Springfield, MO Car Insurance

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 AverageNational Average
$1,667$1,736$1,548

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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 driving profile.


SPRINGFIELD CAR INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
State Farm$1,163
GEICO$1,549
Progressive$1,599
American Family$1,612
Farmers$1,717

Consult our expert guide to finding the best cheap car insurance.



Springfield car insurance premiums by age

The age group that pays the least for car insurance in Springfield are drivers in their age_50s ($1,383per year). Those in their age_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
AgeAverage Annual Rate
Teens$6,401
20s$2,258
30s$1,615
40s$1,497
50s$1,383
60s$1,402
70s$1,708

Learn more about how age influences auto insurance rates.



Springfield auto insurance rates by marital status and gender


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/GenderAverage Yearly Rate
Female$1,683
Male$1,667
Single$1,513
Married$1,513
Divorced$1,618
Widowed$1,590

Read more about the relationships between gender, marital status and insurance rates.



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.


AVERAGE SPRINGFIELD INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage Yearly Rate
DWI/DUI$2,283
Reckless Driving$2,287
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

Get more info on how a bad driving history can impact your car insurance costs.



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.


SPRINGFIELD CAR INSURANCE RATES BY CREDIT SCORE
Credit TierAverage Yearly Rate
Very Poor$3,743
Fair$2,052
Good$1,667
Very Good$1,457
Exceptional$1,255

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.