Springfield drivers pay an average of $1,159 annually for car insurance, lower than the state average. MoneyGeek found that Allstate is the cheapest and widely-available insurer in the area, offering insurance at $817 on average per year based on coverage amount and driving history. For drivers who also value quality, MoneyGeek also researched the best insurers in Springfield.
Compare the Cheapest Car Insurance Quotes in Springfield, MO
The Cheapest and Best Car Insurance in Springfield
The Cheapest Car Insurance Companies in Springfield
The companies that offer the cheapest full coverage policy on average in Springfield include:
- USAA: $496 annually (available only for current and former military members)
- Allstate: $817 annually
When you are looking for the best car insurance companies in Springfield, keep in mind that the auto insurance premiums offered by different carriers can vary widely.
In Springfield, USAA is the best car insurance company in terms of affordability. However, coverage is only available to current and former military members as well as their families. Allstate is the next best option, with a 98% lower average annual rate than MetLife, the most expensive vehicle insurance company in Springfield.
MoneyGeek gathered prices based on a sample driver profile of a 40-year-old man looking for a full-coverage policy that includes liability insurance and comprehensive and collision insurance.
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Average Cost of Car Insurance in Springfield
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.
The Best Car Insurance Companies in Springfield
While cost is a significant driving factor when choosing car insurance, quality service should also be considered. For those who want to balance the two, MoneyGeek’s scoring system ranked the best companies in the city for most drivers are::
- Auto-Owners: MoneyGeek score of 98 out of 100
- GEICO: MoneyGeek score of 93 out of 100
USAA received the highest score in Springfield by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
These scores were based on J.D. power user satisfaction, affordability and financial stability.
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.
Shopping around for car insurance in Springfield could save you $342, which is enough to buy:
Cheapest Car Insurance in Springfield by Coverage Amount
Regardless of the city, the amount of coverage you buy can greatly affect the price of car insurance. For instance, a full coverage policy that meets Springfield, Missouri state minimums costs an average of $631 yearly. On the other hand, a full-coverage policy with higher liability limits costs $1,159 yearly on average. This is a difference of $528.
Missouri Minimum Liability Requirements
- 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.
Liability-only coverage is cheaper than full coverage since it offers fewer benefits and only covers the other driver’s costs if you cause an accident. It’s important to remember that it won’t cover your expenses. Full coverage will pay for your costs and the other driver’s if you are in an at-fault accident. It also includes comprehensive, uninsured motorist, collision and liability insurance.
Limits on your policy may vary. For example, you can receive up to $50,000 per person for injuries, worth no more than $100,000 per accident, and $50,000 for property damage if you have 50/100/50 limits.
In Springfield, State Farm offers affordable car insurance for budget-conscious drivers. On average, a full-coverage plan with State Farm is $283 more expensive than a liability-only package. However, many customers pay this extra amount because they’ll receive added benefits.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Springfield if You Have Driving Violations
Being a safe driver can help keep your driving record clean and your insurance rates down. Conversely, factors like tickets and accidents can increase your rates.
In Springfield, State Farm policyholders with a speeding ticket or DUI on their record might pay $69 more on average per year for their coverage compared to those with a spotless record. Similarly, State Farm drivers who have logged an at-fault accident pay an extra $139 annually on average.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
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.
Methodology and Assumptions
MoneyGeek’s average premium rates for Springfield are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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