Car Insurance in Springfield
Known as the Queen City of the Ozarks, Springfield, MO., is home to nationally-acclaimed attractions such as the Missouri Sports Hall of Fame, Dickerson Park Zoo, and the largest Bass Pro Shop in the world. It is also known as the Gateway to the Great Outdoors with the Ozark Mountains as its backdrop, complete with natural reserves, streams, and enough trails to keep hikers busy for life.
With a comfortable mix of natural beauty and metropolitan, Springfield has more than enough for anyone to enjoy their time there. And with beautiful attractions come plenty of visitors driving in from all around the country, so having a solid, affordable auto insurance* policy can provide peace of mind to those who live in Springfield.
Quick Facts
- The average cost of car insurance in Springfield is $55 per month.
- In 2020, there were 6,123 reported vehicle accidents, with 27 traffic fatalities, in Springfield.
*We use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
How Much Does Car Insurance Cost in Springfield?
On average, car insurance in Springfield costs $55 per month. This is lower than the U.S. national average and slightly higher than the average car insurance cost of $45 per month in Missouri.
It is very important to seek a comprehensive auto policy that covers all of your needs in the event of an auto accident. If you are responsible for the accident, you are responsible for paying all incurred costs. Fortunately, you may be eligible for auto policy discounts if you have a solid driving record.
Springfield Car Insurance Rates by Zip Code
In Springfield, MO., auto policy premiums can vary depending on the zip code in which you reside. Each zip code has its own number of reported accidents, thefts, and other activities affecting auto policy premiums. In general, the fewer accidents in a zip code, the lower the premiums.
Springfield, MO. has seven zip codes. Each one may offer different auto insurance rates. Here are the average rates per month for each zip code.
| Zip Code | Average Car Insurance Rate |
|---|---|
| 65807 | $51 |
| 65802 | $52 |
| 65804 | $52 |
| 65803 | $50 |
| 65810 | $52 |
| 65809 | $54 |
| 65806 | $55 |
Springfield Car Insurance Rates by Age
Age is a key factor when considering auto insurance premiums. Some age ranges pay higher insurance costs than others, depending on driving record.
Regardless of age, it is very important to maintain a healthy driving record with no reported accidents to keep your premiums low.
Here is a breakdown of the average car insurance rate by age in Springfield, Missouri.
| Age | Average Monthly Car Insurance Rate |
|---|---|
| Teenagers | $333 |
| 20s | $131 |
| 30s | $55 |
| 40s | $54 |
| 50s | $53 |
| 60s | $51 |
| 70s | $58 |
Driving Conditions in Springfield
How Many Fatal Accidents Happen in Springfield?
In 2021, there were 6,123 accidents in Springfield, Missouri. Of these, 27 included fatalities, 1,567 incurred injury, 2,571 were non-injury, and 1,958 were reported as citizens crash reports.
How Are the Road Infrastructure and Bridges in Springfield?
The road infrastructure and bridges in Springfield, Missouri, are under constant revision. Public Works continues to invest millions of dollars in infrastructure upgrades, with planned improvements to school sidewalks, road widening projects, stormwater improvement, and streetscape projects that involve decorative sidewalks, lighting, and other cosmetic-style improvements.
Get a Quote for Car Insurance in Missouri Today!
Minimum Car Insurance Requirements in Springfield
With more than 90% of Springfield households owning one or more vehicles, it is critical to own a comprehensive auto insurance policy. Missouri is an “at-fault” state, which means an accident-causing driver must pay for the affected driver’s damages.
In Missouri, the state minimums are as follows:
- $25,000 bodily injury per person
- $50,000 bodily injury for all persons per accident
- $25,000 property damage liability
- $25,000/$50,000 uninsured motorist coverage
If your vehicle is leased or financed, the lender will probably request that you obtain full coverage, which combines comprehensive and collision coverage. This helps protect the lender in the event of an accident, allowing them to recoup costs. To save money on car insurance, go with a higher deductible.
Factors Allowed in Springfield Car Insurance Rates
Car insurance companies factor in many variables when deciding on the cost of your insurance policy.
Some factors that decide how high or how low your auto policy premium include:
- Driving record
- Age
- Gender
- Zip Code
- Marital status
- Type of vehicle
- Credit rating
Discounts for Car Insurance in Springfield
There are many ways you can save on car insurance in Springfield, Missouri. Above all, one must have a solid driving record free of accidents. Depending on your situation, you may be entitled to the following benefits:
-
Military discount
-
Good driver discount
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Anti-theft discount
-
Student discount
-
Miles driven (working from home? Check with your agent)
Do not be afraid to call your insurance company to go over your driving record and see what discounts you may qualify for with your specific situation. Note, eligibility may also be dependent on sticking with an insurance carrier for a minimum period of time.
What Are the Penalties for Driving Without Insurance in Springfield?
Driving without insurance on the streets of Springfield, MO. is not a wise decision. As with many other areas in the United States, if you choose to drive with no insurance you can:
- Have up to 4 points assessed against your record each time you are caught and convicted. It only takes 8 points within an 18-month period to lose your driving privileges.
- Receive periods of driving suspensions based on how many times you are caught and convicted.
If Missouri drivers are caught driving without insurance, they may be issued a ticket, incur a fine and have their driving privileges suspended. It’s just not worth it.
Get a Quote for Car Insurance in Springfield Today!
Fortunately, Freeway is here to help you find the best and most affordable car insurance in Springfield, MO.
Get started with a quote online, visit us at a Springfield office near you, or call us at 800-777-5620 for a quote.