Car Insurance in Springfield, Missouri
Estimated full coverage in Springfield runs about $1,515 a year ($126/month) — ▲ +4% versus the Missouri average, ranking 7th most expensive of the 8 Missouri cities we cover.
Why car insurance in Springfield costs more than the Missouri average
Insurers price by territory, and Springfield's numbers explain most of the gap. With 170,596 residents on 83.3 square miles, the city's density (2,048 people per square mile) is 5.8 times the density where the typical Missouri resident lives (354). The average commute is 17.6 minutes (Missouri: 23.5), and 75% of workers drive alone. Together these put our location factor at 1.04× the state baseline for liability and collision.
| Factor | Springfield | Missouri ref. | Why it matters |
|---|---|---|---|
| Population density | 2,048 / sq mi | 354 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 17.6 min | 23.5 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.4% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 75.4% | — | Share of workers commuting by car. |
| Public transit to work | 0.8% | — | Transit use lowers how much residents drive. |
| Work from home | 10.4% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 9.0% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 81.0 | 79.3 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Springfield
Rates can change from one ZIP code to the next. Across 6 Springfield ZIP codes, our full-coverage estimate ranges from $1,425 in 65803 to $1,655 in 65897. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 65807 | 56,659 | 2,696 | 17.9 min | 6.9% | $1,540 | +2% |
| 65802 | 46,739 | 761 | 18.3 min | 6.9% | $1,450 | −4% |
| 65803 | 42,882 | 459 | 19.3 min | 7.2% | $1,425 | −6% |
| 65804 | 40,935 | 2,201 | 17.1 min | 6.9% | $1,515 | 0% |
| 65806 | 13,692 | 6,413 | 15.1 min | 20.5% | $1,570 | +4% |
| 65897 | 2,613 | 9,973 | 18.9 min | 0.0% | $1,655 | +9% |
Minimum car insurance in Springfield
Springfield drivers follow Missouri's rules: at least 25/50/25 liability coverage, and uninsured motorist coverage. Missouri is at-fault (tort). We estimate state-minimum coverage in Springfield at $535 a year, and $775 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Missouri does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is optional. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Proof of insurance must be shown to register or renew plates and kept in the vehicle.
The minimum property damage limit was raised from $10,000.
Risk factors that shape Springfield premiums
Accidents
Missouri recorded 955 traffic deaths, or 1.17 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Missouri's vehicle theft rate is 293 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Greene County as relatively moderate for hail, relatively moderate for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
2.4% of Springfield commuters spend an hour or more getting to work, and there are 1.53 vehicles per household. 10.4% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 93.2 | Comprehensive (car); roof claims (home) | |
| Tornado | 94.9 | Comprehensive; dwelling | |
| Hurricane | 41.3 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 88.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 87.1 | Comprehensive; dwelling | |
| Winter weather | 97.2 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Springfield by driver profile
A clean-record driver in their 50s pays the least in our Springfield model (about $1,395 for full coverage); an 18-year-old on their own policy pays about $4,165, and a DUI pushes a 30-something to $2,800.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,470 | $2,130 | $4,165 | $347 |
| Young adult (22) | $855 | $1,240 | $2,425 | $202 |
| Adult in their 30s | $535 | $775 | $1,515 | $126 |
| Adult in their 50s | $490 | $710 | $1,395 | $116 |
| Senior (72) | $600 | $865 | $1,695 | $141 |
| 30s, one at-fault accident | $775 | $1,120 | $2,195 | $183 |
| 30s, DUI on record | $990 | $1,430 | $2,800 | $233 |
Minimum vs. standard vs. full coverage in Springfield
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $535 | $44 | $440–$630 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $775 | $65 | $635–$915 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,515 | $126 | $1,240–$1,785 |
Estimate your premium in Springfield
Runs in your browser — nothing you enter is stored or sent to insurers.
Cheap car insurance in Springfield: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Springfield's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $105 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $105 | You're among the 10.4% of Springfield workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $405 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $740 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $330 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Springfield
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 49 offices listed below.
- Check complaint records with the Missouri Department of Commerce and Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Springfield, our estimates differ by up to $230 a year between neighborhoods.
Car insurance agents near Springfield, MO
We found 49 insurance offices within about 7 miles of central Springfield, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
Karen Tramm - Farmers Insurance
221 E Sunshine St, Springfield, MO 65807 -
PJB Financial Agency LLC
210 W Sunshine St, Ste H, Springfield, MO 65807 -
State Farm
MO -
Megan Portis Agency LLC
1927 S National Ave, Ste D, Springfield, MO 65804 -
The Potter Agency LLC
1501 E Sunshine St, Ste A, Springfield, MO 65804 -
Farmers Insurance
1838 East Bennett Street, Springfield, MO 65804 -
State Farm: Rob Akers
1901 South Glenstone Avenue, #A, Springfield, MO 65804 -
Loren J Marshall - Farmers Insurance
1948 S Glenstone Ave, Springfield, MO 65804 -
Lance Haight - State Farm
2905 S National Avenue, Springfield, MO 65804 -
State Farm
1638 South Enterprise Avenue, Springfield, MO 65804 -
Greg Iott Agency Inc
1624 S Enterprise Ave, Springfield, MO 65804 -
Trisha Robbins - American Family Insurance
902 W Battlefield St, #B, Springfield, MO 65807 -
Don Woodward Agency LLC
1125 E Battlefield St, Ste 100, Springfield, MO 65807 -
American Family Insurance
MO -
Jason Lightner Agency Inc
2402 E Madrid Ave, Springfield, MO 65804 -
State Farm
MO -
Jeff Hammock - State Farm
2906 W. Chestnut Expy, Springfield, MO 65802 -
American National Insurance Co
1200 East Woodhurst Drive, #B400, Springfield, MO 65804 -
DFG Insurance
MO -
Love Insurance and Financial Services
MO -
Andrew Brashers - American Family Insurance
3046 S Delaware Ave, Ste K, Springfield, MO 65804 -
OMB Operations Center
MO -
Robert J Hendrickson - Farmers Insurance
3433f S Campbell Ave, Springfield, MO 65807 -
Susan Moberly - State Farm
1902 E Battlefield Road, Ste B, Springfield, MO 65804 -
American Family Insurance
MO -
Chad Astle - GEICO
3600 S Campbell Avenue, Springfield, MO 65807 -
State Farm
MO -
Nicole Brock & Associates LLC
1341 E Kearney St, Ste 300, Springfield, MO 65803 -
Drake & Associates LLC
3170 E Sunshine St, Ste I, Springfield, MO 65804 -
Jessica McClish - American Family Insurance
1530 E Primrose St, Ste A, Springfield, MO 65804 -
Troy E Jones - Farmers Insurance
3757 S Greystone Ave, Springfield, MO 65804 -
State Farm
MO -
The Insurance House
2603 North Kansas Expressway, Springfield, MO 65803 -
Kenny R Teague - Farmers Insurance
302 E Republic Rd, Springfield, MO 65807 -
Madura Agency LLC
4121 S Fremont Ave, Ste 108, Springfield, MO 65804 -
Arrow Insurance Group
MO -
Joe Robles - State Farm
1329 E Republic Road, Suite A, Springfield, MO 65804 -
State Farm Insurance
MO -
AAA - American Automobile Association
MO -
American Family Insurance
MO
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Springfield
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,135 | −25% |
| Subaru Outback | Wagon | $1,140 | −25% |
| Tesla Model 3 | Midsize car | $1,575 | +4% |
| Subaru Forester | Small SUV | $1,115 | −26% |
| Honda Civic | Compact car | $1,705 | +13% |
| Toyota Corolla | Compact car | $1,600 | +6% |
| Jeep Wrangler | Midsize SUV | $1,240 | −18% |
| Mazda CX-5 | Small SUV | $1,270 | −16% |
| MINI Cooper | Subcompact car | $1,145 | −24% |
| Tesla Model Y | Midsize SUV | $1,415 | −7% |
Car insurance in nearby Missouri cities
- Columbia $1,485/yr · 132 mi
- Lee's Summit $1,605/yr · 133 mi
- Independence $1,580/yr · 143 mi
- Kansas City $1,550/yr · 150 mi
- O'Fallon $1,665/yr · 178 mi
- St. Charles $1,600/yr · 187 mi
- St. Louis $1,650/yr · 194 mi
All Missouri cities and state rules · Homeowners insurance in Springfield
Frequently asked questions
How much is car insurance in Springfield, MO?
We estimate full coverage in Springfield at about $1,515 a year ($126 a month) for a driver in their 30s with a clean record, and about $535 for Missouri's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Springfield more expensive than the Missouri average?
Our Springfield estimate is 4% higher than the statewide figure. The model reflects a population density of 2,048 people per square mile (the typical Missouri resident lives at about 354) and an average commute of 17.6 minutes versus 23.5 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Springfield?
Drivers in Springfield follow Missouri law: at least 25/50/25 liability coverage and uninsured motorist coverage.
Which ZIP code in Springfield has the cheapest car insurance?
Among Springfield's 6 ZIP codes, 65803 has the lowest estimate (about $1,425 a year for full coverage) and 65897 the highest (about $1,655), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Springfield?
An 18-year-old with their own full-coverage policy would pay around $4,165 a year in Springfield by our estimate ($1,470 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Springfield?
Yes. FEMA's National Risk Index rates Greene County for tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Springfield?
We list 49 insurance offices in and around Springfield, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Missouri Department of Revenue: Insurance Information
- RSMo 379.203 (uninsured motorist coverage)
- RSMo 303.190 (motor vehicle liability policy limits)
- Missouri Department of Revenue: Mandatory Insurance FAQs (SR-22)
- Missouri DCI: Consumer Guide to Automobile Insurance
- Missouri DCI: Insurance Complaints
- NAIC 2022/2023 Auto Insurance Database Report, Table 41 (liability limits history)
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Springfield and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places