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Springfield, Missouri, drivers pay an average of $147 per month for car insurance — less than the state average of $235 per month, according to Compare.com data. Drivers in the city pay an average of $97 per month for liability coverage and $197 for full coverage.
Springfield is much smaller than larger Missouri cities Kansas City and St. Louis and has much less foot and vehicle traffic, which likely contributes to its cheaper-than-average rates. This guide will explore the best and cheapest car insurance companies in Springfield for drivers from all walks of life.
Key Takeaways:
- USAA is the cheapest car insurance company in nearly all categories, but you must be a military member, veteran, or family member to buy a policy.
- We found that Allstate is the best company for Springfield drivers with less-than-perfect driving records
- Springfield drivers must purchase uninsured motorist coverage.
In This Article:
- Average Price for Car Insurance in Springfield
- Cheapest Springfield Car Insurance Companies
- Best Springfield Car Insurance Companies of 2024
- Springfield Rate Breakdowns by Driver and Coverage Type
- Missouri Auto Insurance Requirements
- Frequently Asked Questions
How Much Is Car Insurance in Springfield?
The average cost of car insurance in Springfield is $147 per month, according to our analysis — a little more than the national average of $135s. Drivers pay $97 per month for liability-only policies and $197 per month for full-coverage car insurance.
But these averages are just that: averages. Your car insurance premium will vary based on your unique driving profile, which is why it’s so important to compare car insurance quotes from multiple insurance companies before buying a policy.
In the next section, we’ll highlight the top five companies offering the cheapest car insurance in Springfield.
Find the Cheapest Car Insurance in Springfield
Springfield’s Cheapest Car Insurance Companies
Although Springfield’s average rates are $147 per month, you can still find ways to save money and pay less for an insurance policy. The best way is to shop around and compare quotes from at least three companies before settling on a policy.
The table below highlights five insurers with the cheapest average monthly premiums in Springfield, according to Compare.com data.
| Company | Average Monthly Premium |
|---|---|
| USAA | $40 |
| State Farm | $47 |
| Allstate | $65 |
| GEICO | $70 |
| Safeco | $79 |
USAA leads the pack with an average monthly rate of $40. But USAA may not be the cheapest car insurance company for you — and you must also be a USAA member to buy a policy.
The best company for you depends on your unique insurance needs. That said, insurance rates vary drastically from company to company. Insurers look at many different factors — like your driving record, age, and ZIP code — when setting rates.
Keep reading to learn which insurers shine for the many different types of Springfield drivers.
Top 3 Best Springfield Insurance Companies of 2024
No single insurance company will be the best for every driver, and the company with the best price isn’t always the best option. The best insurer for you will depend on various factors like your budget and specific needs. Thankfully, you have multiple options to choose from.
We chose the following three companies based on a combination of average rates, available discounts, customer ratings and reviews, and coverages. Each offers the best available car insurance in Springfield for a specific kind of driver.
Best for military members: USAA
- Average premium: $40 per month
- Compare.com rating: 4.91 out of 5
Pros:
- Coverage available nationwide
- Cheap rates
- Military-focused discounts
Cons:
- Limited available coverage options
- Gap insurance not available
- Claims processing issues
USAA offers excellent and affordable insurance coverage exclusively to military members and their families. Unfortunately, many Springfield residents won’t be able to take advantage of the company’s discount programs and special perks for its members.
As a member, you can lower your rate by taking advantage of discounts, such as good student, clean driving record, and garaging your car on a military installation, such as a base or camp. It earned high customer satisfaction scores in the J.D. Power 2023 U.S. Auto Insurance Study, but not as high as some of its competitors.
Best for discounts: State Farm
- Average premium: $47 per month
- Compare.com rating: 4.90
Pros:
- Coverage available nationwide
- Affordable rates
- Numerous available discounts
Cons:
- Limited available coverage options
- Expensive rates for high-risk drivers
- Higher-than-average customer complaints
State Farm is the largest car insurance company in the U.S. by market share, allowing it to offer affordable auto insurance coverage and numerous discounts. It ranks as the third-highest insurer for customer satisfaction in the region and is also among the highest ranking for usage-based insurance, according to the J.D. Power 2023 U.S. Auto Insurance Study.
It’s a solid choice for most drivers, but especially if you’re looking to save money through discounts like car safety discounts, low annual mileage, and autopay.
Best for high-risk drivers: Allstate
- Average premium: $65 per month
- Compare.com rating: 4.93
Pros:
- Coverage available nationwide
- Good rates for high-risk drivers
- Wide selection of available coverage options
Cons:
- Slow claims process
- Higher-than-average number of customer complaints
- Drivewise and Milewise app issues
Allstate is one of the largest insurance companies in the U.S. and offers a wide variety of insurance products, including home, life, and auto insurance.
The company offers competitive rates for high-risk drivers — something that can’t be said about all insurers — making it an excellent option for drivers looking for reasonable coverage after an incident or who need an SR-22 certificate.
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Cheapest Company for Liability Insurance: USAA
Your coverage level has a significant effect on your rates — the more coverage you have, the higher your rates will be. But liability-only coverage at the state-minimum limits is the cheapest policy available.
While a liability-only policy is the most affordable, it leaves you the most vulnerable, because it only covers the injuries and property damage of other drivers when you cause an accident.
The table below highlights the cheapest companies for liability insurance in Springfield, according to Compare.com data.
| Company | Average Monthly Premium |
|---|---|
| USAA | $29 |
| State Farm | $34 |
| Allstate | $46 |
| GEICO | $50 |
| Safeco | $51 |
USAA is the cheapest car insurance company in Springfield for liability insurance, with an average monthly premium of only $29.
Cheapest Company for Full-Coverage Insurance: USAA
Full-coverage car insurance offers more protection than liability-only policies. Full coverage typically includes liability, collision, and comprehensive coverage, which pays for your vehicle repairs or replacement after an accident or non-collision incident. It also costs more than liability coverage.
Generally, full coverage is optional, but if you finance or lease your car, your lender will often require you to purchase it. The table below highlights the cheapest car insurance companies in Springfield for full coverage, according to our analysis.
| Company | Average Monthly Premium |
|---|---|
| USAA | $52 |
| State Farm | $61 |
| Allstate | $83 |
| GEICO | $90 |
| American Family | $103 |
USAA is the cheapest insurer in Springfield for full-coverage insurance, with an average monthly premium of $52.
Compare Springfield Auto Insurance Rates by Driving Record
Your driving record significantly affects your car insurance rates because it helps insurers determine the type of driver you are. Drivers with clean driving records tend to pay the cheapest rates.
But if you have multiple speeding tickets on your driving record, insurers will consider you more likely to get into an accident and file a claim and will charge you higher premiums to account for that risk.
The table below shows how much Springfield drivers pay for car insurance based on their driving record, as well as the cheapest insurer for each type of driver.
| Driving Record | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $97 | USAA | $29 |
| Speeding ticket | $141 | USAA | $38 |
| At-fault accident | $144 | USAA | $39 |
| DUI | $163 | USAA | $47 |
Let’s see how different driving infractions can affect your car insurance rates.
Cheapest car insurance in Springfield after a ticket: USAA
Even one speeding ticket can cause your rates to go by 31%, according to Compare.com data. Speeding, along with other traffic violations, tells insurers that you’re not a safe driver, so companies increase your rates to make up for the added risk of insuring you.
USAA is the cheapest company for Springfield drivers with a speeding ticket, at $38 per month.
Cheapest car insurance in Springfield after an accident: USAA
Getting into an at-fault accident almost always results in a rate increase from your insurer, and the average driver experiences a 34% increase, according to Compare.com data. An at-fault accident indicates to insurance companies that you’re not a reliable driver and are likely to get into accidents in the future, so companies raise your rates to compensate for the added risk.
USAA offers the lowest average rate for Springfield drivers with an at-fault accident, at $39 per month.
Cheapest car insurance in Springfield after a DUI: USAA
Driving under the influence (DUI) is a serious traffic violation that leads to much higher rates and also likely a license suspension. After a DUI, insurance rates increase by an average of 50%, according to Compare.com data.
USAA is the cheapest auto insurer in Springfield for drivers with a DUI, with an average monthly premium of $47.
Compare Springfield Auto Insurance Rates by Age
Your age is one of many factors that affect your car insurance rates. Insurance companies consider younger drivers with less experience more risky than older drivers because young drivers have a higher likelihood of getting into car accidents. But rates decrease as you age.
The table below shows how much the different age groups pay for car insurance and the cheapest insurance company for each group.
| Age Group | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $179 | USAA | $49 |
| 20s | $130 | USAA | $36 |
| 30s | $92 | USAA | $27 |
| 40s | $79 | USAA | $25 |
| 50s | $70 | USAA | $22 |
| 60s | $64 | State Farm | $24 |
| 70s | $69 | State Farm | $23 |
In the following sections, we’ll discuss the cost of car insurance for teens and seniors.
Cheapest car insurance for Springfield teens: USAA
Insurance costs are more expensive for teens because they’re more likely to speed and cause accidents. Young drivers have a fatal crash rate nearly three times higher than drivers older than 20 years old, according to the Centers for Disease Control and Prevention (CDC).
USAA offers the cheapest car insurance rates for teens in Springfield, with an average monthly premium of $49.
Cheapest car insurance for Springfield seniors: State Farm
As you get older and approach retirement age, you enjoy some of the cheapest car insurance rates. Senior drivers have decades of experience behind the wheel and are typically more cautious. This results in insurers offering them affordable rates because there’s a lower risk of filing a claim.
State Farm offers the cheapest car insurance rates for senior drivers, with average rates around $23 per month for drivers in their 60s and 70s.
Missouri Auto Insurance Requirements
Missouri state laws require drivers to have the minimum amount of liability insurance to legally drive in the state. Every driver must have the following coverage limits:
- $25,000 in bodily injury liability insurance per person
- $50,000 in bodily injury liability insurance per accident
- $10,000 in property damage liability insurance per accident
You must also have uninsured motorist coverage with limits of $25,000 per person and $50,000 per accident. You can learn more about Missouri’s auto insurance requirements on the Missouri Department of Insurance website.
How to Get Cheaper Car Insurance in Springfield
You can save money on car insurance in Springfield in numerous ways. Consider the following tips to save on your monthly premiums.
- Apply for discounts. Just about every insurance company offers auto insurance discounts. Ask your insurer about what you qualify for and add them to your policy — doing so can save you hundreds.
- Increase your deductible. Consider increasing your deductible (the portion you pay when you file a claim). It can save you on premiums each month, but just make sure you can afford the extra costs if you file a claim.
- Bundle your policies. Consider bundling your auto insurance with home insurance or renters insurance from the same company. In many cases, insurers offer hefty discounts for this.
- Compare quotes. Always compare car insurance quotes from multiple insurance companies before buying a policy. This is one of the best ways to save money on an auto policy.
Get Quotes from Top Auto Insurers in Minutes
Springfield Auto Insurance FAQs
Want to learn more about buying auto insurance in Springfield? Here are answers to some of the most commonly asked questions about Springfield car insurance, to help you find the right price.
Which company has the cheapest car insurance in Springfield?
USAA has the cheapest car insurance in Springfield, with an average rate of $40 per month, according to Compare.com data.
How much is car insurance in Springfield?
The average cost of car insurance in Springfield is $147 per month, according to Compare.com data. Drivers pay $97 per month for liability coverage and $197 per month for full coverage.
How much car insurance is required in Missouri?
Drivers in Missouri must have $25,000 in bodily injury liability insurance per person, $50,000 in bodily injury liability per accident, and $10,000 in property damage liability per accident. They also must have $25,000 per person and $50,000 per accident in uninsured motorist coverage.
What happens if you get caught driving without insurance in Springfield?
Driving without insurance in Springfield can lead to several penalties, including the state adding four points to your driving record. You can lose your driving privileges if you get eight points in 18 months.
For the first offense, you’ll need to pay a $20 reinstatement fee. You’ll lose your license for 90 days and pay a $200 reinstatement fee for the second offense. For the third offense, you’ll lose your license for a year and pay a $400 reinstatement fee.
What is the cheapest full-coverage car insurance in Missouri?
GEICO is the cheapest full-coverage car insurance in Missouri, with an average rate of $98 per month, according to Compare.com data.
Data Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Sources
- Missouri Department of Insurance, “Automobile Insurance,” accessed May 9, 2024.
- Insurance Information Institute, “What determines the price of an auto insurance policy?,” accessed May 9, 2024.
- Centers for Disease Control, “Teen Drivers and Passengers: Get the Facts,” accessed May 9, 2024.
- J.D. Power, “2023 U.S. Auto Insurance Study,” accessed May 9, 2024.
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