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Cheap Car Insurance Springfield, MO

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Key takeaways

  • In Springfield, Missouri, the average annual cost of car insurance is $1,679.
  • State Farm offers the most affordable premiums for the typical motorist in Springfield.
  • Young drivers in Springfield between the ages of 16 and 19 pay the highest rates for car insurance.
  • In Springfield, widows' insurance rates are less expensive than single people's premiums.

How much does insurance cost in Springfield?

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 rates v/s Missouri v/s National Average

Springfield Average(annual) Missouri Average United States Average
$1678 $1748 $1557

Springfield auto insurance premiums by Company

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

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Springfield auto insurance premiums by Age Group

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.

Age Average Annual Premium
Teens $6,413
20s $2,270
30s $1,627
40s $1,509
50s $1,395
60s $1,414
70s $1,720

Springfield auto insurance premiums by Marital Status

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

Springfield auto insurance premiums by Gender

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

Springfield auto insurance premiums by Driving Record

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

Springfield auto insurance premiums by Credit Rating

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

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Springfield auto insurance premiums by Zip Code

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

What would increase your car insurance rates in Springfield?

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 Statistics in Springfield

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

Tips for driving in Springfield, Missouri

  • Reduce distractions- Reducing or eliminating them will help keep your young driver and their passengers safe. But, unfortunately, it's also no secret that technology contributes significantly to distracted driving and can result in accidents.
  • Maintain a safe speed and distance- It is crucial that drivers are aware of what is behind and surrounding their cars. Make sure you understand and check blind spots whenever you change lanes and use their rearview and door mirrors every 15 to 30 seconds to react to risks immediately.
  • Respect traffic signs- This may seem straightforward, and it is. Obey the posted speed limit. At a stop sign, come to a complete stop - only park where it is legal to do so. Your trip will be far less stressful, and receive fewer tickets if you follow the traffic signs.

Auto Insurance Data Methodology

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

FAQs

How much is car insurance in Springfield, Missouri?

In Springfield, Missouri, the average annual cost of car insurance is $1,679.

How to get cheap car insurance in Springfield?

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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Learn more by city and state for car insurance




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