Cheap Car Insurance Springfield MO: A Detailed Analysis

In Springfield, the typical expense for comprehensive car insurance stands at $1,563, just a bit below Missouri’s state average of $1,588.

Cheap Car Insurance Springfield MO
Cheap Car Insurance Springfield MO image source [Trusted choice]
However, individual rates can differ significantly based on the driver and the insurance provider.

Hence, it is crucial to thoroughly assess quotes before making a purchase.

Key Points to Note:

  1. USAA offers the most affordable annual rate for comprehensive coverage in Springfield, averaging $745.
  2. USAA remains the budget-friendly choice for Springfield drivers with poor credit.
  3. Missouri mandates bodily injury liability coverage of $25,000 per person and $50,000 per accident, along with property damage liability coverage of $10,000.
  4. Drivers in Missouri must also carry uninsured/underinsured motorist coverage, with a minimum requirement of $25,000 per person and $50,000 per incident.

Policy genius conducted a comprehensive analysis of car insurance rates, utilizing data from Quadrant Information Services for each ZIP code across all 50 states and Washington, D.C.

The evaluation focused on full coverage policies, employing the following coverage limits:

  • Bodily injury liability: 50/100
  • Property damage liability: $50,000
  • Uninsured/underinsured motorist: 50/100
  • Comprehensive: $500 deductible
  • Collision: $500 deductible

In certain instances, state or insurer requirements mandated the addition of extra coverages.

We calculated average rates, ZIP code variations, and affordable companies for drivers aged 30, 35, and 45, based on a 2017 Toyota Camry LE driven 10,000 miles annually.

We determined rates for traffic violations and “Poor” credit for a single 30-year-old male with a credit score below 578.

Keep in mind that affiliates may represent carriers. The provided rates are samples, and your actual quotes may differ.

Springfield, MO – Affordable Car Insurance Options

When calculating your premiums, various factors such as your age, driving history, and ZIP code come into play.

While all car insurance companies consider the same data, each has its unique formula for rate determination.

This diversity in formulas leads to significant variations in rates between companies, even when offering identical coverage.

Company Average Cost JD Power Rating
USAA $745 890
State Farm $1,095 882
Farm Bureau $1,146
Travelers $1,246 854
Auto-Owners Insurance $1,259 865


Cheapest Car Insurance Rates by ZIP Code in Springfield, MO

Your ZIP code plays a significant role in determining your car insurance rates.

Factors such as car thefts, reported accidents, secure parking, and population density in your area can all impact the cost of your insurance.

City drivers often face higher premiums due to increased traffic, leading to more opportunities for accidents and claims.

ZIP Code Average Cost
65810 $1,541
65803 $1,549
65804 $1,552
65807 $1,556
65897 $1,561
65809 $1,567
65802 $1,574
65806 $1,605


Choosing the Right Car Insurance Company in Springfield, MO

Given that car insurance rates depend on various factors like your address, age, and credit score, comparing rates between companies is crucial to secure the best possible rates for your unique situation.

Policygenius can assist you in understanding your options and comparing policies from top car insurance companies, ensuring confidence in the coverage you choose.

Car Insurance Rates for Drivers with Violations in Springfield, MO

Any accidents or moving violations on your record can lead to higher car insurance rates.

The severity of the violation determines how long it stays on your record and its impact on coverage costs.

Keeping a clean record in the years following an incident can lead to violations “falling off” your record in three to five years.

Violation USAA State Farm Farm Bureau Travelers Auto-Owners Insurance
At-fault accident $1,046 $1,300 $1,246 $1,696 $3,538
DUI $1,368 $1,205 $1,445 $1,862 $3,123
Suspended license $1,316 $1,205 $1,445 $1,862 $3,123
Open container $1,100 $1,205 $1,445 $1,620 $1,640
Expired registration $949 $1,205 $1,146 $1,620 $1,269
Driving without lights $949 $1,205 $1,146 $1,588 $1,640
Running a red light $949 $1,205 $1,196 $1,620 $1,640
Following too closely $949 $1,205 $1,196 $1,620 $1,640
Hit and run $1,415 $1,205 $1,445 $1,862 $3,123
Not-at-fault accident $802 $1,111 $1,146 $1,339 $1,269
Passing a school bus $1,100 $1,205 $1,196 $1,862 $1,818
Reckless driving $1,192 $1,205 $1,196 $1,862 $3,123
Speeding $949 $1,205 $1,196 $1,862 $2,114


Most Affordable Car Insurance after DUI in Springfield, MO

Company Rates for DUI Drivers
State Farm $1,205
USAA $1,368
Farm Bureau $1,445
Travelers $1,862
Auto-Owners Insurance $3,123


Least Expensive Car Insurance for Speeding Tickets in Springfield, MO

Company Rates for Speeding Tickets
USAA $949
Farm Bureau $1,196
State Farm $1,205
Travelers $1,862
Auto-Owners Insurance $2,114


Most Budget-Friendly Car Insurance for Drivers with Poor Credit in Springfield, MO

Your credit score is a significant factor in determining car insurance rates.

The lower your credit score, the higher your insurance premiums.

Therefore, drivers with poor credit should explore affordable options by comparing quotes.

Company Rates for Poor Credit Drivers
USAA $1,386
Farm Bureau $1,937
State Farm $2,163
Columbia Insurance $2,190
Nationwide $2,314

Securing Auto Insurance in Springfield, MO

Missouri mandates minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury liability, along with $10,000 for property damage liability.

Additionally, drivers in Missouri must carry uninsured/underinsured motorist coverage with limits of $25,000 per person and $50,000 per incident.

As an at-fault state, Missouri holds the driver responsible for the accident legally and financially.

The state follows a pure comparative fault system, allowing multiple parties to share fault in an accident, with the degree of liability determining claims resolution.

To ensure comprehensive protection in the event of an at-fault accident, it’s advisable to carry high levels of liability coverage. Adding collision and comprehensive coverage is also crucial if you lack the means to replace or repair your vehicle out-of-pocket after an accident.

Tips for Affordable Car Insurance in Springfield, MO

Many insurance providers offer discounts that can help lower premium costs.

Common discounts include:

  1. Bundling discount
  2. Safe driver discount
  3. Good student discount
  4. Accident-free discount
  5. Multi-car discount
  6. Low mileage discount
  7. Military discount

Even if you don’t qualify for specific discounts, comparing rates remains an effective way to find cost-effective insurance.

Regularly reassessing your car insurance options ensures that you stay informed about potential better deals with other companies.

Related: Cheap Car Insurance Montgomery AL

Frequently Asked Questions About Cheap Car Insurance Springfield MO

  • Which company offers the most affordable rates in Springfield, MO?
    • USAA stands out with the lowest average car insurance cost in Springfield, MO, even for individuals with poor credit. However, it’s important to note that USAA is exclusively available to drivers associated with the U.S. military.
  • How will my insurance rates change when I reach the age of 25 in Missouri?
    • Assuming a clean driving record, your insurance rates are likely to decrease after turning 25. Individuals over 25 fall into a lower-risk category, leading to reduced insurance premiums. However, if your record includes multiple accidents and violations, the impact of age on rates may be less significant, and you may still experience higher premiums even after reaching 25.
  • Is uninsured/underinsured motorist coverage mandatory in Missouri?
    • Yes, Missouri mandates that drivers carry uninsured/underinsured motorist coverage, with a minimum requirement of $25,000 per person and $50,000 per incident.
  • What is the average monthly cost of car insurance in Missouri?
    • The average annual insurance rate in Missouri is $1,588, equivalent to an average monthly cost of $132. In Springfield, drivers face an average monthly expense of $130, which is $2 less than the statewide average.

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