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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.

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2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$444

$37

State Farm

$470

$39

Nationwide

$479

$40

Nationwide

$488

$41

American Family

$523

$44

American Family

$531

$44

Progressive

$559

$47

State Farm

$561

$47

American Family

$572

$48

Progressive

$578

$48

Travelers

$584

$49

Travelers

$614

$51

Travelers

$645

$54

AAA

$650

$54

Allstate

$653

$54

Nationwide

$663

$55

Shelter

$673

$56

Allstate

$683

$57

Progressive

$705

$59

GEICO

$709

$59

AAA

$741

$62

GEICO

$758

$63

GEICO

$767

$64

Allstate

$781

$65

Shelter

$809

$67

American Family

$814

$68

Nationwide

$848

$71

American Family

$875

$73

State Farm

$914

$76

Nationwide

$919

$77

Kemper

$926

$77

American Family

$936

$78

AAA

$945

$79

Kemper

$957

$80

Allstate

$981

$82

State Farm

$992

$83

Kemper

$1,040

$87

Allstate

$1,061

$88

Travelers

$1,123

$94

Travelers

$1,137

$95

State Farm

$1,220

$102

Nationwide

$1,232

$103

Shelter

$1,257

$105

Allstate

$1,294

$108

Travelers

$1,304

$109

AAA

$1,380

$115

Progressive

$1,400

$117

Shelter

$1,405

$117

GEICO

$1,421

$118

GEICO

$1,431

$119

Progressive

$1,475

$123

AAA

$1,581

$132

GEICO

$1,590

$133

Shelter

$1,695

$141

Progressive

$1,789

$149

AAA

$2,025

$169

Kemper

$2,408

$201

Kemper

$2,462

$205

Shelter

$2,613

$218

Kemper

$2,904

$242

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.

Company
Annual Premium
Monthly Premium

State Farm

$444

$37

State Farm

$470

$39

Nationwide

$479

$40

Nationwide

$488

$41

American Family

$523

$44

American Family

$531

$44

Progressive

$559

$47

State Farm

$561

$47

American Family

$572

$48

Progressive

$578

$48

Travelers

$584

$49

Travelers

$614

$51

Travelers

$645

$54

AAA

$650

$54

Allstate

$653

$54

Nationwide

$663

$55

Shelter

$673

$56

Allstate

$683

$57

Progressive

$705

$59

GEICO

$709

$59

AAA

$741

$62

GEICO

$758

$63

GEICO

$767

$64

Allstate

$781

$65

Shelter

$809

$67

American Family

$814

$68

Nationwide

$848

$71

American Family

$875

$73

State Farm

$914

$76

Nationwide

$919

$77

Kemper

$926

$77

American Family

$936

$78

AAA

$945

$79

Kemper

$957

$80

Allstate

$981

$82

State Farm

$992

$83

Kemper

$1,040

$87

Allstate

$1,061

$88

Travelers

$1,123

$94

Travelers

$1,137

$95

State Farm

$1,220

$102

Nationwide

$1,232

$103

Shelter

$1,257

$105

Allstate

$1,294

$108

Travelers

$1,304

$109

AAA

$1,380

$115

Progressive

$1,400

$117

Shelter

$1,405

$117

GEICO

$1,421

$118

GEICO

$1,431

$119

Progressive

$1,475

$123

AAA

$1,581

$132

GEICO

$1,590

$133

Shelter

$1,695

$141

Progressive

$1,789

$149

AAA

$2,025

$169

Kemper

$2,408

$201

Kemper

$2,462

$205

Shelter

$2,613

$218

Kemper

$2,904

$242

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.

Company
Annual Premium
Monthly Premium

State Farm

$488

$41

State Farm

$488

$41

State Farm

$517

$43

State Farm

$517

$43

State Farm

$532

$44

State Farm

$563

$47

Nationwide

$564

$47

Nationwide

$578

$48

American Family

$612

$51

American Family

$612

$51

State Farm

$618

$51

State Farm

$618

$51

American Family

$619

$52

American Family

$619

$52

American Family

$621

$52

American Family

$628

$52

American Family

$662

$55

American Family

$662

$55

Progressive

$662

$55

American Family

$670

$56

State Farm

$674

$56

Progressive

$721

$60

Nationwide

$725

$60

Allstate

$740

$62

Travelers

$748

$62

Progressive

$748

$62

Nationwide

$771

$64

Travelers

$776

$65

Allstate

$777

$65

Nationwide

$780

$65

Travelers

$784

$65

Progressive

$798

$66

Travelers

$817

$68

Progressive

$828

$69

Allstate

$830

$69

Travelers

$837

$70

GEICO

$847

$71

Allstate

$851

$71

Travelers

$867

$72

Allstate

$874

$73

GEICO

$882

$74

Travelers

$882

$74

Progressive

$883

$74

Shelter

$889

$74

Allstate

$896

$75

Nationwide

$897

$75

Allstate

$899

$75

Travelers

$901

$75

AAA

$909

$76

GEICO

$946

$79

Nationwide

$950

$79

American Family

$952

$79

American Family

$952

$79

Kemper

$970

$81

Travelers

$975

$81

GEICO

$981

$82

American Family

$986

$82

State Farm

$990

$83

State Farm

$990

$83

AAA

$995

$83

Nationwide

$997

$83

Progressive

$1,001

$83

Kemper

$1,002

$84

Shelter

$1,011

$84

Shelter

$1,011

$84

AAA

$1,013

$84

American Family

$1,017

$85

American Family

$1,017

$85

Allstate

$1,018

$85

GEICO

$1,022

$85

AAA

$1,042

$87

Allstate

$1,046

$87

American Family

$1,056

$88

Nationwide

$1,060

$88

State Farm

$1,066

$89

Shelter

$1,072

$89

State Farm

$1,073

$89

State Farm

$1,073

$89

American Family

$1,088

$91

American Family

$1,088

$91

Kemper

$1,091

$91

Kemper

$1,120

$93

GEICO

$1,122

$94

American Family

$1,131

$94

Allstate

$1,132

$94

Nationwide

$1,139

$95

AAA

$1,143

$95

Progressive

$1,144

$95

Progressive

$1,150

$96

State Farm

$1,154

$96

AAA

$1,166

$97

Nationwide

$1,176

$98

GEICO

$1,201

$100

Kemper

$1,203

$100

Shelter

$1,220

$102

Shelter

$1,220

$102

Allstate

$1,225

$102

GEICO

$1,236

$103

Kemper

$1,262

$105

Allstate

$1,273

$106

Kemper

$1,290

$108

Allstate

$1,317

$110

State Farm

$1,324

$110

State Farm

$1,324

$110

Nationwide

$1,338

$111

AAA

$1,343

$112

Allstate

$1,378

$115

Nationwide

$1,384

$115

Kemper

$1,388

$116

Allstate

$1,425

$119

State Farm

$1,428

$119

Nationwide

$1,435

$120

Kemper

$1,454

$121

GEICO

$1,461

$122

Travelers

$1,466

$122

AAA

$1,474

$123

Shelter

$1,476

$123

AAA

$1,504

$125

Allstate

$1,510

$126

Travelers

$1,515

$126

Travelers

$1,543

$129

Travelers

$1,581

$132

Travelers

$1,600

$133

Travelers

$1,633

$136

Nationwide

$1,642

$137

Travelers

$1,670

$139

Shelter

$1,683

$140

Shelter

$1,683

$140

Progressive

$1,683

$140

GEICO

$1,695

$141

Allstate

$1,708

$142

Nationwide

$1,740

$145

Progressive

$1,768

$147

Travelers

$1,771

$148

Allstate

$1,772

$148

GEICO

$1,781

$148

Travelers

$1,795

$150

GEICO

$1,809

$151

Nationwide

$1,810

$151

Shelter

$1,813

$151

Progressive

$1,865

$155

AAA

$1,871

$156

GEICO

$1,960

$163

Progressive

$1,984

$165

Progressive

$2,026

$169

AAA

$2,036

$170

Shelter

$2,044

$170

Shelter

$2,044

$170

AAA

$2,072

$173

GEICO

$2,077

$173

GEICO

$2,082

$174

Nationwide

$2,128

$177

AAA

$2,155

$180

Shelter

$2,191

$183

Progressive

$2,206

$184

AAA

$2,346

$196

Progressive

$2,387

$199

AAA

$2,390

$199

Shelter

$2,472

$206

Shelter

$2,472

$206

GEICO

$2,505

$209

Kemper

$2,529

$211

GEICO

$2,536

$211

Kemper

$2,585

$215

Progressive

$2,632

$219

GEICO

$2,764

$230

Progressive

$2,768

$231

AAA

$2,785

$232

Kemper

$2,893

$241

Kemper

$2,893

$241

Shelter

$3,027

$252

AAA

$3,035

$253

Kemper

$3,049

$254

AAA

$3,093

$258

Shelter

$3,418

$285

Shelter

$3,418

$285

Kemper

$3,421

$285

Kemper

$3,493

$291

Kemper

$3,500

$292

Kemper

$4,156

$346

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$716

$3,261

GEICO

$747

$2,640

GEICO

$754

$3,169

GEICO

$761

$2,690

GEICO

$767

$2,472

GEICO

$774

$2,496

GEICO

$780

$2,517

GEICO

$784

$2,954

GEICO

$793

$2,804

GEICO

$799

$2,828

GEICO

$857

$6,557

GEICO

$893

$4,765

GEICO

$917

$4,177

GEICO

$926

$4,488

GEICO

$956

$4,020

GEICO

$998

$7,635

GEICO

$1,019

$7,688

Nationwide

$1,112

$1,901

GEICO

$1,125

$11,641

Travelers

$1,128

$1,922

Nationwide

$1,140

$2,049

GEICO

$1,155

$8,714

GEICO

$1,190

$10,540

Nationwide

$1,199

$2,617

Travelers

$1,219

$2,013

Nationwide

$1,242

$2,870

Travelers

$1,253

$2,135

Travelers

$1,260

$2,336

State Farm

$1,272

$1,864

Nationwide

$1,279

$2,187

Travelers

$1,288

$2,196

Nationwide

$1,292

$2,445

Nationwide

$1,324

$2,379

Nationwide

$1,336

$2,673

Allstate

$1,344

$2,066

Allstate

$1,344

$2,066

Nationwide

$1,347

$2,302

Travelers

$1,371

$2,263

Allstate

$1,372

$2,663

Allstate

$1,372

$2,663

Nationwide

$1,394

$2,505

State Farm

$1,403

$2,056

Travelers

$1,408

$2,530

Allstate

$1,410

$2,167

Allstate

$1,410

$2,167

Travelers

$1,416

$2,653

Allstate

$1,451

$2,409

Allstate

$1,451

$2,409

State Farm

$1,451

$2,074

Travelers

$1,466

$2,420

State Farm

$1,469

$2,463

Allstate

$1,484

$2,280

Allstate

$1,484

$2,280

State Farm

$1,520

$2,228

Allstate

$1,551

$4,530

Allstate

$1,551

$4,530

State Farm

$1,568

$2,655

Allstate

$1,582

$3,070

Allstate

$1,582

$3,070

Allstate

$1,583

$3,481

Allstate

$1,583

$3,481

Nationwide

$1,605

$4,207

Nationwide

$1,618

$4,933

State Farm

$1,630

$2,329

Travelers

$1,637

$2,940

Travelers

$1,638

$2,943

Travelers

$1,643

$3,385

Nationwide

$1,689

$3,686

Nationwide

$1,717

$4,909

State Farm

$1,725

$2,892

Nationwide

$1,756

$5,679

Nationwide

$1,785

$4,122

Nationwide

$1,787

$5,816

State Farm

$1,789

$3,030

State Farm

$1,790

$3,407

State Farm

$1,795

$2,565

Nationwide

$1,836

$5,599

Travelers

$1,861

$4,269

State Farm

$1,919

$3,195

Travelers

$1,925

$3,459

Travelers

$1,940

$4,056

Nationwide

$1,942

$6,715

Nationwide

$1,994

$6,450

State Farm

$2,044

$3,883

Allstate

$2,058

$6,012

Allstate

$2,058

$6,012

Progressive

$2,106

$2,857

Progressive

$2,114

$2,888

Allstate

$2,122

$8,053

Allstate

$2,122

$8,053

State Farm

$2,243

$4,267

State Farm

$2,248

$3,742

Travelers

$2,271

$5,231

Travelers

$2,286

$5,245

Progressive

$2,295

$3,136

State Farm

$2,326

$4,419

Progressive

$2,328

$3,159

State Farm

$2,337

$5,019

Travelers

$2,367

$6,776

Progressive

$2,368

$3,579

Progressive

$2,373

$4,115

Progressive

$2,443

$3,338

Kemper

$2,464

$3,498

Progressive

$2,472

$3,900

Progressive

$2,580

$3,501

State Farm

$2,586

$4,879

Progressive

$2,614

$4,630

Travelers

$2,845

$6,553

Kemper

$2,858

$3,939

Progressive

$2,928

$9,505

Progressive

$2,947

$5,983

State Farm

$2,952

$5,569

Travelers

$2,960

$8,667

State Farm

$2,965

$6,334

Progressive

$3,017

$5,231

Kemper

$3,103

$4,982

Progressive

$3,133

$9,989

Kemper

$3,141

$4,460

Progressive

$3,184

$10,585

Progressive

$3,263

$6,806

Kemper

$3,299

$4,684

Progressive

$3,331

$5,900

Progressive

$3,368

$10,968

Progressive

$3,394

$11,015

Progressive

$3,622

$12,043

Kemper

$3,786

$6,076

Kemper

$3,813

$5,254

Kemper

$3,926

$5,503

Kemper

$4,064

$5,600

Kemper

$4,629

$6,489

Kemper

$4,661

$8,955

Kemper

$4,681

$7,695

Kemper

$4,802

$6,715

Kemper

$5,654

$7,907

Kemper

$5,716

$10,935

Kemper

$5,723

$9,388

Kemper

$6,097

$11,714

Kemper

$7,052

$19,976

Kemper

$7,488

$14,323

Kemper

$8,666

$24,470

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.

Company
Annual Premium
Monthly Premium

USAA

$201

$17

USAA

$205

$17

USAA

$232

$19

State Farm

$444

$37

State Farm

$470

$39

Nationwide

$479

$40

Nationwide

$488

$41

USAA

$509

$42

American Family

$523

$44

USAA

$529

$44

American Family

$531

$44

Progressive

$559

$47

State Farm

$561

$47

American Family

$572

$48

Progressive

$578

$48

Travelers

$584

$49

Travelers

$614

$51

USAA

$627

$52

Travelers

$645

$54

AAA

$650

$54

Allstate

$653

$54

Nationwide

$663

$55

Shelter

$673

$56

Allstate

$683

$57

Progressive

$705

$59

GEICO

$709

$59

AAA

$741

$62

GEICO

$758

$63

GEICO

$767

$64

Allstate

$781

$65

Shelter

$809

$67

American Family

$814

$68

Nationwide

$848

$71

American Family

$875

$73

State Farm

$914

$76

Nationwide

$919

$77

Kemper

$926

$77

American Family

$936

$78

AAA

$945

$79

Kemper

$957

$80

Allstate

$981

$82

State Farm

$992

$83

Kemper

$1,040

$87

Allstate

$1,061

$88

Travelers

$1,123

$94

Travelers

$1,137

$95

State Farm

$1,220

$102

Nationwide

$1,232

$103

Shelter

$1,257

$105

Allstate

$1,294

$108

Travelers

$1,304

$109

AAA

$1,380

$115

Progressive

$1,400

$117

Shelter

$1,405

$117

GEICO

$1,421

$118

GEICO

$1,431

$119

Progressive

$1,475

$123

AAA

$1,581

$132

GEICO

$1,590

$133

Shelter

$1,695

$141

Progressive

$1,789

$149

AAA

$2,025

$169

Kemper

$2,408

$201

Kemper

$2,462

$205

Shelter

$2,613

$218

Kemper

$2,904

$242

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.

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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?

American Family Insurance

pros

Offers all four common coverages

Average customer satisfaction score

Offers a wide range of discounts

cons

Decent claims management

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's American Family Insurance Auto Insurance Review

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?

Shelter

pros

Offers three out of four common coverages

Received positive reviews on customer satisfaction

Offers new car replacement

cons

Receives a fair amount of complaints regarding claims management

One of the city’s most expensive policies

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Shelter Auto Insurance Review

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?

State Farm

pros

Average customer satisfaction rating

Most affordable among all insurers

cons

Receives claims management complaints

Lacks many essential coverages

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.