Best Cheap Auto Insurance in Springfield, MO (2021)

The average Springfield, MO auto insurance rates are $275 per month. The minimum auto insurance in Springfield is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Springfield, Missouri, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Springfield, MO for senior drivers are $1,824 per year
  • The average commute length in Springfield is 18.2 minutes
  • The minimum auto insurance required in Springfield, Missouri is 25/50/25

Springfield, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Springfield can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Springfield, Missouri, including driving record, credit, commute time, and more.

Compare auto insurance in Springfield to other Missouri cities, including St. Louis auto insurance rates, Kansas City auto insurance rates, and Columbia auto insurance rates to see how Springfield, Missouri auto insurance rates stack up.

Before you buy Springfield, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Springfield, Missouri auto insurance quotes.

Minimum Auto Insurance in Springfield, Missouri

Springfield, Missouri auto insurance laws require that you have at least the Missouri minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Springfield, Missouri.

Minimum Required Auto Insurance Coverage in Springfield, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Springfield, Missouri Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Springfield, Missouri are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Springfield, Missouri

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,703 $2,609 $2,443 $2,519 $7,672 $8,318 $2,571 $2,647
American Family $2,187 $2,187 $1,949 $1,949 $6,053 $7,864 $2,187 $2,552
Farmers $2,291 $2,282 $2,037 $2,165 $9,818 $10,173 $2,609 $2,712
GEICO $1,651 $1,860 $1,290 $1,691 $5,357 $5,626 $1,494 $1,479
Liberty Mutual $2,559 $2,771 $2,106 $2,364 $9,132 $10,145 $2,690 $2,859
Nationwide $1,525 $1,549 $1,373 $1,444 $3,968 $5,044 $1,750 $1,883
Progressive $2,093 $1,897 $1,718 $1,778 $7,340 $8,200 $2,535 $2,535
State Farm $1,740 $1,740 $1,584 $1,584 $5,324 $6,682 $1,964 $2,247
USAA $1,556 $1,542 $1,404 $1,428 $4,603 $5,620 $1,932 $2,146

Cheap Springfield, Missouri Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Springfield, Missouri is a challenge. Take a look at the annual teen auto insurance rates in Springfield, Missouri.

Annual Auto Insurance Rates for Teen Drivers in Springfield, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,672 $8,318
American Family $6,053 $7,864
Farmers $9,818 $10,173
GEICO $5,357 $5,626
Liberty Mutual $9,132 $10,145
Nationwide $3,968 $5,044
Progressive $7,340 $8,200
State Farm $5,324 $6,682
USAA $4,603 $5,620

Cheap Springfield, Missouri Auto Insurance for Seniors

What are senior auto insurance rates in Springfield, Missouri? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Springfield, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,443 $2,519
American Family $1,949 $1,949
Farmers $2,037 $2,165
GEICO $1,290 $1,691
Liberty Mutual $2,106 $2,364
Nationwide $1,373 $1,444
Progressive $1,718 $1,778
State Farm $1,584 $1,584
USAA $1,404 $1,428

Cheap Springfield, Missouri Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Springfield, Missouri compared to the annual auto insurance rates with a clean record in Springfield, Missouri.

Annual Springfield, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,362 $3,805 $4,755 $3,818
American Family $2,510 $3,630 $4,453 $2,871
Farmers $3,666 $4,602 $4,496 $4,279
GEICO $1,947 $2,593 $3,558 $2,126
Liberty Mutual $3,139 $4,523 $4,647 $5,004
Nationwide $1,799 $2,337 $3,152 $1,979
Progressive $3,001 $4,122 $3,362 $3,563
State Farm $2,605 $3,111 $2,858 $2,858
USAA $2,029 $2,462 $3,409 $2,217

Cheap Springfield, Missouri Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Springfield, Missouri is not easy. Compare the annual rates for DUI auto insurance in Springfield, Missouri to find the best deal.

Annual Auto Insurance Rates After a DUI in Springfield, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,755
American Family $4,453
Farmers $4,496
GEICO $3,558
Liberty Mutual $4,647
Nationwide $3,152
Progressive $3,362
State Farm $2,858
USAA $3,409

Cheap Springfield, Missouri Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Springfield, Missouri annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Springfield, Missouri

Insurance Company Poor Fair Good
Allstate $5,423 $3,496 $2,886
American Family $4,400 $3,093 $2,605
Farmers $4,850 $4,066 $3,866
GEICO $3,526 $2,300 $1,842
Liberty Mutual $6,193 $3,800 $2,992
Nationwide $2,722 $2,264 $1,965
Progressive $4,060 $3,372 $3,104
State Farm $4,017 $2,528 $2,029
USAA $4,206 $1,968 $1,413

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Cheap Springfield, Missouri Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Springfield, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in Springfield, Missouri to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Springfield, Missouri

ZIP Code Average Annual Rates
65802 $2,716
65803 $2,675
65804 $2,680
65806 $2,827
65807 $2,644
65809 $2,788
65810 $2,675
65897 $2,746

Cheap Springfield, Missouri Auto Insurance Rates By Commute

Commute length and annual mileage affect Springfield, Missouri auto insurance. Find the cheapest annual Springfield, Missouri auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Springfield, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,935 $3,935
American Family $3,333 $3,399
Farmers $4,261 $4,261
GEICO $2,511 $2,601
Liberty Mutual $4,328 $4,328
Nationwide $2,317 $2,317
Progressive $3,512 $3,512
State Farm $2,786 $2,930
USAA $2,437 $2,620

Cheap Springfield, Missouri Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Springfield, Missouri? Check out the comparison of annual Springfield, Missouri auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Springfield, Missouri

Insurance Company Low Medium High
Allstate $3,782 $3,927 $4,097
American Family $3,256 $3,472 $3,370
Farmers $3,961 $4,216 $4,606
GEICO $2,360 $2,582 $2,726
Liberty Mutual $4,069 $4,352 $4,564
Nationwide $2,162 $2,342 $2,446
Progressive $3,027 $3,522 $3,987
State Farm $2,635 $2,870 $3,069
USAA $2,414 $2,520 $2,654

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Best By Category: Cheapest Auto Insurance in Springfield, Missouri

Compare the cheapest auto insurance companies in Springfield, Missouri in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Springfield, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors Nationwide
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

The Cheapest Springfield, Missouri Auto Insurance Companies

What auto insurance companies in Springfield, Missouri are the cheapest? Compare the top Springfield, Missouri auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Springfield, Missouri

Insurance Company Average Annual Rates
Allstate $3,935
American Family $3,366
Farmers $4,261
GEICO $2,556
Liberty Mutual $4,328
Nationwide $2,317
Progressive $3,512
State Farm $2,858
USAA $2,529

What affects auto insurance rates in Springfield, Missouri?

There are a lot of reasons why auto insurance rates in Springfield, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Springfield, Missouri. Many local factors may affect your Springfield auto insurance rates.

Springfield Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Springfield, Missouri commute length is 18.2 minutes according to City-Data.

Springfield Traffic

How does Springfield, Missouri rank for traffic? According to Inrix Springfield, Missouri is the 830th most congested worldwide.

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Compare Springfield, Missouri Auto Insurance Quotes

Before you buy Springfield, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Springfield, Missouri auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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