Best car insurance in Springfield

 You may also be looking for a low-cost choice if you are seeking for the best car insurance in Springfield, IL. The average cost of vehicle insurance in Springfield is $456 per year for basic coverage and $1,420 per year for comprehensive coverage, according to a 2021 analysis of annual quoted premiums. Insurance companies like Geico and State Farm have some of the best rates on our list, but there are a slew of other options to consider as well.

 

Even though Illinois auto insurance is less expensive than in some other states, you can save money on annual rates by selecting an insurer that provides the best value for your needs. The finest vehicle insurance companies in Springfield also provide exceptional customer service, a large selection of coverage and discounts, and digital tools to make policy management easier. On the basis of these characteristics, we chose the best insurance companies in Springfield.

Springfield's best car insurance companies

 

After reviewing third-party evaluations, user reviews, average premiums acquired by Quadrant Information Services, coverage and discount choices, digital tools, and general reputation in the business, our team selects the finest affordable insurance companies. The top competitors, according to the results of the 2021 J.D. Power Auto Insurance Study, are Geico, State Farm, USAA, Auto-Owners, and Allstate. However, take in mind that individual preferences vary, and personal information influences the annual premium rate you pay.

Geico

Geico is a top vehicle insurance company for basic coverage at the lowest average minimum coverage price on our list. North Central scored just a few points below the industry average in the J.D. Power Auto Insurance Study. Customers who have used Geico have generally had a positive experience with the company. Geico's digital technologies make policy management a snap, as evidenced by its first-place finish in the J.D. Power Insurance Digital Experience Study in 2021. Policyholders can also take advantage of a variety of discounts offered by Geico.

State Farm

State Farm, the second-highest ranked provider in the J.D. Power research for 2021, has some of the lowest average rates for Springfield drivers on our list. It has a vast number of coverage options and discounts on its website. State Farm, the country's largest auto insurer by market share, offers important extras like ridesharing coverage and the ability to insure classic and antique cars in addition to basic coverage. Two safe driver programmes are also available to assist you save money while developing excellent driving habits. The company has a nationwide network of 19,000 agents.

USAA

USAA could be a good fit for military personnel, veterans, and their families. The coverage options are designed specifically for the military, and the low costs can be further reduced with a variety of discounts. A deployment discount is available when a vehicle is not in use, as well as a low yearly mileage discount and a discount for young drivers who purchase their own policy after being insured by a parent via USAA. Policyholders who prefer to handle their insurance needs digitally may find the company's mobile app appealing. You can use the app to file claims, get roadside help, look over an accident checklist, and look at ID cards.

Auto-Owners

Auto-Owners has an A++ (Superior) financial strength grade from AM Best and offers insurance products in 26 states, according to the 2021 J.D. Power Auto Insurance Study. Auto-Owners offers endorsements in addition to basic auto insurance coverages including liability, comprehensive, and collision coverages to enable consumers tailor their insurance. Dwindling value coverage, loan/lease gap insurance, and the company's exclusive Personal Automobile Plus package, which includes cell phone replacement and identity theft coverage, among other things, are among the alternatives available. To assist policyholders in keeping their premiums low, a variety of reductions are available.

Allstate

Allstate is one of the top five insurers for affordable auto insurance today, with over 12,000 agents across the country and an A+ (Superior) rating from AM Best and discounted premiums that allow for even more savings. Options for new automobile replacement and accident forgiveness are among the endorsements. There's also a deductible rewards programme, which may save a driver up to $500 on their collision deductible if they keep their driving record clean. A popular discount programme called Drivewise monitors and rewards good driving via a mobile app for driver safety.