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Ava Lynch

Insurance Analyst

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  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

What's the average cost of car insurance in Springfield?

Car insurance costs an average of $883 every six months in Springfield, Missouri. That's cheaper than the average in Missouri ($868) and more expensive than the national average of $880. 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, and other factors in Springfield. Read on to learn more!

 
 
Car insurance in Springfield vs. Missouri Average 6 Mo. Premium
Springfield average $883
Missouri average $868

The Zebra's key takeaways about car insurance in Springfield:

  • The average cost of a car insurance policy in Springfield is $833 per six-month policy — $138 per month.
  • The cheapest company in Springfield is State Farm ($581).
  • 32% of Zebra customers in Springfield stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Springfield car insurance rates by company

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 unique driving profile.

Cheap auto insurance in Springfield, MO
Company Average Six-month Rate
State Farm $581
GEICO $774
Progressive $799
American Family $806
Farmers $858

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Springfield.

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Springfield car insurance premiums by age

Our data shows that drivers between the ages of 20-29 make up 34% of Springfield drivers. The age group that pays the least for car insurance in Springfield are drivers in their 50s ($691 per six months). Those in their 60s don't pay significantly more ($701).

Teenage 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 bracket Avg. 6 Mo. Premium
Teens $3,200
20s $1,129
30s $807
40s $748
50s $691
60s $701
70s $854

Springfield car insurance rates by credit score

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. Our data tells us 41% of drivers in Springfield have a credit score of average (580-679). 

credit score
Springfield auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,871
Fair $1,026
Good $833
Very Good $728
Exceptional $627

Springfield auto insurance costs by violation history

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.

Springfield auto insurance rates after a violation
Violation Average Six-month Rate
DWI/DUI $1,141
Reckless Driving $1,143
At-fault Accident (damages < $1,000) $1,138
At-fault Accident (damages greater than $2,000) $1,252
Speeding Ticket (16-20 mph over speed limit) $1,024

Compare over 100 insurance companies at once!

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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 editorial 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.