120+ more*Quotes generated for Insurify users in and around Springfield, Missouri within the last 10 days. Last updated on May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Springfield drivers can find the cheapest premiums through USAA, Progressive, and State Farm.
Rates in Springfield are slightly lower than the Missouri state averages.
Springfield residents have an average commute time of 17 to 18 minutes and, as a result, may spend less on coverage than drivers in St. Louis with longer commutes.
Residents in Springfield, Missouri, pay average monthly car insurance rates of $80 for liability insurance and $165 for full coverage.
These premiums are more expensive than those in Joplin but slightly cheaper than in Branson. This might be due to the higher population density than Joplin and lower tourism traffic than Branson.
Springfield reports thousands of traffic accidents per year, with 3,603 in 2024, and local police and public works are actively working to improve intersections to reduce incidents and fatalities.[1]
Here’s a look at how rates for auto policies compare to the average car insurance costs in Missouri.
Car Insurance Costs in Springfield vs. Missouri  | Average Monthly Quote |
|---|---|
| Springfield average | $123 |
| Missouri average | $136 |
USAA offers the lowest car insurance premiums in Springfield for liability-only coverage, with rates averaging $41 per month.
If you’re looking for full coverage, USAA has the cheapest full-coverage rates, at $80 per month.
Pay your first week’s premium and get immediate proof of insurance
Whether you’re a Springfield native or you’re taking a trip to the Ozarks, keep the following in mind:
Parking rules: You can usually park on residential streets in Springfield as long as you keep a safe distance from driveways, intersections, and mailboxes. No-parking signs are less common, but the city might post them in certain areas to address safety or visibility concerns.
Drive 25 Program: Springfield’s Drive 25 Program aims to reduce speeding in the area. To participate, commit to driving the speed limit and complete the pledge form on Springfield’s website. Once you do, you’ll receive a window decal for your vehicle.
Flood-prone areas: Heavy rainfall and flash flooding occur in Springfield, especially in low-lying areas. Depending on where you live and drive, comprehensive insurance — which covers flooding — might be worth it.
Springfield is part of Greene County, which ranks No. 118 nationwide for vehicle theft volume, with 447 thefts in early 2025, according to data from the National Insurance Crime Bureau. This is significantly higher than Jasper County, where nearby Joplin is located, and helps explain why premiums tend to be a bit more expensive in Springfield.
Car insurance costs in Missouri vary by city. For example, drivers in Joplin and Jefferson City pay the cheapest rates. But drivers in St. Louis and Kansas City usually pay the most for auto insurance.
Springfield residents typically face higher premiums than drivers in Joplin because of the city’s greater population density and vehicle theft rates. But insurance coverage is still more affordable than in larger metro areas like St. Louis and Kansas City, where longer commute times increase risk.
Here’s a look at how auto insurance rates in Springfield compare to rates in other Missouri cities.
City | Average Monthly Quote |
|---|---|
| Columbia | $121 |
| Independence | $147 |
| Jefferson City | $111 |
| Joplin | $114 |
| Kansas City | $161 |
| St. Louis | $198 |
| Springfield | $123 |
Most of Springfield’s traffic lies along Interstate 44, U.S. Route 65, and U.S. Route 60 or the James River Freeway. The average commute time of about 17 to 18 minutes is relatively short, but traffic can increase seasonally along U.S. 65 as people head toward Branson.
Also, the Springfield Police Department is focused on reducing speeding, highlighting ongoing crash risks, which insurers consider when setting premiums.[2]
Missouri law requires Springfield drivers to buy a minimum coverage level of car insurance, including bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.[3]
Among insurers in the area, USAA and Progressive offer the cheapest liability policies, with monthly rates averaging $41 and $46, respectively.
This table shows the lowest rates for liability-only insurance in Springfield.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $41 |
| Progressive | $46 |
| State Farm | $48 |
| Allstate | $66 |
| Safeco | $66 |
| National General | $67 |
| Root | $68 |
| Clearcover | $69 |
| GEICO | $72 |
| Direct Auto | $75 |
| Bristol West | $77 |
| American Family | $82 |
| Dairyland | $83 |
| The General | $83 |
| GAINSCO | $91 |
| Liberty Mutual | $97 |
| Shelter | $108 |
| Nationwide | $115 |
| Auto-Owners | $118 |
| Travelers | $120 |
Full-coverage car insurance, which usually includes liability, collision, and comprehensive coverage, isn’t required in Springfield.
But it might make sense if you want peace of mind and protection from flood damage, especially if you live in or frequent a low-lying area such as those near Jordan Creek or Fassnight Creek.
Springfield drivers pay a monthly average of $165 for full-coverage insurance.
Below are the cheapest full-coverage car insurance companies in Springfield.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $80 |
| Progressive | $84 |
| State Farm | $95 |
| Safeco | $111 |
| National General | $124 |
| Root | $126 |
| Allstate | $128 |
| Direct Auto | $138 |
| GEICO | $139 |
| Clearcover | $150 |
| American Family | $160 |
| Liberty Mutual | $165 |
| Bristol West | $180 |
| GAINSCO | $205 |
| Shelter | $211 |
| Nationwide | $224 |
| The General | $226 |
| Auto-Owners | $232 |
| Travelers | $233 |
| Dairyland | $253 |
*Quotes generated for Insurify users in and around Springfield, Missouri within the last 10 days. Last updated on May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The speed limit in most Springfield neighborhoods is 25 mph. Public works posts yellow speed limit signs at entry points to inform drivers of the posted speed limit.[4] Additionally, Springfield’s Drive 25 Program strives to minimize speeding tickets and unite residents who do their part.
Springfield drivers with a speeding ticket pay a monthly average of $99 for liability insurance.
Here are the lowest premiums for Springfield drivers with a speeding ticket.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $53 |
| Progressive | $57 |
| State Farm | $61 |
| National General | $83 |
| Allstate | $85 |
| Safeco | $86 |
| Clearcover | $88 |
| Root | $90 |
| Direct Auto | $94 |
| GEICO | $94 |
| Bristol West | $97 |
| Dairyland | $103 |
| American Family | $106 |
| GAINSCO | $108 |
| The General | $111 |
| Liberty Mutual | $123 |
| Shelter | $143 |
| Nationwide | $148 |
| Auto-Owners | $153 |
| Travelers | $155 |
Missouri is an at-fault state, so Springfield drivers who cause an accident are responsible for the damages. Their insurance policy should pay for the other party’s property damage and injuries. About 4.9% of Springfield residents have an at-fault accident on their records, Insurify data shows, and USAA offers the cheapest rates for these drivers.
This table highlights the most affordable rates for drivers with an at-fault accident in Springfield.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $55 |
| Progressive | $60 |
| State Farm | $63 |
| Allstate | $88 |
| National General | $89 |
| Root | $91 |
| Safeco | $91 |
| GEICO | $94 |
| Clearcover | $98 |
| Bristol West | $101 |
| Direct Auto | $102 |
| Dairyland | $109 |
| American Family | $110 |
| The General | $114 |
| GAINSCO | $116 |
| Liberty Mutual | $128 |
| Shelter | $146 |
| Nationwide | $154 |
| Auto-Owners | $156 |
| Travelers | $161 |
Like other cities in Missouri, driving while intoxicated (DWI) in Springfield is a serious offense. Currently, 0.8% of Springfield drivers have a DWI on their record, according to Insurify data.
A first-time conviction usually leads to a 90-day license suspension. Multiple offenses can result in more severe consequences, including denial of a license for up to 10 years.[5]
Springfield drivers with a DWI pay monthly averages of $103 for liability insurance and $213 for full-coverage insurance.
Below, you’ll find the most affordable coverage for drivers with a DWI in Springfield.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $56 |
| Progressive | $59 |
| State Farm | $66 |
| Allstate | $90 |
| National General | $92 |
| Root | $94 |
| Clearcover | $94 |
| Safeco | $96 |
| GEICO | $97 |
| Direct Auto | $102 |
| Bristol West | $105 |
| American Family | $106 |
| The General | $109 |
| Dairyland | $113 |
| GAINSCO | $124 |
| Liberty Mutual | $133 |
| Shelter | $149 |
| Nationwide | $157 |
| Auto-Owners | $161 |
| Travelers | $164 |
Springfield teens can get their instruction permit at age 15 after they pass vision, road sign recognition, and written tests.
Once they’ve had the permit for at least 182 days and turn age 16, they may qualify for an intermediate license, which comes with certain restrictions. At age 18, teens can graduate to a full driver’s license.[6]
On average, Springfield teens pay $139 per month for basic coverage, but USAA offers the cheapest rates.
This data reveals the cheapest premiums for teenage drivers in Springfield.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $74 |
| Progressive | $80 |
| State Farm | $91 |
| Clearcover | $110 |
| Root | $115 |
| GEICO | $127 |
| Allstate | $128 |
| National General | $131 |
| Safeco | $131 |
| Bristol West | $134 |
| Dairyland | $141 |
| Direct Auto | $143 |
| The General | $146 |
| American Family | $152 |
| GAINSCO | $159 |
| Liberty Mutual | $166 |
| Shelter | $211 |
| Nationwide | $220 |
| Auto-Owners | $236 |
| Travelers | $246 |
Monthly rates start at $51 for drivers with an incident
Seniors make up about 15% of Springfield’s population. On average, they pay $68 per month for liability insurance and typically pay the lowest rates of any age group.
USAA and Progressive offer the cheapest rates for Springfield seniors.
Here are the most affordable car insurance companies for seniors in Springfield.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $33 |
| State Farm | $37 |
| Progressive | $39 |
| National General | $52 |
| Allstate | $53 |
| Root | $56 |
| GEICO | $57 |
| Safeco | $57 |
| Clearcover | $61 |
| Direct Auto | $61 |
| Bristol West | $64 |
| American Family | $65 |
| Dairyland | $70 |
| The General | $70 |
| Shelter | $76 |
| GAINSCO | $77 |
| Liberty Mutual | $80 |
| Nationwide | $87 |
| Auto-Owners | $92 |
| Travelers | $95 |
If you’re shopping for auto policies in Springfield, Missouri, the answers below can help as you research options to find the right coverage.
Average car insurance costs for Springfield residents are $80 per month for liability insurance and $165 per month for full coverage. Factors like your age, gender, driving record, credit, and coverages help determine your exact rates.
USAA offers the lowest car insurance rates in Springfield, with liability policies averaging $41 per month.
Missouri drivers must carry bodily injury liability of $25,000 per person and $50,000 per accident, as well as property damage liability of $25,000 per accident. The law also requires uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
Most car insurance companies advertise discounts on their websites. Many offer a discount when you bundle your auto insurance with homeowners, renters, or pet insurance. You can also contact an insurance agent to get an auto insurance quote and explore any discounts that might apply to you.
To file an auto insurance claim in Springfield, you’ll need to reach out to your insurance company directly. Most insurers let you start the claim process online or through a mobile app.
Missouri is an at-fault state, so it’s important to provide as much information and evidence as you can when filing a claim.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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.
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