Best Cheap Auto Insurance in Springfield, Oregon (2025)

Springfield, Oregon, has extremely affordable car insurance, with an average monthly premium of $111 compared to the national average of $144. Drivers pay an average of $89 for liability coverage and $134 for full coverage.

Springfield’s cheap rates are likely due in part to its rural nature and relatively small population of just over 60,000.1 But if you’re looking to save even more money on car insurance, you have plenty of strategies at your disposal. This guide to finding cheap car insurance in Springfield, Oregon, can help you navigate the many options available and find the right policy for you.

Best car insurance companies in Springfield

Car insurance companies consider many factors when setting rates, like your age, ZIP code, driving record, vehicle type, and even your credit score. Your rate will be different from every other driver, so it’s important to compare quotes from multiple insurers to find the best fit.

Best insurer for cheap rates: State Farm

Best insurer for infrequent drivers: Mile Auto

Best insurer for military members and families: USAA

How to get the cheapest car insurance in Springfield

Car insurance rates may be lower in Springfield than in many other areas of the country, but you still want to take advantage of every opportunity to get a good deal on your policy.

Rates depend on several factors, such as the type of car you drive, the coverages you select, and the ZIP code where you park your vehicle at night.

The following strategies may help you qualify for lower rates:

• Select a higher deductible. Increasing your deductible is a straightforward way to reduce your premiums. When you increase your deductible, you agree to pay for more of your repairs out of pocket if you’re in an accident. Just make sure you can afford the out-of-pocket costs if you ever have to file a claim.

• Bundle your home and auto insurance policies. Many insurers offer discounts for bundling auto and home policies. You may also qualify for discounts when you bundle auto insurance with renters insurance, life insurance, and other types of policies.

• Take advantage of discounts. Most insurance companies offer discounts on insurance policies for safe driving, good grades, and completing defensive driver courses. Be sure to ask about any discounts you qualify for when shopping for car insurance.

• Drive your current car for as long as possible. Driving an older vehicle can often result in lower car insurance premiums since new vehicles cost more to repair or replace.

• Compare rates. Shopping around and comparing rates from the best companies is one of the easiest ways to save money on car insurance.

Cheapest liability-only car insurance in Springfield: Mile Auto

Liability-only car insurance is the minimum coverage you need to drive legally in most states. It covers damage and injuries you cause to other people and property in a car accident but not your own costs.

Springfield residents pay an average monthly rate of $89 for liability-only car insurance but Mile Auto offers the cheapest coverage for $62 per month.

Here are some of the best quotes for liability coverage in the city.

Cheapest full-coverage car insurance in Springfield: Mile Auto

If you want more protection than liability-only insurance coverage provides, then full-coverage car insurance is for you. Full coverage provides liability coverage, but it also covers your own medical costs and car repairs if you’re in an accident.

On average, full coverage costs Springfield drivers $1,605 per year. Mile Auto offers the cheapest full-coverage rates for $73 per month.

Below are some of the cheapest options for full-coverage auto insurance in the city.

Car insurance requirements in Oregon

Oregon requires all drivers to carry a minimum amount of bodily injury, property damage liability, personal injury protection, and uninsured motorist coverage. The table below shows the minimum coverage you’ll need to be legal behind the wheel:2

To ensure you’re protected, you may want to increase the limits above beyond the minimums and add some other optional coverages, such as:

Cheapest car insurance for drivers with an incident

Incidents include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations. Having incidents on your driving record usually increases your car insurance rates above what drivers with a clean record pay because insurers see it as higher risk and charge higher premiums to offset that risk.

However, you can still find affordable rates with blemishes on your record. Some insurers increase rates less than their competitors, while others offer accident forgiveness programs. It’s important to compare multiple insurance companies after an incident to find the best rate.

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

With one or more speeding tickets on your record, you’ll likely pay higher car insurance rates. The increase in premiums depends on the severity of the ticket and how many you have on your record.

Springfield drivers with a speeding ticket face an average monthly cost of $125 for liability-only coverage. But, Mile Auto offers the cheapest liability coverage for drivers with a speeding ticket for $78 per month.

Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.

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

Finding affordable car insurance with an at-fault accident on your record can be tough. Insurance companies see you as high-risk and may charge higher rates to account for that increased risk.

In Springfield, drivers with at-fault accidents average $148 per month for auto insurance. They can find the cheapest rates from Mile Auto for $82 per month.

Below are some of the lowest monthly quotes for drivers with an at-fault accident in the city.

Cheapest car insurance for drivers with a DUI: Mile Auto

Driving under the influence of drugs or alcohol is a risk you don’t want to take, as it can impact your car insurance rates for years. If you’re convicted of a DUI, your current insurance company might not renew your policy, and finding replacement coverage can be challenging and expensive.

The overall average monthly cost of car insurance with a DUI in Springfield is $136. Mile Auto has the cheapest rates fro drivers with a DUI at $84 per month.

Here are some of the lowest car insurance quotes for drivers with a DUI in the city.

Cheapest car insurance for seniors: Mile Auto

Drivers 70 and older have higher rates of fatal crashes per mile than middle-aged drivers, according to the Insurance Institute for Highway Safety.3 To account for this increased risk, while insurance companies start decreasing rates for drivers around age 35, they increase again around age 70.

Senior drivers in Springfield can find liability rates as low as $48 per month from Mile Auto.

Below are the average monthly car insurance quotes for seniors in the city.

Cheapest car insurance for teens: Mile Auto

Car insurance companies tend to charge higher rates for teen drivers because they have less experience behind the wheel and are more likely to be involved in accidents or get moving violations.

One way to reduce car insurance costs for your teen is to choose an insurer that offers discounts for young drivers, such as driver’s education and good student discounts. Teens can also keep rates relatively cheap by staying on their parents’ insurance policy.

On average, teen drivers in Columbus pay $182 per month for liability-only coverage, but they can find the cheapest rates from Mile Auto for $133.

Below are the average insurance quotes for teens in the city.

Springfield car insurance quotes by credit tier

The state of Oregon allows insurance companies to consider a customer’s credit history only when initially underwriting your policy — they can’t cancel or refuse to renew your policy because of your credit history.4

Insurance companies view drivers with poor credit as riskier and more likely to file claims than people with good or excellent credit. This means drivers with poor credit typically pay higher premiums for car insurance than drivers with better credit scores.

The following chart shows the average monthly premiums for each credit tier.

Is car insurance more expensive in Springfield?

Car insurance is more affordable in Springfield than in many other areas of the country. This may be due, at least in part, to Oregon’s unique car insurance laws.

Many states have minimum liability limits, and some require personal injury protection. But few require uninsured motorist coverage, which pays for the driver’s and passenger’s medical bills if they’re in an accident with a driver who doesn’t have insurance.5

Requiring all drivers to carry this coverage spreads the risk of uninsured drivers across all policyholders in the state rather than putting the risk solely on drivers who choose to purchase this coverage.

More cities in Oregon

Here’s how other cities in Oregon stack up to Springfield in terms of auto insurance quotes.