bestauto insuranceSpringfieldCompare the Cheapest Car Insurance Quotes in Springfield, MO
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Getting cheap car insurance depends on your driving record and coverage needs. In Springfield, Allstate offers the cheapest full-coverage insurance, on average. State Farm features the city's most affordable coverage, on average, to meet state minimums, along with the cheapest insurance for drivers with a speeding ticket on their record.
MoneyGeek’s top pick for the best overall car insurance provider in the city, balancing both cost and customer service, is Auto-Owners Insurance Company.
bestauto insuranceSpringfieldThe Cheapest and Best Car Insurance in Springfield
The Cheapest Car Insurance Companies in Springfield
On average, the following companies offer the most affordable full-coverage auto insurance in Springfield:
- Allstate: $817 per year
- Allied: $828 per year
Former and current military members together with their families may purchase full coverage policies from USAA, which is the most affordable provider at $496 per year.
Allstate features the lowest rates for full coverage at an average of $817 per year — $801 lower than comparable Metlife policies, which cost an annual average of $1,618. Rates for full-coverage policies, which include comprehensive and collision insurance, vary based on coverage level.
Cheapest Car Insurance in Springfield
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$496
- 2.$817
- 3.Allied$828
- 4.$849
- 5.$1,028
We determined average car insurance rates in Springfield for a sample profile of a 40-year-old male driver seeking full coverage. Our methodology page offers more insight into our analysis.
Full-coverage auto insurance is more expensive than minimum coverage because it has higher limits that offer more protection for drivers following an accident. It also includes:
- Comprehensive Coverage: Should your car become damaged due to non-accident related incidents, this coverage will pay for the cost of repairs.
- Collision Coverage: This insurance covers the cost of repairs for your car after an at-fault accident.
If you have an older vehicle, full coverage may be significantly more expensive than the monetary value of the vehicle. These drivers can consider purchasing state minimum policies to keep their premiums low.
Compare Car Insurance Rates in Springfield
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Springfield for Minimum Coverage
If you wish to purchase the cheapest car insurance in Springfield, consider a policy that only meets the state minimum coverage requirements. The cheapest options in the city are:
- State Farm: $415 per year
- Allied: $516 per year
If you come from a military background or are in active service, USAA offers the most affordable state minimum policy in Springfield on average, at $209 per year.
For the state minimum insurance policy, the most expensive company is Metlife, with $989 per year. That’s $574 more than the cheapest provider.
The state minimum policy is the cheapest in the city but does not include comprehensive and collision coverage. It also has lower limits and may leave more of a financial burden on the policyholder in case of an accident.
Check out the table below to see how prices change with different limits.
Cheapest Minimum Liability Car Insurance in Springfield
State Minimum
- CompanyState Minimumper year
- 1.$209
- 2.$415
- 3.Allied$516
- 4.$517
- 5.$526
In Springfield, your car insurance policy needs to have at least 25/50/25 in coverage limits, plus uninsured motorist coverage. However, with liability-only coverage, you may need to pay more out of pocket after an accident.
If you are at fault in an accident, for instance, and the total property damage cost is $50,000, you will have to pay the extra $25,000 yourself.
Missouri Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
Cheapest Car Insurance in Springfield if You Have Driving Violations
In Springfield, if you have a driving violation such as a speeding ticket or at-fault accident on your record, your car insurance rates increase. The most affordable insurer in case of the following violations are:
- Cheapest After a Ticket: State Farm, $918 per year
- Cheapest After an At-Fault Accident: Allstate, $971 per year
- Cheapest After a DUI: State Farm, $918 per year
USAA provides the cheapest car insurance for military drivers with DUIs, but only active-duty and former members of the military, along with their families, qualify for its policies.
Your driving record may improve over time, resulting in lower car insurance premiums. In the meantime, you can also secure the cheapest coverage for drivers with violations by shopping around and comparing prices.
Cheapest Car Insurance in Springfield With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$581
- 2.$918
- 3.$921
- 4.Allied$950
- 5.$1,034
Average Cost of Car Insurance in Springfield
Springfield$1,159
Missouri$1,305
U.S.$1,424
The average annual car insurance price in Springfield is lower than both the Missouri and U.S. averages. In Springfield, the average yearly rate is $1,159. This is 11.2% cheaper than the state average and 18.6% less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Springfield
Auto insurance providers evaluate several factors to calculate your car insurance quotes in Springfield. These include your age, gender, marital status, car make and model and more. In Springfield, Allstate’s average annual premium for 40-year-old male drivers is $817.
To make sure your coverage meets your circumstances, budget and needs, you should always compare car insurance quotes.
Compare Car Insurance Rates in Springfield
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Springfield
MoneyGeek compared average rates, claims ratings and user satisfaction scores to determine the best car insurance companies in Springfield. Here are the top-rated car insurance companies in Springfield based on these factors:
- Allstate: MoneyGeek score of 78 out of 100
- State Farm: MoneyGeek score of 78 out of 100
Due to USAA's exclusive focus on military members and their families, MoneyGeek excluded it from this analysis. MoneyGeek rated USAA as the best car insurance company in Springfield for military families with a score of 100 out of 100.
1
Allstate
Score:78
Allstate ranks high when it comes to claims and user satisfaction, but lower when it comes to affordability. The cost of a full coverage policy in Springfield is approximately $817 per year. Coverage for custom parts is available from Allstate.
More About Allstate
Springfield policyholders can choose from a number of add-on coverages offered by Allstate. Those who are passionate about their vehicle's entertainment system might find the portable electronics and media coverage appealing. Loss of tapes, compact discs or similar items associated with an auto sound system is covered under this policy. During a loss, property owned by the insured or belonging to a resident relative is covered. It is, however, necessary to have a comprehensive policy.
Read MoneyGeek's Allstate auto Insurance Review2
State Farm
Score:78
The average annual cost of State Farm in Springfield is $849, which reflects a high level of affordability. Moreover, it scored well for customer satisfaction and claims according to our analysis. By adding unique rideshare insurance, which is available through them, you can increase your insurance protection.
More About State Farm
As one of the top auto insurance companies in Springfield, State Farm consistently ranks well in all categories. You can enhance your State Farm policy by adding coverage for roadside assistance, ridesharing and rental car reimbursement.
Theis top insurer also offers roadside assistance with specific coverage limits that cover mechanical labor,, tire changing, locksmithing, towing, oil, gas and battery. It is also possible to receive reimbursement for car rental expenses up to a certain limit.
Other providers rarely offer rideshare insurance. In this endorsement which is available through State Farm, you can remain covered under your personal policy while working for a rideshare company.
Read MoneyGeek's State Farm auto Insurance Review3
American Family
Score:69
4
GEICO
Score:56
5
Farmers
Score:54
6
Allied
Score:41
7
Progressive
Score:40
8
Esurance
Score:37
9
AAA
Score:35
10
MetLife
Score:25
11
Shelter
Score:13
Average Cost of Car Insurance by Postal Code
When you compare the average cost of car insurance in Springfield, you may find that the price changes by ZIP code. For example, if you live in a secure area with fewer uninsured motorists, accidents and car thefts, you can save money on your vehicle insurance premium.
In Springfield, the 65807 ZIP code tends to have slightly lower car insurance rates. Drivers living in this area pay $18 less in annual auto insurance rates than those residing in the 65802 ZIP code.
- Zip CodeState Minimumper year
- 65807$1,151
- 65803$1,156
- 65802$1,169
Factors That Impact Insurance Costs in Springfield
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Springfield. How Springfield ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
