Best Cheap Auto Insurance in Springfield, Ohio (2025)

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 $107 per month, compared to the state average $121. 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.

Best insurer for cheap rates: State Farm

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

Best insurer for customer satisfaction: Erie Insurance

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 $64 per month for liability-only insurance. But, drivers can find the cheapest rates from Mile Auto for $34 per month.

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

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 $49 per month.

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

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.

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

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.

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 $107 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 $133 a month.

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

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, $82 for liability-only coverage and $137 for full coverage. Here’s a collection of average monthly quotes you can expect to receive with an accident on your record in Springfield.

Cheapest car insurance for drivers with a DUI: Erie

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.7

Springfield drivers with an OVI conviction face an overall average rate of $137 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.

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 $89 for full coverage. Mile Auto offers the cheapest liability rates at $26 per month for coverage.

The table below shows the average quotes from area insurers.

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 $228 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 $75 per month.

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 $96, compared with $85 in Springfield. Nationwide, the average is $144.

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.