Best Cheap Auto Insurance in Springfield, Ohio (2026)

Springfield residents pay less for car insurance than residents of many other Ohio cities. The average cost for a full-coverage policy in Springfield is $106 per month, compared to the state average $116. The city’s comparatively smaller size — it ranks 12th in population in the state — likely contributes to its lower car insurance costs.

Springfield was once known as the City at the End of the Road. Back in the 1800s, Congress authorized the construction of the National Road — the first U.S. highway built solely with federal dollars. The road eventually reached Springfield, but construction was halted there for 10 years due to a dispute over the route.

Yes, Springfield was literally the end of the road.

Today, a number of roads run through Springfield, including Interstate 70. And Springfield drivers who navigate these roads pay an overall average monthly cost of $85 for car insurance.

In this guide, you’ll see what goes into those rates and learn ways you can reduce your car insurance premiums as much as possible.

Best car insurance companies in Springfield

State Farm, Mile Auto, and Erie Insurance are three of the best car insurance companies in Springfield, based on their attractive rates and overall value offerings. While you may ultimately choose to go with a different insurer, you can’t go wrong starting your search with any of these three.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
State Farm	9.3	$74	$45	Cheap rates
Mile Auto	8.8	$63	$41	Pay-per-mile
Erie Insurance	8.4	$87	$53	Customer satisfaction

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

Cheap Rates

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User Reviews	4.0 7,299 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$39/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$70/mo

Details

Driver Reviews

4.0

Best choice in Springfield, OHBased on 16,551 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Springfield for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Springfield for

Customer service

Competitive rates

Discounts for safe drivers

Showing 71 Ohio reviews for Springfield drivers - See all 7,299 State Farm reviews

Paula

Verified Review

Car Insurance

Reviewed in Ohio on March 24, 2026

Good experience so far.

Randy

Verified Review

I shopped around and found that I was paying a lot. Despite having no claims, my rates kept going up.

Reviewed in Ohio on March 22, 2026

I shopped around and found that I was paying a lot. Despite having no claims, my rates kept going up.

Michael

Verified Review

Average

Reviewed in Ohio on March 21, 2026

My current insurance company offers a premium that is much cheaper for the same coverage!

Brian

Verified Review

State Farm Like the Ads

Reviewed in Ohio on March 21, 2026

It saved me a lot of money.

Neuronsy

Verified Review

Doesn't Hurt to Check

Reviewed in Ohio on March 15, 2026

It's just time for a change if someone could beat them. So far, they're the best by comparison.

Steven

Verified Review

Poor customer service

Reviewed in Ohio on March 12, 2026

They increase prices on some products. If you contact them about it, they never return your call to explain why the price increased. Then they send emails to try and get you to pay the premium. I get tired of paying higher premiums because someone else files claims somewhere across the country. That actually has nothing to do with me. Buy insurance somewhere else.

Wendy

Verified Review

Good

Reviewed in Ohio on March 4, 2026

The price of covering my car has gone up. Other companies are offering a lower rate.

Justin

Verified Review

Gradual insurance price increases force me to change providers

Reviewed in Ohio on March 3, 2026

I switched to Progressive because they offered a quote at a third of the price State Farm was offering me.

Anthony

Verified Review

Takes a while on the phone

Reviewed in Ohio on March 2, 2026

Easy to work with to buy insurance. I have not had any claims, so I don't know yet about that.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Founded in 1922, State Farm ranks as the country’s largest auto insurance company based on its market share. Car insurance represents about 60% of State Farm’s premiums. In 2022, the company posted revenue of $89.3 billion.

In Springfield, State Farm routinely offers some of the lowest rates for liability and full-coverage car insurance.

Pros

• Well-known, well-established company

• Top J.D. Power score among large insurers for satisfaction with car insurance shopping experience

• Above-average J.D. Power score for satisfaction with auto insurance claims

Cons

• Fewer discounts than some competitors

• Higher-than-expected complaint index from the National Association of Insurance Commissioners (NAIC)

• Rating of 1.8 out of 5 stars on Trustpilot review site

Best insurer for pay-per-mile coverage: Mile Auto

Pay-Per-Mile Coverage

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User Reviews	4.5 66 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.8 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$37/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$59/mo

Details

Driver Reviews

4.5

Best choice in Springfield, OHBased on 193 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Springfield for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Springfield for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing 3 Ohio reviews for Springfield drivers - See all 66 Mile Auto reviews

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

Cheryl

Verified Purchase

We are so glad we chose MileAuto

Reviewed in Ohio on December 10, 2025

Really meets our needs now that we have retired and drive very little. Good service with nice people. It's easy to do our monthly check-in, and they always send the statement several days before they draft the payment. Recommend them highly.

Monica Jo

Verified Review

Inexpensive, but No Full Coverage

Reviewed in Ohio on June 22, 2025

If you drive a lot, this isn't the insurance for you! They charge per mile.

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Mile Auto, founded in 2017, sells coverage in Ohio and 10 other states. Policyholders pay based on how much they drive, making it an appealing car insurance company for people who drive infrequently. This allows for control over a customer’s insurance spending that isn’t available from other insurers.

Pros

• Low rates for drivers who rack up low mileage

• No tracking devices required

• Strong AM Best financial strength rating for insurance underwriter

Cons

• Lower Insurify Quality Score

• No discounts

• Some consumer complaints about filing claims

Best insurer for customer satisfaction: Erie Insurance

customer satisfaction

Compare Quotes

User Reviews	4.4 228 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.4 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$45/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$80/mo

Details

Driver Reviews

4.4

Best choice in Springfield, OHBased on 500 verified driver reviews and ratings

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify

Best in Springfield for

High customer satisfaction

Competitive rates

Optional coverages

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify

Best in Springfield for

High customer satisfaction

Competitive rates

Optional coverages

Showing 4 Ohio reviews for Springfield drivers - See all 228 Erie Insurance reviews

Thomas

Verified Review

Options

Reviewed in Ohio on February 20, 2026

Many options, check them out.

Douglas

Verified Review

Erie Insurance: Local Agents, Great Customer Service!

Reviewed in Ohio on February 9, 2026

Never had a claim. I think their rates are very good!

William

Verified Review

Shop Around

Reviewed in Ohio on November 3, 2025

Car insurance is high, but homeowners insurance is affordable.

Thomas

Verified Review

CIA Wins the Day!

Reviewed in Ohio on April 5, 2025

Your insurance is only as good as the agent providing it. I have been blessed with an excellent agent for 40 years.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

700

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.68

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Erie Insurance has more than 6 million auto, home, and business insurance policies in effect in Ohio, 11 other states, and the District of Columbia. It’s the 12th-largest auto insurer in the U.S. Erie’s growth is due in part to its customer satisfaction, and the insurer ranks high in the region in this category, according to J.D. Power.

Pros

• Highest score among regional car insurers in J.D. Power study of customer satisfaction

• Rate Lock feature helps avoid rate increases

• YourTurn driver-tracking app may save you money

Cons

• No ability to buy a policy or file a claim online

• No usage-based coverage

• 2.4 out of 5 stars on Trustpilot review site

How to get the cheapest car insurance in Springfield

Some of the factors that go into calculating car insurance rates are out of your control, like your age or gender. But you can do certain things to lower your car insurance rates in Springfield, like:

• Compare quotes from at least three insurers.

• Ask for a higher deductible. Raising the deductible from, say, $200 to $500 should result in a lower auto insurance premium.

• Bundle your coverage. Many insurers offer discounts if you buy two or more kinds of insurance from them, such as car insurance and homeowners insurance.

• Ask about discounts. Insurers offer an array of discounts, including those for earning good grades and being a loyal customer.

• Maintain a driving record free of accidents and traffic violations.

• Look at buying a less expensive type of car that costs less to insure.

Cheapest liability-only car insurance in Springfield: Mile Auto

Liability coverage features bodily injury and property damage liability insurance, which is required in most states, including Ohio. Bodily injury liability pays the medical expenses for other people’s injuries in an accident you cause. Property damage liability pays to repair damage to other people’s property when an accident is your fault.

Ohio requires motorists to carry bodily injury coverage and property damage liability coverage or to provide proof of financial responsibility.

On average, Springfield drivers pay $63 per month for liability-only insurance. But, drivers can find the cheapest rates from Mile Auto for $37 per month.

Here, you can see a list of insurers offering the cheapest liability coverage in Springfield.

The below rates in Springfield, OH, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Mile Auto	$37
State Farm	$39
Progressive	$44
Auto-Owners	$45
Erie	$45
GEICO	$49
USAA	$50
Commonwealth Casualty	$51
Certainly	$52
Safeco	$52
The General	$52
American Family	$56
Nationwide	$58
Trexis	$61
AssuranceAmerica	$63
Trexis One	$65
First Acceptance	$70
Elephant	$71
Direct Auto	$72
GAINSCO	$74
CSAA	$75
Clearcover	$76
Bristol West	$77
Dairyland	$80
Root	$81
Allstate	$85
National General	$86
Liberty Mutual	$91
Travelers	$92
Farmers	$95
State Auto	$131

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield may vary based on the policy buyer's unique driver profile.

Find Cheap Liability Insurance in Springfield

Cheapest rates starting at $37/month

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Cheapest full-coverage car insurance in Springfield: Mile Auto

Liability-only coverage comprises just bodily injury liability and property damage liability insurance. Full-coverage car insurance includes these along with comprehensive and collision coverages.

Comprehensive coverage pays for damage to your car in a non-collision incident, such as damage caused by hail or a fallen tree. Collision coverage pays to fix or replace your car when it’s damaged in a crash.

Mile Auto offers the cheapest full-coverage insurance in Springfield for $59 per month.

Here, you can see a list of quotes for full-coverage insurance offered by insurers in Springfield.

The below rates in Springfield, OH, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Mile Auto	$59
State Farm	$70
Erie	$80
Auto-Owners	$81
Safeco	$85
GEICO	$88
Progressive	$88
USAA	$90
American Family	$99
CSAA	$102
Direct Auto	$102
Nationwide	$103
Elephant	$109
AssuranceAmerica	$118
Certainly	$121
The General	$124
National General	$127
Root	$136
Commonwealth Casualty	$137
Liberty Mutual	$152
Allstate	$153
Trexis	$154
Clearcover	$155
Travelers	$165
Farmers	$170
GAINSCO	$170
Bristol West	$173
Trexis One	$184
Dairyland	$190
First Acceptance	$190
State Auto	$234

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Ohio

In Ohio, it’s against the law to drive a vehicle without coverage that meets the state’s minimum requirements. The guidelines for required minimum coverage are outlined here.

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person and $50,000 per accident
Property damage liability	$25,000 per accident

However, your coverage can exceed the minimum state requirements if you so choose. Other types of insurance that you might consider include:

• 

  Collision and comprehensive

  Collision coverage pays to fix damage to your car when you crash into a car or an object, like a utility pole or fence. Comprehensive coverage pays to fix non-collision damage to your car in an incident, such as a fire or flood. If you have a car loan or lease, you might be required to carry both kinds of coverage.

• 

  Uninsured/underinsured motorist

  Uninsured/underinsured motorist coverage pays to repair damage to your car and treat your injuries if you’re in an accident with a motorist who has no insurance or lacks adequate insurance. UI/UIM insurance can also pay for damages from a hit-and-run accident.

Cheapest car insurance for drivers with an incident

Incidents like speeding tickets, at-fault accidents, DUIs, and other serious traffic violations can dramatically affect your car insurance rates. Insurers view these incidents as risky behavior and hedge their bets against your needing to file a claim in the future.

In the sections that follow, you’ll see how different incident types can affect your car insurance rates in Springfield.

Find Cheap Car Insurance in Springfield

Rates start as low as $44 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

A speeding ticket can put you in a higher cost category when it comes to your car insurance. Insurify data shows that someone in Ohio pays an average of $106 a month for full-coverage insurance if they have a clean driving record. But when a speeding ticket shows up on an Ohioan’s driving record, that figure rises to an average of $137 a month.

Here, you can see the average monthly quotes offered by several insurers for drivers with a speeding ticket on their record.

The below rates in Springfield, OH, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	$73	$46
State Farm	$90	$50
Auto-Owners	$107	$60
Erie	$107	$60
Progressive	$114	$57
Safeco	$114	$70
GEICO	$117	$65
USAA	$118	$66
Direct Auto	$130	$91
American Family	$131	$74
CSAA	$132	$97
Elephant	$133	$86
Nationwide	$136	$76
Certainly	$157	$67
National General	$161	$109
Commonwealth Casualty	$164	$61
The General	$168	$71
Root	$184	$110
Liberty Mutual	$196	$118
Trexis	$199	$79
Allstate	$202	$112
Clearcover	$204	$100
GAINSCO	$206	$90
Travelers	$218	$121
Bristol West	$221	$98
Farmers	$221	$124
Trexis One	$238	$84
Dairyland	$242	$102
First Acceptance	$246	$91
State Auto	$316	$177

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

On average, the cost of car insurance rises 26% following an at-fault accident, Insurify data shows. And in Ohio, an accident stays on your driving record for three years, meaning you could be paying more for insurance for a long time with an accident on your record.

Drivers with an at-fault accident in Springfield pay, on average, $86 for liability-only coverage and $145 for full coverage. Here’s a collection of average monthly quotes you can expect to receive with an accident on your record in Springfield.

The below rates in Springfield, OH, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	$94	$52
Erie	$108	$61
Auto-Owners	$109	$60
GEICO	$116	$65
Progressive	$120	$60
Safeco	$121	$74
USAA	$123	$68
American Family	$135	$76
Direct Auto	$141	$100
Nationwide	$141	$79
Elephant	$145	$94
CSAA	$152	$112
Certainly	$165	$71
National General	$172	$116
The General	$173	$73
Commonwealth Casualty	$184	$68
Root	$185	$110
Liberty Mutual	$206	$123
Allstate	$209	$116
Trexis	$211	$83
GAINSCO	$221	$96
Travelers	$226	$126
Clearcover	$229	$112
Farmers	$230	$129
Bristol West	$232	$103
Trexis One	$252	$89
Dairyland	$256	$108
First Acceptance	$260	$96
State Auto	$325	$182

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Progressive

A DUI on your driving record can cost a lot when it comes to car insurance. In fact, Insurify data shows a DUI can bump up the cost of car insurance by close to 100%.

In Ohio, the term “operating a vehicle under the influence,” or OVI, substitutes for the term DUI. A first-time OVI offense in Ohio can lead to as much as a six-month jail term, a $1,075 fine, and a one- to three-year license suspension.^[1]

Springfield drivers with an OVI conviction face an overall average rate of $115 per month for car insurance, compared to the overall average for drivers with a clean record of $85. The following table illustrates the cost of liability-only insurance for drivers with an OVI in Springfield.

The below rates in Springfield, OH, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	$84	$52
State Farm	$99	$55
Erie	$113	$63
Auto-Owners	$115	$64
Progressive	$119	$59
GEICO	$123	$69
Safeco	$128	$78
USAA	$128	$71
American Family	$140	$79
CSAA	$145	$106
Direct Auto	$145	$102
Nationwide	$146	$82
Elephant	$155	$101
Certainly	$163	$70
The General	$176	$74
National General	$180	$122
Root	$193	$115
Commonwealth Casualty	$194	$72
Trexis	$208	$82
Liberty Mutual	$216	$129
Allstate	$217	$121
Clearcover	$220	$108
Travelers	$234	$130
Farmers	$241	$135
GAINSCO	$241	$105
Bristol West	$245	$109
Trexis One	$248	$88
First Acceptance	$256	$94
Dairyland	$269	$113
State Auto	$310	$174

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

Older drivers typically pay less for car insurance than young drivers. They normally get into fewer accidents than drivers younger than 25 do. Drivers in their 60s generally pay the lowest rates, but rates may go up when drivers reach their 70s.

If you’re a senior in Springfield, you can expect to pay an average rate of $90 for full coverage. Mile Auto offers the cheapest liability rates at $29 per month for coverage.

The table below shows the average quotes from area insurers.

The below rates in Springfield, OH, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	$46	$29
State Farm	$55	$30
Erie	$61	$34
Auto-Owners	$63	$35
GEICO	$69	$39
USAA	$72	$40
Safeco	$74	$45
Progressive	$75	$37
American Family	$78	$44
Nationwide	$78	$44
CSAA	$81	$60
Direct Auto	$82	$58
Elephant	$89	$58
National General	$99	$67
Certainly	$103	$44
The General	$103	$43
Commonwealth Casualty	$109	$41
Root	$113	$67
Allstate	$123	$68
Liberty Mutual	$126	$75
Travelers	$131	$73
Trexis	$131	$52
Farmers	$134	$75
Clearcover	$135	$66
Bristol West	$143	$64
GAINSCO	$143	$62
Trexis One	$156	$55
Dairyland	$159	$67
First Acceptance	$161	$59
State Auto	$176	$98

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

Insurance companies typically charge higher rates to cover teen drivers because they lack on-the-road experience and run a greater risk of getting into a car accident. In Springfield, teens can expect to pay $226 per month for full coverage.

To reduce these rates and get the best deals on insuring a teen driver, you should:

• Shop around for the most competitive rates and coverage.

• Encourage your teen to maintain a clean driving record.

• Look into discounts for good students.

• Enroll your teen in a driver’s education course.

• Let your teen drive a car with a good safety record.

• Add your teen to your policy rather than putting them on a separate policy.

Mile Auto offers the cheapest liability rates in Springfield for teens at $82 per month.

The below rates in Springfield, OH, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	$147	$82
Erie	$159	$90
GEICO	$171	$95
Auto-Owners	$176	$98
USAA	$181	$101
Safeco	$185	$113
CSAA	$186	$137
Progressive	$188	$94
American Family	$203	$115
Elephant	$210	$137
Direct Auto	$212	$150
Nationwide	$218	$123
The General	$237	$99
Root	$256	$153
Certainly	$258	$111
Commonwealth Casualty	$276	$103
National General	$277	$188
Clearcover	$280	$137
Liberty Mutual	$292	$175
Allstate	$327	$182
Trexis	$328	$130
Bristol West	$336	$150
GAINSCO	$337	$147
Dairyland	$356	$150
Farmers	$366	$204
Travelers	$369	$206
Trexis One	$392	$139
First Acceptance	$405	$149
State Auto	$607	$340

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield may vary based on the policy buyer's unique driver profile.

Springfield car insurance quotes by credit tier

Ohio allows car insurance companies to use a credit-based insurance score as one factor in setting rates. Insurers say this score, based on information from a driver’s credit history, can help predict the likelihood of a motorist filing an insurance claim.

A credit-based insurance score isn’t the same as a traditional credit score. A traditional credit score looks at a variety of factors to figure out how likely someone is to pay their debts. Nonetheless, drivers with excellent or good credit history tend to pay less for coverage than drivers with poor credit history. In the chart below, you can see the average quote you can expect to get in Ohio based on your credit score.

Is car insurance more expensive in Springfield?

Car insurance in Springfield costs less than the statewide and national averages, Insurify data shows. In Ohio, the average monthly quote is $93, compared with $85 in Springfield. Nationwide, the average is $136.

An array of factors make car insurance premiums vary from one location to another. For instance, a driver in an urban area with a high rate of car accidents or thefts might pay more for car insurance than someone in a suburban or rural area with lower rates for these incidents.

More cities in Ohio

The average monthly quote for full coverage in Springfield is considerably lower than in some other Ohio cities, like Hamilton and Toledo. As a result, it might be easier for you to find cheap car insurance in Springfield.

City	Average Monthly Quote: Full Coverage	Average Monthly Quote: Liability Only
Cincinnati	$143	$79
Cleveland	$148	$79
Columbus	$151	$85
Dayton	$128	$71
Hamilton	$128	$73
Toledo	$142	$85

Disclaimer: Table data is based on real-time Springfield quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Springfield car insurance FAQs