Springfield, MO Car Insurance

The Zebra
July 25, 2019

Car Insurance in Springfield

Premiums in Springfield are relatively equivalent to Missouri's rates, as its premiums are within $57 of the state average. Why don't we take a look at how to save on car insurance in Springfield?

  • City Average: $1,277
  • State Average: $1,334
  • National Average: $1,427

Springfield Car Insurance by Gender and Marital Status

In Springfield, many driver traits, including gender and marital status, play a role in car insurance premiums. Being single can cost you an average of 6% more per year compared to being married. Rates for those who are widowed or divorced are marginally cheaper than rates for those who are single. Luckily for men, their premiums tend to be 1% cheaper than for women.

  • Female: $1,293
  • Male: $1,277
  • Single: $1,277
  • Married: $1,204
  • Divorced: $1,250
  • Widowed: $1,259

Springfield Car Insurance by Credit Rating

Improving your credit can save you a sizable sum of money. Those in the bottom credit tier (300-579) pay an average of $1,761 more every year for car insurance than those in the top credit tier (800-850). Drivers will see the largest percent reduction in premiums when they raise their credit from Fair (580-669) to Good (670-739). That change can save them 22% per year.

  • Very Poor: $2,838
  • Fair: $2,247
  • Good: $1,749
  • Very Good: $1,368
  • Exceptional: $1,077

Springfield Car Insurance by Age

With typical rates of $5,121, teenage drivers pay the most in car insurance premiums. Looking across all age groups, drivers in their 50s tend to have the lowest car insurance payments. Their rates generally average $1,082 per year. However, people in their 60s ($1,099) aren’t paying significantly more. The largest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Springfield start paying $3,332 less in premiums. In Springfield, turning 60 means an increase in insurance rates. Up until then, progressing between age groups means decreasing prices.

  • Teenagers: $5,121
  • 20s: $1,789
  • 30s: $1,248
  • 40s: $1,175
  • 50s: $1,082
  • 60s: $1,099
  • 70s: $1,335

Springfield Car Insurance by Accident or Violation History

By knowing which driving mishaps can make your insurance rates spike, you can make better decisions and save money. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Accidents happen, even to safe drivers, so be prepared and learn how your rates can change after one. Being at-fault in an accident costs drivers an additional 46% per year in premiums compared to the city average. In Springfield, drivers with a DUI have rates 42% higher than the city average ($1,277). Reckless driving will bump your rates up as well, with typical rates of $1,791. That is 40% higher than the city average.

  • DUI: $1,809
  • Reckless Driving: $1,791
  • At-fault Accident (damages less than $1000): $1,865
  • At-fault Accident (damages greater than $2000): $1,865
  • Speeding Ticket (16-20 mph over speed limit): $1,606

Compare over 200 insurance companies at once!

Location pin icon
Your information is secure.