Springfield Insurance Rates:

Springfield, IL homeowners insurance is nearly $629 to $851, about $52-$70/month. Our in depth research reveals consumers can save upto $295 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

State Farm
The insurance company is trying to find loopholes to get out of paying for an insurance claim that is rightfully mine!
Liberty Mutual
When shopping around for home insurance, they gave me the best rate for the best services. they have also been very friendly whenever i call with a question.
Homesite Insurance
I do not receive any promotional materials from homesite, which would be okay for some, but the lack of marketing materials and contact from the company leaves me wondering if there are additional options available from the company that i may not be aware that would better serve me or improve my coverage.
American Family
They are always fast and friendly with their responses to questions and inquiries, easiest company, by far, to deal with.
Goodville Mutual
I have been a customer with goodwill for seven years now and have nothing but, good things to say about them.
Country Financial
No problems, they are easy to access and answered any simple questions I’ve had so far at this point.
Liberty Mutual
I like how the website is laid out. Everything is easy to locate and they offer chat support if you can't find what you are looking for. I've never had any problems with the website. I haven't used the mobile app.
Allstate
i rate then a 4 because i like that i call them and they pick up the phone they are actually located in america so i dont have to talk to someone in chine
Erie Insurance
Unless I initiate the interaction then I don't hear from anyone and the rates just keep going up without any explanation.
Country Financial
The customer service is excellent. They always respond back quickly and if you have a claim they pay within days.
State Farm
Claims are handled promptly, courteously. Questions are handled promptly and in detail. If I need hard copies of anything I get them as requested and promptly,
Allstate
I recommend this company to everyone I can. The customer service is unfailingly pleasant and helpful. They are very patient and willing to talk to you like a real person. They are empowered to not just follow a script but to really talk to you.
Allstate
The option to use the online app, the quick and professional communication as well as friendly service makes the company very easy to work with
State Farm
Well, naturally, I dislike the fees. I think that my premium should be a little lower than it is, and I expect in the future that it will go down. I am okay with paying the premium, but I can still want it to go down.
Farmer's Insurance
I have had an issue one time about communication. it was over something little but I still would have liked to have known about it since it did pertain to me.
Erie Insurance
The company has provided me with a good policy and is competitive with everyone in the area. I like that they are reliable and always help me when problems arise.
Horace Mann
I would recommend this company to other individuals simply because of the excellent customer service that is offered. The rates are also decent and economical.
Meemic Insurance
I would definitely recommend this insurance company. It was quick and easy to acquire (it took about 15 minutes over the phone) and I had proof emailed to me right away. I feel like their coverage is great and so is their price. SO far, their customer service has been exceptional.
Allstate
I would without a doubt recommend AllState as they have been great to work with so far. I have no doubt that I will have any trouble implementing my policy if I ever need to, as what it covers is very clearly written and displayed for me.
Progressive
I recommend Progressive because they have many discounts and reasonable payments. Progressive offers deals when you bundle your home and auto insurances. They also have perks for customers the longer they are insured with them.
Pekin Insurance
I wish I had a bit more communication from them and I also wish I could access a website portal that had all of my info, like some of the big insurance firms would have.
State Farm
I like our agent and the fact that his office is just about a mile from where we live. He is a very good agent, very personable and always able to answer our questions, unlike his customer service ladies.
Pekin Insurance
I don't like the premiums I have to pay. they keep increasing even though I have never had a claim. I don't understand why very well.
State Farm
This seems a bit redundant but I am very happy with State Farm they are always eager to help and answer questions the same day I call or willing to discuss changes in my policy
Allstate
I like that the company is well known and reliable. I feel like I can trust the company overall since so many of my friends and family also have All State.

Springfield, IL Homeowners Insurance By Home Value

Springfield, IL Home Value Total Homes % of Total Average Springfield, IL Homeowners Insurance
Less than $50,000 3,782 12.0% $155
$50,000 to $59,999 1,410 4.0% $332
$60,000 to $69,999 1,774 5.0% $413
$70,000 to $79,999 2,059 6.0% $472
$80,000 to $89,999 2,424 7.0% $539
$90,000 to $99,999 2,023 6.0% $605
$100,000 to $124,999 4,521 14.0% $702
$125,000 to $149,999 3,534 11.0% $872
$150,000 to $174,999 2,781 8.0% $1034
$175,000 to $199,999 1,711 5.0% $1197
$200,000 to $249,999 2,476 7.0% $1433
$250,000 to $299,999 1,573 4.0% $1758
$300,000 to $399,999 1,443 4.0% $2231

Top Home Insurance Agents Near Springfield, IL

Home Insurance Company Near Springfield, IL Homeowners Insurance Agency Near Springfield, IL Address
NA The Hohmann Agcy 1850 W Morton, Jacksonville, IL, 62650
Travelers Central Illinois Agents Group Llc 123 E DOUGLAS AVE, PETERSBURG, IL, 62675
Erie Koonce Insurance Agency Inc. 306 E First Street Suite A, Pana, IL, 62557
Travelers Prairie State Insurance Agency Inc 113 W DOUGLAS AVE, PETERSBURG, IL, 62675
Erie Richland Insurance Services Inc. 104 North Drive, Mount Zion, IL, 62549

Cost Of Homeowners Insurance By Street Near Springfield, IL

Streets in Springfield Area Homeowners Insurance Cost
Wind Meadow Dr, Crossing Dr, Pinoak Ln, Wood Ridge Dr, Winterberry Ln, Key West Ln, White Birch Dr, White Pine Dr, E Griffiths Ave, Haviland Dr$786
Clearview Dr, Pebble Beach Dr, Rutgers Dr, Glendale Dr, International Pkwy, Stardust Dr, S 6th Street Frontage Rd E, Wildcat Run, Turnberry Pl, Grinnell Dr$775
Casting Dr, Noble Ave, Co Rd 4e, Cottage Grove, Tumbleweed Trl, Irwin Ln, W Cedar St, Carnoustie Dr, Mitchell Dr, Timbercrest Ct$773
Parkview Dr, Sheridan St, Jemi Ln, Oak Terrace Ln, Villa Grove, Tallgrass, E Allen St, SE Old State Capitol Plz, Dove Dr, Bristol Dr$799
Monica Ct, Oakcrest Rd, Almahurst Dr, Broad Pl, S Sherman Blvd, Elmhurst Dr, Jerome Ave, Ross Rd, Anchor Rd, N Oak Rd$762
Eagles Lndg, Green Trail Dr, Camp Cilca Rd, Riech Rd, Casey Dr, Emporia Ave, E Thoma St, Russell Dr, Stonehaven Ridge, Crestview Dr$769
Lindbergh Blvd, Pickering Ln, Dave Stockton Dr, Springcreek Dr, Tamaroa Trl, Plateau Dr, Connie Dr, New Salem Church Rd, Arcade Dr, Windamere Dr$732
Warwick Dr, Sequoia Dr, E Black Ave, Bergamot Dr, S Palmer St, Whispering Ln, Collingwood Dr, Prairie Ln, W Fayette Ave, Buckeye$773
Eagle Wing Rd, Hackberry Dr, Plaza Dr, St Mary's Ct, 750 A South Rd, Waterbury Pond Ct, Saint Marys Ct, W Miller St, W Calhoun Ave, Ridgeview Rd$706
Saint James Ct, Bontjes, Groth St, Woodmore Dr, Palomino Rd, Pine Ridge Dr, Prairie Crossing Dr, Lansing Dr, Evergreen Walk Dr, Spindel Dr$800

Springfield, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Springfield$110 to $113
Capital$110
Leland Grove$118
Grandview$107

Springfield, IL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Capital township, Sangamon County, Illinois $110 $147 $221
Leland Grove city, Illinois $118 $157 $236
Grandview village, Illinois $107 $143 $215

Springfield, IL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Springfield, IL5.2%13.5%
Capital5.2%13.53%
Leland Grove3.66%8.79%
Grandview6.96%18.99%

Springfield Renters Insurance as a Percentage of Rent

Springfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 355 2.0% $350
$200 to $299 620 3.0% $800
$300 to $499 2,200 13.0% $1250
$500 to $749 6,303 37.0% $1925
$750 to $999 4,852 28.0% $2675
$1,000 to $1,499 1,804 10.0% $3800
$1,500 or more 669 3.0% $5450

Springfield, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$2,200
Yearly Springfield Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,200$2,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,800$6,200
Net Savings to Springfield Home Owner from High Deductible Plan $600

Springfield, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Springfield, IL Home Replacement Value MORE than Home Value Springfield, IL Home Replacement Value LESS than Home Value
Replacement Value $237,500 $169,500
Insurance Premium based on Replacement Value $1,325 $950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $37,000 Risk Exposure from Under Insuring Coverage is $31,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $200/year

Example Springfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateGEICO Insurance
Monthly Premium 564252
Year Built 199319741940
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $125000-$150000$100000-$125000$125000-$150000
Deductible $1000-$2500 Deductible$500 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Springfield, IL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1978 175,000 Membrane Roof 1,900 4 $500 Deductible 140 2 Brick siding No
2007 230,000 Composition Roof 3,240 4 $500 Deductible 550 6 Vinyl siding yes
2011 270,000 Metal Roof 4,350 5 $2500-$5000 Deductible 190 2 Stone Siding No
1985 245,000 Metal Roof 2,770 5 > $10,000 Deductible 740 12 Wood siding No
1999 200,000 Metal Roof 2,190 3 $500 Deductible 1340 12 Brick siding yes
2014 135,000 Tile Roof 2,150 3 $1000-$2500 Deductible 200 5 Stucco siding yes
1970 130,000 Shingles Roof 1,680 5 $500 Deductible 660 9 Brick siding yes
1981 260,000 Wood Shake Roof 3,320 5 $500- $1000 Deductible 110 1 Stone Siding No
1978 110,000 Membrane Roof 1,610 3 $500 Deductible 110 3 Wood siding yes
1974 300,000 Composition Roof 3,620 5 $500- $1000 Deductible 590 7 Brick siding No
1980 140,000 Wood Shake Roof 1,940 3 $2500-$5000 Deductible 520 10 Vinyl siding No
1973 160,000 Wood Shake Roof 2,070 3 $5000 to $10,000 Deductible 310 10 Vinyl siding No
1984 370,000 Metal Roof 4,630 5 $500 Deductible 1130 5 Fiber-Cement Siding yes
1947 105,000 Composition Roof 1,390 3 $1000-$2500 Deductible 160 4 Stone Siding No
1990 115,000 Slate Shingles Roof 1,460 2 $500 Deductible 600 12 Vinyl siding No
1969 135,000 Wood Shake Roof 2,120 5 $2500-$5000 Deductible 80 2 Fiber-Cement Siding No
2002 275,000 Asphalt Shingles Roof 3,940 5 > $10,000 Deductible 480 7 Brick siding No
1965 95,000 Membrane Roof 1,540 3 $1000-$2500 Deductible 240 10 Wood siding yes
1987 120,000 Metal Roof 1,670 2 $2500-$5000 Deductible 220 8 Vinyl siding yes
2013 340,000 Asphalt Shingles Roof 4,560 5 $1000-$2500 Deductible 330 3 Fiber-Cement Siding yes
2013 90,000 Tile Roof 1,010 2 $2500-$5000 Deductible 60 2 Wood siding No
1989 70,000 Tile Roof 970 2 $500 Deductible 200 9 Stone Siding No
1995 135,000 Tile Roof 1,900 3 $1000-$2500 Deductible 180 4 Fiber-Cement Siding yes
1974 80,000 Wood Shake Roof 1,290 2 $1000-$2500 Deductible 160 6 Wood siding yes
1959 105,000 Metal Roof 1,815 2 $500- $1000 Deductible 60 2 Brick siding No