Best Cheap Auto Insurance in Springfield, Missouri (2023)

Drivers in Springfield, Missouri, have plenty of things to enjoy about living in the heart of the Ozarks, including relatively mild weather, outdoor activities, and affordable car insurance rates. Springfield drivers pay an average of $246 per month for a full-coverage insurance policy, which is less than the Missouri state average of $294.

But the best auto insurance coverage for you will vary depending on your driving history, credit profile, age, and other factors. Understanding how these factors influence your premiums will help you find the lowest rates and best deals on auto insurance in the Queen City of the Ozarks.

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Best 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.

Best insurer for military members: USAA

Best insurer for teen drivers: State Farm

Best insurer for good drivers: Allstate

Cheapest liability-only car insurance in Springfield

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. However, it won’t cover your hospital bills or pay to repair or replace your vehicle.

Most people opt for liability-only insurance as a way to save on insurance costs. Here are the cheapest liability policies in Springfield:

Cheapest full-coverage car insurance in Springfield

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 does cost more than a liability-only policy, but you still have ways to save. Here are the most affordable full-coverage policies in Springfield:

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:^[1]

Though not required by state law, you can choose to purchase the following additional coverages:

Uninsured motorist

This type of insure covers you if you’re involved in an accident with an uninsured driver.

Personal injury protection

This coverage will pay for any hospital visits or funeral expenses if you or another passenger are injured in an accident.

Collision

Collision insurance will pay to repair or replace your vehicle if it’s damaged in an auto accident.

Comprehensive

This coverage pays to repair or replace your vehicle if it’s damaged in a storm, stolen, or broken into.

Cheapest car insurance for drivers with an incident

A variety of different factors determine what you pay for auto insurance, but your driving record is one of the biggest factors. Drivers with a clean record pay less than someone with a history of speeding tickets, driving under the influence, or at-fault accidents. A history of traffic violations means you’re a bigger risk to your insurance company.^[2]

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Cheapest car insurance for drivers with a speeding ticket

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.^[3]

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.^[4]

Cheapest car insurance for drivers with an at-fault accident

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.^[5]

Cheapest car insurance for drivers with a DUI

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.^[6]

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.

Cheapest car insurance for seniors

Your car insurance rates begin to decrease around age 35, but they increase again starting at age 75. Drivers older than 70 are at higher risk of fatal auto accidents than middle-age drivers.^[7] Seniors can save on insurance by enrolling in an approved defensive driving course and taking advantage of multi-policy discounts.

Cheapest car insurance for teens

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.^[8]

Teens can save on auto insurance by taking advantage of good student discounts. 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.

How to get the cheapest car insurance in Springfield

Springfield drivers can expect to pay an average of $158 per month for liability-only coverage and $246 per month for a full-coverage policy. Here are the best ways to save on auto insurance:^[9]

• 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 Car Insurance in Springfield, Missouri

Compare rates from top insurance companies in your area.

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Springfield car insurance quotes by credit tier

Most states, including Missouri, allow insurance companies to consider your credit score when you apply for auto insurance. Insurance companies use an insurance-based credit score, which is a rating based on your credit information.^[10]

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.

Is car insurance more expensive in Springfield?

You can expect to pay an average of $246 per month for full-coverage car insurance in Springfield. This is slightly below the national full-coverage average of $253 per month.

Your ZIP code plays a big role in how much you pay for insurance, and drivers that live in large cities can expect to 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 stacks up to other cities in the Show-Me State.

Springfield car insurance FAQs