The best auto insurance company in Springfield depends on your profile and requirements. State Farm is the cheapest for minimum coverage. American Family is the most affordable for full coverage policies and after driving violations. GEICO is the cheapest for teens, and USAA is most affordable for military-affiliated drivers. Shelter offers the best customer service, while American Family is the best overall.
Cheapest and Best Car Insurance in Springfield, MO
Cheapest Minimum Liability Car Insurance in Springfield
The following companies offer the best minimum coverage auto insurance in Springfield, Missouri:
- State Farm: $470 per year
- Nationwide: $488 per year
Kemper is the most expensive for the same coverage, at $926 per year. As of October 2022, State Farm also offers the cheapest minimum coverage policy in Missouri for an annual premium of $415, which is $55 cheaper than in Springfield. Location often influences car insurance rates.
A minimum policy includes the coverage required by Missouri law. To legally drive in Springfield, drivers must carry bodily injury liability, property damage liability and uninsured motorist coverage with the following limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage per accident
The above-stated amounts refer to the limit your insurer will pay. If expenses exceed these limits and you are the at-fault driver, you will be responsible for the additional costs.
Cheapest Full Coverage Car Insurance in Springfield
The following companies offer the cheapest full coverage car insurance in Springfield:
- American Family: $875 per year
- Nationwide: $919 per year
Kemper’s full coverage policies are the costliest at $2,462 per year.
Premiums in Springfield are in line with the cost of premiums statewide. Nationwide offers the cheapest full coverage car insurance in Missouri at $909 per year as of October 2022.
A full coverage car insurance policy includes collision and comprehensive insurance.
- Collision Insurance pays to repair or replace your vehicle if it's damaged in a collision with another car or object.
- Comprehensive Insurance covers the costs associated with damages caused by non-collision factors, such as theft, vandalism, natural disasters, fire and falling objects.
A full coverage policy is usually more suitable for new vehicle owners. However, paying for a full coverage policy may not be worthwhile for older vehicles whose value is lower than the combined cost of your insurance premiums.
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Cheapest Car Insurance in Springfield After a Driving Offense
American Family is the cheapest car insurance company for drivers with violations on their records in Springfield.
- Accident: American Family ($1,056 per year)
- DUI: American Family ($1,017 per year)
- Speeding: American Family ($1,017 per year)
Driving infractions frequently result in higher car insurance rates. Even if you choose the cheapest insurance, premiums will still likely be higher than those for a driver with a clean record.
After a speeding ticket, premiums in Springfield increase by $321. The increase jumps to $509 after a DUI. If you have a bad driving record in Springfield, it’s best to search for the most affordable options for car insurance following a violation.
Cheapest Car Insurance in Springfield for Teens and Their Families
The following insurers offer the cheapest rates for adding a teen driver to a family policy in Springfield:
- GEICO: $1,125 per year for female teens; $1,190 per year for male teens
- Nationwide: $1,787 per year for female teens; $1,942 per year for male teens
In Springfield, Kemper charges the highest premiums, at $7,052 for female teens and $8,666 for male teen drivers annually.
Adding a teen driver to your family policy is more cost-effective than buying them a separate policy. You will pay an average of $3,348 per year to add a 16-year-old male driver to your family policy. An individual policy for the same teen costs $7,251 per year, an average of $3,902 more each year. Always shop around for cheap car insurance for teens to find the best deals.
Cheapest Car Insurance in Springfield for Military Drivers
Military drivers in Springfield will find the cheapest full coverage car insurance from the following companies:
- USAA: $529 per year
- American Family: $875 per year
USAA also ranked as the cheapest company for a minimum car insurance policy for military drivers at $201 per year. State Farm offers the second most affordable at $470 per year.
When looking for the cheapest military car insurance, you can save hundreds of dollars per policy year by comparing insurers in your city.
How to Compare Cheap Springfield Car Insurance Quotes Online
Obtaining an online car insurance quote from a single insurer can be time-consuming, often taking over 15 minutes and requiring you to disclose personal information. However, with the MoneyGeek insurance calculator, you can quickly obtain an estimate by simply entering your age, vehicle type, coverage level and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Springfield: Summary
The best insurer for you will depend on how you prioritize cost, customer service and coverage options. MoneyGeek identified the top companies for different types of drivers in Springfield, Missouri.
- Best overall: American Family (MoneyGeek score 80 out of 100)
- Best for service: Shelter (MoneyGeek score 68 out of 100)
- Best cheap: State Farm (MoneyGeek score 78 out of 100)
Note that a company's overall score may vary depending on the specific category it is being evaluated for.
Location affects insurance rates, so the best or cheapest company for a driver can vary depending on their area. For example, Allstate ranks as the best car insurance provider in Missouri overall, but American Family is the top choice for Springfield drivers.
Best Overall Car Insurance in Springfield
Based on MoneyGeek’s review, the best overall companies for auto insurance in Springfield, Missouri, are:
- American Family: MoneyGeek score 80 out of 100 ($875 per year)
- State Farm: MoneyGeek score 74 out of 100 ($992 per year)
USAA Auto Insurance is another top choice for military-affiliated drivers, at $636 per year. The company has a MoneyGeek score of 84 out of 100.
American Family earned a perfect score for coverage and an average score for customer satisfaction. The second-best insurer, State Farm, scored higher in satisfaction.
How was this MoneyGeek score calculated?
Offers all four common coverages
Average customer satisfaction score
Offers a wide range of discounts
Decent claims management
On average, American Family Auto Insurance policies cost $875 per year, or around $73 per month. The company earned a MoneyGeek score of 80 out of 100—the highest among the ten insurers we reviewed for Springfield drivers.
American Family earned a perfect coverage score for offering all four common auto insurance coverages (rental car and/or travel reimbursement, roadside assistance, gap insurance and OEM coverage). In addition, it offers the rare Auto Death Indemnity coverage, which helps pay for injury or death expenses after a covered accident, regardless of who is at fault.
This insurer has a list of discounts that could lower your policy premiums. These include discounts for having factory-installed emergency equipment like airbags, enrolling in paperless billing, paying in full, insuring multiple cars and more.
Best Car Insurance in Springfield for Customer Service
For drivers in Rockford who value customer service, regardless of cost, the following companies are the best options, according to MoneyGeek’s evaluation:
- Shelter: MoneyGeek score 68 out of 100 ($1,695 per year)
- American Family: MoneyGeek score 63 out of 100 ($875 per year)
Of the ten top insurers we evaluated in Springfield, Shelter scored the highest for claims management and customer satisfaction. It earned an average score on coverage. Meanwhile, American Family has the highest coverage and second-highest claims management scores.
Shelter policies can be costly, indicating customers pay more for better service.
How was this MoneyGeek score calculated?
Offers three out of four common coverages
Received positive reviews on customer satisfaction
Offers new car replacement
Receives a fair amount of complaints regarding claims management
One of the city’s most expensive policies
Shelter Auto Insurance earned a MoneyGeek score of 68 out of 100 for the best customer service in Springfield, Missouri. Policies from Shelter cost $1,695 per year or approximately $141 per month.
Shelter offers rental car and/or travel reimbursement, roadside assistance and gap insurance. Roadside assistance provides 24/7 help if your car breaks down while on the road due to occurrences like a flat tire or dead battery. The rental car add-on pays for a rental while your vehicle is being fixed due to a covered incident.
If you have gap insurance and your car is totaled, Shelter will pay for the difference between what you owe on your loan and your car's value. The company's new car replacement coverage replaces your totaled car with the same make and model as long as you bought it within the last year and put less than 15,000 miles on it.
Best Cheap Car Insurance in Springfield
MoneyGeek analyzed the affordability and service quality of insurers offering policies that meet the state’s minimum requirements. The following companies have the top scores in Springfield:
- State Farm: MoneyGeek score 78 out of 100 ($470 per year)
- American Family: MoneyGeek score 77 out of 100 ($531 per year
State Farm has a perfect affordability score and scored high for customer satisfaction. American Family, which costs an additional $61 per year, got a perfect score on coverage.
It is important to note, however, that a minimum policy has low premiums but limits liability protection and does not cover damages to your car.
How was this MoneyGeek score calculated?
Average customer satisfaction rating
Most affordable among all insurers
Receives claims management complaints
Lacks many essential coverages
For the best cheap company combining affordability and service quality, State Farm earned the highest overall score of 78 out of 100. State Farm Auto Insurance provides coverage at the cheapest rate of $470 per year, or $39 per month. While ensuring affordability, State Farm delivers satisfactory service to customers in Springfield.
The company offers two out of four common coverages (rental car and/or travel reimbursement and roadside assistance) but lacks unique coverages. Drivers looking to save more can take advantage of State Farm's various discount opportunities. For example, the insurer offers discounts for bundling, safe driving or daytime running lights. Those with new cars or who insure multiple vehicles also get discounts.
Average Cost of Car Insurance in Springfield
As of October 2022, Springfield drivers pay $1,231 per year for car insurance on average. This is $123 less than the average cost of car insurance in Missouri at $1,388 per year but more than the national average cost of car insurance at $1,265 per year. Location is one factor that affects insurance rates across the country.
These costs are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
About Mark Fitzpatrick