Springfield, MO Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Springfield.
What's the average cost of car insurance in Springfield?
Car insurance costs an average of $883 every six months in Springfield, Missouri. That's cheaper than the average in Missouri ($868) and more expensive than the national average of $880. Our guide to car insurance in Springfield — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, and other factors in Springfield. Read on to learn more!
| Car insurance in Springfield vs. Missouri | Average 6 Mo. Premium |
|---|---|
| Springfield average | $883 |
| Missouri average | $868 |
The Zebra's key takeaways about car insurance in Springfield:
- The average cost of a car insurance policy in Springfield is $833 per six-month policy — $138 per month.
- The cheapest company in Springfield is State Farm ($581).
- 32% of Zebra customers in Springfield stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Springfield car insurance rates by company
The difference in auto insurance rates from company to company can be substantial. For a typical driver, State Farm offers Springfield's most affordable premiums. See below the best options for affordable auto insurance in Springfield. Don't forget to get car insurance quotes based on your unique driving profile.
| Company | Average Six-month Rate |
|---|---|
| State Farm | $581 |
| GEICO | $774 |
| Progressive | $799 |
| American Family | $806 |
| Farmers | $858 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Springfield.
Springfield car insurance premiums by age
Our data shows that drivers between the ages of 20-29 make up 34% of Springfield drivers. The age group that pays the least for car insurance in Springfield are drivers in their 50s ($691 per six months). Those in their 60s don't pay significantly more ($701).
Teenage drivers aged 16 to 19 pay the most for car insurance in Springfield. One of the most effective ways to get cheaper car insurance rates as a driver in Springfield is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Springfield is $4,143, the largest such difference between any two age brackets.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teens | $3,200 |
| 20s | $1,129 |
| 30s | $807 |
| 40s | $748 |
| 50s | $691 |
| 60s | $701 |
| 70s | $854 |
Springfield car insurance rates by credit score
It's no secret credit score is closely correlated with auto insurance rates. Springfield drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 66% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Springfield, improving your credit to "Fair" could help you earn a $1,691 decrease in annual car insurance rates. Our data tells us 41% of drivers in Springfield have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,871 |
| Fair | $1,026 |
| Good | $833 |
| Very Good | $728 |
| Exceptional | $627 |
Springfield auto insurance costs by violation history
If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Springfield drivers found guilty of reckless driving face insurance rate increases of $620 per year, compared to the citywide average. A DUI violation may lead to a $616 increase, while a citation for speeding leads to a $382 rate hike.
| Violation | Average Six-month Rate |
|---|---|
| DWI/DUI | $1,141 |
| Reckless Driving | $1,143 |
| At-fault Accident (damages < $1,000) | $1,138 |
| At-fault Accident (damages greater than $2,000) | $1,252 |
| Speeding Ticket (16-20 mph over speed limit) | $1,024 |
Compare over 100 insurance companies at once!
Related Content
- Car Insurance with a DUI in Missouri
- Average Cost of Auto Insurance in Missouri
- Independence, MO Car Insurance
- Car Insurance for High-Risk Missouri Drivers
- Temporary Car Insurance in Missouri
- Car Insurance in Kansas City, MO
- Car Insurance in St. Louis, MO
- Missouri Car Insurance Laws
- Car Insurance in Columbia, MO
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.