Cheapest Auto Insurance in Springfield, Missouri (2024)
USAA offers the cheapest rates in Springfield, with minimum-coverage policies as low as $29 per month.
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Reviewed byDaniel Roccato
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Clinical Professor of Finance, University of San Diego
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Updated November 21, 2024
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Table of contents
Springfield drivers can find competitive rates for full-coverage car insurance, which averages $196 per month — less than the Missouri state average of $210. But its liability-only rates of $110 are more on par with the state average of $99.
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 | $55 | $29 | Military members |
| State Farm | 9.3 | $65 | $35 | Teen drivers |
| Allstate | 8.9 | $88 | $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.
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 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. | $29/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. | $54/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Limited in-person branch locations
Best insurer for teen drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | 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. | $35/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. | $64/mo |
4.2
Best choiceBased on 9040 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Cons
Gap insurance not available
Not as many discounts as some competitors
Best insurer for good drivers: Allstate
| User Reviews | 4.0 |
|---|---|
| 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. | 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. | $46/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. | $87/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
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
How to get the cheapest car insurance in Springfield
Springfield drivers pay an average of $110 per month for liability-only coverage and $196 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 $29 per month
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Based on 3,806+ reviews
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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 $110 per month. Here are the cheapest liability policies in Springfield:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $29 |
| State Farm | $35 |
| Allstate | $46 |
| GEICO | $50 |
| American Family | $58 |
| Clearcover | $68 |
| Progressive | $70 |
| Shelter | $76 |
| Nationwide | $81 |
| Auto-Owners | $84 |
| Travelers | $85 |
| Safeco | $89 |
| Direct Auto | $91 |
| National General | $95 |
| Dairyland | $117 |
| GAINSCO | $126 |
| Bristol West | $127 |
| The General | $128 |
| Liberty Mutual | $133 |
| AssuranceAmerica | $139 |
| Foremost | $154 |
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 $196 per month. Here are the most affordable full-coverage policies in Springfield:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $54 |
| State Farm | $64 |
| Allstate | $87 |
| GEICO | $95 |
| American Family | $109 |
| Progressive | $132 |
| Clearcover | $141 |
| Safeco | $142 |
| Shelter | $144 |
| Nationwide | $153 |
| Auto-Owners | $158 |
| Travelers | $159 |
| Direct Auto | $183 |
| National General | $199 |
| Liberty Mutual | $265 |
| GAINSCO | $302 |
| The General | $303 |
| Foremost | $333 |
| Bristol West | $338 |
| Dairyland | $364 |
| AssuranceAmerica | $435 |
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 Dairyland, The General, Safeco, 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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 November 21, 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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 November 21, 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:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with an uninsured driver.
Personal injury protection coverage
Personal injury protection will pay for any hospital visits or funeral expenses if you or another passenger are injured in an accident.
Collision coverage
Collision insurance will pay to repair or replace your vehicle if it’s damaged in an auto accident.
Comprehensive coverage
Comprehensive insurance pays to repair or replace your vehicle if it’s damaged in a storm, stolen, or broken into.
Cheapest car insurance for drivers with an incident
A variety of different factors determine what you pay for auto insurance, but your driving record is one of the biggest factors.
Drivers with a clean record pay less than drivers with a history of speeding tickets, driving under the influence, or at-fault accidents. A history of traffic violations means you’re a bigger risk to your insurance company.[4]
Find Car Insurance in Springfield, MO
Monthly rates start at $36 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 $156 for liability-only auto insurance and $277 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| USAA | $29 | $38 |
| State Farm | $35 | $45 |
| Allstate | $46 | $60 |
| GEICO | $50 | $65 |
| American Family | $58 | $76 |
| Clearcover | $68 | $89 |
| Progressive | $70 | $91 |
| Shelter | $76 | $103 |
| Nationwide | $81 | $107 |
| Auto-Owners | $84 | $111 |
| Travelers | $85 | $112 |
| Safeco | $89 | $118 |
| Direct Auto | $91 | $119 |
| National General | $95 | $125 |
| Dairyland | $117 | $153 |
| GAINSCO | $126 | $177 |
| Bristol West | $127 | $167 |
| The General | $128 | $170 |
| Liberty Mutual | $133 | $187 |
| AssuranceAmerica | $139 | $181 |
| Foremost | $154 | $216 |
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 $164 per month for liability-only coverage and $292 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $29 | $40 |
| State Farm | $35 | $48 |
| Allstate | $46 | $64 |
| GEICO | $50 | $69 |
| American Family | $58 | $80 |
| Clearcover | $68 | $101 |
| Progressive | $70 | $97 |
| Shelter | $76 | $109 |
| Nationwide | $81 | $113 |
| Auto-Owners | $84 | $117 |
| Travelers | $85 | $118 |
| Safeco | $89 | $122 |
| Direct Auto | $91 | $128 |
| National General | $95 | $131 |
| Dairyland | $117 | $160 |
| GAINSCO | $126 | $167 |
| Bristol West | $127 | $175 |
| The General | $128 | $180 |
| Liberty Mutual | $133 | $195 |
| AssuranceAmerica | $139 | $188 |
| Foremost | $154 | $226 |
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 $331 per month for full coverage and $186 for liability only.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $29 | $48 |
| State Farm | $35 | $58 |
| Allstate | $46 | $77 |
| GEICO | $50 | $83 |
| American Family | $58 | $97 |
| Clearcover | $68 | $113 |
| Progressive | $70 | $117 |
| Shelter | $76 | $127 |
| Nationwide | $81 | $135 |
| Auto-Owners | $84 | $140 |
| Travelers | $85 | $142 |
| Safeco | $89 | $138 |
| Direct Auto | $91 | $152 |
| National General | $95 | $159 |
| Dairyland | $117 | $195 |
| GAINSCO | $126 | $210 |
| Bristol West | $127 | $212 |
| The General | $128 | $214 |
| Liberty Mutual | $133 | $222 |
| AssuranceAmerica | $139 | $232 |
| Foremost | $154 | $257 |
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 $146 for full coverage and $82 for liability only.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $41 | $22 |
| State Farm | $47 | $26 |
| Allstate | $66 | $35 |
| GEICO | $72 | $38 |
| American Family | $81 | $43 |
| Progressive | $90 | $48 |
| Shelter | $99 | $52 |
| Nationwide | $108 | $57 |
| Safeco | $115 | $72 |
| Clearcover | $116 | $56 |
| Auto-Owners | $118 | $63 |
| Travelers | $118 | $63 |
| Direct Auto | $135 | $67 |
| National General | $144 | $69 |
| Liberty Mutual | $212 | $106 |
| The General | $233 | $99 |
| GAINSCO | $241 | $101 |
| Foremost | $253 | $117 |
| Bristol West | $257 | $97 |
| Dairyland | $276 | $89 |
| AssuranceAmerica | $311 | $99 |
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 $373. Minimum coverage averages $209 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $96 | $52 |
| State Farm | $116 | $64 |
| GEICO | $161 | $85 |
| Allstate | $164 | $87 |
| American Family | $199 | $106 |
| Progressive | $245 | $130 |
| Shelter | $255 | $134 |
| Clearcover | $274 | $132 |
| Auto-Owners | $281 | $150 |
| Nationwide | $283 | $150 |
| Safeco | $288 | $180 |
| Travelers | $304 | $162 |
| Direct Auto | $353 | $176 |
| National General | $412 | $197 |
| Liberty Mutual | $482 | $242 |
| The General | $511 | $216 |
| GAINSCO | $552 | $230 |
| Bristol West | $604 | $227 |
| Dairyland | $623 | $200 |
| Foremost | $625 | $289 |
| AssuranceAmerica | $843 | $269 |
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.
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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 $196 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.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Cape Girardeau | $181 | $102 |
| Columbia | $198 | $96 |
| Independence | $210 | $112 |
| Jefferson City | $184 | $84 |
| Joplin | $174 | $87 |
| Kansas City | $242 | $130 |
| St. Louis | $310 | $165 |
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 $196 per month for full coverage and $110 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 $29 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 $35 and $46 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
- 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.
Related articles
More cities in Missouri
Sources
- Springfield Police. "Traffic Services Statistics."
- Insurance Information Institute. "How to save money on car insurance."
- Missouri Department of Revenue. "Insurance Information."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Highway Traffic Safety Administration. "Speeding."
- Missouri Department of Revenue. "Tickets and Points FAQs."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- National Highway Traffic Safety Administration. "Drunk Driving."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Insurance Institute for Highway Safety. "Teenagers."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
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Jamie Johnson
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.
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