Best homeowners insurance in Springfield, MO (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Springfield.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
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Reviewed by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Updated|4 min read

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Springfield is among the top cities in Missouri for tornado activity, which means it's important to have protective home insurance if you live there. The average cost of homeowners insurance in Springfield is $2,475 per year or $206 a month. That's 4% cheaper than the statewide average, but much higher than the national average of $1,754.

Cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Springfield.

Compare home insurance rates in Springfield

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Compare the best cheap homeowners insurance companies in Springfield

To find the best cheap homeowners insurance in Springfield, Policygenius rated over a dozen of the largest insurance companies in Missouri across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.

Company

Average monthly cost

Policygenius rating

State Farm

$199

4.8 out of 5

American Family

$239

4.5 out of 5

Nationwide

$285

4.5 out of 5

Allstate

$170

4.4 out of 5

Shelter Insurance

$335

3.8 out of 5

Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

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

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2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Offers earthquake insurance

Wind/hail deductible

Offers wildfire insurance

Why we chose itchevron icon

State Farm is the best home insurance company in Springfield thanks to its large selection of policy options, high customer service marks, industry-best financial stability ratings, and cheap rates.

Pros and conschevron icon

Pros

  • Top-tier coverage add-ons, including extended replacement cost coverage

  • High customer satisfaction and financial strength ratings

  • Offers large discounts when you bundle your home and auto insurance

Cons

  • No discounts for first-time homebuyers

More detailschevron icon

Why we chose State Farm

According to our research, State Farm is the best home insurance company in Springfield. We like that State Farm lets you get extended replacement cost coverage for your home, replacement cost coverage for your personal property, water backup protection, and more.

State Farm also has high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. On top of that, State Farm has received the highest rating possible from A.M. Best for financial strength and stability.

State Farm has cheaper-than-average home insurance rates in Springfield. The company doesn't offer as many discounts as other insurers, but you could get a large discount if you're planning to bundle home and auto insurance with State Farm.

How do State Farm home insurance rates compare to the Springfield average?

The average cost of home insurance from State Farm in Springfield is $2,386 per year, which is 4% cheaper than the citywide average.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

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2024 Policygenius award winner

American Family

American Family home insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Offers flood insurance

Bundle home & auto

Why we chose itchevron icon

American Family is one of the best home insurance companies in Springfield, especially for people who want to add coverage to a basic policy. AmFam also has high customer service ratings and several discounts.

Pros and conschevron icon

Pros

  • Several one-of-its-kind coverage endorsements and policy perks

  • High customer satisfaction and digital shopping satisfaction scores with J.D. Power

  • Offers nearly one dozen discounts

Cons

  • Requires you to work with an agent to purchase a policy

  • Rates are higher than average in Springfield

More detailschevron icon

Why we chose American Family

American Family is one of the top home insurance companies in Springfield. You can customize your American Family policy with up to 15 additional coverage options — including inland flood, equipment breakdown, and service line coverage.

One downside is that in Springfield home insurance from American Family costs $393 more than average. Although more expensive than average, AmFam's many discounts (including paying your premiums all at once, opting for paperless billing, and signing up for automatic payments) can make your premiums even cheaper.

How do American Family home insurance rates compare to the Springfield average?

The average annual cost of American Family home insurance in Springfield is $2,868 per year, which is 16% more expensive than the citywide average.

How to get a quote

Online with American Family or by contacting a local agent

award icon

2024 Policygenius award winner

Nationwide

Nationwide logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

New homebuyer discount

Offers extended replacement cost

Why we chose itchevron icon

Nationwide is one of the best home insurance companies in Springfield, especially for people who want highly rated customer service. Besides a top customer experience, Nationwide also offers a range of add-ons that you can use to personalize your coverage.

Pros and conschevron icon

Pros

  • Highly rated for claims satisfaction by J.D. Power

  • Receives fewer complaints than average

  • Multiple high-quality coverage options

Cons

  • Below-average digital experience ratings

  • Rates are higher than average in Springfield

More detailschevron icon

Why we chose Nationwide

Nationwide is one of the best home insurance companies in Springfield for top-rated customer service. Nationwide ranks fifth on J.D. Power's Property Claims Satisfaction Study from 2022 and receives far fewer complaints than other insurers, according to the National Association of Insurance Commissioners.

We also like Nationwide's large selection of coverage options. These include guaranteed and extended replacement cost coverages, better roof replacement, new belongings coverage, water backup protection, and equipment breakdown coverage.

Even though we found that Nationwide has higher rates than average in Springfield, you could lower your premiums with the company's discounts. These include discounts for bundling, renovating your home, buying a new home, and others.

How do Nationwide home insurance rates compare to the Springfield average?

The average cost of Nationwide home insurance in Springfield is $3,417 per year, which is 38% more expensive than the annual citywide average.

How to get a quote

Online through Policygenius or Nationwide

award icon

2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Allstate is one of the best and most affordable homeowners insurance companies in Springfield. Besides affordability, Allstate also offers a few premium coverage add-ons, including a short-term rental endorsement for hosts.

Pros and conschevron icon

Pros

  • Rates are much cheaper than average in Springfield

  • Extensive list of discounts and policy features to lower your bill and out-of-pocket costs

  • Offers HostAdvantage — an excellent short-term rental coverage add-on that can be seamlessly added to any policy.

Cons

  • Beginning to pull back coverage in high-risk areas

  • Customer experience scores with J.D. Power are below the segment average

More detailschevron icon

Why we chose Allstate

Allstate made our list of the best home insurance companies in Springfield. If you're looking for affordable rates, the cost of coverage from Allstate is $438 cheaper than the citywide average.

Besides Allstate's lower-than-average premiums, its high customer satisfaction ratings and excellent coverage options make it a top choice for homeowners in Springfield.

We also like that Allstate has discounts for setting up automatic payments, bundling policies, and signing up for coverage before your current policy expires — all easy for many people to qualify for.

How do Allstate home insurance rates compare to the Springfield average?

The average cost of an Allstate home insurance policy in Springfield is $2,037 per year, which is 18% cheaper than the citywide average.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

award icon

2024 Policygenius award winner

Shelter Insurance

Shelter Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

New homebuyer discount

Offers earthquake insurance

Offers flood insurance

Smart home discounts

Why we chose itchevron icon

Shelter is one of the best homeowners insurance companies in Springfield. The company specializes in covering high-risk properties and offers top-rated customer service. Still, Shelter's coverage can cost much more than average.

Pros and conschevron icon

Pros

  • Earns a 5-star rating for its customer service and coverage options

  • Offers both private flood insurance and government-backed coverage through the NFIP

  • Mobile app makes it convenient to manage your policy, make payments, and file claims

Cons

  • Rates are higher than average

More detailschevron icon

Why we chose Shelter

Shelter is one the companies with the best homeowners insurance in Springfield. Shelter offers a range of coverages that you can add to a basic policy, including water backup protection, inflation guard for your policy's coverage, and (impressively) flood and earthquake insurance.

As far as customer service goes, Shelter receives far fewer complaints than average, according to the National Association of Insurance Commissioners. It specializes in insuring high-risk homes, but we found that Shelter's rates are much higher than Springfield's average.

How do Shelter home insurance rates compare to the Springfield average?

The average cost of home insurance from Shelter in Springfield is $4,020 per year, which is 62% more expensive than the citywide average.

How to get a quote

Online through Shelter

How much is homeowners insurance in Springfield?

On average, the cost of homeowners insurance in Springfield is $2,475 per year, or $206 a month, for an insurance policy with $300,000 in dwelling coverage. This means Springfield's average insurance rates are 4% cheaper than Missouri's statewide average, but 41% more expensive than the national average.

Springfield home insurance rates by ZIP code

To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in Springfield.

ZIP code

Average annual cost

Difference from state average (%)

65807

$2,490

-3%

65802

$2,517

-2%

65803

$2,466

-4%

65804

$2,491

-3%

65810

$2,473

-4%

65806

$2,506

-3%

65809

$2,489

-3%

65897

$2,370

-8%

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Cheapest ZIP codes for home insurance in Springfield

We found that the cheapest average homeowners insurance in Springfield is in the 65897 ZIP code. On average, the cost of homeowners insurance here is $2,370 per year, 8% cheaper than the statewide average.

ZIP code

Average annual cost

Difference from state average (%)

65897

$2,370

-8%

65803

$2,466

-4%

65810

$2,473

-4%

65809

$2,489

-3%

Most expensive areas for homeowners insurance in Springfield

With an average home insurance rate of $2,517 per year, the 65802 ZIP code is the most expensive area for home insurance in Springfield. Rates here are 2% higher than the statewide average.

ZIP code

Average annual cost

Difference from state average (%)

65802

$2,517

-2%

65806

$2,506

-3%

65804

$2,491

-3%

65807

$2,490

-3%

Learn more >> Home insurance rates by ZIP code

Springfield home insurance costs by coverage amount

Dwelling coverage is the part of your home insurance that pays to repair or rebuild your home after a covered loss. Your dwelling coverage limit should be based on your home’s replacement value, or the cost to rebuild it from the ground up.

Springfield homes with a dwelling coverage limit of $400,000 pay an average of $3,645 each year for home insurance, while those with $100,000 in coverage pay an average of $1,363 per year.

Dwelling coverage limit

Average annual cost

$100,000

$1,363

$200,000

$2,095

$300,000

$2,475

$400,000

$3,049

$500,000

$3,645

Springfield home insurance costs by deductible amount

Your policy's deductible is the amount you’re responsible for paying before home insurance reimburses you for the remainder of a loss.

Springfield residents who have a $2,000 deductible could save an average of $511 on home insurance compared to those with a $500 deductible.

Deductible

Average annual cost

$500

$2,664

$1,000

$2,874

$2,000

$2,153

Cheapest homeowners insurance companies in Springfield

We found that the five cheapest homeowners insurance companies in Springfield are Armed Forces InsuranceAAAUSAAAllstate, and State Farm. While these companies have the lowest average rates, your own rates depend on where you live and other factors like coverage amount, deductible, your credit, home's age, and claims history.

Company

Average annual cost

Armed Forces Insurance

$1,467

AAA

$1,745

USAA

$1,861

Allstate

$2,037

State Farm

$2,386

American Family

$2,868

Nationwide

$3,417

Shelter Insurance

$4,020

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Cheapest home insurance in Springfield if you have poor credit

poor credit score is an indicator of risky financial behavior and more frequent insurance claims for small damages or losses. For that reason, insurers often charge higher home insurance rates to customers with bad credit.

With an average rate of $1,862 per year, Armed Forces Insurance has the cheapest home insurance rates in Springfield for a homeowner with poor credit.

Company

Average annual cost

Armed Forces Insurance

$1,862

USAA

$2,412

AAA

$2,489

Allstate

$2,863

American Family

$3,746

State Farm

$4,093

Nationwide

$4,202

Shelter Insurance

$5,425

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Cheapest home insurance in Springfield if you have an older home

It can be more expensive to insure older homes, as they can be more prone to structural damage than newer homes. Older homes are often made with with materials and features that would be more expensive to replace after a claim.

Armed Forces Insurance offers the cheapest home insurance rates for an older home in Springfield, with an average cost of $1,498 per year.

Company

Average annual cost

Armed Forces Insurance

$1,498

AAA

$1,681

USAA

$1,866

Allstate

$1,997

State Farm

$2,390

American Family

$2,877

Nationwide

$2,989

Shelter Insurance

$3,199

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Cheapest homeowners insurance in Springfield if you have a history of claims

Having a history of claims is one of the most likely reasons why your rates could be expensive. If you have multiple claims on your record, insurers will think you're more likely to file future claims than a homeowner without any past claims.

We found that Armed Forces Insurance offers the cheapest home insurance rates in Springfield for someone with three claims in a five-year period.

Company

Average annual cost

Armed Forces Insurance

$1,955

USAA

$2,316

State Farm

$2,725

AAA

$2,884

Allstate

$3,298

American Family

$4,165

Shelter Insurance

$4,797

Nationwide

$5,100

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Coverage options in Springfield

You should know what your home insurance policy covers — and what it doesn’t cover. It's just as important as knowing what a policy costs.

When buying homeowners insurance in Springfield, you may need additional insurance to protect yourself against tornadoes and floods.

Windstorm insurance

It's possible for homes in Springfield to be affected by high winds and even tornadoes. Although homeowners insurance usually covers wind, including tornado damage, it gets more complicated in states like Missouri, which had an average of 56 tornadoes per year from 1997 to 2022.

Some home insurance companies that cover homes in Springfield might charge a separate deductible for windstorm damage — or may exclude coverage entirely. In this case, you would need to get a separate windstorm policy or find a company that covers wind damage.

Flood insurance

Homeowners insurance policies don’t cover flood damage. If you live in a part of Springfield that's prone to flooding or flash flooding, you should consider flood insurance along with your regular home insurance.

In addition to comparing home insurance quotes, homeowners in Springfield can also compare private flood insurance rates with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program.

How to get homeowners insurance quotes in Springfield

With the threat of severe weather always on the horizon, homeowners in Springfield will want to know they have the right home insurance when it matters the most. We’ve compiled a list of easy steps to follow as you search for the coverage that works best for your insurance needs.

5 steps to buying homeowners insurance in Springfield, MO

  1. Reach out to a licensed Policygenius agent. Our team of licensed home insurance experts can help you find quotes from several companies based on your budget, all at no cost or obligation to you.

  2. Ask if you should purchase extra dwelling coverage. Since Springfield is in Tornado Alley and has an increased risk of home damage from storms, you might want to ask a Policygenius agent about adding extra dwelling coverage to your policy. 

  3. Figure out how much of a deductible you can afford.A lower deductible means you’ll pay less for homeowners insurance, which is a smart choice if you’ve had multiple home insurance claims. A Policygenius agent can help you pick out a deductible that works within your budget.

  4. Compare quotes from a Policygenius agent. Once you identify your coverage needs and input a few brief details about your house, a Policygenius agent will send over quotes from several companies so you can compare policy options and rates.

  5. Sign the policy, and pay your first premium.Once you’ve settled on the plan you want, simply sign, pay your first premium, and leave the rest to Policygenius.

Compare home insurance rates in Springfield

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Frequently asked questions

What is the average cost of homeowners insurance in Springfield, MO?

The average home insurance rate in Springfield is $206 a month, or $2,475 per year.

How can I lower the cost of my home insurance in Springfield?

The easiest way to lower your homeowners insurance is by comparing quotes with a Policygenius agent. Once you’ve settled on your provider, be sure to ask about possible discounts like e-billing and bundling to save up to 25% on your home and auto insurance.

Does Missouri require homeowners insurance?

You aren’t required to have homeowners insurance in Missouri unless you have a mortgage on your home.

Author

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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