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What's the average cost of car insurance in Springfield?
Car insurance costs an average of $1,667 per year in Springfield, Missouri. That's cheaper than the average in Missouri ($1,736) and more expensive than the national average of $1,548. Our guide to car insurance in Springfield — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
CAR INSURANCE RATES IN SPRINGFIELD
|Springfield Average (yearly)||Missouri Average||National Average|
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The difference in auto insurance rates from company to company can be substantial. For a typical driver, State Farm offers Springfield's most affordable premiums. See below the best options for affordable auto insurance in Springfield. Don't forget to get car insurance quotes based on your driving profile.
SPRINGFIELD CAR INSURANCE RATES BY COMPANY
|Company||Average Yearly Rate|
The age group that pays the least for car insurance in Springfield are drivers in their 50s ($1,383 per year). Those in their 60s don't pay significantly more ($1,402).
Young drivers aged 16 to 19 pay the most for car insurance in Springfield. One of the most effective ways to get cheaper car insurance rates as a driver in Springfield is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Springfield is $4,143, the largest such difference between any two age brackets.
SPRINGFIELD CAR INSURANCE RATES BY DRIVER AGE
|Age||Average Annual Rate|
In some cases, a driver's marital status and gender may affect their car insurance rates. In Springfield, married drivers pay $155 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Springfield, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can affect auto insurance rates. In Springfield, female drivers pay $16 per year more than do male drivers.
SPRINGFIELD AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Springfield drivers found guilty of reckless driving face insurance rate increases of $620 per year, compared to the citywide average. A DUI violation may lead to a $616 increase, while a citation for speeding leads to a $382 rate hike.
AVERAGE SPRINGFIELD INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$2,276|
|At-fault Accident (damages greater than $2,000)||$2,504|
|Speeding Ticket (16-20 mph over speed limit)||$2,048|
It's no secret credit score is closely correlated with auto insurance rates. Springfield drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 66% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Springfield, improving your credit to "Fair" could help you earn a $1,691 decrease in annual car insurance rates.
SPRINGFIELD CAR INSURANCE RATES BY CREDIT SCORE
|Credit Tier||Average Yearly Rate|
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.