Cheapest Auto Insurance in Springfield, Missouri (2024)

Springfield drivers can find competitive rates for full-coverage car insurance, which averages $203 per month — less than the Missouri state average of $241. But its liability-only rates of $96 are more on par with the state average of $96.

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.

3 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

Best insurer for teen drivers: State Farm

Best insurer for good drivers: Allstate

How to get the cheapest car insurance in Springfield

Springfield drivers pay an average of $96 per month for liability-only coverage and $203 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.

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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 $96 per month. Here are the cheapest liability policies in Springfield:

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 $203 per month. 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:^[3]

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]

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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 $140 for liability-only auto insurance and $295 for full-coverage auto insurance.

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

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 $143 per month for liability-only coverage and $303 for full coverage.

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

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 $344 per month for full coverage and $163 for liability only.

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 $135 for full coverage and $64 for liability only.

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 $373. Minimum coverage averages $176 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.

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 $203 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.

Springfield car insurance FAQs