Springfield has 113,330 residents in 51,040 households. We list 6 agencies for life insurance in Springfield. Here is what the local numbers say about the cover people here need.

Springfield at a glance

6life insurance agencies listed
35.7%of households rentRenters insurance
$162,100median home valueHome insurance
1972median year homes were builtRebuild cost calculator
10.3%of households have no carAuto insurance
3.4%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Sangamon County

FEMA rates the overall natural hazard risk in Sangamon County, where most Springfield agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Springfield
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Springfield
Winter weatherRelatively High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Springfield
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Springfield

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Illinois

Illinois requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $20,000 of property damage liability, often written 25/50/20. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Springfield How much liability cover do you need?

Source: idoi.illinois.gov. Checked 2026-10-24.

Where Springfield agencies are

Springfield agencies we list sit in 3 ZIP codes, mostly in Sangamon County.

627044 agencies
627111 agency
627151 agency

Questions

Life insurance in Springfield

All insurance agencies in Springfield · Life insurance across Illinois

Where can I find life insurance in Springfield?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Do I need flood insurance in Springfield?

FEMA's National Risk Index rates inland flooding risk in Sangamon County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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