Cheapest Car Insurance Quotes in Springfield

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Springfield Car Insurance

^$ 20

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Springfield

The car insurance rate in Springfield is $706 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $226, making it a popular choice for budget-conscious drivers. Rates in Springfield can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Springfield

$706

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Springfield

1st place: American Family

At $226 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $361 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $564 for six months, making it the third cheapest auto insurance company in Springfield.

Springfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Springfield, OH is American Family, offering policies at just $226 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $361.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1083 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Springfield drivers find the best deals.

Cheap Car Insurance Companies in Springfield, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$226	$38
Auto-Owners Insurance Co	$361	$60
Travelers	$564	$96
State Farm	$576	$96
Hastings Mutual	$587	$100
USAA	$593	$100
Erie	$615	$104
Nationwide	$649	$109
Central Mutual	$683	$116
Progressive	$711	$120
Auto-Owners	$768	$130
Farmers	$835	$140
Westfield	$982	$167
Cincinnati	$1027	$171
Grange	$1044	$178
Allstate	$1083	$182

Key Takeaways

Way's key takeaways about car insurance in Springfield

The auto insurance costs in Springfield fall around $226 for six months.
The cheapest auto insurance company in Springfield is American Family.
Teen drivers pay the highest rate in Springfield at $672 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Springfield

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Springfield are given below.

American Family provides the cheapest minimum car insurance coverage in Springfield. Their Average 6 Month Premium is $119. Allstate is the most expensive at $428 for the same period.

Cheapest Liability Coverage in Springfield, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$119	$20
Central Mutual	$130	$22
Auto-Owners Insurance Co	$142	$24
USAA	$163	$28
Erie	$175	$29
Westfield	$175	$29
State Farm	$186	$31
Progressive	$215	$36
Auto-Owners	$237	$40
Travelers	$237	$40
Nationwide	$288	$48
Farmers	$316	$52
Grange	$372	$64
Cincinnati	$395	$66
Allstate	$428	$72

Cheapest Full Coverage Car Insurance in Springfield

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Springfield is American Family at $38 per month and $226 for six months.

Cheapest Full Coverage Car Insurance Quotes in Springfield, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$226	$38
Auto-Owners Insurance Co	$361	$60
Travelers	$564	$96
State Farm	$576	$96
Hastings Mutual	$587	$100
USAA	$593	$100
Erie	$615	$104
Nationwide	$649	$109
Central Mutual	$683	$116
Progressive	$711	$120
Auto-Owners	$768	$130
Farmers	$835	$140
Westfield	$982	$167
Cincinnati	$1027	$171
Grange	$1044	$178
Allstate	$1083	$182

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Average Car Insurance in Springfield by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Springfield, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Springfield, Ohio, may be increasing due to several external factors. Ohio has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Springfield's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Springfield

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$540
30s	USAA	$382
40s	USAA	$346
50s	USAA	$320
60s	USAA	$336
70s	USAA	$408

Cheapest Car Insurance Rates for Teen Drivers in Springfield,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Springfield at $21 per month. At $3950 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$124	$21
USAA	$762	$128
Erie	$875	$147
Travelers	$1021	$172
Westfield	$1140	$192
Progressive	$1643	$276
Nationwide	$2094	$352
Auto-Owners	$2234	$372
Allstate	$2286	$385
State Farm	$2342	$390
Cincinnati	$2968	$504
Grange	$2996	$500
Farmers	$3950	$672

Teen Car Insurance Rates in OH by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Springfield.

As young drivers face the highest rates in Springfield, USAA offers the cheapest auto insurance rates at $540 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Springfield, American Family is the cheapest car insurance provider. At $192 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Springfield is AutoOwners, offering rates of around $2144 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$192	$32
Progressive	$706	$119
Nationwide	$812	$137
USAA	$829	$139
Grange	$841	$142
Erie	$858	$144
Westfield	$1004	$169
Cincinnati	$1552	$258
Allstate	$1851	$314
Auto-Owners	$2144	$357

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Springfield.

Car Insurance Rates with An Accident in Springfield

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Springfield, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Springfield

The cheapest car insurance companies after an at-fault accident in Springfield include Central Mutual and American Family, offering $130 and $146, respectively. State Farm is an expensive provider with an average six-month premium of $4334.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$130	$22
American Family	$146	$25
Auto-Owners Insurance Co	$226	$38
Erie	$401	$67
Westfield	$599	$101
Nationwide	$812	$137
Travelers	$869	$146
USAA	$1174	$198
Auto-Owners	$1219	$205
Grange	$1281	$218
Progressive	$1862	$314
Cincinnati	$1913	$325
Allstate	$2280	$384
State Farm	$4334	$737

Springfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Springfield OH. For example, the car insurance in Springfield after a DUI increases to $661 for a six month policy. While the rate increases by $147 for a six-month policy in the case of a speeding ticket.

Springfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$694	$116
One Med/PIP claim	$711	$121
Not-at-fault accident	$722	$121
One comp claim	$739	$125
Two Med/PIP claims	$739	$124
Two comp claims	$773	$131
Failure to show documents	$779	$130
Driving without lights	$796	$135
Failure to wear a seat belt	$796	$133
Child safety restraint	$812	$138
Driving with expired registration	$812	$136
Driving too slowly	$841	$143
Speeding 11 - 15 MPH over limit	$841	$141
Speeding 6 - 10 MPH over limit	$841	$143
Speeding in school zone	$841	$141
Cell phone violation	$846	$144
Failure to yield	$846	$142
Following too closely	$846	$144
Illegal turn	$846	$142
Texting while driving	$846	$144
Wrong way/wrong lane	$846	$142
Failure to stop at a red light	$852	$145
Improper passing	$858	$143
Speeding 16 - 20 MPH over limit	$858	$146
At-fault accident - less than $1000	$886	$147
Passing school bus	$892	$152
Speeding 21 - 25 MPH over limit	$914	$152
In 65 MPH zone	$925	$158
At-fault accident - $1000-$2000	$1021	$170
At-fault accident - greater than $2000	$1027	$175
Open container	$1027	$171
Operating a vehicle without permission	$1033	$176
Reckless driving	$1309	$219
Racing	$1332	$226
Refusal to submit to a chemical test	$1332	$222
Driving with a suspended license	$1343	$228
DUI	$1355	$226
Leaving scene of an accident/hit and run	$1394	$237

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Springfield after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Springfield.

The cheapest car insurance premiums in Springfield are offered by American Family at $146 for a six-month policy. However, it can be as expensive as $2511 with companies like Cincinnati.

Springfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$146	$25
Travelers	$468	$79
Progressive	$564	$95
Erie	$581	$98
USAA	$660	$111
State Farm	$908	$155
Nationwide	$1038	$175
Farmers	$1129	$192
Auto-Owners	$1451	$241
Allstate	$1484	$250
Grange	$1676	$279
Westfield	$2178	$371
Cincinnati	$2511	$419

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Springfield are offered by American Family at $146. However, it can be as expensive as $1495 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Springfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$146	$25
Auto-Owners Insurance Co	$146	$25
Erie	$418	$70
Progressive	$581	$98
USAA	$599	$100
Westfield	$672	$113
Nationwide	$677	$114
Auto-Owners	$768	$130
Cincinnati	$1213	$202
Allstate	$1416	$241
Grange	$1495	$249

Car Insurance Price Trends in Springfield, Ohio

Car insurance rates in Springfield have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Springfield rose by $142 in January compared to $113 of December. In other words, there has been an increase by $29 when you compare January and December.

The average cost of liability insurance in the Springfield rose to $37 in January, compared to $34 in December. This represents an increase of $3 when comparing January and December.

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Average Car Insurance Cost in Springfield by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Springfield. At $931 for a six-month policy, insuring your car at 45503 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
45503	$931	$156
45502	$811	$136
45505	$839	$141
45504	$825	$138
45506	$797	$134

Frequently Asked Questions

How much is car insurance in Springfield?

The car insurance in Springfield is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Springfield?

The cheapest car insurance in Springfield is $38 per month for full coverage.

How much is car insurance in Springfield for teenagers?

Car insurance for teenagers costs $124 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Springfield?

The average cost of car insurance is $743 for a six-month policy. It will cost around $119 per month to insure your car in Springfield.

Is car insurance expensive in Springfield?

Car insurance can be expensive in Springfield if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Springfield can be affordable.

Cheapest Car Insurance Quotes in Springfield

Why you can trust Way?

How Much Is Car Insurance in Springfield

Avg. Car Insurance in Springfield

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Springfield

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Springfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Springfield, OH

Way's key takeaways about car insurance in Springfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Springfield

Cheapest Liability Coverage in Springfield, OH

Cheapest Full Coverage Car Insurance in Springfield

Cheapest Full Coverage Car Insurance Quotes in Springfield, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Springfield by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Springfield, OH increasing?

Car Insurance Premiums by Age in Springfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Springfield,OH

If you are in your twenties USAA is the best choice for car insurance in Springfield.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Springfield

Cheapest Car Insurance Companies after an At-Fault Accident in Springfield

Springfield Car Insurance Rates by Violation

Springfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Springfield after a DUI

Springfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Springfield after Speeding ticket

Car Insurance Price Trends in Springfield, Ohio

Average Car Insurance Cost in Springfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Springfield, OH

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources