Cheapest Auto Insurance in Springfield, Missouri (2026)

Springfield drivers can find competitive rates for full-coverage car insurance, which averages $169 per month — less than the Missouri state average of $183. But its liability-only rates of $88 are more on par with the state average of $89.

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.

6 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.

Best insurer for military members: USAA

Military members

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User Reviews	4.9 3,418 reviews
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.	9.1 /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.	$50/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.	$105/mo

Details

Driver Reviews

4.9

Best choiceBased on 3,418 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

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Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing 3 Missouri reviews for Springfield driversSee all 1,531 USAA reviews

Tammy

Verified Review

Great company

Reviewed in Missouri on January 4, 2026

Low rates, great coverage, and excellent claims assistance.

Stewart

Verified Review

Not satisfied with them at all

Reviewed in Missouri on December 23, 2025

They are supposed to give a military discount, but like the rest, they say they do and don't, and they raise the rate all the time.

Lonnie

Verified Review

Awesome

Reviewed in Missouri on October 3, 2025

Easy and affordable.

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

759

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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

• Limited in-person branch locations

Best insurer for teen drivers: State Farm

Teen drivers

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User Reviews	4.0 17,079 reviews
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.	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.	$59/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.	$123/mo

Details

Driver Reviews

4.0

Best choiceBased on 17,079 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.8	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 34 Missouri reviews for Springfield driversSee all 7,391 State Farm reviews

Tim

Verified Review

Watch your agent. He quoted me one thing and charged me another, even after we went over my coverage before I paid.

Reviewed in Missouri on March 18, 2026

Watch your agent. He quoted me one thing and charged me another, even after we went over my coverage before I paid.

Stephen

Verified Review

Too High

Reviewed in Missouri on March 11, 2026

The rates keep increasing, and they say there's no discount after 30 years and no major claims.

Joseph

Verified Review

I'm paying almost $700 for a 6-month renewal, while other companies are displaying 6-month renewals as low as $175. Please tell me how this can be. At this point, I am thinking of going to insurance for veterans that give a better rate.

Reviewed in Missouri on February 28, 2026

I'm paying almost $700 for a 6-month renewal, while other companies are displaying 6-month renewals as low as $175. Please tell me how this can be. At this point, I am thinking of going to insurance for veterans that give a better rate.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

647

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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

Cons

• Gap insurance not available

• Not as many discounts as some competitors

Best insurer for good drivers: Allstate

Good drivers

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User Reviews	3.8 10,217 reviews
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.	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.	$81/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.	$168/mo

Details

Driver Reviews

3.8

A solid optionBased on 10,217 verified driver reviews and ratings

	Allstate's score	Industry average
Coverage options	3.8	3.2
Customer service	3.8	3.6
Discounts	3.8	2.9
Policy transparency	3.6	3.1
Value	3.3	2.9

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

Based on analysis of verified reviews collected by Insurify

---

Best For

Accident forgiveness

Wide availability

Cheap rates

Showing 7 Missouri reviews for Springfield driversSee all 4,382 Allstate reviews

Karen

Verified Review

Excellent

Reviewed in Missouri on March 30, 2026

They always pay for my claims.

Colleen

Verified Review

Allstate Allgood!

Reviewed in Missouri on March 29, 2026

Pleasant, courteous, helpful—Thank goodness I had no claims!

Denise

Verified Review

Did my car insurance representative help me or help the company?

Reviewed in Missouri on January 14, 2026

My current car insurance is the best so far. They worked with me, told me the truth, and gave me the pros and cons right off. I knew what I wanted, and they provided me with what they could while still keeping my payments below all other insurance companies so far. I didn't feel rushed, and I wasn't quoted high outrageous prices right off. I appreciated the agent for being truthful and showing that it wasn't all about the money. It felt wonderful to actually feel like someone was listening to me and not trying to make their quota for the day. This time it didn't sound like a sales pitch over the phone, for once. Thanks, Progressive Car Insurance.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

629

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

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 $88 per month for liability-only coverage and $169 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 $50 per month

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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 $88 per month. Here are the cheapest liability policies in Springfield:

The below rates in Springfield, MO, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$50
State Farm	$59
Progressive	$65
Allstate	$81
Safeco	$81
Root	$82
National General	$83
Clearcover	$85
GEICO	$87
Direct Auto	$92
Bristol West	$94
American Family	$101
Dairyland	$101
The General	$101
GAINSCO	$112
Liberty Mutual	$121
Shelter	$133
Nationwide	$141
Auto-Owners	$146
Travelers	$147

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield 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 $169 per month. Here are the most affordable full-coverage policies in Springfield:

The below rates in Springfield, MO, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$105
Progressive	$111
State Farm	$123
Safeco	$145
Root	$161
National General	$163
Allstate	$168
Direct Auto	$183
GEICO	$183
Clearcover	$196
American Family	$210
Liberty Mutual	$218
Bristol West	$236
GAINSCO	$271
Shelter	$278
Nationwide	$295
The General	$298
Auto-Owners	$305
Travelers	$307
Dairyland	$342

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield 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:

Uninsured/underinsured motorist coverage

Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with an uninsured driver.



Personal injury protection coverage

Personal injury protection will pay for any hospital visits or funeral expenses if you or another passenger are injured in an accident.



Collision coverage

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



Comprehensive coverage

Comprehensive insurance 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 drivers 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.^[4]

Find Car Insurance in Springfield, MO

Monthly rates start at $62 for drivers with an incident

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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 $108 for liability-only auto insurance and $208 for full-coverage auto insurance.

The following table shows rates from top insurers for drivers with speeding tickets in Springfield.

The below rates in Springfield, MO, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
USAA	$50	$64
State Farm	$59	$74
Progressive	$65	$80
Allstate	$81	$105
Safeco	$81	$106
Clearcover	$85	$108
Root	$82	$109
GEICO	$87	$113
Direct Auto	$92	$115
Bristol West	$94	$118
Dairyland	$101	$125
American Family	$101	$130
GAINSCO	$112	$133
The General	$101	$134
Liberty Mutual	$121	$153
Shelter	$133	$175
Nationwide	$141	$181
Auto-Owners	$146	$189
Travelers	$147	$189

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield 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 $115 per month for liability-only coverage and $221 for full coverage.

Here are average quotes for Springfield drivers with at-fault accidents on their records.

The below rates in Springfield, MO, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
USAA	$50	$67
State Farm	$59	$78
Progressive	$65	$85
Allstate	$81	$108
Root	$82	$109
Safeco	$81	$112
GEICO	$87	$113
Clearcover	$85	$121
Bristol West	$94	$123
Direct Auto	$92	$125
Dairyland	$101	$133
American Family	$101	$135
The General	$101	$138
GAINSCO	$112	$143
Liberty Mutual	$121	$160
Shelter	$133	$179
Nationwide	$141	$189
Auto-Owners	$146	$192
Travelers	$147	$197

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield 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 $212 per month for full coverage and $110 for liability only.

The below rates in Springfield, MO, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
USAA	$50	$67
State Farm	$59	$80
Progressive	$65	$82
Allstate	$81	$109
Root	$82	$112
Clearcover	$85	$115
Safeco	$81	$116
GEICO	$87	$116
Direct Auto	$92	$124
Bristol West	$94	$127
The General	$101	$131
American Family	$101	$136
Dairyland	$101	$136
GAINSCO	$112	$151
Liberty Mutual	$121	$163
Shelter	$133	$181
Nationwide	$141	$190
Auto-Owners	$146	$197
Travelers	$147	$198

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield 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 $143 for full coverage and $74 for liability only.

The below rates in Springfield, MO, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
USAA	$84	$40
Progressive	$94	$55
State Farm	$96	$46
Safeco	$125	$70
Root	$133	$68
Allstate	$135	$65
GEICO	$144	$68
Direct Auto	$148	$74
American Family	$166	$80
Clearcover	$172	$75
Liberty Mutual	$180	$100
Bristol West	$195	$78
Shelter	$196	$94
Nationwide	$223	$107
GAINSCO	$229	$95
Auto-Owners	$238	$114
Travelers	$243	$116
The General	$251	$85
Dairyland	$287	$85

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield 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 $296. Minimum coverage averages $154 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 in Springfield, MO, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
USAA	$191	$91
Progressive	$195	$114
State Farm	$235	$113
Root	$275	$140
Safeco	$290	$162
Clearcover	$316	$137
GEICO	$326	$155
Allstate	$328	$158
Direct Auto	$350	$176
Liberty Mutual	$375	$208
American Family	$392	$188
Bristol West	$411	$164
GAINSCO	$478	$198
The General	$525	$178
Shelter	$548	$262
Nationwide	$567	$271
Dairyland	$585	$173
Auto-Owners	$611	$293
Travelers	$631	$302

Disclaimer: Table data sourced from real-time Springfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Springfield may vary based on the policy buyer's unique driver profile.

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.

Is car insurance more expensive in Springfield?

Car insurance costs in Springfield are a mixed bag. While the city’s full-coverage average of $169 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.

City	Full Coverage	Liability Only
Cape Girardeau	$184	$92
Columbia	$165	$87
Independence	$196	$114
Jefferson City	$147	$84
Joplin	$155	$82
Kansas City	$212	$122
St. Louis	$264	$150

Disclaimer: Table data is based on real-time Springfield quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Springfield car insurance FAQs