Cheapest Car Insurance In Springfield, MO 2026
USAA offers the cheapest liability-only car insurance in Springfield, with an average rate of $39 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When scouring for the cheapest car insurance in Springfield, MO, the options can vary greatly.
For those seeking the cheapest liability-only coverage, USAA emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that State Farm offers the best rates for full coverage policies. While GEICO offers the cheapest car insurance rates for young drivers.
Key Takeaways
Springfield’s cheapest liability-only car insurance company is USAA.
Car insurance in Springfield costs an average of $107 per month.
To get the lowest rates, shop around and compare quotes from multiple carriers.
Cheapest Liability-Only Car Insurance In Springfield – USAA
USAA is the cheapest car insurance company for minimum coverage car insurance in Springfield, with an average monthly cost of $39.
Use the table below to compare rates across different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $42 | $504 |
| GEICO | $47 | $564 |
| Progressive | $53 | $636 |
| State Farm | $45 | $540 |
| USAA | $39 | $468 |
Cheapest Full Coverage Insurance In Springfield – State Farm
State Farm has the cheapest car insurance rates for full coverage. Their quotes average $113 a month in Springfield.
The table below compares average auto insurance quotes from affordable insurers in Springfield.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $132 | $1,584 |
| Auto-Owners | $116 | $1,392 |
| GEICO | $123 | $1,476 |
| Progressive | $127 | $1,524 |
| State Farm | $113 | $1,356 |
Cheapest Car Insurance For Senior Drivers – Auto-Owners
Auto-Owners offers the cheapest car insurance policy for seniors in Springfield, at an average rate of $84 a month.
The below table shows average quotes from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $84 | $1,008 |
| GEICO | $87 | $1,044 |
| Progressive | $92 | $1,104 |
| State Farm | $89 | $1,068 |
| Travelers | $90 | $1,080 |
Cheapest Car Insurance In Springfield For Teenagers – GEICO
Teenage drivers in Springfield can find the cheapest quotes from GEICO, with average monthly premiums of $268.
The table below shows the companies with the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $268 | $3,216 |
| Nationwide | $283 | $3,396 |
| Progressive | $296 | $3,552 |
| Shelter | $311 | $3,732 |
| State Farm | $276 | $3,312 |
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Cheapest Car Insurance In Springfield After A Speeding Ticket – Auto-Owners
Auto-Owners offers the cheapest car insurance in Springfield, with average rates of $122 a month for drivers who have a speeding ticket on their record.
You can use the table below to find average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $122 | $1,464 |
| GEICO | $128 | $1,536 |
| Progressive | $136 | $1,632 |
| State Farm | $126 | $1,512 |
| Travelers | $132 | $1,584 |
Cheapest For Drivers With After At-Fault Accident – USAA
USAA offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $123 per month.
Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $137 | $1,644 |
| GEICO | $132 | $1,584 |
| Progressive | $146 | $1,752 |
| State Farm | $128 | $1,536 |
| USAA | $123 | $1,476 |
Cheapest Rates In Springfield For Drivers After A DUI – State Farm
State Farm offers the cheapest rates for drivers after a DUI in Springfield, with average monthly premiums of $163.
Drivers in Springfield with a DUI can find the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farmers | $168 | $2,016 |
| GEICO | $182 | $2,184 |
| Progressive | $190 | $2,280 |
| Shelter Insurance | $174 | $2,088 |
| State Farm | $163 | $1,956 |
Best Car Insurance Companies In Springfield
Drivers in Springfield can find the most affordable insurance with USAA for $116 a month. Springfield drivers might want to also consider GEICO at $123 a month, or Auto-Owners at $126 per month.
Shown below are the top 10 car insurance companies in Springfield, MO, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Allstate | $146 |
| American Family | $132 |
| Auto-Owners | $126 |
| Farmers Insurance | $141 |
| GEICO | $123 |
| Liberty Mutual | $152 |
| Nationwide | $136 |
| Progressive | $143 |
| State Farm | $128 |
| USAA | $116 |
Average Car Insurance Cost In Springfield
Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.
According to our latest research, the average cost of car insurance in Springfield is $107 per month, compared to the Missouri state average of $168, and the national average of $178 per month.
| Area | Average Monthly Rate |
| National | $178 |
| Missouri | $168 |
| Springfield | $107 |
Average Auto Insurance Rates In Springfield – By Age
Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $5,157 per year for car insurance.
As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $5,157 |
| 20s | $2,219 |
| 30s | $1,991 |
| 40s | $1,898 |
| 50s | $1,816 |
| 60s | $1,753 |
| 70s | $1,878 |
Average Car Insurance Rates In Springfield – By Vehicle
The type of vehicle you own plays a significant role in determining your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
You can use the table below to find average rates in Springfield for different vehicles.
| Vehicle | Average Monthly Rate |
| Chevrolet Equinox | $188 |
| Ford Ranger | $198 |
| Honda Accord | $182 |
| Jeep Cherokee | $194 |
| Toyota Prius | $191 |
Find Affordable Springfield Rates
Average Cost Of Auto Insurance In Springfield – By Zip Code
Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.
You can use the table below to find average insurance rates for different zip codes in Springfield.
| Zip Code | Average Monthly Rate |
| 65802 | $139 |
| 65804 | $132 |
| 65807 | $137 |
| 65803 | $142 |
| 65806 | $134 |
How Much Is Car Insurance In Other Cities In Missouri?
The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.
For example, drivers in St. Louis can expect to pay around $166 per month for car insurance, while residents of Jefferson City pay an average rate of $139 per month.
| City | Average Monthly Rate |
| Independence | $147 |
| Jefferson City | $139 |
| Joplin | $141 |
| St. Louis | $166 |
FAQs
Who has the lowest car insurance rates in Springfield?
The lowest car insurance rates in Springfield are offered by USAA for the minimum coverage required by the State of Missouri and State Farm for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Springfield?
The average cost of car insurance in Springfield is about $107 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Springfield, MO.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.
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