Compare the Cheapest Car Insurance Quotes in Springfield, MO

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 Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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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.

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The 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
  • Company
    100/300/100per year
  • 1.
    USAA
    $496
  • 2.
    Allstate
    $817
  • 3.
    Allied
    $828
  • 4.
    State Farm
    $849
  • 5.
    American Family
    $1,028
  • 6.
    Farmers
    $1,104
  • 7.
    Esurance
    $1,113
  • 8.
    GEICO
    $1,191
  • 9.
    Progressive
    $1,343
  • 10.
    Shelter
    $1,400
  • 11.
    AAA
    $1,453
  • 12.
    MetLife
    $1,618

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.

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Insurance Rates

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

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

  • Item
    Description
  • 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

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.

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Insurance Rates

The Best Car Insurance Companies in Springfield

If you wish to purchase a car insurance policy that combines affordability with quality service, MoneyGeek determined the best insurers in Springfield to ensure you find the right coverage. Based on the scores, the best car insurance providers in the city for most drivers are:

  • Auto-Owners Insurance Company: MoneyGeek score of 98 out of 100
  • GEICO: MoneyGeek score of 93 out of 100

According to MoneyGeek's analysis, USAA received the highest score in the city. However, only members of the military and their families can purchase its policies.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:97.5

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
Auto Club of Southern California Insurance Group
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Travelers
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

7
Progressive
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
American Family
Score:77.5

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:77.5

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Liberty Mutual
Score:77.5

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Farmers
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

13
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

14
Farm Bureau Ins of MI
Score:72.5

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities63rd/300
handcuffs2 icon
Most Car Thefts243rd/300
uninsured icon
Most Uninsured Motorists by State17th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall71st/300
umbrella icon
Most Rainy Days122nd/300

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.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.