Cheap Capital, IL Auto Insurance Rates for 2021

Capital, IL is a suburban area of Springfield with the cheapest auto insurance rates in the city. When looking for insurance companies in the capital area, drivers should expect to pay $3,000 annually (if they’re older than 30). Younger drivers should expect to pay nearly double for auto insurance coverage. Learn more about auto insurance in the Illinois capital area.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Capital Township is a suburb of the capital of Illinois, Springfield
  • The ZIP code 62711 has the cheapest auto insurance rates for the city of Springfield
  • Drivers in Capital Township, on average, pay an annual rate of $3,058.88 for auto insurance

Capital Township — herein referred to as Capital, IL — is a suburb within Springfield, Illinois. However, drivers living near the capital should expect to pay more than $3,000 annually for coverage. Illinois auto insurance rates are fairly competitive when compared to other states.

Learn more about driving statistics in Capital, IL, and what to expect when looking for coverage in the area.

If you’re ready to start comparing affordable Capital, IL auto insurance, use our free tool. Enter your ZIP code to get connected with an agent near you.

What is the cheapest auto insurance company in Capital, IL?

Auto insurance in Springfield, Illinois, isn’t hard to find, but you should know where to buy Capital, IL auto insurance from that won’t break your bank.

Before taking a look at the numbers, it’s important to know that your rates will vary based on several factors. According to the Insurance Information Institute, Capital, IL, auto insurance quotes will be determined by car usage, driving record, where you live, how old you are, your gender, and the type of car you drive.

Who has the cheapest car insurance in Illinois? For men and women around 35 in Capital, IL, State Farm (around $1,400 annually) or Liberty Mutual (around $1,300). Check out a comprehensive list of the cheapest auto insurance companies in Capital, IL, for ages 17 to 65.

Capital, IL Average Annual Auto Insurance Rates by Age, Gender, Marital Status, and Company
CompanyAverage Annual Rates for Married 35-Year Old FemaleAverage Annual Rates for Married 35-Year Old MaleAverage Annual Rates for Married 60-Year Old FemaleAverage Annual Rates for Married 60-Year Old MaleAverage Annual Rates for Single 17-Year Old FemaleAverage Annual Rates for Single 17-Year Old MaleAverage Annual Rates for Single 25-Year Old FemaleAverage Annual Rates for Single 25-Year Old MaleAverage Annual Rates
Allstate$3,083.84$3,098.21$3,219.38$3,219.38$7,980.28$10,368.91$3,705.55$4,004.28$4,834.98
American Family$2,228.57$2,228.57$2,042.27$2,042.27$6,325.86$8,757.05$2,228.57$2,874.96$3,591.02
Farmers$2,359.43$2,358.69$2,090.21$2,211.74$10,253.51$10,695.83$2,696.26$2,817.26$4,435.37
GEICO$1,740.28$1,777.99$1,681.85$2,042.69$5,638.10$5,888.92$2,194.15$2,092.52$2,882.06
Liberty Mutual$1,313.65$1,415.78$1,088.96$1,216.10$4,448.56$4,948.63$1,374.59$1,449.42$2,156.96
Nationwide$1,715.64$1,744.14$1,528.98$1,617.44$4,706.11$6,029.37$1,997.46$2,160.71$2,687.48
Progressive$1,996.90$1,873.33$1,650.21$1,734.25$7,415.51$8,306.70$2,371.50$2,553.52$3,487.74
State Farm$1,481.94$1,481.94$1,333.42$1,333.42$4,395.10$5,567.28$1,679.15$1,935.88$2,401.02
Travelers$1,627.25$1,716.09$1,488.14$1,585.94$4,775.13$6,002.50$1,725.29$1,816.79$2,592.14
USAA$1,611.02$1,642.08$1,497.34$1,477.38$5,168.41$5,706.13$2,120.86$2,335.03$2,694.78
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Note: The table above also breaks down auto insurance rates for single and married individuals.

Drivers under 20 will pay more than double for an auto insurance policy in Capital, IL.

Age isn’t the only factor that will impact auto insurance rates. Keep reading to learn more about Capital, IL auto insurance options.

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What auto insurance coverage is required in Capital, IL?

Throughout the state of Illinois, all drivers must carry some form of insurance or face heavy fines or even loss of license.

The state minimum coverages are:

  • Bodily injury liability coverage – $25,000 per person
  • Bodily injury liability coverage – $50,000 per accident
  • Property damage liability coverage – $20,000 per accident

Drivers must have carry coverage for injury or death of one or more passengers and property damage to the driver. But let’s see how those rates may vary.

What affects auto insurance rates in Capital, IL?

Like in all of the Prarie State, Capital, IL weather will impact the way you drive. Since snow and rain are inevitable in Illinois, auto insurance companies account for weather risks in your insurance policy.

Other risks that may affect your auto insurance policy Capital, IL, may have nothing to do with you at all. The larger capital area ranks #278 in the list of most congested cities in the United States.

Springfield’s INRIX 2020 Traffic Scorecard reflects relatively good news for those looking for auto insurance. Less congestion means less risk of an accident and more minor wear and tear on your car.

Where within the city of Springfield you live will also affect your Capital, IL auto insurance quotes. The good news is that the suburb Capital Township, i.e., Capital, IL, has the cheapest rates in the area. Compared to the metro-Springfield area, Capital, IL, pay nearly $300 less for auto insurance annually.

Capital, IL Auto Insurance: The Bottom Line

Capital Township is a suburb of Springfield. However, auto insurance in the area will be impacted by the proximity to the city. You should expect to pay around $100 for auto insurance per month when living in this area — though it could be nearly double in some regions of Springfield.

Remember, your auto insurance policy in Capital, IL will differ based on your age, and you NEED to have coverage in Illinois.

Drivers have many options when looking for affordable Capital, IL auto insurance. Enter your ZIP code now to get Capital, IL auto insurance quotes from an agent in your area.

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