Car Insurance in Springfield, MO
- Travelers offers the cheapest car insurance in Springfield at $111/mo.
- Compare and save on auto insurance in or near Springfield, MO with The Zebra.
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About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
How much does car insurance cost in Springfield, MO?
Full coverage car insurance in Springfield averages $1,058 ($176 per month), cheaper than the average premium in Missouri ($1,134).[1] However, 32% of our customers in Springfield feel they're paying too much for their car insurance premium.
If you're part of that 32%, Travelers is the cheapest full coverage option for most drivers at $111 per month. For minimum liability coverage, GEICO has the lowest average rates at $35 per month.
- Springfield car insurance is slightly less expensive than average compared to the US average.
- Travelers offers the cheapest full coverage rates in Springfield at $111/mo. For minimum liability coverage, GEICO is the cheapest option at $35/mo.
- An at-fault accident in Springfield can cause rate hikes of up to $706 on a 6-month full coverage policy.
Cheap liability and full coverage auto insurance in Springfield, MO
Insurance shoppers in Springfield have two notably different price points to consider in 2026. Travelers has the lowest average full coverage premium, at about $111 per month, while GEICO offers Missouri's required minimum coverage for approximately $35 per month. USAA may also be a competitive choice for military members and families who meet its eligibility requirements.
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Approximately 42% of drivers in Missouri opt to carry only the minimum liability coverage required by law. While mininmum coverage is cheaper than full coverage, it can be riskier, especially given Springfield's higher than average uninsured driver rate and traffic congestion.[2] Increasing limits or adding full coverage for your own car will provide more financial protection.
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Why is car insurance in Springfield, MO so expensive?
In 2026, Springfield car insurance is slightly less expensive than average for the US due to a combination of local weather risks, traffic congestion, and accident frequency. As insurers pay more for vehicle repairs, medical claims, and other losses, those increased costs are often reflected in the rates drivers pay.
1. Weather
Springfield's location in the Ozarks exposes drivers to a wide range of weather hazards throughout the year. Severe thunderstorms, large hail, damaging winds, flash flooding, and occasional winter ice storms can all damage vehicles and create dangerous driving conditions. These weather-related events often lead to more comprehensive and collision claims, contributing to higher car insurance premiums over time.
2. Traffic
As southwest Missouri's largest city, Springfield experiences heavy traffic on I-44, US-65, James River Freeway (US-60), and Glenstone Avenue. Daily commuter traffic, commercial vehicles, and busy retail corridors increase congestion and the likelihood of collisions. More frequent accident claims can contribute to higher insurance costs, which may be reflected in local car insurance premiums.
3. Uninsured Drivers
40% (higher than average for the state) of Springfield drivers are uninsured. US-65 carries everyone from daily commuters to travelers headed toward the Ozarks, and a collision with a driver who has no insurance can leave the other party’s coverage footing the bill. As insurers take on more of these expenses, the cost can be reflected in what Springfield drivers pay for car insurance.
"In my experience, a lot of farm-use vehicles are older trucks that are mainly used around the property or for local trips. Because of that, many customers choose liability-only coverage to keep costs down, especially if the truck isn't worth much. I always ask how the vehicle is actually being used, because that determines whether a personal auto policy is enough or if they may need a different type of coverage. It's important to make sure the policy matches how the vehicle is used so there aren't any surprises if a claim happens."
-Amber Vigil, Licensed Agent and Manager at The Zebra
Car insurance rates after an accident in Springfield, MO
In Springfield, an at-fault accident can raise your car insurance by $706 for a 6-month policy. Keeping a clean driving record is the best way to avoid increases.
Premiums can go up after multiple violations such as accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
Source: The Zebra
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Missouri drivers in and near Springfield saved money on car insurance recently using The Zebra:
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Drivers in Glasgow, MO are getting smart deals on Toyota RAV4 coverage from Liberty Mutual.
Our licensed agents guided a driver in Villa Ridge, MO to find this smart deal on their Mazda Mazda3 with National General.
Our licensed agents guided a driver in Osceola, MO to find this smart deal on their Dodge Dart with Root Insurance.
Our licensed agents guided a driver in Willow Springs, MO to find this smart deal on their Dodge Dakota with Dairyland Insurance.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Springfield, MO car insurance FAQs:
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra.
Anonymized User Surveys. The Zebra.
What Springfield Drivers Want to Know About Car Insurance
What happens if you hit your own car in your driveway?
Why do I need a home inspection for coverage?
Who really handles my claim, my agent or National General?
Claims that would be covered under a HO3 and not covered HO2?
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.
