Springfield, IL Car Insurance
(Find the right car insurance policy for you.)
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Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to TrustedChoice.com.
Things have changed a lot in Springfield since Abe Lincoln left for the White House in 1861. As the capital city of Illinois and the county seat for Sangamon County, Springfield can be congested with traffic year-round. This city is also the sixth most populated in the state. Drivers here must be prepared for our busy roadways.
If you’re a Springfield resident, you probably know that Illinois requires you to have car insurance before you drive. Drivers who are caught driving without auto insurance face a fine with a license suspension. Illinois also requires you to carry bodily injury and property damage liability coverage. Be sure to contact a local independent insurance agent in our network for help getting the right Springfield, IL car insurance coverage in place.
- National average cost per year: $1,311
- Illinois average cost per year: $1,079
- 39th expensive premiums in the US
Illinois premium costs are a bit lower than the national average, but keep in mind that this is only an estimate of what you might pay. There are various factors that may affect your premium. If you’ve had an accident, you may pay a higher premium than a driver with a clean record, and your insurance company can cancel your policy if your driver’s license is suspended or revoked. Certain vehicles also cost more to insure, so do your research before making a vehicle purchase. Some companies offer discounts if you drive a vehicle that has safety features, such as airbags, automatic seatbelts, and anti-lock brakes.
Your local independent agent can help you compare Springfield auto insurance quotes from multiple insurers. An independent agent can help you sift through various policies to find the Springfield car insurance policy that is right for you. Our agents are committed to serving each customer’s unique needs. Your local agent can help you choose the best options at the lowest price.
Illinois Car Insurance Requirements
- Bodily injury liability: required
- Property damage liability: required
- Personal Injury Protection : not required
- Uninsured motorist: required
- Minimum liability limits: 25/50/20
- Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $20,000 coverage for property damage.
State minimums may not be enough coverage for you, so you may want to consider buying a policy with higher limits. Many of today’s vehicles are worth more than $25,000, and medical bills for injuries sustained in an automobile accident can easily exceed $20,000 for one individual. Having appropriate Springfield car insurance coverage helps you cover any legal, medical and property damage costs in the event of an accident.
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Springfield, Illinois Uninsured Motorists
- National uninsured motorists: 12.6%
- Illinois uninsured motorists 13.3%
- Illinois average vehicle repair cost: $2,449
Uninsured motorist coverage is not required by the state, but it can provide extra security. Knowing damages will be covered if an at-fault driver does not have liability insurance or the money to compensate you can give you peace of mind on the road.
Springfield, Illinois Car Thefts
- National vehicle thefts (per 1,000 registered vehicles): 2.94
- Illinois vehicle thefts (per 1,000 registered vehicles): 2.63
Springfield has its fair share of thefts. The BAT (Beat Auto Theft) program allows people who do not normally drive between the hours of 1:00 a.m. and 5:00 a.m. to purchase a BAT decal to place on their rear windshield. The decal gives police permission to stop that vehicle between those hours in order to determine ownership. Participating in the BAT program may help you reduce your risk of vehicle loss from theft, but you are wise to consider adding coverage to protect your investment.
How to Find Springfield Auto Insurance Quotes
Many different insurance companies compete for the business of Illinois residents, and it can be difficult to know what coverage is right for your situation. Contact a local agent in our network to help you choose a Springfield car insurance policy that will help you protect your vehicle.