With limited public transit, car travel is the main mode of transportation for hundreds of thousands of Springfield drivers. Finding the right car insurance policy for you and your lifestyle is a vital step towards safe driving in the City of the Ozarks.
Over 90 percent of Springfield households own cars. With all those vehicles on the road, a solid auto insurance policy is a must for drivers of all ages and backgrounds. Search and save on the best car insurance policies today.
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| Insurance Provider in Springfield | |
|---|---|
 Direct Auto | $76/mo |
 State Farm | $112/mo |
 Travelers | $133/mo |
Progressive | $145/mo |
 American Family | $194/mo |
| Best Companies | ||
|---|---|---|
American Family | $218/mo | |
 Safeco | $170/mo | |
 Liberty Mutual | $189/mo | |
Travelers | $126/mo |
See More: Best Car Insurance Companies
| Kansas City | $224/mo |
| Independence | $135/mo |
| Columbia | $118/mo |
| Lees Summit | $204/mo |
| Springfield | $160/mo |
| Missouri | $168/mo |
All motor vehicles operated or parked on Missouri roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Missouri state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Missouri law.
The state minimum amount of property damage liability coverage required in the state of Missouri is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured and underinsured motorist coverage are required in Missouri. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Missouri, the legally required level of Uninsured Motorist coverage is:
Springfield is home to drivers of all ages, and it’s common to see both newly licensed individuals and seniors on the road. Those under the age of 20 end up paying the most for coverage here, with rates that average around $477 a month. Once you’re 30 or older, insurance premiums fluctuate over time but only about $50 higher or lower during any given decade of your life. Those in their 40s get to enjoy the cheapest rates at around $159 a month on average.
| Driver's Age | |
|---|---|
| teens | $478 |
| 20s | $280 |
| 30s | $183 |
| 40s | $160 |
| 50s | $211 |
| 60s | $184 |
| 70s | $208 |
| 80s | $198 |
| Driving History | |
|---|---|
| No Violation | $201 |
| Speeding Ticket | $286 |
| At-Fault Accident | $321 |
| Failure to Stop for Red Light / Stop Sign | $248 |
You’ll want to pay careful attention while on the road in Springfield, as moving violations can significantly increase your rates from the $200 range that many motorists enjoy. Drivers who run a stop sign will pay around $47 more than those with a clean driving record, and people found speeding are often charged a rate of $285. An at-fault accident has the largest effect on your insurance rates, boosting prices to an average of $320.
See More: High-risk Car Insurance Missouri
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Having great credit will be beneficial for many things in life, but in Springfield, your car insurance rates won’t change much. If you are in the poor credit tier you can expect to pay $240, while bumping your score up to the average category only saves you $21. At its cheapest, Springfield car insurance rates are as low as $194 for drivers who have excellent credit, proving that your rates are calculated by more than just this singular factor.
| Credit Tie | |
|---|---|
| Excellent | $195 |
| Good | $229 |
| Average | $220 |
| Poor | $241 |
See More: Bad Credit Car Insurance Missouri
Springfield has a few DMV outposts throughout the city and surrounding areas for license and other vehicle services. The three Driver’s License and Vehicle Registration Offices and two Driver’s Examination Station have office hours between 8 AM and 5 PM. Road tests, licensing, vehicle registrations, and insurance services can be accessed at the Department of Motor Vehicles offices in Springfield.
Springfield is not known for having fantastic public transportation. Because of this, most residents drive cars in and around the city, leading to frequent traffic jams during rush hour. Interstates, freeways, and quaint country roads criss-cross throughout Springfield. There are major bus and train stations in and around the city. Ridesharing services like Uber and Lyft, plus traditional taxis operate across the city.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Springfield drivers measure up to their fellow Missouri motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Springfield drivers rank 16 in the number of car accidents per driver across all cities in Missouri.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Missouri, Springfield drivers rank 16 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Springfield drivers rank 8 in the number of DUI’s per driver across all cities in Missouri.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Springfield is the Chevrolet Impala.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Missouri, Springfield drivers rank 8 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Springfield drivers rank 5 in clean driving records across all cities in Missouri.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Springfield drivers rank 2 in failure to yield violations per driver across all cities in Missouri.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Missouri, Springfield drivers rank 6 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Springfield drivers rank 20 in hybrid and electric vehicle ownership across all cities in Missouri.
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
St. Charles won Insurify's Most Patriotic Cities Award for the state of Missouri. St. Charles is the site where Lewis and Clark met to begin their westward trek.
Springfielders are busy people—there’s no need to waste time finding the perfect auto insurance policy.
Protect yourself from uninsured motorists and use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.
With an estimated 14 percent of Missouri vehicles driving uninsured, risking a car accident without sufficient coverage could be incredibly damaging, financially and otherwise. Be sure to stay up to date with liability insurance requirements, and research your coverage options and different insurance agencies.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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