Best homeowners insurance in Springfield, MO for 2022

We looked at average costs, coverage availability, and customer satisfaction ratings to find the best homeowners insurance companies in Springfield.

Gianetta Palmer

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Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

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Pat Howard

Pat Howard

Managing Editor & Licensed Home Insurance Expert

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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Springfield is a great city to call home. Still, its location ranks it in the top cities in Missouri for tornado activity, making it extremely important to have adequate home insurance. The average cost of homeowners insurance in Springfield is $2,870 per year or $239 a month — about 51% higher than the national average of $1,899.

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However, the 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.  

Best homeowners insurance companies in Springfield

USAA has the lowest home insurance rates in Springfield, with an average annual policy cost of $1,861 per year — about $1,000 less than the city average. State Farm has the next lowest average rate at $2,386 per year.

Policygenius analyzed thousands of quotes from the 5 largest Springfield insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Springfield residents to find the best homeowners insurance in Springfield.

Company

Average yearly cost

J.D. Power Rating

State Farm

$2,386

835

American Family

$2,868

831

Farmers

$6,027

813

USAA

$1,861

882

Shelter Insurance

$4,020

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State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm offers a complete line of home insurance products, including top-tier coverage add-ons like water backup, service line, and equipment breakdown coverage. Throw in industry-leading customer service and claims satisfaction ratings from J.D. Power, and it’s no wonder State Farm is one of the nation’s top insurance companies.

How to get a quote

Online through State Farm

American Family

American Family logo

American Family's status as the 7th largest home insurance provider in the U.S. speaks to its popularity and reputation. Our fave perk? Its diminishing deductible program that lets you earn credits for every year you go without filing a claim.

Pros

  • Unique coverage add-ons, like matching siding insurance and hidden water damage coverage

  • Save up to 20% on home insurance and 29% on auto insurance for bundling the policies together

  • Earn a $100 credit toward your deductible for ever year you go without filing a claim

  • File claims online or on its mobile app — with 24/7 claims support

Cons

  • Doesn't offer extended or guaranteed replacement cost coverage

  • Above-average customer complaints according to the NAIC

Why American Family tops our best list

American Family customers know this insurance mainstay to be a reliable and trustworthy provider with plenty of rate saving options. Score discounts of up to 29% when you combine your home and auto insurance under a single policy package, and get $100 toward you policy deductible each year you go without filing a claim.  

How to get a quote

Online through American Family

Farmers

Farmers logo

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

  • Several discounts and unique ways to save, including claim forgiveness and declining deductibles

  • 3 flexible coverage packages with varying levels of protection for most coverage and budget needs

  • Offers extended and guaranteed replacement cost coverage options

  • File claims online, via text, on its mobile app, or by calling its claims center

Cons

  • Rates are typically more expensive

  • Below-average customer satisfaction ratings

  • No repair network to help you find a certified contractor or repair professional after filing a claim

Why Farmers tops our best list

Farmers has three flexible home insurance policy options with varying levels of protection for most coverage and budget needs. Throw in the option to rebuild your home with green materials after a covered claim, and you can see why Farmers has been one of the best in the business for over 165 years.

How to get a quote

Online through Farmers

USAA

USAA logo

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Base policy includes coverages that cost extra with most other companies

  • Offers earthquake coverage — which is hard to come by

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Why USAA tops our best list

USAA is an excellent option for home insurance for those in the military and their family members. On top of its already cheap coverage for Springfield residents, customers can score discounts for opting into e-billing and being loyal customers. Plus, policyholders can receive a discount on their premium and get discounted security systems through USAA’s partnership with ADT.

How to get a quote

Online through USAA

Shelter Insurance

Shelter Insurance logo

As a regional home insurance provider, Shelter is ideal if you're looking for a basic, budget-friendly homeowners insurance policy without all of the bells and whistles.

Pros

  • Offers less-common coverage add-ons, like docks and piers coverage, personal injury protection, and protection for at-home businesses

  • Earthquake coverage available — a rarity among insurers

  • Solid customer service ratings with third-party review sites

  • File claims online

Cons

  • Coverage options aren't as robust as other insurers

  • Discounts are rather limited

  • Lack of reputation within the industry

Why Shelter tops our best list

Homeowners looking for a local insurance agency with personalized customer care should look to Shelter Insurance. With hard-to-find coverage add-ons like docks and piers coverage and protection for at-home businesses, Shelter Insurance is a great budget-friendly home insurance option for Springfield homeowners.

How to get a quote

Online through Shelter

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Cheapest homeowners insurance companies by ZIP code in Springfield

Looking at average home insurance costs for 15 of the most popular companies in Springfield, we found that the cheapest home insurance in the city can be found in the 65897 ZIP code with AAA. In this area, the average USAA rate is $77 per month — less than one-third of the city average of $239 per month. 

Homeowners in most areas of Springfield are likely to have the cheapest rates with USAA and AAA, with rates up to $155 per month. 

ZIP code

Company

Average yearly cost

65802

USAA

$1,844

65803

USAA

$1,857

65804

USAA

$1,823

65806

USAA

$1,861

65807

USAA

$1,830

65809

AAA

$1,863

65810

Allstate

$1,811

65897

AAA

$919

The most affordable areas for homeowners insurance in Springfield

With an average home insurance rate of $2,777 per year, the 65897 ZIP code is the most affordable area for home insurance in Springfield. This rate is about $73 lower than the average home insurance cost in the city.

ZIP code

Average yearly cost

65897

$2,777

65803

$2,862

65810

$2,868

65809

$2,882

65804

$2,883

The most expensive areas for homeowners insurance in Springfield

With an average home insurance rate of $2,907, the 65802 ZIP code is the most expensive area for home insurance in Springfield.  

ZIP code

Average yearly cost

65802

$2,907

65806

$2,897

65807

$2,883

65804

$2,883

65809

$2,882

Shopping for homeowners insurance in Springfield

Shopping for home insurance in Springfield is necessary if you want to protect your home against damage from severe weather and storms. 

In this section, we break down the average annual home insurance rates in Springfield for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies for dog and pool owners, and for those with a poor credit score.

Springfield home insurance costs by coverage amounts

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 $3,639 each year for home insurance — almost $1,000 higher than the city average.

Dwelling coverage amount

Average yearly cost

$100,000

$1,363

$200,000

$2,095

$300,000

$2,870

$400,000

$3,639

$500,000

$4,425

Personal liability coverage is the part of your homeowners insurance policy that pays for medical or legal bills in case you’re legally responsible for someone’s injury.

Liability coverage amount

Average yearly cost

$100,000

$2,975

$200,000

$3,109

$300,000

$2,870

$400,000

$2,978

$500,000

$2,862

Springfield home insurance costs by deductible amount

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

As highlighted in the table below, Springfield residents with a $2,000 deductible can save around $700 on home insurance over the $500 deductible option.

Deductible amount

Average yearly cost

$500

$3,028

$1,000

$2,475

$2,000

$2,303

Home insurance discounts in Springfield

Many insurance companies offer discounts to homeowners if their homes have certain features like deadbolt locks or home security systems. Here is the average annual home insurance rate for homes in Springfield with deadbolts, smoke alarms, or burglar alarms.

Discount

Average yearly cost

Dead bolt

$2,868

Smoke alarm

$2,846

Burglar alarm

$2,749

Home insurance companies in Springfield for dog owners

If you’ve searched for a specific breed of dog to help protect your home, you might be surprised to learn that your home insurance rates could be higher. Some insurance companies charge higher rates for certain dog breeds and could even deny you coverage altogether if you own one.

With an average rate of $1,861 per year, USAA has the cheapest home insurance rates in Springfield for a home with a dangerous dog breed, while Farmers' average yearly premium of $6,027 is the highest.

Company

Average yearly cost

USAA

$1,861

State Farm

$2,386

American Family

$2,878

Shelter Insurance

$4,020

Farmers

$6,027

Home insurance companies in Springfield for poor credit

A 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 $2,412 per year, USAA has the cheapest home insurance rates in Springfield for a homeowner with poor credit, while Farmers’ average yearly premium of $11,049 is the highest. 

Company

Average yearly cost

USAA

$2,412

American Family

$3,746

State Farm

$4,093

Shelter Insurance

$5,425

Farmers

$11,049

Home insurance companies in Springfield for pool owners

Swimming pools are a great way to cool down on a hot summer day. However, if you have one on your property, some insurance companies might charge you higher home insurance rates because of the increased risk of an injury on your property.

With an average rate of $1,861 per year, USAA has the cheapest home insurance rates for Springfield homes that have a swimming pool, while Farmers has the most expensive rates at $6,027 per year.

Company

Average yearly cost

USAA

$1,861

State Farm

$2,386

American Family

$2,881

Shelter Insurance

$4,020

Farmers

$6,027

How to buy homeowners insurance 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. 

  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.

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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 $239 a month, or $2,870 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.

Methodology

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.

Author

Freelance contributor

Gianetta Palmer

Freelance contributor

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Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

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