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

Is auto insurance expensive in Springfield, IL? We compare insurance rates for over 150 cars, trucks, and SUVs to reveal the models with the cheapest car insurance cost.

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What is average car insurance cost in Springfield?

Average car insurance rates in Springfield cost $2,104 per year, or about $175 per month. When compared to the overall U.S. national average rate, Springfield car insurance cost is 5.4% cheaper per year.

In the state of Illinois, the average car insurance expense is $2,262 per year, so the cost in Springfield averages $158 less per year. When prices are compared to other locations in Illinois, the cost to insure a car in Springfield is $120 per year less than in Joliet, $80 per year less than in Rockford, and $446 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 full-coverage car insurance premium in Springfield, IL for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Springfield, IL for different ages of drivers. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Springfield, IL Zip Codes.

Average Car Insurance Cost in Springfield, IL
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,580$298
$500$4,232$353
$250$4,922$410
30$1,000$1,880$157
$500$2,244$187
$250$2,622$219
40$1,000$1,770$148
$500$2,104$175
$250$2,452$204
50$1,000$1,576$131
$500$1,864$155
$250$2,166$181
60$1,000$1,474$123
$500$1,746$146
$250$2,026$169

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Springfield, IL Zip Codes. Updated June 26, 2025

Average car insurance rates in the chart above range from $1,474 per year for a high deductible policy for a 60-year-old driver to $4,922 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 $123 to $410.

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 – $7,494 per year or $625 per month
  • 17 year old – $7,259 per year or $605 per month
  • 18 year old – $6,505 per year or $542 per month
  • 19 year old – $5,924 per year or $494 per month
  • 20 year old – $4,232 per year or $353 per month
  • 30 year old – $2,244 per year or $187 per month
  • 40 year old – $2,104 per year or $175 per month
  • 50 year old – $1,864 per year or $155 per month
  • 60 year old – $1,746 per year or $146 per month

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.

Average cost to insure popular 2024 model year vehicles in Springfield.
Figure 2: Average cost to insure popular 2024 model year vehicles in Springfield. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Springfield Zip Codes.

Springfield, Illinois Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,554$130
Honda CR-V$1,792$149
Nissan Rogue$1,890$158
Toyota RAV4$1,940$162
Ford Ranger$2,010$168
Honda Pilot$2,048$171
Toyota Corolla$2,052$171
Hyundai Santa Fe$2,140$178
Toyota 4Runner$2,256$188
Toyota Camry$2,260$188
Hyundai Elantra$2,286$191
Chevrolet Silverado$2,326$194
Ford F150$2,354$196
Jeep Wrangler$2,402$200
Ram Truck$2,432$203

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Springfield, IL Zip Codes. Updated June 27, 2025

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 – $2,104 (Springfield average) versus $2,262 (Illinois average)
  • Insuring teen drivers can cost a lot – Rates range from $5,011 to $7,494 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 $1,128 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 – $2,104 (Springfield average) compared to $2,221 (U.S. average)
  • Auto insurance gets cheaper as you age – Car insurance rates for a 50-year-old driver in Springfield are $2,368 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 $1,706 or less per year ($142 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 Honda HR-V. 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 $1,830 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.

Cheapest Car Insurance Rates in Springfield, Illinois
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,554$130
2Chevrolet Trailblazer$1,580$132
3Kia Soul$1,642$137
4Nissan Kicks$1,656$138
5Honda Passport$1,676$140
6Buick Envision$1,686$141
7Toyota Corolla Cross$1,694$141
8Hyundai Venue$1,706$142
9Mazda CX-5$1,716$143
10Ford Bronco Sport$1,722$144
11Volkswagen Tiguan$1,740$145
12Acura RDX$1,760$147
13Nissan Murano$1,766$147
14Buick Encore$1,786$149
15Honda CR-V$1,792$149
16Subaru Outback$1,792$149
17Buick Envista$1,798$150
18Volkswagen Taos$1,802$150
19Kia Niro$1,810$151
20Toyota GR Corolla$1,828$152
21Honda HR-V$1,830$153
22Subaru Ascent$1,832$153
23Nissan Leaf$1,842$154
24Chevrolet Colorado$1,852$154
25Honda Civic$1,860$155
26Lexus NX 250$1,864$155
27Volkswagen Atlas$1,866$156
28Acura Integra$1,868$156
29Subaru Forester$1,872$156
30Volkswagen Atlas Cross Sport$1,876$156
31Kia Seltos$1,878$157
32GMC Terrain$1,882$157
33Nissan Rogue$1,890$158
34Hyundai Kona$1,894$158
35Mazda CX-30$1,896$158
36Cadillac XT4$1,898$158
37Volkswagen ID4$1,906$159
38Ford Explorer$1,908$159
39Toyota Highlander$1,912$159
40Ford Escape$1,918$160
41Honda Odyssey$1,920$160
42Toyota Venza$1,922$160
43Nissan Sentra$1,928$161
44Subaru Impreza$1,934$161
45Chevrolet Equinox$1,936$161
46Toyota RAV4$1,940$162
47Mazda MX-5 Miata$1,946$162
48Mazda MX-30$1,950$163
49Hyundai Tucson$1,956$163
50Chevrolet Traverse$1,964$164

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, IL Zip Codes. Updated June 27, 2025

Top 50 cheapest vehicles to insure in Springfield, IL with the Subaru Crosstrek ranking first at $1,554 per year
Top 50 cheapest vehicles to insure in Springfield, IL with the Subaru Crosstrek ranking first at $1,554 per year

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 $1,828 per year, the Nissan Leaf at $1,842 per year, and the Honda Civic at $1,860 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 $2,052 per year or less.

Ranked in the lower half of the top 20, cars like the Mazda 3, Nissan Versa, Toyota Crown, Volkswagen Jetta, Kia Forte, and Subaru Legacy cost between $2,052 and $2,174 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 $152 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 $1,828 per year. For midsize 2024 models, the Kia K5 is the cheapest model to insure at $2,026 per year. And for large cars, the Chrysler 300 has the cheapest car insurance rates at $2,004 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 $1,828 per year and ending with the Mazda 3 at $2,174 per year.

Cheapest Cars to Insure in Springfield, IL
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,828$152
Nissan LeafCompact$1,842$154
Honda CivicCompact$1,860$155
Nissan SentraCompact$1,928$161
Subaru ImprezaCompact$1,934$161
Toyota PriusCompact$1,964$164
Kia K5Midsize$2,026$169
Honda AccordMidsize$2,032$169
Chevrolet MalibuMidsize$2,042$170
Toyota CorollaCompact$2,052$171
Kia ForteCompact$2,054$171
Volkswagen ArteonMidsize$2,068$172
Nissan VersaCompact$2,072$173
Subaru LegacyMidsize$2,076$173
Hyundai Ioniq 6Midsize$2,092$174
Mitsubishi Mirage G4Compact$2,122$177
Toyota CrownMidsize$2,128$177
Volkswagen JettaCompact$2,128$177
Hyundai SonataMidsize$2,132$178
Mazda 3Compact$2,174$181

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, IL Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Springfield, IL, with the Toyota GR Corolla ranking first at $1,828 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Springfield, IL, with the Toyota GR Corolla ranking first at $1,828 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 $1,554 per year, the Chevrolet Trailblazer at $1,580 per year, and the Kia Soul at $1,642 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 $1,722 per year or less.

In the lower half of the top 20 SUVs to insure, models like the Subaru Outback, Subaru Ascent, Volkswagen Tiguan, Honda HR-V, Kia Niro, and Nissan Murano average between $1,722 and $1,832 per year to insure.

Auto insurance in Springfield for this segment for a middle-age safe driver will start around $130 per month, depending on the company and where you live. The table below ranks the SUVs with the cheapest car insurance in Springfield.

Cheapest SUVs to Insure in Springfield, IL
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,554$130
Chevrolet TrailblazerCompact$1,580$132
Kia SoulCompact$1,642$137
Nissan KicksCompact$1,656$138
Honda PassportMidsize$1,676$140
Buick EnvisionCompact$1,686$141
Toyota Corolla CrossCompact$1,694$141
Hyundai VenueCompact$1,706$142
Mazda CX-5Compact$1,716$143
Ford Bronco SportCompact$1,722$144
Volkswagen TiguanCompact$1,740$145
Nissan MuranoMidsize$1,766$147
Buick EncoreCompact$1,786$149
Honda CR-VCompact$1,792$149
Subaru OutbackMidsize$1,792$149
Buick EnvistaMidsize$1,798$150
Volkswagen TaosCompact$1,802$150
Kia NiroCompact$1,810$151
Honda HR-VCompact$1,830$153
Subaru AscentMidsize$1,832$153

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, IL Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Springfield, IL, with the Subaru Crosstrek ranking first at $1,554 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Springfield, IL, with the Subaru Crosstrek ranking first at $1,554 per year.

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 $1,760 per year. Second place is the Lexus NX 250 at $1,864 per year, and third place goes to the Cadillac XT4, at an average of $1,898 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 $2,028 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 $2,028 and $2,112 to insure per year.

As a cost per month, full-coverage auto insurance on this segment in Springfield starts at an average of $147 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 $1,760 per year and ending with the Lexus RX 350 at $2,112 per year.

Cheapest Luxury Cars to Insure in Springfield, IL
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,868$156
BMW 330iCompact$2,140$178
Mercedes-Benz CLA250Midsize$2,164$180
Lexus IS 300Midsize$2,168$181
Acura TLXCompact$2,176$181
Cadillac CT4Compact$2,196$183
Lexus ES 350Midsize$2,196$183
Genesis G70Compact$2,202$184
Mercedes-Benz AMG CLA35Midsize$2,206$184
Lexus RC 300Midsize$2,210$184
Lexus IS 350Compact$2,220$185
Jaguar XFMidsize$2,224$185
Cadillac CT5Midsize$2,266$189
Lexus ES 250Midsize$2,276$190
Lexus RC 350Compact$2,282$190
BMW 330eCompact$2,284$190
BMW 228iCompact$2,288$191
BMW 230iCompact$2,306$192
Lexus ES 300hMidsize$2,310$193
Audi S3Compact$2,358$197

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, IL Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Springfield, IL, with the Acura Integra ranking first at $1,868 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Springfield, IL, with the Acura Integra ranking first at $1,868 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 $1,984 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 $2,028 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 $2,028 and $2,112 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 $147 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 $1,760 per year ($147 per month) and ending with the Lexus RX 350 at $2,112 per year ($176 per month).

Cheapest Luxury SUVs to Insure in Springfield, IL
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,760$147
Lexus NX 250Compact$1,864$155
Cadillac XT4Compact$1,898$158
Jaguar E-PaceMidsize$1,966$164
Cadillac XT5Midsize$1,984$165
Lexus NX 350hCompact$1,984$165
Lincoln CorsairCompact$2,008$167
Mercedes-Benz GLB 250Compact$2,014$168
Lexus UX 250hCompact$2,016$168
Lexus NX 450hCompact$2,028$169
Infiniti QX50Midsize$2,046$171
Mercedes-Benz GLA250Compact$2,050$171
Cadillac XT6Midsize$2,058$172
Mercedes-Benz GLA35 AMGCompact$2,058$172
Infiniti QX60Midsize$2,070$173
Mercedes-Benz AMG GLB35Midsize$2,072$173
Land Rover EvoqueCompact$2,100$175
Acura MDXMidsize$2,102$175
Lexus NX 350Compact$2,108$176
Lexus RX 350Midsize$2,112$176

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, IL Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Springfield, IL, with the Acura RDX ranking first at $1,760 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Springfield, IL, with the Acura RDX ranking first at $1,760 per year.

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 $1,852 per year. Second place is the Nissan Titan costing $1,970 per year, third place goes to the Nissan Frontier, at an average of $1,988 per year, and fourth place goes to the Ford Ranger, at an average of $2,010 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 $2,162 per year or less.

As a cost per month, full-coverage insurance in this segment for an average middle-age driver starts at around $154 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 $1,852 per year and ending with the Ram Truck at $2,432 per year.

Cheapest Pickups to Insure in Springfield, IL
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,852$154
Nissan TitanFull-size$1,970$164
Nissan FrontierMidsize$1,988$166
Ford RangerMidsize$2,010$168
Ford MaverickMidsize$2,040$170
Honda RidgelineMidsize$2,086$174
Hyundai Santa CruzMidsize$2,122$177
Toyota TacomaMidsize$2,132$178
GMC Sierra 2500 HDHeavy Duty$2,138$178
GMC CanyonMidsize$2,162$180
Jeep GladiatorMidsize$2,218$185
GMC Sierra 3500Heavy Duty$2,230$186
Chevrolet Silverado HD 3500Heavy Duty$2,252$188
Chevrolet Silverado HD 2500Heavy Duty$2,312$193
GMC SierraFull-size$2,324$194
Chevrolet SilveradoFull-size$2,326$194
Nissan Titan XDHeavy Duty$2,326$194
Ford F150Full-size$2,354$196
GMC Hummer EV PickupFull-size$2,412$201
Ram TruckFull-size$2,432$203

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, IL Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Springfield, IL, with the Chevrolet Colorado ranking first at $1,852 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Springfield, IL, with the Chevrolet Colorado ranking first at $1,852 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 $1,946 per year. Second place is the Toyota GR86 at $2,216 per year, ranking third is the Ford Mustang, at an average of $2,312 per year, and ranking fourth is the BMW Z4, costing an average of $2,324 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 $2,516 per year or less.

From a cost per month standpoint, car insurance in this segment for a middle-age safe driver will start around $162 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 $1,946 per year and ending with the Porsche Taycan at $3,564 per year.

Cheapest Sports Cars to Insure in Springfield, IL
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,946$162
Toyota GR86Sports Car$2,216$185
Ford MustangSports Car$2,312$193
BMW Z4Sports Car$2,324$194
Subaru WRXSports Car$2,360$197
Toyota GR SupraSports Car$2,362$197
BMW M2Sports Car$2,432$203
Nissan ZSports Car$2,436$203
Lexus RC FSports Car$2,486$207
Subaru BRZSports Car$2,516$210
BMW M3Sports Car$2,658$222
Porsche 718Sports Car$2,710$226
Chevrolet CamaroSports Car$2,732$228
Chevrolet CorvetteSports Car$2,914$243
Porsche 911Sports Car$3,014$251
BMW M4Sports Car$3,140$262
Lexus LC 500Sports Car$3,158$263
Jaguar F-TypeSports Car$3,320$277
Mercedes-Benz AMG GT53Sports Car$3,482$290
Porsche TaycanSports Car$3,564$297

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, IL Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Springfield, IL, with the Mazda MX-5 Miata ranking first at $1,946 per year.
Ranking of the cheapest sports cars to insure in Springfield, IL, with the Mazda MX-5 Miata ranking first at $1,946 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 $63 and $205 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 $708 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 $356 per year.