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Cheapest recent rates near Springfield, Ohio
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $45/mo for full coverage in Springfield and other Ohio cities.
*Quotes generated for Insurify users in and around Springfield, Ohio within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Springfield, Ohio within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $128 per month, compared to the state average $157. 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 $94 for car insurance.
Ohio requires motorists to carry liability insurance to drive legally in the state.
On average, Springfield motorists pay less for car insurance than other Ohioans do.
The Ohio Automobile Insurance Plan guarantees coverage for high-risk drivers.
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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.6
$71
$39
Cheap rates
Mile Auto
3.7
$56
$37
Pay-per-mile
Erie Insurance
4.6
$83
$45
Customer satisfaction
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$33/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.
$60/mo
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
There isn't much customer loyalty; discounts are negligible.
Charles - May 15, 2024
Verified
Good but Pricey
The price went up 36% this year and 15% last year, but the coverage is good and the claims seem to be fair. I use insurance that is better than the state requirements.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
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
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.
$32/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.
$48/mo
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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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
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
I was with them for over a decade and they decided not to renew my policy because I used my roadside assistance twice a year.
Tyrell - May 11, 2024
Verified
Excellent
Great job, try it!
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 damageliability 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 $61 per month for liability-only insurance. But, drivers can find the cheapest rates from Mile Auto for $32 per month.
Here, you can see a list of insurers offering the cheapest liability coverage in Springfield.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
32
State Farm
33
Hugo
34
Auto-Owners
39
Erie
39
Safeco
39
GEICO
42
USAA
43
Clearcover
45
American Family
47
Midvale Home & Auto
47
Elephant
49
Nationwide
49
Progressive
54
Commonwealth Casualty
59
Liberty Mutual
62
The General
64
National General
66
Dairyland
69
GAINSCO
69
Allstate
73
Direct Auto
74
CSAA
78
Travelers
79
Farmers
81
State Auto
90
Bristol West
108
Foremost
113
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Liability Insurance in Springfield
Cheapest rates starting at $32/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 $48 per month.
Here, you can see a list of quotes for full-coverage insurance offered by insurers in Springfield.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
48
State Farm
60
Elephant
70
Erie
70
Safeco
70
Auto-Owners
71
Clearcover
71
GEICO
77
Nationwide
79
USAA
79
Midvale Home & Auto
83
American Family
87
Hugo
95
Progressive
100
Travelers
105
Liberty Mutual
114
Direct Auto
122
GAINSCO
126
National General
131
Allstate
134
The General
134
CSAA
137
Commonwealth Casualty
141
Farmers
148
State Auto
158
Dairyland
176
Bristol West
220
Foremost
241
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $41 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
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 $128 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 $190 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 are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
68
45
State Farm
79
43
Auto-Owners
94
52
Erie
94
53
Safeco
94
52
Clearcover
95
60
Elephant
102
71
GEICO
102
56
USAA
104
57
Nationwide
105
65
Midvale Home & Auto
113
64
American Family
115
62
Hugo
133
47
Progressive
133
72
Travelers
140
105
Direct Auto
163
99
Liberty Mutual
166
90
Allstate
177
96
The General
179
86
GAINSCO
183
100
CSAA
186
106
National General
191
96
Farmers
194
106
Commonwealth Casualty
205
86
State Auto
227
129
Dairyland
234
92
Bristol West
288
142
Foremost
351
164
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
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, $92 for liability-only coverage and $194 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 are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
82
45
Safeco
93
52
Elephant
95
66
Auto-Owners
97
53
Erie
98
55
Clearcover
104
66
GEICO
106
58
USAA
108
59
Nationwide
109
68
American Family
119
64
Midvale Home & Auto
120
68
Hugo
127
45
Progressive
140
75
Travelers
145
109
GAINSCO
168
92
Direct Auto
171
104
Liberty Mutual
171
93
National General
179
90
Allstate
184
100
The General
188
90
Commonwealth Casualty
191
80
CSAA
197
112
Farmers
202
111
State Auto
239
136
Dairyland
242
95
Bristol West
297
146
Foremost
361
169
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Hugo
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 $161 per month for car insurance, compared to the overall average for drivers with a clean record of $94. The following table illustrates the cost of liability-only insurance for drivers with an OVI in Springfield.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
74
49
State Farm
102
56
Elephant
119
83
Erie
119
66
Safeco
119
66
Auto-Owners
120
66
Clearcover
120
76
GEICO
131
71
Nationwide
134
83
USAA
134
73
Midvale Home & Auto
141
80
American Family
148
80
Hugo
161
58
Progressive
170
92
Travelers
178
134
Liberty Mutual
193
105
Direct Auto
207
125
GAINSCO
214
117
National General
222
112
Allstate
227
124
The General
227
109
CSAA
232
132
Commonwealth Casualty
239
100
Farmers
251
137
State Auto
268
153
Dairyland
298
117
Bristol West
373
183
Foremost
409
192
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Hugo
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 $84 for full coverage. Hugo offers the cheapest liability rates at $21 per month for coverage.
The table below shows the average quotes from area insurers.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
32
22
State Farm
41
23
Erie
46
26
Elephant
49
34
Auto-Owners
50
27
Safeco
50
28
Clearcover
51
32
Nationwide
52
32
GEICO
55
30
Midvale Home & Auto
56
32
USAA
56
31
American Family
60
33
Hugo
60
21
Progressive
63
34
Travelers
73
55
Liberty Mutual
80
44
Direct Auto
84
51
GAINSCO
92
50
National General
94
47
Allstate
96
52
CSAA
96
55
The General
98
47
Commonwealth Casualty
100
42
Farmers
103
56
State Auto
108
62
Dairyland
126
49
Bristol West
158
77
Foremost
168
79
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
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 $225 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.
State Farm offers the cheapest liability rates in Springfield for teens at $55 per month.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
100
55
Elephant
114
80
Erie
116
65
GEICO
119
65
Auto-Owners
121
66
USAA
129
70
Nationwide
133
83
Clearcover
136
86
Midvale Home & Auto
143
81
Safeco
145
81
American Family
150
81
Hugo
164
59
Progressive
179
96
Travelers
186
140
Liberty Mutual
210
114
The General
214
102
Direct Auto
220
133
CSAA
222
126
GAINSCO
223
122
Allstate
231
126
National General
241
122
Commonwealth Casualty
247
103
Farmers
257
141
State Auto
276
157
Dairyland
291
114
Bristol West
370
181
Foremost
421
197
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Springfield
Unlock savings and discounts when you compare rates with Insurify
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Based on 3,806+ reviews
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $115, compared with $94 in Springfield. Nationwide, the average is $160.
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
$177
$83
Cleveland
$190
$86
Columbus
$188
$84
Dayton
$167
$75
Hamilton
$160
$80
Toledo
$194
$86
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Springfield car insurance FAQs
Looking for more information to help you find the most affordable car insurance in Springfield? The following answers can help.
How much is car insurance in Springfield, Ohio?
The average rates for car insurance in Springfield are $61 for liability coverage and $128 for full coverage. This makes Springfield one of the more affordable cities of its size in Ohio.
Which companies have the cheapest car insurance rates in Springfield?
Mile Auto has the lowest rates for liability-only car insurance at an average of $32 per month. Springfield drivers can also find affordable coverage with State Farm and Hugo, which have average monthly rates of $33 and $34 for liability coverage, respectively.
What are the best car insurance companies in Springfield?
State Farm, Mile Auto, and Erie Insurance rank as three of the best insurers in Springfield. State Farm and Erie Insurance both have top Insurify Quality Scores of 4.4, and each is recognized for offering competitive rates and having outstanding customer satisfaction scores. Mile Auto’s unique business model invites you to pay for coverage only for the miles you drive. This can make coverage from Mile Auto incredibly affordable for drivers who drive fewer miles each year.
What factors affect the cost of car insurance in Springfield, OH?
Several factors can affect the rate you pay for car insurance in Springfield, including your age, gender, marital status, credit, driving history, and area of residence. If you live in an area where accidents and crime are common, you may end up paying more for car insurance than drivers in areas where these are rare.
How much car insurance do you need in Ohio?
To drive legally in the state of Ohio, you must carry insurance coverage that meets the state’s minimum requirements. This includes bodily injury liability coverage of $25,000 per person and $50,000 per accident. You must also carry property damage liability coverage of $25,000 per accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.