best car insurance
springfield 2022
The Cheapest and Best Car Insurance in Springfield
The Cheapest Car Insurance Companies in Springfield
On average, the following companies offer the most low-cost full-coverage car policy in Springfield :
- Allstate: $817 per year
- Allied: $828 per year
Former and current military members together with their families may purchase wax coverage policies from USAA, which is the most low-cost provider at $ 496 per year. Allstate features the lowest rates for broad coverage at an average of $ 817 per year — $ 801 lower than comparable Metlife policies, which cost an annual average of $ 1,618. Rates for full-coverage policies, which include comprehensive examination and collision policy, vary based on coverage level .
Cheapest Car Insurance in Springfield
Full Coverage 100/300/100 We determined average car policy rates in Springfield for a sample visibility of a 40-year-old male driver seeking full moon coverage. Our methodology page offers more penetration into our analysis. Full-coverage car indemnity is more expensive than minimum coverage because it has higher limits that offer more security for drivers following an accident. It besides includes :
- Comprehensive Coverage: Should your car become damaged due to non-accident related incidents, this coverage will pay for the cost of repairs.
- Collision Coverage: This insurance covers the cost of repairs for your car after an at-fault accident.
If you have an older vehicle, wax coverage may be significantly more expensive than the monetary value of the vehicle. These drivers can consider purchasing state of matter minimal policies to keep their premiums humble .
Compare Car Insurance Rates in Springfield
guarantee you ‘re getting the best rate for your cable car indemnity. Compare quotes from the top insurance companies. widget-location-pin
Cheapest Car Insurance in Springfield for Minimum Coverage
If you wish to purchase the cheapest car insurance in Springfield, consider a policy that only meets the state of matter minimum coverage requirements. The cheapest options in the city are :
- State Farm: $415 per year
- Allied: $516 per year
If you come from a military background or are in active military service, USAA offers the most low-cost state minimum policy in Springfield on average, at $ 209 per year. For the state minimum indemnity policy, the most expensive company is Metlife, with $ 989 per year. That ’ s $ 574 more than the cheapest provider. The express minimum policy is the cheapest in the city but does not include comprehensive examination and collision coverage. It besides has lower limits and may leave more of a fiscal burden on the policyholder in case of an accident. Check out the board below to see how prices change with unlike limits .
Cheapest Minimum Liability Car Insurance in Springfield
state Minimum In Springfield, your car indemnity policy needs to have at least 25/50/25 in coverage limits, plus uninsured motorist coverage. however, with liability-only coverage, you may need to pay more out of air pocket after an accident. If you are at fault in an accident, for example, and the sum property damage price is $ 50,000, you will have to pay the extra $ 25,000 yourself .
Missouri Minimum Liability Requirements
- detail description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property damage. A more protective level is 100/300/100 .
- Uninsured motorist $ 25,000 per person and $ 50,000 per incident. The minimal coverage may not be enough if you ‘re in a dangerous accident .
Cheapest Car Insurance in Springfield if You Have Driving Violations
In Springfield, if you have a drive violation such as a rush tag or at-fault accident on your record, your car policy rates increase. The most low-cost insurance company in lawsuit of the follow violations are :
- Cheapest After a Ticket: State Farm, $918 per year
- Cheapest After an At-Fault Accident: Allstate, $971 per year
- Cheapest After a DUI: State Farm, $918 per year
USAA provides the brassy car indemnity for military drivers with DUIs, but entirely active-duty and former members of the military, along with their families, qualify for its policies. Your drive record may improve over time, resulting in lower car insurance premiums. In the meanwhile, you can besides secure the cheapest coverage for drivers with violations by shopping around and comparing prices .
Cheapest Car Insurance in Springfield With a Violation
Speeding slate
Average Cost of Car Insurance in Springfield
Springfield
$1,159
Missouri
$1,305
U.S.
$1,424
The average annual car insurance price in Springfield is lower than both the Missouri and U.S. averages. In Springfield, the average annual rate is $ 1,159. This is 11.2 % cheaper than the country average and 18.6 % less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Springfield
Auto indemnity providers evaluate several factors to calculate your car policy quotes in Springfield. These include your long time, sex, marital condition, car make and model and more. In Springfield, Allstate ’ sulfur median annual premium for 40-year-old male drivers is $ 817. To make certain your coverage meets your circumstances, budget and needs, you should constantly compare car insurance quotes .
Compare Car Insurance Rates in Springfield
see you ‘re getting the best rate for your car indemnity. Compare quotes from the top policy companies. widget-location-pin
The Best Car Insurance Companies in Springfield
If you wish to purchase a cable car policy policy that combines affordability with quality military service, MoneyGeek determined the best insurers in Springfield to ensure you find the right coverage. Based on the scores, the best car insurance providers in the city for most drivers are :
- Auto-Owners Insurance Company: MoneyGeek score of 98 out of 100
- GEICO: MoneyGeek score of 93 out of 100
According to MoneyGeek’s analysis, USAA received the highest score in the city. however, only members of the military and their families can purchase its policies .
1
USAA
score :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2
Auto-Owners Insurance Co
sexual conquest :
97.5
5/5 Affordability 4/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 3
GEICO
score :
92.5
5/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 4
Allstate
score :
85
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal constancy 5
Auto Club of Southern California Insurance Group
score :
85
4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 6
Travelers
score :
85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal Stability
Read more: Low Cost Auto Insurance – Atlanta, Georgia
7
Progressive
sexual conquest :
85
4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 8
State Farm
score :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 9
American Family
score :
77.5
2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 10
Safeco
grudge :
77.5
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 11
Liberty Mutual
score :
77.5
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 12
Farmers
grade :
75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 13
Nationwide
sexual conquest :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 14
Farm Bureau Ins of MI
score :
72.5
2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A- fiscal stability
Average Cost of Car Insurance by Postal Code
When you compare the average cost of car insurance in Springfield, you may find that the price changes by ZIP code. For example, if you live in a secure area with fewer uninsured motorists, accidents and car thefts, you can save money on your vehicle policy premium. In Springfield, the 65807 ZIP code tends to have slenderly lower car indemnity rates. Drivers living in this area pay $ 18 less in annual car policy rates than those residing in the 65802 ZIP code .
- Zip Code State Minimum
per year
- 65807
$1,151
- 65803
$1,156
- 65802
$1,169
Factors That Impact Insurance Costs in Springfield
In addition to individual driver needs and history, location-specific factors like the share of uninsured motorists and the rate of black accidents besides contribute to car policy rates in Springfield. How Springfield ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .
Most Accidents With Fatalities
63rd
/ 300
Most cable car Thefts
243rd
/ 300
Most uninsured Motorists by State
17th
/ 50
personal Injury Protection Required No
Most annual rain
71st
/ 300
Most showery Days
122nd
/ 300
Methodology and Assumptions
MoneyGeek ’ randomness average premium rates for Springfield are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and repel record. Learn more about MoneyGeek ’ s data and methodology hera. About the writer
Mark Fitzpatrick is a senior contented director with MoneyGeek specializing in indemnity. Mark has years of experience analyzing the indemnity market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a maestro of Arts .