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How much is car insurance in Springfield?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $7 a month cheaper to insure your vehicle in Springfield than it is in the rest of Missouri.
Compared to the rest of the country, auto insurance in Springfield is more affordable. It's about $9 cheaper to insure your vehicle in Springfield compared to the average rate for the United States as a whole.
While these are the average car insurance rates for Springfield, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've broken down average rates for Springfield to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may creep back up a bit in Springfield.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This is true in Springfield, where women pay around $5 less per month. Based on the chart above, you can see that male drivers pay $74 on average, while female drivers typically pay $69 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Springfield with one accident will pay around $94 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $95.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$68|
If you look at the first table above, the cheapest vehicles to insure in Springfield are typically trucks and vans, at $63 per month.
SUV drivers will see rates of about $66 for car insurance coverage, while car owners usually pay around $74 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Springfield, for example, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Generally speaking, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Springfield is no exception, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $10 a month more than those who own their own home in Springfield. But if you live with your parents, you 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
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area choosing before when and where to shop.
In Springfield, car insurance rates dropped from 2016-2017, but began to rise in 2020. This pattern has continued through 2021 when rates have most recently hit $80 per month.
How does Springfield compare to neighboring areas?
Why are car insurance rates in Springfield different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Off-street parking access
- Regional regulations
- Total drivers
- Crime rates
- Road Safety (frequency of car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
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.
But wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Springfield.
Springfield Insurance FAQs
What factors affect car insurance quotes in Springfield?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Springfield different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Springfield or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?