Auto Insurance in Springfield, MO | Cheap Car Insurance in Springfield, MO

Springfield, MO auto insurance can be as low as $37/mo. Finding affordable auto insurance in Springfield, MO will be made easier by shopping around at all the auto insurance companies in Springfield, MO. Read our review and get auto insurance quotes in Springfield, MO today.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Are you in need of cheap auto insurance in Springfield, MO? With AutoInsuranceEZ.com, you’ll find the most affordable insurance premiums where you live. To acquire free insurance quotes for Springfield, MO auto insurance from the major providers immediately, input your ZIP code within the quote box here.

Citizens of Springfield can pay rates as low as $37 a month, far below the state average of $101. The companies that offer the best rates are State Farm, Allied, Allstate, and Cal Casualty. The minimum requirements for Springfield, MO auto insurance is 25/25/10, and collision and comprehensive are not required.

Springfield, Missouri, also known as the “Birthplace of Route 66”, is the third-largest metropolitan area in the state and has enjoyed a 5% growth in population since the year 2000. Historically home to the Cherokee Indian tribe before westerners settled the land, today Springfield has a thriving economy based on manufacturing, education, and retail.

Our review had everything you need to know to get cheap car insurance in Springfield, MO. From rates to requirements and laws, and everything in between, we've got you covered.

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Auto Insurance Coverage Requirements in Missouri

Driving legally in Springfield requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Because Missouri only requires motorists to hold mandatory Liability and Uninsured Driver Bodily Injuries coverage, it provides drivers the chance to save cash every month by only buying minimal insurance. But keep in mind these types of insurance do not cover you when you get into any sort of accident that was not your fault, in case your vehicle is broken by tornados, or maybe your automobile will get vandalized or stolen. You'll have to purchase additional coverage to safeguard against such occasions.

The typical average for Missouri motorists runs at approximately $101 monthly for insurance rates. However, savvy motorists in Springfield could possibly get rates as little as $37/mo* when they perform a good job shopping to find the best deal.

Average Monthly Auto Insurance PremiumsLegend: Springfield Allstate Allied Cal Casualty State Farm Safe Auto 51015202530354045$34$31$35$35$45

 

Allied, Cal Casualty, and State Farm car insurance in Springfield, MO are presently offering a few of the cheapest rates obtainable in the city. However, a minimal rate per month does not always mean great customer support or perhaps a smooth, easy-to-navigate claims process. Make certain you need to do lots of research in your company of preference prior to signing the contract.

Insurance providers contemplate different factors when figuring out insurance prices, particularly marital status, zip code, occupation, miles driven each year, and theft protection devices. On top of that, premiums differ from one company to another. To verify you are still being charged the best fee, evaluate low cost Springfield automobile insurance premiums on the internet.

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Major Car Insurance Factors in Springfield

Each time your automobile insurance provider sits down to write your plan, they take many factors under consideration. Many of these, such as credit history or perhaps your particular address, are generally impossible to improve. Some other variables are:

Your Zip Code

For most people, the most affordable vehicle insurance is normally associated with cities with a lower population density. Since there are a lesser number of cars cruising the road, there are a lot fewer opportunities to get into a significant crash with another driver. The population of Springfield is actually 164,122 plus the average family earnings are $30,445.

Auto Insurance by Zip CodeLegend: Kansas City St. Louis Columbia Independence Springfield Allstate Allied Cal Casualty State Farm Safe Auto 51015202530354045505560$40$46$33$42$34$42$44$29$36$31$42$47$28$36$35$44$49$28$37$35$59$63$45$56$45

Automotive Accidents

If you reside in a higher-traffic area well known for automobile accidents, chances are that the monthly rates will be affected by this danger by means of a greater payment. You can observe the fatal accident statistics for Springfield within the chart below. The amounts are extremely low in comparison with many areas, so companies in your area might instantly offer lower rates.

Fatal Accidents in Springfield, MOLegend: Springfield Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 5101520253035401321413422

 

Auto Thefts in Springfield

Obtaining low-cost automobile insurance can be tough should you be at risk for auto theft. Certain trendy car or truck models are alluring to thieves, in addition to cars or trucks which are left frequently in big metropolitan areas. The full amount of stolen vehicles in Springfield was 1,146 in 2013. Not only are these numbers on the rise, but they are quite high per capita also. Protect yourself and your vehicle by adding Comprehensive coverage to your insurance policy.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Allstate Allied Cal Casualty State Farm Safe Auto 1224364860728496108120$34$111$31$61$35$122$35$96$45$99

 

Your Credit Score

For many insurance providers, particularly the large national ones, getting a minimal credit rating means you will probably pay 50-70% greater rates every month. However, some local companies may provide coverage which has an affordable cost, no matter credit rating.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Allstate Allied Cal Casualty State Farm Safe Auto 10203040506070$33$48$27$42$27$59$27$64$40$72

 

Your Age

Research has proven that unskilled teenage motorists more frequently enter into many sorts of accidents compared to older grown-ups. Due to this, it is a lot more to buy automotive insurance for youthful motorists. If you're a teen, request your provider about Motorists Education or Good Student discount rates.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Allstate Allied Cal Casualty State Farm Safe Auto 255075100125150175200225250$34$93$31$127$35Do Not Sell$35$118$45$255

Your Driving Record

The greater violations you've got in your record, the greater your chances will be to file claims - that will lead your provider to ask you for more money. But when you've got a lot of citations, or commit a significant breach - like Drunk driving - you might lose your coverage altogether. Also, look around for Accident Forgiveness discount rates should you have only a couple of minor violations in your record.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Allied Cal Casualty State Farm Safe Auto 102030405060708090$34$39$45$49$31$44$99$49$35$41Do Not Sell$47$35$38$38$42$45$52$65$65

 

Your Vehicle

Costly luxury automobiles are not just more to insure simply because they are more expensive to repair. Chances are that you are likely to wish to safeguard such a costly vehicle with a lot more insurance coverage. And also the more coverage you purchase, the greater you'll have to pay in rates.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Allied Cal Casualty State Farm Safe Auto 153045607590105120135$34$142$31$60$35$137$35$122$45$116

Minor Car Insurance Factors in Springfield

Surprisingly, most people don't know (or aren't aware of how exactly) the following factors can influence their rates each month:

Your Marital Status

If you're a part of a couple, there's great news: it can save you cash on your automotive insurance plans should you bundle them together. As people, however, you will not save greatly being married versus having a single status.

Your Gender

Insurance provider data implies that there really is not a large improvement in risk in one gender to another. Most major companies don't even charge different rates according to gender any longer. However, the couple of firms that still do only charge in regards to a 2-3% difference. And whether that difference punishes males or women largely is dependent on the organization supplying the insurance policy.

Your Driving Distance to Work

Springfield is renowned for its delightfully short commute times, which can also help you find the cheapest auto insurance. A typical commute should only last 12-18 minutes, on average. Nearly 75% of motorists will drive their own car, while anywhere from 3% to 13% prefer to carpool.

For those who have your automobile for registration on your insurance plan like a business vehicle, you will probably pay around 10% more, no matter how frequently you drive every year. Total miles driven, along with your purpose on the highway (work/school/pleasure) will not change your monthly rates by greater than 1-2%.

Your Coverage and Deductibles

Clearly, somebody that only buys the state minimum mandatory coverage pays less monthly than the usual driver with a lot more coverage with their policy. If you think you'll need greater than the required minimum coverage, but don't wish to pay costly rates every month, try raising your deductible. This is particularly economical for safe motorists that do not anticipate a necessity to file for multiple claims.

Education in Springfield, MO

Right around 30% of all Springfield motorists have achieved a high school diploma or some qualifying equivalent. Another 17% have at least one year or more of college experience. For those drivers looking to lower their vehicle insurance rates and earn an advanced degree, you can kill two birds with one stone by continuing your education. Providers often offer better deals to highly educated motorists, regardless of your job or how much you make each year.

There are a plethora of choices when it comes to obtaining a higher education in Springfield. Possibly the most famous institution is Missouri State University, which is ranked #2 in the state for size and has recently received honors from The Princeton Review. There is also the Ozarks Technical Community College, Evangel University, or the University of Phoenix.

Locating affordable automobile insurance can easily be a hassle. There’s a lot of important information to take into account, and determining the way in which insurance companies examine your potential risk can be challenging. But don’t permit the wrong insurance agency talk you into buying the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

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