Best Springfield, IL Auto Insurance in 2024 (Find the Top 10 Companies Here)

State Farm is the top choice for the best Springfield, IL auto insurance, offering comprehensive coverage and strong customer service. Progressive and Erie follow closely with affordable options and a wide range of Springfield car insurance options suitable for different needs.

This article will help you understand what makes these companies stand out and which may guide you in choosing the right coverage for your needs.

Our Top 10 Company Picks: Best Springfield, IL Auto Insurance

Compare rates from top insurance providers in Springdale, IL, by entering your Springdale ZIP code using our free quoting tool above.

#1 – State Farm: Top Overall Pick

Pros

• Trusted Service: With over many decades in business, State Farm has a reputation for delivering consistent and reliable insurance service to car owners in Springdale, IL.
• Discount for Safe Vehicles: For auto insurance in Springdale, State Farm offers discounts to clients who have vehicles with the latest safety features installed, thus encouraging safe-minded people.
• Steer Clear Program: State Farm’s Steer Clear program helps young drivers in Springdale save money by encouraging safe driving and rewarding good insurance records.

Cons

• Fewer Specialized Discounts: State Farm doesn’t offer some of the specialized auto insurance discounts available elsewhere, so savers in Springdale, IL, cannot save as much in these areas.
• Premiums May Be Higher for Younger Drivers: Young drivers in Springdale with limited experience may find auto insurance expensive. Elevate your knowledge with our “State Farm Review.”

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#2 – Progressive: Best for Competitive Rates

Pros

• Affordable Pricing: Progressive is one of the providers that offers lower rates. Therefore, this company is a first choice for Springdale car owners seeking affordable auto insurance.
• Multi-Vehicle Discount: Progressive offers discounts on car insurance for households in Springdale, IL, with multiple vehicles. Our “Progressive Auto Insurance Review” provides further insights.
• Snapshot Telematics Program: Progressive’s Snapshot program rewards Springdale drivers with insurance discounts for safe driving, helping to lower costs.

Cons

• Inconsistent Claims Experience: Some claimants find Springdale inconsistent in its response, and their insurance claims may go through a slow-track process or not even reach the processing desks.
• Limited In-Person Support: Progressive’s limited local presence in Springdale, IL, means drivers may rely more on online or phone support, which may not suit everyone.

#3 – Erie: Best for Youth Discounts

Pros

• Youthful Driver Savings: Erie offers car insurance discounts for drivers under 25, making it a great choice in Springdale, IL. For additional information, read our “Erie Auto Insurance Review.”
• Pay-in-Full Discount: Springdale car owners who pay their insurance premiums in full upfront can take advantage of additional savings with Erie, reducing long-term costs.
• Vehicle Safety Discounts: Erie offers lower auto insurance rates to Springdale customers who own cars with safety features.

Cons

• Limited Availability in Some Areas: Erie insurance services are not offered throughout Springdale, IL, which limits their supply for some people.
• Fewer Digital Tools: Erie’s online tools and mobile app aren’t as robust as some insurance competitors, which may disadvantage tech-savvy Springdale car owners.

#4 – Geico: Best for Special Discounts

Pros

• Military and Federal Employee Discounts: Geico provides excellent insurance discounts only for military and federal employees, which puts it at the top of the list of eligible Springdale drivers.
• Multi-Vehicle Savings: Springdale car owners with more than one car through Geico get great savings on car insurance, which makes this a very affordable option for a family with multiple cars.
• Federal Employee Benefits: Geico offers exclusive auto insurance savings for Springdale government employees. For additional insights, refer to our “Geico Auto Insurance Review.”

 Cons

• Less Personal Touch: Geico’s largely online operation often reveals a lack of personalized insurance service for its customers, which will not please every vehicle owner in Springdale, IL.
• Claims Processing Delays: Those insured under Geico of Springdale have expressed long waiting times when filling car insurance claims as the major disadvantage.

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#5 – Travelers: Best for Comprehensive Coverage

Pros

• Extensive Coverage Options: Travelers offers various coverage options, so Springdale, Illinois residents can get the desired automobile insurance.
• Discount for Hybrid Vehicles: Springdale customers who buy hybrid automobiles may qualify for a discount on their automobile insurance to help them save money while maintaining sustainability.
• Early Quote Discount: It offers discounts to Springdale residents who buy their insurance years in advance, helping them save money.

Cons

• Higher Initial Premiums: Some Springdale, IL motorists may find that Travelers’ initial premiums are higher than other providers, though savings may increase over time.
• Limited Discounts for Young Drivers: It offers limited discounts for young drivers in Springdale, IL, making it less accessible. Explore further details in our “Travelers Auto Insurance Review.”

#6 – American Family: Best for Personalized Policies

Pros

• Customizable Coverage: American Family allows customers to pick what they want, and vehicle owners in Springdale, IL, can pick what suits them the best.
• Generational Discount: Its car insurance helps Springdale families save by insuring multiple generations and their vehicles. Read our “American Family Auto Insurance Review” to find out more.
• Defensive Driving Discount: Springdale residents must enroll in a defensive driving lesson for insurance deals to be safe and save their hard-earned cash on insurance.

Cons

• Higher Premiums for High-Risk Drivers: The American Family would charge a higher premium to Springdale’s high-risk users because they have had accidents or committed violations in the past.
• Limited Availability of Discounts for First-Time Policyholders: New customers may not immediately qualify for the full range of discounts, which could increase Springdale customers’ initial costs.

#7 – USAA: Best for Military Drivers

Pros

• Exclusive Military Discounts: USAA offers exclusive deals for military personnel, making it the number one company for Springdale’s veterans who have served in the armed forces.
• Defensive Driving Discount: USAA offers Springdale customers a discount if they take a defensive driving course.
• Bundling Opportunities: USAA offers great savings for Springdale customers who bundle auto and home insurance. For a broader perspective, learn more about our “USAA Auto Insurance Review.”

Cons

• Limited to Military Families: It only specializes in providing car insurance to military families, and by this, the non-military people of Springdale, IL, are automatically ruled out from its list of services.
• Online-Only Claims: USAA primarily handles insurance claims online, which might not be ideal for Springdale, Illinois, drivers who prefer direct, in-person support during the claims process.

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#8 – Safeco: Best for Flexible Options

Pros

• Flexible Coverage Options: Safeco lets Springdale, IL, customers select coverage tailored to their needs. Read further to discover more about our “Safeco Auto Insurance Review.”
• Teen Safety Discount: The company offers discounts to Springdale families with young drivers after completing a teen safety course to ensure safe driving and, therefore, insurance prices.
• Bundling Discount: Springdale, IL residents can save 15% on auto and home bundles with Safeco’s 15% multi-line discount, which allows them to save money on multiple policies.

Cons

• Higher Premiums for Certain Groups: Springdale customers, especially those with a low credit history, will likely find that their Safeco policies cost them much more.
• Less Availability of Local Offices: With fewer offices in Springdale, Illinois, by Safeco, there is less opportunity to encounter live service providers for car insurance by drivers.

#9 – Nationwide: Best for Innovative Technology

Pros

• SmartRide Program: Its SmartRide program tracks driving habits and offers insurance discounts for safe driving, which is ideal for Springdale drivers who want to take benefit of modern technology.
• Telematics Discount: Springdale, IL, Customers who participate in the telematics program provided by Nationwide can save on their car insurance depending on their driving actions.
• Accident-Free Discount: It offers a discount for Springdale drivers without accident records as a reward for safe driving. Discover a wealth of knowledge in our “Nationwide Auto Insurance Review.”

Cons

• Premium Rates Can Be High: Its premium rates are much higher than those of other insurance companies in Springdale, IL, making it hard for those on tight budgets with limited budgets.
• The Claims Process Can Be Slow: Drivers in Springdale have reported delays in the auto insurance claims process, which can frustrate victims during emergencies.

#10 – Liberty Mutual: Best for Accident Forgiveness

Pros

• Accident Forgiveness Program: Springdale, IL, offers accident forgiveness to prevent premium increases after a driver’s first at-fault accident. See complete details in our “Liberty Mutual Review.”
• Discount for Hybrid Vehicles: Liberty Mutual offers discounts to Springdale drivers with hybrid or electric vehicles, helping them save on premiums while supporting sustainability.
• New Car Replacement: It offers Springdale clients a new car replacement option, ensuring they get a new car instead of the depreciated value if their vehicle is totaled for car insurance.

Cons

• Higher Premiums for Certain Drivers: Springdale drivers with low ratings receive higher premiums than Liberty Mutual, which pays other providers for the same type of driver.
• Limited Customization: Residents of Springdale, IL, say Liberty Mutual’s policies are less flexible than those of other major insurance companies, potentially affecting personalized coverage.

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Coverage Level of Springfield, IL Auto Insurance Providers

By examining monthly rates by provider and coverage level for drivers in Springfield, IL, one can understand how to get cheap auto insurance rates. With competitive rates from the best providers, residents get options for their various coverage needs, from minimum to full coverage.

Springfield, IL Auto Insurance Monthly Rates by Provider & Coverage Level

But if the best is considered for Springfield, then options like Progressive, State Farm, and Erie do, after all, offer their benefits. Progressive will provide low-budget minimum coverage to some affordable rates while state farms balance affordability with holistic protection. Erie also maintains very competitive rates, thus making it attractive for those seeking reliable insurance with flexibility across types of coverage.

These options accommodate diversified needs. If minimal protection is required, Progressive ensures minimum cover, State Farm a holistic approach, and Erie consistency across levels. Each provider has the opportunity to afford the residents of Springfield a chance to offer their respective choices with affordable policies.

Online & Digital Processes in Springfield through Auto Insurance Providers

Access to auto insurance has become extremely easy for Springfield, IL citizens, considering the latest powerful internet-based tools developed by top players. These tools allow citizens to acquire quotes, compare prices, and adjust coverage from home with reduced effort and time utilization.

Using such platforms, motorists can seek cheap policies without having to visit an office while having an array of valuable driving tips for road safety to stay well-informed.

Other online facilities for policy management exist, meaning there is 24/7 online access. Drivers from Springfield can file their claims online, make payments, and update coverage; even other insurance dealings can be done without visiting any office. Seamless access helps protect drivers as efficiently as their insurance needs are managed.

How to Obtain Auto Insurance in Springfield, Illinois

You can obtain Springfield, IL, auto insurance by collecting personal data that may include your ZIP code, driving history, and details regarding the vehicle. It allows the insurance companies to provide you with true quotes and allows you to research possible car insurance discounts. From here, you will compare coverages. Some of these include liability insurance, collision, and comprehensive.

Obtaining Springfield, IL auto insurance is easy with online comparison tools. These tools provide quick access to multiple quotes and discounts to help you find the best coverage.

You can get quotes from some providers in the shortest time possible by using online comparison tools. The comparison tools enable you to track the rates and discounts quoted by different providers. Instead, You may contact local agents who can provide a professional lead on the best policy.

Auto Insurance Discounts Offered to Springfield Drivers

Several cheap auto insurance companies in Springfield offer discounts on their premiums. These discounts reward good driving habits, loyalty, and smart choices. Whether you are a safe driver, a student, or a military member, you will have opportunities to lower your monthly auto insurance rates with several discounts available.

Auto Insurance Discounts From the Top Providers in Springfield, IL

As per the table, some of the most common discounts offered by insurance companies in Springfield, IL, include multi-policy discounts, good driver discounts, and student discounts. Companies that allow bundling, safe or hybrid vehicles, and accident-free driving records also offer savings.

Others offer discount facilities to young drivers, military officers, and users of telematics programs that track their driving patterns. With these many options, one must ask the insurer about the discounts that benefit him.

Understanding the Importance of Safety Features of Springdale Auto Insurance

The best criteria for reducing your auto insurance Springdale rates include the safety features integrated with the vehicle. These include advanced technologies such as airbags, anti-lock brakes, and lane departure warnings. They ensure that vehicles are less risky for the insurers. They also help prevent accidents while on Springdale roads and ensure safe driving.

Modern safety features in Springdale help save you money on auto insurance and offer better protection. Some of the latest models with high ratings from organizations like NHTSA or IIHS can earn bigger insurance discounts. They protect you from risks while driving and also reduce your risk and Springdale auto insurance costs.

The Impact of Auto Accidents on Insurance Claims in Springfield, IL

Auto accidents have massively impacted insurance claims in Springfield, IL. The frequency of accidents dictates overall rate changes and is a causative link for increases in the claim rate. As the number of accidents increases, the premiums also increase, increasing the cost of claims for repairs or other damages.

Springfield, IL Auto Accident & Insurance Claim Statistics

The table shows Springfield has about 1,500 accidents yearly, resulting in 1,200 claims. The average claim is $4,000, and  11% of drivers have no coverage. With annual thefts of about 180 vehicles and moderate traffic, weather-related incidents increase claims in the area.

Accidents resulting in insurance claims in Springfield show an increasing need for better coverage and risk management. Examining accident rates and uninsured drivers can help residents understand how to impact their insurance positively.

Auto Insurance Claim Process in Springdale, IL

Springdale, IL, auto insurance claims are made by immediately reporting the incident to your insurer. You can submit a claim via an online platform or app or by calling their claims department and providing all the necessary details about the timing, location, and parties involved. An SR-22 certificate may be required to prove financial responsibility for serious violations.

Once an insurance claim is filed, an adjuster inspects the damage done to your vehicle, including the cost of repairs or replacement value, medical expenses, and property damage. If you’re eligible for a claim-free insurance discount, your premiums may be reduced, and the insurance company will process the claim on those terms.

Customer Reviews of Auto Insurance Providers in Springdale, IL

Customers in Springdale, IL, review auto insurance companies. They express pleasing feelings for State Farm and Geico, which offer responsive customer service and reasonable rates. Drivers in Springdale value quick claim settlement and easy-to-use mobile tools that make policies easy to handle.

While Progressive and Allstate win kudos for their discounts, most in Springdale criticize rates that sometimes skyrocket, with a few specific claims or two. However, many enjoy the opportunity to lower the premium through safe driving programs such as Snapshot and Drivewise, which will reward good drivers in Springdale.

The average experience among drivers in Springdale with the major insurance companies is superb, with outstanding customer service, affordable premiums, and easy access to these tools managing their policies. Overall, the average auto insurance cost in Springdale is relatively competitive but leaves room for less expensive options that are within reach for drivers.

Major Factors in Cheap Car Insurance in Springfield, Illinois

Not only are there many different variables your car insurance company will consider when calculating your premium, but different Springfield, IL auto insurance companies will assign different levels of importance to each one.

In general, the factors below will have the biggest impact on whether or not you end up getting charged an affordable price for your monthly premium:

Your ZIP Code

Have you ever wondered why your ZIP code is the first thing insurance companies ask for when calculating a quote? It’s because your ZIP code tells the insurance company a mountain of data about your circumstances, such as how likely you are to get into an accident.

It’s the biggest factor in estimating how safe of a driver you will be.

Auto Insurance by ZIP Code

The safer your town, the more likely you will be able to get an affordable premium. Springfield, IL, has a population of 115,511 and a median household income of $48,179.

Automotive Accidents

The rate of deadly accidents in Springfield isn’t zero; however, given the population, it’s relatively lower than that of comparable-sized cities.

Fatal Accidents in Springfield, IL

While this may not get you the cheapest possible rate from your insurance provider, it will help make your premium more affordable than it would be if you lived somewhere more crowded, like Chicago or Aurora.

Auto Thefts in Springfield

Like fatal accidents in the city, auto thefts aren’t high in Springfield but are not non-existent. You can help protect yourself by installing a passive alarm on your vehicle. You may even get a small discount if you point it out to your insurance provider and report it to your agent.

Basic vs. Comprehensive Auto Policy

If you happen to be in the market for a new vehicle, try to find one that’s a lower-profile target for would-be auto thieves so that you don’t become one of the 227 people who got their vehicles stolen last year.

Your Credit Score

Your credit score either makes life incredibly easy for you or is the bane of your existence. Either way, it strongly impacts the affordability of your monthly premium. Good credit scores can help you get a lower rate because insurance companies think they mean you will pay your premiums on time.

Auto Insurance by Credit Score

Bad credit, on the other hand, worries your insurance provider that you will be a riskier investment, so they will charge you more to hedge their bets. Some Springfield, Illinois, auto insurance companies, like Elephant in the chart below, may not charge different rates based on credit, but you may have to pay more for your premiums.

Your Age

Not only is age a major factor in determining your premiums, but it’s also the source of the biggest price swings when it comes to your premiums. In some areas, companies may charge a younger driver anywhere from 10 to 20 times as much as an adult over 30.

If you are a young driver, you can try to show your insurance provider that you are a safe driver.

Auto Policy Age Comparison

Driver’s ed classes and good school report cards will go a long way in this effort, and pooling your insurance with your parents may help—but you should prepare to pay substantially higher Springfield, Illinois car insurance rates if you are under 25.

Your Driving Record

Have you ever gotten a speeding ticket only to see your auto insurance bill spike a month or two later? Most of the time, you or your state are legally required to inform your insurance company of any citations you receive. (Usually, your state DMV office does it for you—whether you want them to or not.)

Driving Violations

Getting tickets is a sign of risky driving behavior, which can make your insurance provider worry that you are more likely to get into an accident. The higher the likelihood of your accident, the more likely they will have to pay out expensive claims – which is the last thing they want to do. Hence, driving violations will cost you more on your monthly auto insurance premiums.

Your Vehicle

What type of vehicle you drive can also greatly impact your monthly premiums. As we discussed earlier, cars, trucks, and SUVs that are more likely to be stolen will cost more to insure.

The more expensive and newer your vehicle—especially if you add gap coverage to your policy—the more it will cost each month.

Car Insurance by Make/Model

Your insurance provider may even have statistics on which types of vehicles are most likely to be involved in an accident. Say hello to higher premiums if your insurance provider believes you own a riskier vehicle.

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Tips on Lowering Auto Insurance Rates in Springdale, Illinois

You can begin reducing your auto insurance premiums in Springdale, IL, by packaging your car insurance with other insurances, such as homeowner’s or renter’s insurance, to receive multi-policy discounts.

Springfield, IL Report Card: Auto Insurance Premium

Knowing how to lower auto insurance premiums is done by keeping a clean driving record and attending defensive driving schools to lower the paid rates because most insurers have been known to reward safe drivers.

Another great savings method is reviewing and adjusting coverage based on your car’s value. If your car gets old, consider going from full coverage to liability-only or increasing your deductible to lower your premiums. Furthermore, always ensure that your insurer offers telematics or usage-based insurance programs so you can earn from possible lower rate decreases.

Choosing the Best Springdale Auto Insurance Providers

If you are looking for auto insurance in Springdale, Illinois, the best way to decide is to compare quotes among top providers like State Farm and Progressive. It allows you to compare the best coverage and rates in one setting. Discounts and options vary, so comparison tools can help secure affordable protection.

Choosing the best auto insurance in Springdale, IL, requires evaluating coverage options, comparing quotes, and considering customer service. Be sure to factor in discounts and policy limits.

What’s more, your insurance must conform to minimum car insurance requirements in Illinois. These include liability for bodily injuries and property damages. The minimum is compulsory, but most experts advise purchasing additional comprehensive or collision coverage for wider protection.

Enter your ZIP code below into our free comparison tool to get the most affordable auto insurance quotes for Springdale, Illinois.