Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Save up to $852 by comparing quotes from the top 100+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Cheapest recent rates near Springfield, Missouri
Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $65/mo for full coverage in Springfield and other Missouri cities.
*Quotes generated for Insurify users in and around Springfield, Missouri within the last 10 days. Last updated on December 19, 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 December 19, 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 December 19, 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Springfield drivers can find competitive rates for full-coverage car insurance, which averages $196 per month — less than the Missouri state average of $205. But its liability-only rates of $110 are more on par with the state average of $98.
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 55,000 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.
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 1,646 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 (940)
Arlington
December 18, 2024
Verified Review
Mediocre
It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.
Peter
December 18, 2024
Verified Review
Not Happy with USAA
They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.
Donna
December 17, 2024
Verified Review
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.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
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 9,243 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 (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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
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 5,747 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 (3,131)
Edward
December 19, 2024
Verified Review
A Company with Many Years of Experience
Allstate has been good for me for many years with mediocre pricing.
Barbara
December 18, 2024
Verified Review
Allstate? Ugh!
Clearly, it's not good, or else why would I be shopping for a new policy.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.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
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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: Sunday, December 1 at 11:00 AM PST.
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: Sunday, December 1 at 11:00 AM PST.
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 using Insurify have found quotes as cheap as $52/mo for liability only and $96/mo for full coverage in Springfield and other Missouri cities.
*Quotes generated for Insurify users in and around Springfield, Missouri within the last 10 days. Last updated on December 19, 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 December 19, 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 December 19, 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 December 19, 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:
Monthly rates start at $36 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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: Sunday, December 1 at 11:00 AM PST.
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
$171
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 $166 per month for liability-only coverage and $295 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
USAA
$29
$40
State Farm
$35
$48
Allstate
$46
$64
GEICO
$50
$70
American Family
$58
$81
Clearcover
$68
$101
Progressive
$70
$98
Shelter
$76
$110
Nationwide
$81
$114
Auto-Owners
$84
$117
Travelers
$85
$119
Safeco
$89
$123
Direct Auto
$91
$129
National General
$95
$132
Dairyland
$117
$161
GAINSCO
$126
$168
Bristol West
$127
$177
The General
$128
$182
Liberty Mutual
$133
$197
AssuranceAmerica
$139
$188
Foremost
$154
$228
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 $334 per month for full coverage and $188 for liability only.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
USAA
$29
$49
State Farm
$35
$59
Allstate
$46
$77
GEICO
$50
$84
American Family
$58
$97
Clearcover
$68
$114
Progressive
$70
$117
Shelter
$76
$127
Nationwide
$81
$136
Auto-Owners
$84
$141
Travelers
$85
$143
Safeco
$89
$135
Direct Auto
$91
$153
National General
$95
$159
Dairyland
$117
$196
GAINSCO
$126
$211
Bristol West
$127
$213
The General
$128
$215
Liberty Mutual
$133
$223
AssuranceAmerica
$139
$233
Foremost
$154
$258
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 $147 for full coverage and $82 for liability only.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
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
$100
$53
Nationwide
$108
$57
Safeco
$116
$73
Clearcover
$117
$56
Travelers
$118
$63
Auto-Owners
$119
$63
Direct Auto
$135
$67
National General
$144
$69
Liberty Mutual
$211
$106
The General
$233
$98
GAINSCO
$241
$101
Foremost
$253
$117
Bristol West
$258
$97
Dairyland
$276
$89
AssuranceAmerica
$312
$100
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 $376. Minimum coverage averages $211 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
USAA
$97
$52
State Farm
$118
$64
GEICO
$163
$86
Allstate
$166
$88
American Family
$201
$107
Progressive
$246
$130
Shelter
$256
$135
Clearcover
$274
$132
Auto-Owners
$283
$150
Nationwide
$286
$151
Safeco
$286
$179
Travelers
$306
$164
Direct Auto
$356
$177
National General
$414
$198
Liberty Mutual
$483
$242
The General
$515
$217
GAINSCO
$554
$231
Bristol West
$607
$228
Dairyland
$625
$201
Foremost
$630
$291
AssuranceAmerica
$847
$271
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.
Find Car Insurance in Springfield, Missouri
Compare rates from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
Jamie has been a contributor at Insurify since October 2022.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
)
)
){kind=small}
){kind=small}
){kind=small}
)
)
){kind=logo}
){kind=small}
){kind=small}
)
)
)
)
)
)
)
)