Car Insurance Cost in Springfield, IL – Cheapest Rates + Averages (2025)

• Average Springfield car insurance cost is $2,148 per year for a full coverage policy. Average cost per month is approximately $179.
• Auto insurance rates for a few popular models in Springfield include the Jeep Cherokee at $193 per month, Ford Escape at $164, and Nissan Altima at $194.
• Compact crossover SUVs like the Nissan Kicks, Chevrolet Trailblazer, Hyundai Venue, and Ford Bronco Sport are some of our top picks for having cheap car insurance in Springfield.

What is average car insurance cost in Springfield?

Average car insurance rates in Springfield cost $2,148 per year, or about $179 per month. When compared to the overall U.S. national average rate, Springfield car insurance cost is 5.8% cheaper per year.

In the state of Illinois, the average car insurance expense is $2,304 per year, so the cost in Springfield averages $156 less per year. When prices are compared to other locations in Illinois, the cost to insure a car in Springfield is $122 per year less than in Joliet, $82 per year less than in Rockford, and $444 per year less than in Chicago.

The chart below shows average auto insurance cost in Springfield, IL, for all 2024 models. Rates are averaged for all Springfield Zip Codes and shown not only by the age of the driver, but also by three different policy deductible limits.

Average car insurance rates in the chart above range from $1,506 per year for a high deductible policy for a 60-year-old driver to $5,026 per year for a 20-year-old driver with low physical damage deductibles.

From a monthly budgeting standpoint, the average cost of car insurance per month in Springfield ranges from $126 to $419.

Auto insurance rates are priced differently for every driver and seemingly inconsequential changes in a driver’s risk profile can have measureable effects on car insurance cost. The possibility of a wide range of rates reinforces the need to get accurate car insurance quotes when shopping online for cheaper car insurance in Springfield.

The age of the driver influences the price you pay for car insurance, so the list below details how driver age influences cost by showing average car insurance rates in Springfield for drivers from 16 to 60.

Car insurance cost in Springfield, IL, for drivers age 16 to 60

• 16 year old – $7,650 per year or $638 per month
• 17 year old – $7,413 per year or $618 per month
• 18 year old – $6,642 per year or $554 per month
• 19 year old – $6,050 per year or $504 per month
• 20 year old – $4,322 per year or $360 per month
• 30 year old – $2,292 per year or $191 per month
• 40 year old – $2,148 per year or $179 per month
• 50 year old – $1,904 per year or $159 per month
• 60 year old – $1,782 per year or $149 per month

Insurance rates for Springfield’s favorite vehicles

The rates mentioned previously are the average cost across all 2024 model year vehicles, which is suitable for making broad comparisons like the difference in average car insurance cost by location or driver age.

But for more comprehensive price comparisons, the cost data will be more precise if we analyze the specific model of vehicle being insured. Later on in this article, we explore all kinds of rates for different makes and models, but for now, a few of the most popular models will be used to discover how auto insurance rates size up in Springfield.

This next chart breaks down average insurance rates for popular cars, trucks, and SUVs on the streets and highways of Springfield. Towards the end of this article, we’ll cover insurance cost for a few of these models even more in-depth.

Vehicles that are popular in Springfield tend to be compact and midsize sedans like the Nissan Sentra, Toyota Corolla, and Nissan Altima and compact or midsize SUVs like the Chevy Equinox and Ford Explorer.

Additional popular models from different automotive segments include luxury models like the Tesla Model S, Lexus RX 350, and BMW X5 and sports cars like the Porsche 911, Nissan GT-R, and Ford Mustang.

We will cover rates in much more detail a little farther down this article, but before we do that, let’s revisit the comparisons and key concepts that were presented up to this point.

• Springfield car insurance rates are cheaper than the Illinois state average – $2,148 (Springfield average) versus $2,304 (Illinois average)
• Insuring teen drivers can cost a lot – Rates range from $5,117 to $7,650 per year to insure a teenage driver in Springfield, Illinois.
• Auto insurance with low deductibles costs more – A 20-year-old driver pays an average of $1,154 more per year for a policy with $250 deductibles versus $1,000 deductibles.
• Springfield average car insurance cost is less than the U.S. average – $2,148 (Springfield average) compared to $2,276 (U.S. average)
• Auto insurance gets cheaper as you age – Car insurance rates for a 50-year-old driver in Springfield are $2,418 per year cheaper than for a 20-year-old driver.

In Springfield, which vehicles are cheapest to insure?

The models with the cheapest average insurance rates in Springfield, IL, tend to be small SUVs like the Kia Soul, Subaru Crosstrek, Toyota Corolla Cross, and Nissan Kicks.

Average car insurance quotes for those small SUVs cost $1,744 or less per year ($145 per month) to have full coverage.

Some additional vehicles that have very good insurance prices in the cost comparison table below are the Volkswagen Tiguan, Buick Encore, Kia Niro, and Toyota GR Corolla. Insurance is marginally higher for those models than the crossovers and compact SUVs at the top of the list, but they still have average rates of $1,868 or less per year in Springfield.

The following table breaks down the top 50 models with the cheapest car insurance rates in Springfield, sorted by annual and monthly insurance cost.

The above table containing 50 vehicle models with cheap Springfield car insurance is fine if you just want the lowest rates. A more useful way to group and rank rates for different vehicles is to organize them by automotive segment. The six sections below show the models with the cheapest insurance rates in Springfield for the most popular vehicle segments.

Cars with the cheapest auto insurance in Springfield, IL

The lowest-cost non-luxury two and four door cars to insure in Springfield are the Toyota GR Corolla at $1,868 per year, the Nissan Leaf at $1,882 per year, and the Honda Civic at $1,902 per year.

Not the cheapest to insure, but still ranked well, are cars like the Honda Accord, Kia K5, Toyota Prius, and Chevrolet Malibu, with an average cost to insure of $2,092 per year or less.

Ranked in the lower half of the top 20, cars like the Mazda 3, Nissan Versa, Volkswagen Jetta, Toyota Crown, Kia Forte, and Subaru Legacy cost between $2,092 and $2,222 per year for auto insurance.

As a cost per month, auto insurance rates in Springfield on this segment for a safe driver can cost as low as $156 per month, depending on where you live.

When prices are compared by vehicle size, the cheapest non-luxury compact car to insure in Springfield is the Toyota GR Corolla at $1,868 per year. For midsize 2024 models, the Kia K5 is the cheapest model to insure at $2,070 per year. And for large cars, the Chrysler 300 has the cheapest car insurance rates at $2,044 per year.

The comparison table below ranks the twenty cars with the lowest-cost car insurance rates in Springfield, starting with the Toyota GR Corolla at $1,868 per year and ending with the Mazda 3 at $2,222 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see insurance cost for your vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Springfield car insurance quotes from top car insurance companies in Illinois.

Non-luxury SUVs with cheap auto insurance in Springfield

The most affordable non-luxury SUVs to insure in Springfield are the Subaru Crosstrek at $1,586 per year, the Chevrolet Trailblazer at $1,612 per year, and the Kia Soul at $1,674 per year.

Rounding out the top 10 are SUVs like the Hyundai Venue, Buick Envision, Toyota Corolla Cross, and Ford Bronco Sport, with an average car insurance cost of $1,758 per year or less.

In the lower half of the top 20 SUVs to insure, models like the Honda CR-V, Subaru Ascent, Volkswagen Tiguan, Honda HR-V, Kia Niro, and Nissan Murano average between $1,758 and $1,870 per year to insure.

Auto insurance in Springfield for this segment for a middle-age safe driver will start around $132 per month, depending on the company and where you live. The table below ranks the SUVs with the cheapest car insurance in Springfield.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Is your SUV not in the list? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Springfield car insurance quotes from top companies in Illinois.

Luxury cars with affordable insurance rates

Ranked at #1 in Springfield for the lowest-cost average insurance in the luxury SUV segment is the Acura RDX, costing an average of $1,796 per year. Second place is the Lexus NX 250 at $1,902 per year, and third place goes to the Cadillac XT4, at an average of $1,940 per year.

Also ranking in the top 10 are models like the Mercedes-Benz GLB 250, Lexus UX 250h, Lexus NX 450h, and Lincoln Corsair, with an average cost of $2,072 per year or less.

Some additional models worth mentioning include the Infiniti QX50, Lexus NX 350, Infiniti QX60, Mercedes-Benz AMG GLB35, and Mercedes-Benz GLA250, which cost between $2,072 and $2,158 to insure per year.

As a cost per month, full-coverage auto insurance on this segment in Springfield starts at an average of $150 per month, depending on where you live. The next table ranks the twenty luxury SUVs with the most affordable insurance rates in Springfield, starting with the Acura RDX at $1,796 per year and ending with the Lexus RX 350 at $2,158 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Is your vehicle not in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Springfield car insurance quotes from the best companies in Illinois.

Luxury SUVs with cheap auto insurance rates in Springfield

Ranking at the top of the list for the cheapest Springfield auto insurance rates in the luxury SUV segment are the Cadillac XT5, Jaguar E-Pace, Cadillac XT4, Lexus NX 250, and Acura RDX. Car insurance prices for these 2024 models average $2,026 or less per year.

Also ranking well are luxury SUVs like the Lexus NX 350h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus UX 250h, with average rates of $2,072 per year or less.

Additional 2024 luxury models on the list include the Lexus RX 350, Mercedes-Benz AMG GLB35, Cadillac XT6, Infiniti QX60, and Lexus NX 350, which average between $2,072 and $2,158 per year for insurance in Springfield.

From a monthly standpoint, full-coverage insurance on this segment in Springfield for a safe driver will start around $150 per month, depending on where you live and the company you use. The comparison table below ranks the twenty SUVs with the most affordable insurance in Springfield, starting with the Acura RDX at $1,796 per year ($150 per month) and ending with the Lexus RX 350 at $2,158 per year ($180 per month).

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Is your luxury SUV missing from the table above? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Springfield car insurance quotes from top-rated car insurance companies in Illinois.

Pickups with cheap auto insurance in Springfield

Ranked at #1 in Springfield for cheapest auto insurance rates in the pickup segment is the Chevrolet Colorado, with an average cost of $1,892 per year. Second place is the Nissan Titan costing $2,010 per year, third place goes to the Nissan Frontier, at an average of $2,030 per year, and fourth place goes to the Ford Ranger, at an average of $2,054 per year.

Not the cheapest, but still in the top 10, are trucks like the Toyota Tacoma, Hyundai Santa Cruz, Honda Ridgeline, and GMC Sierra 2500 HD, with an average car insurance cost of $2,212 per year or less.

As a cost per month, full-coverage insurance in this segment for an average middle-age driver starts at around $158 per month, depending on where you live and the company you use.

The rate comparison table below ranks the twenty pickups with the most affordable average insurance rates in Springfield, starting with the Chevrolet Colorado at $1,892 per year and ending with the Ram Truck at $2,486 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your truck in the table above? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Springfield car insurance quotes from top-rated car insurance companies in Illinois.

Sports cars with cheap car insurance

The top-ranked vehicle in Springfield for cheapest average insurance in the sports car segment is the Mazda MX-5 Miata, at $1,988 per year. Second place is the Toyota GR86 at $2,262 per year, ranking third is the Ford Mustang, at an average of $2,360 per year, and ranking fourth is the BMW Z4, costing an average of $2,374 per year.

Rounding out the top 10 are models like the Nissan Z, Lexus RC F, Toyota GR Supra, and BMW M2, with average annual insurance rates of $2,568 per year or less.

From a cost per month standpoint, car insurance in this segment for a middle-age safe driver will start around $166 per month, depending on the company and your location. The comparison table below ranks the twenty sports cars with the lowest-cost car insurance in Springfield, starting with the Mazda MX-5 Miata at $1,988 per year and ending with the Porsche Taycan at $3,638 per year.

Is your vehicle not in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Springfield.

Tips for finding cheaper Springfield auto insurance quotes

Springfield drivers should always be searching for ways to reduce their monthly insurance expenses. So take a minute to review the money-saving ideas below and maybe you can save some money the next time you need to insure a vehicle.

• Your job could reduce your rates. Just about all car insurance providers offer discounts for certain occupations like scientists, dentists, accountants, nurses, high school and elementary teachers, and others. Getting this discount applied to your policy could save between $64 and $209 on your annual premium, depending on the policy coverages selected.
• Buy vehicles with more affordable insurance. The make and model of vehicle you drive is an important factor in the price you pay for car insurance in Springfield. For example, a Kia Soul costs $728 less per year to insure in Springfield than a Nissan 370Z. Lower performance vehicles cost less to insure.
• Remain claim free. Most auto insurance companies offer discounts for not filing any claims. Auto insurance should only be used for large financial hits, not for small claims.
• Remove optional coverage on older vehicles. Removing physical damage coverage from vehicles that are older can reduce the cost of insurance substantially.
• More discounts equals more savings. Savings may be available if the policyholders are military or federal employees, are good students, take a defensive driving course, choose electronic billing, or many other discounts which could save the average Springfield driver as much as $362 per year.