Cheapest Car Insurance Quotes In Springfield, MO For 2024

State Farm is the most affordable option in Springfield, offering an average rate of $37 per month.

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Updated: 01 April 2024
Written by
Bob Phillips
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When searching for the most affordable car insurance in Springfield, MO, options can vary, but State Farm stands out for its competitive rates. On average, residents can obtain car insurance for approximately $37 per month, significantly lower than the state’s average of $118.

For those seeking the most affordable liability-only coverage, State Farm is the top choice. Conversely, for drivers desiring more comprehensive protection, American Family offers the best rates for full coverage policies at $70 per month. Additionally, USAA provides the cheapest rates for young drivers, averaging $85 per month.

Cheapest Car Insurance Companies In Springfield, MO

Cheapest Car Insurance, Springfield, MO

Our Methodology

Leveraging a comprehensive analysis that considers various aspects such as customer service ratings, product options, pricing, and thorough evaluations from online review sites and user experiences, I've developed a detailed understanding of the car insurance landscape in Springfield, MO. This informed perspective stems from over 15 years of personal involvement in the industry as a licensed insurance agent. Through countless interactions with representatives from various companies and insights gained from firsthand experience, I've crafted an insightful view of the car insurance market in Springfield.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Springfield, MO?

State Farm provides the most affordable car insurance in Springfield, MO, with coverage available for $106 a month.

As illustrated in the table below, rates are notably lower than the average rates in both the State of Missouri and the United States as a whole:

Area Average Monthly Rate
National $152
Missouri $118
Springfield, MO $106

It’s important to note that the average national cost incorporates both high-cost states (such as New York, New Jersey, and California) and low-cost states (such as Mississippi, Kentucky, and Wyoming). Rates are subject to variation depending on various factors, including vehicle type, coverage amount, zip code, driving record, and more.

Cheapest Car Insurance Rates In Springfield For Minimum Coverage

State Farm offers the most affordable car insurance for minimum coverage in Springfield, with an average monthly cost of $37.

Provider Average Monthly Cost Average Annual Cost
State Farm $37 $439
Nationwide $42 $500
American Family $43 $514
GEICO $48 $574
Travelers $49 $581

The minimum car insurance policy should include at least the following coverage:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident

Having minimum car insurance offers some protection while driving, but it lacks collision or comprehensive coverage. This means damages to your own vehicle in accidents or incidents like theft and natural disasters aren’t covered.

Driving without insurance is illegal in Missouri. Failing to show proof of insurance during a traffic stop can lead to penalties ranging from fines to license suspension or worse.

Cheapest Car Insurance Rates In Springfield For Full Coverage

American Family offers the most affordable car insurance rates for full coverage in Springfield, with average quotes of $70 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $92 $1,286
GEICO $117 $1,402
American Family $70 $838
Progressive $110 $1,314
Kemper $225 $2,698

Full coverage car insurance provides comprehensive protection beyond the basic coverage mandated by law. It typically combines comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters. Collision coverage, on the other hand, provides financial protection for vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Springfield For Seniors

USAA offers the most affordable car insurance rates for seniors in Springfield, with average quotes of $50 per month.

Provider Average Monthly Cost Average Annual Cost
Allied $92 $1,102
Auto-Owners $88 $1,054
Farm Bureau $82 $982
USAA $50 $598
State Farm $62 $742

In Missouri, seniors may discover advantageous car insurance rates influenced by various beneficial factors. While age often affects insurance rate determinations and older age can be associated with decreased driving ability, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Springfield For Teenagers

Teenage drivers in Springfield can secure the most affordable quotes from USAA, with average monthly premiums of $118.

Provider Average Monthly Cost Average Annual Cost
Liberty Mutual $156 $1,870
State Farm $208 $2,494
Allstate $226 $2,710
USAA $118 $1,414
American Family $200 $2,398

Teenage drivers typically encounter the highest car insurance premiums due to their lack of experience behind the wheel. Insurance providers view these young drivers as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic infractions.

Cheapest Car Insurance Rates In Springfield For Young Adults

USAA provides the most affordable quotes for young adults in Springfield, with rates averaging around $85 per month.

Provider Average Monthly Cost Average Annual Cost
Clearcover $140 $1,678
Farm Bureau $158 $1,894
Allstate $162 $1,942
USAA $85 $1,018
State Farm $138 $1,654

In Missouri, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a decrease in risk-taking behaviors as drivers mature.

Statistically, young adults are less likely to file insurance claims, indicating a reduction in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Springfield For Good Drivers

Good drivers in Springfield can obtain the most affordable car insurance quotes from State Farm, typically around $37 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $37 $439
Nationwide $42 $500
American Family $43 $514
GEICO $48 $574
Travelers $49 $581

Drivers with clean driving records in Springfield usually receive lower car insurance rates because they’re seen as lower risk by insurance companies. Insurers use driving records to assess how safely a person drives. A record with fewer incidents, such as accidents or traffic violations, implies that the driver is cautious and less likely to file a claim.

Since insurers determine rates based on the likelihood of a driver making a claim, a flawless driving record can result in substantial savings on premiums. It all boils down to risk assessment – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Springfield For Drivers With Prior Incidents

In Springfield, drivers with records of traffic violations, such as accidents, speeding, or DUIs, often encounter challenges in obtaining affordable car insurance. These driving infractions lead insurance companies to classify them as high-risk individuals, expecting a greater likelihood of filing future insurance claims.

As a result, insurance providers increase their rates for these individuals to offset the risk of potentially higher claim payouts.

Cheapest Car Insurance Rates In Springfield For Drivers With A Speeding Ticket

State Farm stands out as an economical option compared to other insurance providers, offering average rates of $110 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $110 $1,318
Travelers $177 $2,122
Allstate $258 $3,094
GEICO $329 $4,012
American Family $147 $1,762

Cheapest Car Insurance Rates In Springfield For Drivers With An At-Fault Accident

State Farm provides the most affordable car insurance quotes for drivers with an at-fault incident, averaging $120 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $120 $1,438
Progressive $259 $3,106
Allstate $318 $3,814
GEICO $400 $4,897
American Family $213 $2,554

Cheapest Car Insurance Rates In Springfield For Drivers After A DUI

Progressive offers the most budget-friendly rates for drivers after a DUI incident, with an average monthly premium of $188 for Springfield residents.

Provider Average Monthly Cost Average Annual Cost
Progressive $188 $2,319
Travelers $224 $2,686
Shelter $210 $2,518
Geico $460 $5,518
Allstate $290 $3,478

Best Car Insurance Companies In Springfield

For drivers in Springfield, picking the best car insurance provider involves balancing affordable rates with dependable coverage while on the road. Listed here are the top 10 car insurance companies in Springfield, Missouri, sorted by the average monthly rate they provide.

Company Monthly Premium
Farm Bureau $109
Auto-Owners $136
Allied $140
American Family $145
USAA $64
Clearcover $102
Allstate $127
SAFECO $140
Cameron Mutual Group $144
State Farm $97

Average Car Insurance Rates By Age In Springfield

Age Average Yearly Rate
Teenagers $2,780
20s $1,800
30s $1,068
40s $1,032
50s $888
60s $924
70s $1,116

Age plays a crucial role in setting car insurance prices. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance costs because of their lack of experience and higher probability of accidents and traffic offenses based on statistical data. As drivers hit the age of 25, their insurance rates usually begin to drop, provided they maintain a clean driving history.

The most affordable insurance premiums are often offered to drivers in their 50s and early 60s. Insurance providers use age as a measure to assess driving expertise and potential risk, which affects the premium expenses.

Average Car Insurance Rates By Vehicle Type In Springfield

Vehicle Average Monthly Rate
Toyota Highlander $195
Hyundai Tucson $112
Ford Edge $213
Honda Cr-V $137
Dodge Journey $78

The vehicle you own plays a significant role in determining your car insurance expenses. Insurance companies consider factors such as the brand, model, year, and body style of your car. Typically, newer vehicles, especially luxury ones with advanced technology and higher replacement costs, tend to come with higher insurance premiums.

On the other hand, older cars or those that are cheaper to repair or replace may result in lower insurance rates. Insurers take these factors into account because they directly affect the potential expenses of claims – for example, repairs for a luxury car are generally more expensive than for a standard vehicle. Moreover, certain car models known for their safety features may qualify for reduced insurance rates due to a lower risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Missouri?

City Average Monthly Rate
Kansas City $134
Lees Summit $125
Rolla $90
Saint Charles $112
Ballwin $125
Blue Springs $123
Cape Girardeau $104
Columbia $102
Florissant $158
Independence $115

Your location greatly affects your car insurance rates. Insurance providers evaluate different aspects of your area, like the probability of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban settings. This heightened risk usually results in higher insurance premiums.

FAQs

Who has the lowest car insurance rates in Springfield?

State Farm provides the most affordable car insurance rates in Springfield for the minimum coverage mandated by the State of Minnesota, while American Family offers the lowest rates for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Springfield?

On average, car insurance in Springfield costs around $106 per month. However, rates can differ depending on factors such as your zip code, the year and model of your car, your driving history, and other relevant variables.

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