Compare Springfield, MO Car Insurance Rates (2021)

Car insurance in Springfield, MO averages $275 a month. Springfield, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Springfield car insurance rates, compare quotes from the top car insurance companies in Springfield, MO.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Springfield for teen drivers is Nationwide
  • The cheapest ZIP code in Springfield is 65807
  • Average car insurance rates in Springfield, MO are $3,296/year

If you need to buy Springfield, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Springfield, MO is right here.

You’ll find Springfield car insurance rates, the cheapest Springfield, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Springfield, Missouri car insurance rates to Lee’s Summit car insurance rates, St. Joseph car insurance rates, and Florissant car insurance rates.

Ready to find affordable Springfield, MO car insurance today? Enter your ZIP code for fast, free Springfield car insurance quotes.

Cheapest Springfield, MO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Springfield, MO car insurance rates? Every Springfield, Missouri car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Springfield, Missouri

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,703 $2,609 $2,443 $2,519 $7,672 $8,318 $2,571 $2,647
American Family $2,187 $2,187 $1,949 $1,949 $6,053 $7,864 $2,187 $2,552
Farmers $2,291 $2,282 $2,037 $2,165 $9,818 $10,173 $2,609 $2,712
GEICO $1,651 $1,860 $1,290 $1,691 $5,357 $5,626 $1,494 $1,479
Liberty Mutual $2,559 $2,771 $2,106 $2,364 $9,132 $10,145 $2,690 $2,859
Nationwide $1,525 $1,549 $1,373 $1,444 $3,968 $5,044 $1,750 $1,883
Progressive $2,093 $1,897 $1,718 $1,778 $7,340 $8,200 $2,535 $2,535
State Farm $1,740 $1,740 $1,584 $1,584 $5,324 $6,682 $1,964 $2,247
USAA $1,556 $1,542 $1,404 $1,428 $4,603 $5,620 $1,932 $2,146

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Springfield, MO

Every driver must carry the minimum car insurance in Springfield, MO. Take a look at the Missouri car insurance requirements.

Minimum Required Car Insurance Coverage in Springfield, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Springfield, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Springfield, MO. Compare credit history car insurance rates in Springfield from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Springfield, Missouri

Insurance Company Poor Fair Good
Allstate $5,423 $3,496 $2,886
American Family $4,400 $3,093 $2,605
Farmers $4,850 $4,066 $3,866
GEICO $3,526 $2,300 $1,842
Liberty Mutual $6,193 $3,800 $2,992
Nationwide $2,722 $2,264 $1,965
Progressive $4,060 $3,372 $3,104
State Farm $4,017 $2,528 $2,029
USAA $4,206 $1,968 $1,413

Cheapest Springfield, MO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Springfield, MO to rates for a clean record with top companies.

Annual Springfield, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,362 $3,805 $4,755 $3,818
American Family $2,510 $3,630 $4,453 $2,871
Farmers $3,666 $4,602 $4,496 $4,279
GEICO $1,947 $2,593 $3,558 $2,126
Liberty Mutual $3,139 $4,523 $4,647 $5,004
Nationwide $1,799 $2,337 $3,152 $1,979
Progressive $3,001 $4,122 $3,362 $3,563
State Farm $2,605 $3,111 $2,858 $2,858
USAA $2,029 $2,462 $3,409 $2,217

Cheapest Springfield, MO Car Insurance for Teen Drivers

Teen car insurance in Springfield, MO can be expensive. Take a look at rates from the top car insurance companies in Springfield for teenagers.

Annual Car Insurance Rates for Teen Drivers in Springfield, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,672 $8,318
American Family $6,053 $7,864
Farmers $9,818 $10,173
GEICO $5,357 $5,626
Liberty Mutual $9,132 $10,145
Nationwide $3,968 $5,044
Progressive $7,340 $8,200
State Farm $5,324 $6,682
USAA $4,603 $5,620

Cheapest Springfield, MO Car Insurance for Seniors

Take a look at Springfield, MO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Springfield, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,443 $2,519
American Family $1,949 $1,949
Farmers $2,037 $2,165
GEICO $1,290 $1,691
Liberty Mutual $2,106 $2,364
Nationwide $1,373 $1,444
Progressive $1,718 $1,778
State Farm $1,584 $1,584
USAA $1,404 $1,428

Cheapest Springfield, MO Car Insurance Rates After a DUI

A DUI in Springfield, MO increases car insurance rates. Compare Springfield, Missouri DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Springfield, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,755
American Family $4,453
Farmers $4,496
GEICO $3,558
Liberty Mutual $4,647
Nationwide $3,152
Progressive $3,362
State Farm $2,858
USAA $3,409

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Springfield, MO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Springfield, MO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Springfield, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,935 $3,935
American Family $3,333 $3,399
Farmers $4,261 $4,261
GEICO $2,511 $2,601
Liberty Mutual $4,328 $4,328
Nationwide $2,317 $2,317
Progressive $3,512 $3,512
State Farm $2,786 $2,930
USAA $2,437 $2,620

Cheapest Springfield, MO Car Insurance Rates by ZIP Code

Springfield car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Springfield, MO.

Annual Car Insurance Rates by ZIP Code in Springfield, Missouri

ZIP Code Average Annual Rates
65802 $2,716
65803 $2,675
65804 $2,680
65806 $2,827
65807 $2,644
65809 $2,788
65810 $2,675
65897 $2,746

The Best Cheap Car Insurance Companies in Springfield, MO

Take a look at a side-by-side comparison of the top car insurance companies in Springfield, MO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Springfield, Missouri

Insurance Company Average Annual Rates
Allstate $3,935
American Family $3,366
Farmers $4,261
GEICO $2,556
Liberty Mutual $4,328
Nationwide $2,317
Progressive $3,512
State Farm $2,858
USAA $2,529

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Springfield, Missouri

Find the cheapest car insurance companies in Springfield, MO for each category right here.

Best Annual Car Insurance Rates by Company in Springfield, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors Nationwide
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

Cheapest Springfield, MO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Springfield car insurance rates. Find the cheapest Springfield, MO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Springfield, Missouri

Insurance Company Low Medium High
Allstate $3,782 $3,927 $4,097
American Family $3,256 $3,472 $3,370
Farmers $3,961 $4,216 $4,606
GEICO $2,360 $2,582 $2,726
Liberty Mutual $4,069 $4,352 $4,564
Nationwide $2,162 $2,342 $2,446
Progressive $3,027 $3,522 $3,987
State Farm $2,635 $2,870 $3,069
USAA $2,414 $2,520 $2,654

What affects car insurance rates in Springfield, Missouri?

What factors can have an impact on Springfield, MO car insurance? There are several reasons why Springfield car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Springfield, Missouri.

Commute Time in Springfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Springfield, MO is 18.2 minutes according to City-Data.

Traffic in Springfield

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Springfield, MO traffic data from INRIX ranks Springfield as the 830th-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Springfield, MO

Ready to find affordable Springfield, Missouri car insurance today? Enter your ZIP code for fast, free Springfield, MO car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption