The best car insurance in Springfield, MO

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Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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The average cost of full coverage car insurance in Springfield is $1,536, which is slightly less than the Missouri state average of $1,568. But rates can vary widely from driver to driver and company to company, which is why it’s so important to compare quotes before you buy.

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Policygenius can help you compare options from top car insurance companies, so you can be sure you’re choosing affordable coverage that meets your needs.

Key Takeaways

  • USAA has the lowest average rate for full coverage in Springfield, at $745 per year

  • USAA also had the cheapest rates in Springfield for drivers with poor credit

  • Missouri requires $25,000 per person and $50,000 per accident in bodily injury liability coverage and $10,000 in property damage liability coverage

  • Missouri drivers are also required to have uninsured/underinsured motorist coverage of $25,000 person, $50,000 per incident

Cheapest car insurance companies in Springfield, MO

Your age, driving history, and ZIP code all go into determining your premiums. Every car insurance company looks at the same data, but each company has its specific own formula to set rates. That’s why rates can vary so much from one company to the next, even for identical coverage.

Company

Average cost

JD Power Rating

USAA

$745

890

State Farm

$1,082

881

Missouri Farm Bureau

$1,205

--

Auto-Owners Insurance

$1,255

890

Travelers

$1,358

861

Cheapest car insurance rates by ZIP code in Springfield, MO

One of the biggest factors in determining your car insurance rate is your ZIP code. Car thefts, accidents reported, secure parking, and population density in your area can all affect your rates. City drivers will nearly always pay more for car insurance, since more people on the roads means more chances for accidents and claims.

ZIP code

Average cost

65802

$1,555

65803

$1,521

65804

$1,523

65806

$1,560

65807

$1,533

65809

$1,543

65810

$1,515

65897

$1,536

Choosing the right car insurance company in Springfield, MO

Since car insurance rates depend on everything from your address to your age to your credit score, comparing rates between companies is the only way to ensure that you are getting the best possible rates for your individual situation.

Policygenius can help you understand your options and compare policies from top car insurance companies, so you can feel confident in the coverage you choose.

Car insurance rates for drivers with driving violations in Springfield, MO

Any accidents or moving violations on your record will mean higher car insurance rates. The more serious the violation, the longer it will stay on your record and the more it will impact the price of coverage. However, if you keep your record clean in the years following an accident, most violations will “fall off” your record in three to five years.

Violation

USAA

State Farm

Missouri Farm Bureau

Auto-Owners Insurance

Travelers

At-fault accident

$1,046

$1,285

$1,312

$3,525

$1,848

DUI

$1,368

$1,192

$1,525

$3,111

$2,025

Suspended license

$1,316

$1,192

$1,525

$3,111

$2,025

Open container

$1,100

$1,192

$1,525

$1,635

$1,767

Expired registration

$949

$1,192

$1,205

$1,265

$1,767

Driving without lights

$877

$1,192

$1,205

$1,635

$1,733

Not showing documents

$949

$1,192

$1,205

$1,265

$1,767

Running a red light

$949

$1,192

$1,205

$1,635

$1,767

Cheapest car insurance for drivers with bad credit in Springfield, MO

Your credit score is part of the formula that car insurance companies use to determine your rates. The lower your credit score, the higher your car insurance rates will be, so drivers with poor credit should take the time to shop around for affordable options.

Company

Rates for drivers with bad credit

USAA

$1,386

Missouri Farm Bureau

$2,039

State Farm

$2,141

Columbia Insurance

$2,190

Nationwide

$2,267

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Buying car insurance in Springfield, MO

The minimum liability requirements in Missouri are $25,000 per person and $50,000 per accident of bodily injury liability coverage and $10,000 in property damage liability coverage. Missouri drivers are also required to have uninsured/underinsured motorist coverage of $25,000 person, $50,000 per incident

Missouri is an at-fault state, which means that in the case of an accident, the driver found at-fault for the accident will be legally and financially responsible for the damages and injuries resulting from the accident, however, Missouri also has a pure comparative fault system, where multiple parties can be at fault for one accident, and the degrees of liability determine how the claims will be settled.

Having high levels of liability coverage is the best way to make sure you are protected in the event you’re found fully or partially at-fault in an accident. If you can’t replace or repair your vehicle out-of-pocket after an accident, you should also add collision and comprehensive coverage to your policy.

How to get cheap car insurance in Springfield, MO

Most car insurance companies offer discounts that can help bring down the price of your premiums. Some of the most common include:

  • Bundling discount

  • Safe driver discount

  • Good student discount

  • Accident-free discount

  • Multi-car discount

  • Low mileage discount

  • Military discount

By comparing rates, you can still find the least expensive insurance for you, even if you don’t qualify for any discounts. Make sure to reshop your car insurance yearly so you know you’re not missing out on a better deal with another company.

Frequently asked questions

Which company has the lowest average rates in Springfield, MO?

USAA has the lowest average cost for car insurance in Springfield, MO, even for drivers with bad credit, although it’s only available to drivers affiliated with the U.S. military.

How will my rates change when I turn 25 in MO?

If you have a clean driving record, your rates should drop after you turn 25. Drivers over 25 are in a lower risk group and will enjoy lower rates. However, if you have multiple accidents and violations on your record, it is unlikely your age will make as big an impact, and you’ll probably still pay high rates even after you turn 25.

Does Missouri require uninsured/underinsured motorist coverage?

Drivers in Missouri are required to carry uninsured/underinsured motorist coverage. The minimum requirement is $25,000 per person/$50,000 per incident.

How much is car insurance per month in Missouri?

The average annual insurance rate in Missouri is $1,568, which breaks down to $130.67 per month. Drivers in Springfield pay an average of $128 per month, which is $2.67 less than the state average.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.