🏠 Home insurance cost in Springfield, IL (2027)
Estimated average: $2,070 per year — -10% vs. the U.S. average of $2,300.
With about 113,273 residents, Springfield is a mid-size city and the #6 largest city in Illinois. Home insurance rates here are estimated at $2,070 per year, near the Illinois average of $2,070 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Springfield with other Illinois cities.
Estimate your home insurance in Springfield
Springfield home insurance estimator
Starts from the Springfield estimate. Get quotes to confirm your price.
Springfield home insurance FAQ
How much is home insurance in Springfield, IL?
The estimated average is $2,070 per year — about the state average (0% vs. the Illinois average of $2,070, and -10% vs. the U.S. average).
Is home insurance more expensive in Springfield than elsewhere in Illinois?
Springfield has about 113,273 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Springfield?
Compare at least three quotes from insurers active in Springfield, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.