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Written by: Daniel Robinson Written by: Daniel Robinson Author Daniel is the editor of Guides and has written for many automotive news sites and marketing companies across the US, UK and Australia, specializing in car owners. Auto finance and car care topics. Daniel is part of our team of advisors covering auto insurance, loans, warranty options, auto services, and more.
Allstate Insurance Springfield Ohio
Edited by: Rashawn Mitchener Edited by: Rashawn Mitchener Managing Editor Rashawn Mitchener is an editor at Guides with more than 10 years of experience covering personal finance and insurance topics.
Brian A Grimone, Springfield
The average auto insurance cost for minimum coverage in Springfield, Ohio, is about 13% lower than the national average. While this is good news, the even better news is that you can find the cheapest rates in the area by comparing premiums and looking for discounts.
Our Guide team ranked the best auto insurance companies based on a variety of factors, including cost. This article will guide you to find affordable rates in Springfield according to your driver profile.
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Our team of guides is committed to providing trustworthy information to help you make the best possible decisions about your auto insurance. Because consumers depend on us to provide objective and accurate information, we have created a comprehensive ranking system to develop a ranking of the best auto insurance companies. We collected data on dozens of auto insurance providers to rank the companies based on a variety of rating factors. After 800 hours of research, the end result is a comprehensive assessment of each provider, with the highest scoring insurers topping the list.
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Based on their solid reputation for customer service and insurance quality, Erie Insurance, Auto Owners Insurance, Progressive, Westfield, and Nationwide are our recommended options for auto insurance in Springfield. These providers offer minimum below-average prices and cover the entire city.
Unless otherwise stated, the following cost tables show average prices for the driving record of a 35-year-old married driver with good credit and a clean driving history.
Our data shows the average auto insurance cost for minimum coverage in Springfield is $45 per month or $546 per year. This is about 13% less than the national average of $52 per month or $625 per year. Likewise, full coverage insurance costs an average of $130 per month or $1,563 per year, about 22% cheaper than the national average of $167 per month or $2,008 per year for coverage. full danger.
Erie Insurance offers the cheapest liability insurance with an average price of $20 per month or $243 per year. Car owners insurance is the second cheapest option in Springfield with an average price of $24 per month or $290 per year.
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Liability insurance is the minimum coverage required by the state of Ohio. Under Ohio law, all drivers must meet or exceed the following minimum requirements:
Fully insured auto insurance policies can be expensive in Springfield. Full coverage includes liability as well as comprehensive and collision coverage, protecting against damage to your vehicle in a variety of situations. Nationwide is the cheapest full coverage option with an average price of $66 per month or $790 per year.
Auto insurance prices are influenced by a number of factors, such as your age, driving history, credit score, and location. Some auto insurance companies are cheaper options for drivers with a DUI or a history of accidents. Some companies are better suited to drivers in their teens and twenties.
The sections below will cover some average insurance premiums for drivers of different ages, credit histories and driving records.
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Auto insurance rates are highest for teenagers because they are more likely to have accidents or traffic violations. Our data shows that 16-year-olds pay approximately $195 per month or $2,339 per year for auto insurance in Springfield.
As drivers enter their 20s and enter middle age, their auto insurance costs tend to decrease. You can find an overview of average minimum coverage auto insurance costs in Springfield for different age groups below.
Auto insurance for teens is expensive, but some insurance providers tend to be cheaper than others. Our data shows that Erie Insurance is the cheapest auto insurance company for teen drivers with minimum coverage of $61 per month or $736 per year. Auto Owners Insurance, Geico and Nationwide also offer affordable insurance premiums for teens in Springfield.
Many states, including Ohio, allow auto insurance providers to use credit scores when calculating premiums. Drivers with lower credit scores will typically pay higher than average auto insurance premiums, while those with higher credit scores may pay less.
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Our pricing data shows Nationwide is the cheapest option for bad credit auto insurance in Springfield. The company offers minimum insurance policies for drivers with poor credit at $36 per month or $436 per year. This is 6% lower than the overall state average for minimum good credit.
Motorists who commit traffic violations or cause car accidents can face significant increases in insurance premiums. Violations can include running a stop sign, speeding or driving under the influence (DUI). On average, speeding can increase injury rates by 42%, at-fault accidents by 70%, and DUIs by 95%.
How much your rates will increase after an accident or traffic violation depends on the company you have. According to our findings, Erie Insurance is the cheapest company if you have a previous driving violation. The table below shows average rates by company for drivers with speeding, accident or DUI tickets on their record.
According to our data, Erie Insurance offers the cheapest auto insurance rates for drivers with speeding violations on their record – $22 per month or $270 per year. Westfield follows closely behind with an average monthly premium of $32, while Progressive, Auto Owners Insurance and Geico round out the top five choices for cheap speeding ticket insurance in Springfield.
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If there is a car accident in which you are at fault, the price increase could be larger than if you were cited for speeding. Erie Insurance and Auto Owners Insurance are the cheapest options here with average prices around $29 per month and $38 per month respectively. You may find that some auto insurance companies charge more for this coverage after an accident.
Being caught driving under the influence is a serious violation that can result in a significant increase in your Springfield auto insurance premiums, potentially costing you hundreds of dollars each year.
Progressive is very cheap compared to other companies – offering an average price of $31 per month or $369 per year for DUI drivers. Erie Insurance, Auto Owners Insurance and Nationwide are also good options with an average price of less than $56 per month.
Zip codes can affect your auto insurance rates for many reasons. Auto insurance companies often look at the number of people, traffic and crime rates in a given area to determine risk. Below you can see that some zip codes in Springfield can be as much as 0.2% cheaper or 0.2% more expensive than the city average.
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Auto insurance in Springfield, Ohio, is 13% cheaper than the national average. In addition to these affordable prices, you can still find cheaper auto insurance. Erie Insurance offers budget-friendly minimum coverage for around $20 per month, and Nationwide offers affordable rates for Springfield drivers for $66 per month.
Compare free quotes to find the company that meets your Ohio auto insurance needs at the best price. You can compare insurance products and get auto insurance quotes online or from insurance agents.
Our data shows that a minimum coverage auto insurance policy in Springfield, Ohio costs an average of $45 per month or an average of $546 per year. If you want a full coverage policy, you’ll pay an average of $130 per month or $1,563 per year.
Full coverage auto insurance in Springfield, Ohio, is about 22% cheaper than the national average, while minimum coverage coverage is 13% cheaper than the national average.
Cheap Car Insurance In Springfield, Ohio: Affordable Rates (2023)
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