Cheapest Car Insurance In Springfield, MO 2024
In Springfield, State Farm offers the most affordable minimum coverage car insurance, averaging $46 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for low-cost car insurance in Springfield, MO, you’ll find that rates can differ significantly.
State Farm is the top pick for drivers who want the cheapest liability-only coverage. Allstate, however, offers the most competitive rates for full coverage, and young drivers will find the best deals with Travelers .
Cheapest Car Insurance Companies In Springfield, MO
Cheapest Liability-only Car Insurance In Springfield: State Farm
With an average cost of $46 per month, State Farm is the most affordable choice for minimum coverage car insurance in Springfield.
Use the table below to see how rates differ among insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $46 | $549 |
| Nationwide | $72 | $860 |
| Progressive | $47 | $563 |
| GEICO | $88 | $1,051 |
| AAA | $80 | $960 |
Cheapest Full Coverage Insurance Rates In Springfield: Allstate
With an average monthly rate of $99, Allstate provides the most affordable full coverage car insurance in Springfield.
Below is a table comparing average car insurance quotes from low-cost providers in Springfield.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $99 | $1,192 |
| GEICO | $188 | $2,260 |
| State Farm | $160 | $1,930 |
| Progressive | $150 | $1,804 |
| AAA | $211 | $2,530 |
Cheapest Car Insurance Rates For Seniors: Allstate
For seniors in Springfield, Allstate provides the lowest rates, with an average monthly cost of $99.
Below is a table listing average rates from the cheapest car insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $99 | $1,180 |
| State Farm | $122 | $1,460 |
| Shelter | $107 | $1,282 |
| Nationwide | $124 | $1,480 |
| GEICO | $171 | $2,060 |
Cheapest Auto Insurance For Young Adults in Springfield: Travelers
Young adults in Springfield can find the cheapest quotes from Travelers, averaging $103 per month.
Refer to the table below to see a comparison of the most affordable auto insurance rates for young adults in Springfield.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $103 | $1,228 |
| State Farm | $161 | $1,930 |
| Allstate | $131 | $1,572 |
| Nationwide | $182 | $2,190 |
| Progressive | $149 | $1,799 |
Cheapest Rates In Springfield For Teenagers: Nationwide
Nationwide offers the most affordable quotes for teenage drivers in Springfield, with average monthly premiums of $150.
Below is a table highlighting insurers with the most affordable rates for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $150 | $1,790 |
| State Farm | $196 | $2,347 |
| Allstate | $179 | $2,130 |
| Progressive | $262 | $3,142 |
| Travelers | $197 | $2,371 |
Cheapest Car Insurance In Springfield For Good Drivers: State Farm
State Farm offers the lowest car insurance quotes for good drivers in Springfield, with average rates around $46 a month.
As a good driver, you can refer to the table below for average quotes from budget-friendly insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $46 | $549 |
| Nationwide | $72 | $860 |
| Progressive | $47 | $563 |
| GEICO | $88 | $1,051 |
| AAA | $80 | $960 |
Find affordable Springfield rates
Cheapest Car Insurance In Springfield After A Speeding Ticket: Allstate
Allstate provides competitive rates in Springfield, averaging $124 a month for drivers who have a speeding ticket on their record.
Refer to the table below to see average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $124 | $1,480 |
| Progressive | $157 | $1,884 |
| State Farm | $143 | $1,705 |
| Shelter | $165 | $1,980 |
| GEICO | $201 | $2,412 |
Cheapest For Drivers With After At-Fault Accident: Allstate
Allstate has the most affordable car insurance rates for drivers with an at-fault accident, with an average monthly cost of $140.
The following list includes car insurance companies with the most affordable rates for drivers with an at-fault incident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $140 | $1,672 |
| Progressive | $195 | $2,342 |
| Shelter | $187 | $2,236 |
| State Farm | $153 | $1,840 |
| Nationwide | $214 | $2,560 |
Cheapest Rates In Springfield For Drivers After A DUI: State Farm
State Farm provides the lowest rates for Springfield drivers following a DUI, averaging $142 per month in premiums.
Drivers in Springfield who have a DUI can refer to the table below for the lowest insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $142 | $1,704 |
| Allstate | $144 | $1,720 |
| Shelter | $186 | $2,240 |
| Progressive | $143 | $1,716 |
| AAA | $243 | $2,910 |
Best Car Insurance Companies In Springfield
Drivers in Springfield can find affordable insurance through State Farm at $46 per month. Nationwide is another option at $72 a month, and Progressive follows with a rate of $47 per month.
The following list showcases the top 10 car insurance providers in Springfield, MO, organized by the average monthly rates they offer.
| Company | Monthly Premium |
| State Farm | $46 |
| Nationwide | $72 |
| Progressive | $47 |
| GEICO | $88 |
| Allstate | $64 |
| AAA | $80 |
| American Family | $44 |
| Shelter | $65 |
| Kemper | $78 |
| Travelers | $46 |
Average Auto Insurance Rates In Springfield – By Age
When calculating car insurance rates, age is a significant factor. Younger drivers usually incur higher premiums due to their inexperience and greater likelihood of accidents and violations. On average, teenagers can expect to pay around $3,120 per year for coverage.
Drivers often see a decrease in their rates when they reach 25, assuming they have maintained a spotless driving history.
The best insurance rates are often available to drivers in their 50s and early 60s. Insurers consider age a key factor in evaluating driving experience and risk, influencing the premiums charged.
| Age | Average Yearly Rate |
| Teenagers | $3,120 |
| 20s | $2,225 |
| 30s | $1,392 |
| 40s | $1,308 |
| 50s | $1,176 |
| 60s | $1,272 |
| 70s | $1,380 |
Average Rates In Springfield– By Vehicle
Your vehicle type heavily influences your car insurance costs. Insurers look at the make, model, year, and body type of the car, with newer luxury models—especially those with advanced tech and high replacement costs—often incurring higher rates.
Use the table below to compare average rates in Springfield for different types of vehicles.
| Vehicle | Average Monthly Rate |
| Toyota Highlander | $195 |
| Hyundai Tucson | $112 |
| Ford Edge | $213 |
| Chevrolet Avalanche | $112 |
| Chevrolet hHr | $220 |
How Much Is Car Insurance In Other Cities In Missouri?
The city you reside in has a strong influence on your car insurance rates. Insurance providers evaluate factors like accident risk, theft rates, and vandalism, which are often elevated in urban areas, resulting in higher premiums.
As an example, Kansas City drivers can expect car insurance costs around $181 per month, whereas Columbia residents pay an average of $156 monthly.
| City | Average Monthly Rate |
| Kansas City | $181 |
| Lee’s Summit | $162 |
| Rolla | $150 |
| St. Charles | $158 |
| Ballwin | $170 |
| Blue Springs | $160 |
| Cape Girardeau | $151 |
| Columbia | $156 |
| Florissant | $200 |
| Independence | $174 |
Average Cost Of Auto Insurance In Springfield – By Zip Code
Each zip code has its own car insurance rates, as insurers rely on zip codes to determine local crime rates.
Use the table below to compare average insurance rates across different zip codes in Springfield.
| Zip Code | Average Monthly Rate |
| 65804 | $130 |
| 65897 | $135 |
| 65810 | $127 |
| 65802 | $137 |
| 65807 | $126 |
Find affordable Springfield rates
Our Methodology
Drawing from an extensive examination that covers aspects like customer service ratings, available products, pricing structures, and insights from various online reviews, I have created a detailed perspective on car insurance providers in Springfield, MO.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Springfield?
State Farm offers the most affordable rates in Springfield for the minimum coverage required by Missouri law, whereas Allstate provides the lowest rates for full coverage, which encompasses both comprehensive and collision coverage.
What is the average cost of car insurance in Springfield?
The typical cost of car insurance in Springfield is around $130 per month, but rates may vary based on your zip code, vehicle year and model, driving record, and other factors.
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