Springfield drivers pay an average of $2,126/year — $355 more than the national average. With 2,223 crashes per year and a 2.4 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $566/year.
(888) 217-6781Estimated full coverage auto insurance rates for Springfield, MO from top carriers. Rates are adjusted for Springfield's 2,223 annual crashes, 2.4 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $809 | $135/mo |
| Shelter Insurance | $877 | $146/mo |
| Progressive | $908 | $151/mo |
| State Farm | $996 | $166/mo |
| Allstate | $1,207 | $201/mo |
Estimates based on 2026 rate filings for ZIP 65801. GEICO is cheapest at ~$135/mo. Actual rates vary by driver profile and exact Springfield location.
These Springfield-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Springfield, MO. Takes under 2 minutes.
(888) 217-6781Springfield is a mid-size city in Missouri with a population of 169,176. While it avoids the extreme congestion of larger metros, Springfield has its own risk factors — growing commuter traffic, expanding development, and tornadoes, severe thunderstorms, flooding, ice storms, hail — that shape local auto insurance rates. Drivers in Springfield typically pay close to the Missouri state average, with significant variation by ZIP code and neighborhood.
For official Missouri insurance regulations, visit the Missouri Department of Commerce and Insurance. For driver licensing, see the Missouri DOR Motor Vehicle.
Your specific ZIP code within Springfield can swing your premium by hundreds of dollars. Here's how rates compare across Springfield neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 65804 | Springfield South Side | $1,966/yr | $164/mo |
| 65821 | Springfield West Side | $2,078/yr | $173/mo |
| 65804 | Springfield North Side | $2,083/yr | $174/mo |
| 65805 | Springfield East Side | $2,182/yr | $182/mo |
| 65801 | Springfield Downtown/Central | $2,321/yr | $193/mo |
The cheapest ZIP is 65804 (Springfield South Side) at $1,966/yr. The most expensive is 65801 (Springfield Downtown/Central) at $2,321/yr — a $355/year difference for the same driver.
Your Springfield ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Springfield. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,465/yr | $372/mo | +110% vs avg |
| Young Adult (20-25) | $2,976/yr | $248/mo | +40% vs avg |
| Adult (26-35) | $2,126/yr | $177/mo | 0% vs avg |
| Mid-Career (36-50) | $1,871/yr | $156/mo | -12% vs avg |
| Senior (51-65) | $1,765/yr | $147/mo | -17% vs avg |
| 65+ | $1,892/yr | $158/mo | -11% vs avg |
Teens in Springfield pay an average of $4,465/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,765/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Missouri cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Springfield drivers can save up to $566/year. ZIP 65804 (Springfield South Side) has the lowest rates starting at $1,966/yr.
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