Cheap Auto Insurance Quotes in Springfield, MO (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Show Me State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes

Welcome to the Ozarks.

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. 

Car Insurance in Springfield, MO

The average cost of Missouri car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Springfield, MO to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$68
$76
$112
$133
$145
AllstateDirect AutoState FarmTravelersProgressive
Monthly $

Cheapest Car Insurance in Springfield, MO

Here are the cheapest carriers in Springfield for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Springfield, MO

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Springfield. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$142
$171
$135
$118
$135
$149
MissouriKansas CityIndependenceColumbiaLees SummitSpringfield
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Springfield, MO Driving Facts

missouri

Minimum Car Insurance Requirements in 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:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

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.

  • $10,000/accident for Property Damage (PD)

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:

  • $25,000 per person/$50,000 per accident for Bodily Injury  

Springfield Car Insurance Rates by Driver Age

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.

Driving History
No Violation$201
Speeding Ticket$286
At-Fault Accident$321
Failure to Stop for Red Light / Stop Sign$248

Springfield Car Insurance Rates by Driving and Accident History

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.

Springfield Car Insurance Rates by Credit Tier

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.

Springfield DMV Information

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 Public Transit

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.

Conclusion: How to get the best and cheapest car insurance in Springfield

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. 

 

Find local Springfield agents

Insurors of America 
709 W Sunshine St, Springfield, MO 65807
The Resource Center Insurance Services 
1304 East Kinglsey Street, Springfield, MO 65804
Insurors of the Ozarks 
2104 E Sunshine, Suite A, Springfield, MO 65804
Barker-Phillips-Jackson 
1637 S Enterprise Ave, Springfield, MO 65804-1850
Commercial Insurance Underwriters 
901 E Saint Louis St Ste 205, Springfield, MO 65806
Latour Advisory Group 
2627 W Republic Rd Ste A112, Springfield, MO 65807-4800
Ron Tagge Insurance Agency 
5336 S Campbell Avenue, Springfield, MO 65810-2409
AG Financial Insurance 
3900 S Overland Avenue, Springfield, MO 65807
Hemingway Insurance Services 
342 E Kearny, Springfield, MO 65803
American Eagle Insurance Agency 
510 W Battlefield St Ste A, Springfield, MO 65807-4118

Insurify Insights: How Springfield Drivers Measure Up

chevrolet
Chevrolet Impala
Most Popular Car in
Springfield, MO
suspended licenses
#14
Cities with Most
Suspended Licenses Rank

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.

Accidents Springfield

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.

  • Rank within state: #16
  • Percent of drivers in Springfield with an accident: 10.07%
  • Drivers in Springfield, MO with an accident in their driving history paid on average 59.28% more than drivers with a clean record

Speeding Springfield

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.

  • Rank within state: #16
  • Percent of drivers in Springfield with a speeding ticket: 9.72%
  • Drivers in Springfield, MO with a speeding ticket in their driving history paid on average 46.11% more than drivers with a clean record

DUI/DWIs Springfield

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.

  • Rank within state: #8
  • Percent of drivers in Springfield with a DUI: 2.75%
  • Drivers in Springfield, MO with a DUI in their driving history paid on average 8.98% more than drivers with a clean record

Most Popular Vehicle Springfield

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.

Rude Springfield

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.

  • Rank within state: #8
  • Percent of drivers in Springfield with a reckless driving violation: 1.94%
  • Drivers in Springfield, MO with a reckless driving violation in their driving history paid on average 41.92% more than drivers with a clean record.

Safest Drivers Springfield

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.

  • Rank within state: #5
  • Percent of drivers in Springfield with clean record: 79.99%

Failure to Yield the Right of Way Springfield

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.

  • Rank within state: #2
  • Percent of drivers in Springfield with a failure to yield violation: 0.85%
  • Drivers in Springfield, MO with a failure to yield violation in their driving history paid on average 1500% more than drivers with a clean record

Reckless Drivers Springfield

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.

  • Rank within state: #6
  • Percent of drivers in Springfield with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Springfield

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.

  • Rank within state: #20
  • Percent of drivers in Springfield with a hybrid/electric vehicle: 0.48%
Most Patriotic City

Most Patriotic City

Springfield

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.


FAQs - Springfield, MO Car Insurance

Are there any unique driving laws in Springfield, Missouri?

In Missouri, failing to buckle your seatbelt while in a motor vehicle, blocking an intersection, and driving uninsured are ticketable offenses. Using wireless devices is still legal in Missouri. Missouri is one of two remaining states that have yet to outlaw texting and driving. For drivers under 21, texting and driving is illegal, but legal for everyone else. As a matter of safety, even though you may not be punished, it is advised that individuals abstain from distracted driving.

Which car insurance company offers the cheapest rates in Springfield?

The best way to get the cheapest car insurance in Springfield and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Will my credit score affect my car insurance rates in Springfield?

Yes. Like the majority of the United States, Missouri allows the practice of using credit-based insurance scores to help determine the risk of a policyholder. Missouri car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder, meaning they can increase your insurance rates if you have bad credit. Credit scores are calculated based on information from your credit report and are used by lending institutions to determine how likely it is that you'll repay a loan on time. They also help creditors determine interest rates and loan qualifications. Credit-based insurance scores don't factor in your job, income history, gender, or any other personal information. Car insurance companies may use these variables to help determine the likelihood of an insurance claim in the future.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.