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Cheapest recent rates near Springfield, Missouri
Drivers in and around Springfield, Missouri have found policies from State Farm, Direct Auto, Dairyland, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Springfield, Missouri within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Springfield, Missouri within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Springfield drivers can find competitive rates for full-coverage car insurance, which averages $207 per month — less than the Missouri state average of $226. But its liability-only rates of $102 are more on par with the state average of $100.
The city’s comparatively high accident rate could contribute to its higher full-coverage costs. Based on the most recent Springfield Police data available, the city has an accident rate of nearly 39 crashes per 1,000 residents.[1] A high population density is also likely a factor in Springfield’s car insurance rates. More traffic congestion in an area can create more accidents and more insurance claims.
Location is just one factor that affects car insurance rates, so it’s important to compare quotes from multiple insurers to find the most affordable coverage for your needs.
Quick Facts
USAA, State Farm, and Allstate have the cheapest car insurance in Springfield.
Springfield is the third-largest city in Missouri, with a population of more than 170,000. A city’s population size can affect auto insurance rates.
Police in Springfield recorded 6,572 accidents in 2022, with 27 fatalities.
3 of the cheapest car insurance companies in Springfield
Auto insurance rates can vary substantially depending on the company you choose. All companies consider the same car insurance data, but each insurer uses its own formula for setting premiums.
The best auto insurance company for you will depend on your individual situation and needs. Here are some of the best options for Springfield drivers.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
USAA
9.4
$56
$29
Military members
State Farm
9.3
$66
$34
Teen drivers
Allstate
8.9
$90
$47
Good drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$28/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$52/mo
Consistently offering low rates on auto insurance, USAA is a good option for drivers with a clean record and anyone looking to insure a new vehicle. Membership is only available to active-duty service members, veterans, and their families.
Pros
High customer satisfaction ratings
Good option for insuring newer vehicles
Cons
Only available to active-duty service members, veterans, and their families
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$33/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$63/mo
Known for its low rates and excellent customer service, State Farm offers a wide variety of discounts and is an affordable auto insurance option for teen drivers. Plus, the savings will last until they turn 25.
Pros
Teen drivers can save up to 25% via good student discount
Above-average customer satisfaction score from J.D. Power
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$44/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$84/mo
Allstate is consistently recognized for having good customer service and received an above-average J.D. Power rating for claims satisfaction. Good drivers can save up to 40% with DriveWise, a tool that tracks and rewards good driving behavior.
Pros
Good drivers can save up to 40% with DriveWise
Intuitive mobile app
Cons
Drivers with poor credit and a history of accidents may pay more
Below-average J.D. Power customer satisfaction rating in the Central region
I was on a three-lane highway in heavy traffic and couldn't avoid a piece of metal in my lane. I couldn't swerve or I would have hit other cars. Allstate said the accident was the driver's fault and then doubled my insurance cost.
Hugh - October 29, 2024
Verified
Actual Crash Damages vs. Damages Quoted Over the Phone
There were problems getting the correct amount paid out when I made a claim. I had to escalate the issue to the Senior Vice President to get a proper settlement when a deer hit my truck. There was a $5000 difference between what was paid out when the estimator assessed the value of damage to my truck and the actual estimate done by a local car dealership. The Senior Vice President agreed that the amount of damage done was the amount quoted by the local car dealership.
Miriam - October 29, 2024
Verified
Best Overall
Check around before choosing. Allstate has been my choice for years.
…
How to get the cheapest car insurance in Springfield
Springfield drivers pay an average of $102 per month for liability-only coverage and $207 per month for a full-coverage policy. Here are the best ways to save on auto insurance:[2]
Choose a safe vehicle. Many insurance companies will give you a discount for choosing a car with certain safety features. If you’re in the market for a new car, check the safety rankings to see how it compares to other vehicles.
Improve your credit score. Improving your credit score could help you get lower rates on auto insurance. It’s a good idea to check your credit report regularly to ensure the information is accurate.
Bundle your insurance. Most insurance companies will give you a discount if you purchase multiple policies from them. For example, you can bundle your homeowners insurance, renters insurance, and life insurance with your auto insurance for a discounted rate.
Talk to an insurance agent. An insurance agent can explain your coverage options, answer your questions, and help you find the best rate on auto insurance.
Shop around. Every insurance company has its own method of determining rates, so the best way to save is by shopping around among different insurers.
Find Cheap Car Insurance in Springfield
Liability rates start at $28 per month
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Cheapest liability-only car insurance in Springfield: USAA
Most states in the U.S. — including Missouri — require all drivers to purchase liability insurance. Liability-only insurance pays for damages to the other driver’s car and their medical costs if you’re involved in an accident. But it won’t cover your hospital bills or pay to repair or replace your vehicle, so you should carefully consider your ability to pay out of pocket.
Most people opt for liability-only insurance as a way to save on insurance costs. In Springfield, liability-only coverage costs an average of $102 per month. Here are the cheapest liability policies in Springfield:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
USAA
$28
State Farm
$33
Allstate
$44
GEICO
$49
American Family
$55
Clearcover
$65
Progressive
$67
Safeco
$69
Shelter
$73
Nationwide
$78
Auto-Owners
$80
State Auto
$81
Travelers
$81
Midvale Home & Auto
$86
Direct Auto
$87
Liberty Mutual
$90
National General
$93
AssuranceAmerica
$106
Dairyland
$106
GAINSCO
$106
The General
$108
Bristol West
$127
Foremost
$146
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Springfield: USAA
If you’re looking for the most comprehensive coverage, full-coverage auto insurance is the way to go. A full-coverage policy includes liability, comprehensive, and collision insurance.
Full coverage costs more than a liability-only policy but provides greater financial protection, as it’ll pay to repair or replace your car in an at-fault accident. If you have an auto loan or lease, your lender or leasing company will require you to buy full coverage for your vehicle.
The average cost of full-coverage car insurance in Springfield is $207 per month. Here are the most affordable full-coverage policies in Springfield:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
USAA
$52
State Farm
$63
Allstate
$84
GEICO
$92
American Family
$106
Safeco
$119
Progressive
$128
Clearcover
$134
Shelter
$139
Nationwide
$148
Auto-Owners
$153
Travelers
$154
Midvale Home & Auto
$155
State Auto
$184
Direct Auto
$195
National General
$196
Liberty Mutual
$206
AssuranceAmerica
$211
GAINSCO
$255
The General
$268
Foremost
$310
Dairyland
$331
Bristol West
$358
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Springfield, Missouri
Drivers in and around Springfield, Missouri have found policies from National General, Safeco, Direct Auto, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Springfield, Missouri within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Springfield, Missouri within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Missouri
Missouri law requires all drivers to carry liability insurance, and all drivers are required to show proof of insurance when registering their vehicle and license plate. Here are the minimum coverage requirements for Missouri drivers:[3]
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$25,000 per accident
Though not required by state law, you can choose to purchase the following additional coverages:
Monthly rates start at $34 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: USAA
Speeding may seem harmless, but it puts other drivers at risk. According to the National Highway Traffic Safety Administration (NHTSA), there were 12,330 speeding-related deaths in the U.S. in 2021.[5]
If it’s your first violation, a speeding ticket may have a minimal effect on your insurance rates. But a history of speeding tickets will cause your rates to go up, and these tickets can stay on your driving record for up to three years. If the ticket causes your license to be suspended or revoked, it’ll stay on your record for five years.[6]
In Springfield, drivers with a speeding ticket pay a monthly average of $143 for liability-only auto insurance and $290 for full-coverage auto insurance.
The following table shows rates from top insurers for drivers with speeding tickets in Springfield.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
USAA
$28
$36
State Farm
$33
$42
Allstate
$44
$57
GEICO
$49
$63
American Family
$55
$71
Clearcover
$65
$85
Progressive
$67
$86
Safeco
$69
$90
Shelter
$73
$98
Nationwide
$78
$102
Auto-Owners
$80
$104
State Auto
$81
$114
Travelers
$81
$105
Direct Auto
$87
$112
Liberty Mutual
$90
$126
National General
$93
$121
AssuranceAmerica
$106
$138
Dairyland
$106
$137
GAINSCO
$106
$148
The General
$108
$141
Bristol West
$127
$164
Foremost
$146
$204
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
Different insurance companies have different standards for what’s considered a poor driving history. But in general, you can expect your rates to go up by a certain percentage every time you file a claim with your insurer for an at-fault accident. These increases can stay on your policy for up to three years.[7]
An at-fault accident pushes average car insurance rates in Springfield to $150 per month for liability-only coverage and $304 for full coverage.
Here are average quotes for Springfield drivers with at-fault accidents on their records.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
USAA
$28
$38
State Farm
$33
$45
Allstate
$44
$60
GEICO
$49
$67
American Family
$55
$75
Clearcover
$65
$95
Progressive
$67
$92
Safeco
$69
$92
Shelter
$73
$104
Nationwide
$78
$107
Auto-Owners
$80
$109
State Auto
$81
$121
Travelers
$81
$111
Direct Auto
$87
$121
Liberty Mutual
$90
$131
National General
$93
$128
AssuranceAmerica
$106
$143
Dairyland
$106
$144
GAINSCO
$106
$139
The General
$108
$150
Bristol West
$127
$172
Foremost
$146
$213
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Alcohol impairs your reasoning, thinking, and muscle coordination, making it incredibly dangerous to drive under the influence. Roughly 31% of all car crash fatalities in the U.S. involve some sort of drunk driving, according to NHTSA data.[8]
If you’re caught driving under the influence in Missouri, you’ll face a fine of up to $1,000, up to six months in jail, and have your license suspended for 30 days. Depending on your insurance company, you can expect to see your rates go up, and some insurers may even cancel your policy.
Average rates for Springfield drivers with a DUI are $345 per month for full coverage and $170 for liability only.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
USAA
$28
$46
State Farm
$33
$55
Allstate
$44
$73
GEICO
$49
$81
American Family
$55
$91
Clearcover
$65
$108
Progressive
$67
$111
Safeco
$69
$114
Shelter
$73
$121
Nationwide
$78
$129
Auto-Owners
$80
$133
State Auto
$81
$134
Travelers
$81
$134
Direct Auto
$87
$144
Liberty Mutual
$90
$149
National General
$93
$154
AssuranceAmerica
$106
$176
Dairyland
$106
$176
GAINSCO
$106
$176
The General
$108
$179
Bristol West
$127
$211
Foremost
$146
$242
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Your car insurance rates begin to decrease around age 35, but they increase again starting at age 70. Drivers older than 70 are at higher risk of fatal auto accidents than middle-aged drivers.[9] Seniors can save on insurance by enrolling in an approved defensive driving course and taking advantage of multi-policy discounts.
Senior drivers in Springfield pay average monthly car insurance rates of $152 for full coverage and $75 for liability only.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
USAA
$39
$21
State Farm
$46
$24
Allstate
$64
$33
GEICO
$69
$37
American Family
$78
$40
Progressive
$86
$45
Shelter
$93
$49
Safeco
$95
$55
Nationwide
$104
$55
Clearcover
$105
$51
Auto-Owners
$113
$59
Travelers
$114
$60
State Auto
$132
$58
National General
$142
$67
Direct Auto
$143
$64
AssuranceAmerica
$150
$75
Liberty Mutual
$162
$71
GAINSCO
$202
$84
The General
$206
$83
Foremost
$232
$109
Dairyland
$249
$80
Bristol West
$270
$96
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teen drivers pay the most for auto insurance, and that’s largely because they have crash rates nearly four times higher than drivers older than 20. Their lack of experience behind the wheel often means they often don’t know how to respond to driving hazards.[10]
The average monthly cost of full-coverage car insurance for Springfield teens is $382. Minimum coverage averages $188 per month, according to Insurify data.
Teens can save on auto insurance by taking advantage of a good student discount for maintaining at least a B average. Companies like State Farm and USAA offer policies designed to help teen drivers save on insurance. It’s also a good idea to opt for a safer car and to stay on your parents’ insurance to get the most affordable rates.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
USAA
$89
$48
State Farm
$111
$58
GEICO
$150
$80
Allstate
$153
$80
American Family
$189
$98
Progressive
$234
$123
Shelter
$242
$127
Safeco
$244
$141
Nationwide
$263
$139
Clearcover
$264
$128
Auto-Owners
$267
$140
Travelers
$285
$150
State Auto
$336
$148
Direct Auto
$365
$163
Liberty Mutual
$375
$164
National General
$396
$188
AssuranceAmerica
$399
$201
The General
$441
$178
GAINSCO
$458
$190
Dairyland
$559
$179
Foremost
$566
$267
Bristol West
$623
$221
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Springfield, Missouri
Compare rates from 100+ top insurance companies
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Based on 3,806+ reviews
4.8/5
Springfield car insurance quotes by credit tier
Most states, including Missouri, allow insurance companies to consider your credit history when you apply for auto insurance. Insurance companies use an insurance-based credit score, which is a rating based on your credit information.[11]
A poor credit score indicates to insurers that you’re more likely to file an insurance claim. As you can see in the chart below, Springfield drivers with excellent or good credit scores pay the lowest rates for insurance.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Springfield?
Car insurance costs in Springfield are a mixed bag. While the city’s full-coverage average of $207 per month is less than the state average, its average liability rates are on par with state-level costs.
Your ZIP code plays a big role in how much you pay for insurance, and drivers who live in large cities pay more than drivers in rural areas. St. Louis, Florissant, and Kansas City are some of the most expensive cities for insurance in Missouri.
More cities in Missouri
When it comes to purchasing auto insurance, Springfield is one of the most affordable cities in Missouri. The table below outlines how Springfield rates stack up to average monthly rates in other cities in the Show-Me State.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Springfield car insurance FAQs
If you’re shopping for car insurance in Springfield, Missouri, this additional information may help as you research your coverage options. You can also check out Insurify’s guide on how to shop for car insurance.
How much is car insurance in Springfield?
Car insurance in Springfield, Missouri, averages $207 per month for full coverage and $102 per month for liability-only coverage, according to Insurify data.
What are the cheapest car insurance companies in Springfield?
USAA has the cheapest car insurance rates in Springfield, with liability-only policies as low as $28 per month.
Springfield drivers can also find affordable rates from the city’s second- and third-cheapest insurers, State Farm and Allstate, which have liability-only rates of $33 and $44 per month, respectively.
What are the best car insurance companies in Springfield?
One of the best car insurance companies in Springfield is State Farm. It has affordable rates, above-average J.D. Power ratings, and an AM Best financial strength rating of A++ (Superior).
Other top insurers in Springfield include Allstate and USAA.
Can you get car insurance without a license in Missouri?
Yes. It’s possible to get car insurance without a license in Missouri. Depending on the insurance company, you may need to list the name of the primary driver on the policy instead of yours. Your insurer may also list you as an excluded driver on the policy, which means if you drive the car illegally without a license, your insurer won’t cover any claims you may file if you’re in an accident.
What types of car insurance are required in Missouri?
Drivers in Missouri are legally required to carry $25,000 per person and $50,000 per accident in bodily injury liability, as well as $25,000 per accident in property damage liability. Driving without these minimums in Missouri could lead to jail time, fines, and license suspension.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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USAA
State Farm
Allstate
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