Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Springfield, KY
We monitor insurance prices, helping the average driver in Springfield save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Springfield
The chart below shows the cheapest car insurance company in Springfield for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by State Farm, Travelers, and Geico.
| Springfield Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $59 |
| State Farm | $59 |
| Travelers | $87 |
| Geico | $93 |
Savings for Every Kind of Springfield Driver
Based on our extensive insurance data, we know the average Springfield driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $526 per year by choosing the right vehicle insurance company. Some Springfield residents are paying out over $2,081 extra every year for auto insurance in Springfield. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Springfield, KY Savings / Yr. |
|---|---|
$526 |
|
$862 |
|
$848 |
|
$858 |
|
$1,699 |
|
$569 |
|
$911 |
Springfield Car Insurance vs. Kentucky
People living in Springfield pay an average of 2.49% less than the typical driver in the state. The average driver in Springfield can expect to pay about $1,072 per year, or $2,081 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Springfield for most people.
Car Insurance Prices by Springfield Neighborhood
Insurance Prices
Where is insurance cheapest within Springfield?
The map shows insurance prices in and around Springfield, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $85 per year within the city boundaries, with insurance premiums ranging from a high of $2,128 to a low of $2,043. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of Springfield.Pick the Best Car Insurance Company for You in Springfield
The best car insurance provider for most drivers in Springfield
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $526 over the average Springfield car insurance company.
The best car insurance provider for Springfield drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $862 over the competition.
The best car insurance company for Springfield drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $848 better than other car insurance companies.
The best auto insurance for Springfield drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $858 less each year.
The least expensive car insurance company for new and young drivers in Springfield
In Springfield, State Farm costs young drivers $1,699 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Springfield
State Farm gave the largest car insurance discounts to married couples, averaging $569 saved each year compared to an average Springfield couple's premiums.
The cheapest car insurance in Springfield for drivers with bad credit
The best Springfield car insurance company for customer service
Nationwide was the best company for customer service in Springfield according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Springfield, which was better than other insurers.
The cheapest large national provider in Springfield
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Springfield driver can expect to pay about $144 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Springfield, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, young drivers, and good drivers.Auto Insurance Prices in and Around Springfield
What Influences the Cost of Car Insurance in Springfield?
On average, car insurance in Springfield is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Springfield is 27 minutes, which is a little less than average for a driver in the state.
- Kentucky state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Springfield are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Springfield is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Springfield is $89 per month for minimum coverage and $173 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- St. Catharine: Insurance costs 0.58% more
- Valley Hill: Insurance costs 0.29% less
- Jimtown: Insurance costs 0.72% more
- Cisselville: Insurance costs 0.72% less
- Thompsonville: Insurance costs 0.10% more
- Texas: Insurance costs 4.57% more
- Fredericktown: Insurance costs 1.25% less
- Litsey: Insurance costs 1.68% more
- Croakes: Insurance costs 1.39% less
- Nerinx: Insurance costs 1.73% more
Cities with Similar Populations
- Charlotte: Insurance costs 34.26% less
- Clinton: Insurance costs 39.02% more
- Clifton: Insurance costs 20.13% less
- Clearwater: Insurance costs 26.53% less
- Clear Spring: Insurance costs 15.91% less
- Clear Lake: Insurance costs 20.52% less
- Cle Elum: Insurance costs 34.89% less
- Clayton: Insurance costs 43.20% less
- Clay Center: Insurance costs 26.53% less
- Clatskanie: Insurance costs 27.20% less