Key takeaways
The average annual cost of auto insurance in Springfield, Missouri, is $1,679. These rates are more expensive than the national average of $1,557 and less expensive than the average in Missouri ($1,748). According to factors like age, credit score, driving record, and marital status, the average premiums for car insurance in Springfield are in our guide. For additional details, continue reading.
| Springfield Average(annual) | Missouri Average | United States Average |
|---|---|---|
| $1678 | $1748 | $1557 |
Rates for auto insurance might vary significantly from one Company to another. State Farm has the most reasonable premiums in Springfield for the average driver. Find the best deals for Springfield auto insurance here.
| Company | Average Annual Premium |
|---|---|
| State Farm | $1,175 |
| Progressive | $1,610 |
| American Family | $1,624 |
Drivers in their 50s pay the least ($1,395 annually) for car insurance in Springfield. The cost ($1,414) is not considerably higher for those in their 60s.
In Springfield, young drivers between the ages of 16 and 19 pay the most for auto insurance. So celebrating your 20th birthday is one of the best strategies for drivers in Springfield to obtain lower auto insurance premiums.
The difference in cost between vehicle insurance premiums for drivers in their 20s and those still in their teens in Springfield is $4,143, making it the greatest difference between any two age groups.
A driver's marital status and Gender may occasionally impact the cost of their auto insurance. Married drivers in Springfield pay $155 less for auto insurance than single drivers. Evidence indicates they make fewer insurance claims, so married drivers often pay lower rates than their single counterparts.
Widower drivers also pay far less in rates than single people do. As a result, insurance premiums for widows in Springfield are less expensive than premiums for single people.
| Marital Status | Average Annual Premium |
|---|---|
| Single | $1,525 |
| Married | $1,525 |
| Divorced | $1,630 |
| Widowed | $1,602 |
Another element that may impact auto insurance premiums is Gender. For example, in Springfield, women drivers pay $16 more annually than men.
| Gender | Average Annual Premium |
|---|---|
| Female | $1,695 |
| Male | $1,679 |
Keep your driving record spotless if you want to keep the cost of your auto insurance low. At-fault incidents, DUIs and DWIs, reckless driving tickets, and speeding tickets frequently increase rates.
Driving drunk and careless driving are two of the most expensive tickets. Drivers convicted of reckless driving in Springfield will see an average annual insurance rate increase of $620. While a ticket for speeding results in a rate increase of $382, a DUI charge might result in a $616 rise.
| Incident/Violation | Average Annual Premium |
|---|---|
| DUI/DWI | $2,295 |
| Reckless Driving | $2,299 |
| At-fault Accident (damages less than $1,000) | $2,288 |
| At-fault Accident (damages greater than $2,000) | $2,516 |
| Speeding Ticket (16-20 mph over speed limit) | $2,060 |
It is no secret that credit score and auto insurance premiums are tightly associated. Springfield drivers can save as much as 66% on their auto insurance premiums by raising their credit score from "Very Poor" (300-579) to "Exceptional" (800-850).
Saving money on auto insurance requires moving from "Very Poor" to "Fair" credit. In Springfield, lowering your credit score to "Fair" might result in a $1,691 savings in your yearly auto insurance premiums.
| Credit Level | Average Annual Premium |
|---|---|
| Very Poor | $3,755 |
| Fair | $2,064 |
| Good | $1,678 |
| Very Good | $1,468 |
| Exceptional | $1,267 |
You could discover that the average cost of auto insurance varies by ZIP code in Springfield. For instance, you can lower your auto insurance rate if you stay in a safe and friendly environment with fewer accidents, uninsured drivers, and car thefts.
| Zip code | Average Annual Premium |
|---|---|
| 65807 | $1,163 |
| 65803 | $1,168 |
| 65802 | $1,181 |
Vehicle insurance companies consider many variables when determining how much to charge for coverage. The ones that affect your policy are redundant, but your residential address also affects additional factors.
These include local rules, auto accidents, and crime figures. When choosing to buy new insurance or considering a move, it can be useful to understand how these components are composed.
| Auto Theft | Auto Thefts (Per 1000s) |
|---|---|
| 2006 | 831 |
| 2007 | 944 |
| 2008 | 1029 |
| 2009 | 839 |
| 2010 | 1004 |
| 2011 | 974 |
| 2012 | 1051 |
| 2013 | 1146 |
| 2014 | 1315 |
| 2015 | 1125 |
| 2016 | 1648 |
| 2017 | 1969 |
| 2018 | 1470 |
| 2019 | 1684 |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
In Springfield, Missouri, the average annual cost of car insurance is $1,679.
When Way.com creates lists of vehicle insurance providers by pricing, various rating components, such as driving history, demographic data, and other considerations, are considered. It's important to remember that insurance companies compute premiums individually for each driver and evaluate each application. As a result, each insured has a different rate.
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