $201 a month.
It depends on the coverage. For full coverage, averages in Springfield run from about $112 to $287 a month across the four major insurers we compared, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage at 20/40/15 limits, GEICO has the lowest average among the four major insurers we compared, at about $53 a month. The published 2026 statewide Illinois rate studies we reviewed are split between Travelers and GEICO as the cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Peoria, slightly, for our benchmark driver. Springfield full coverage averages about $186 a month and Peoria about $184, a difference of about $2 a month for the same driver and car.
In our data, 62711 has the lowest full-coverage average in Springfield, at about $182 a month, and 62703 the highest, at about $194. The ZIP code table on this page lists all six.
In our Springfield data, full coverage (100/300/100 with $500 deductibles) averages about $186 a month and liability-only coverage at 20/40/15 limits about $63, a difference of about $123 a month ($1,469 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Illinois law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Springfield full coverage fell 5.9% over the past nine months, from about $2,368 to $2,229 a year. Progressive cut its Springfield average 17.4%, Country Financial 8.3% and GEICO 5.9%, while Allstate raised its average 1.3%. Liability-only coverage at 20/40/15 limits rose 0.3%.
For our benchmark driver, full coverage in Springfield averages about $186 a month. Nearby, Decatur averages about $183, Bloomington about $164 and Peoria about $184. Decatur, Bloomington and Peoria are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
