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How much is car insurance in Springfield?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Missouri is about $6 a month more expensive than it is in Springfield.
Likewise, car insurance rates in Springfield are more affordable than the national average. It's about $11 cheaper to insure your vehicle in Springfield compared to the average rate for the United States as a whole.
While these numbers are the average rates for auto insurance in Springfield, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down average rates for Springfield to help you get a more accurate idea of what you'll be charged for your policy. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may creep back up a bit in Springfield.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Springfield, male drivers pay about $7 more per month. Looking at the table above, you can see that female drivers pay around $67 on average, while male drivers typically pay $74 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay much less than those with multiple infractions. The rate for drivers in Springfield with a single accident on their record is about $95 a month. Likewise, drivers with one ticket will be looking at a rate of around $87 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$66|
As you can see in the first table above, the cheapest vehicles to insure in Springfield are usually trucks and vans, which run about $55 per month.
Car owners, on the other hand, typically pay around $77 a month, while SUV drivers can expect to pay about $64 per month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Springfield, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
Overall, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
In Springfield, the difference in rates based on relationship status can be as much as $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $11 a month more than if you own your own home in Springfield. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Springfield, MO
Recent trends in car insurance for Springfield drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Springfield, auto insurance rates rose from 2017-2018, before steadying out in 2019. Rates had been increasing again, hitting a high of $76 in 2021, and finished down at $59 in 2022.
How does Springfield compare to neighboring areas?
Why are car insurance rates in Springfield different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Local regulations
- Rate of car accidents
- Crime rates
- Total drivers
- Availability of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Springfield?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing auto coverage in Springfield in no time.
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Springfield Insurance FAQs
What factors affect car insurance quotes in Springfield?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Springfield different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Springfield?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Springfield?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Springfield or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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