How to Find the Cheapest Car Insurance in Springfield, MO
Car insurance in Springfield, MO averages $266 a month for full coverage in 2026 and $89 a month for Missouri’s state-minimum liability limits (25/50/10), according to InsuranceQuotes.com’s local rate data. Missouri also requires uninsured motorist coverage, a meaningful protection given the state’s estimated 14% uninsured-driver rate. Comparing quotes from carriers such as State Farm, Progressive, and GEICO can save Springfield drivers real money — State Farm’s local full-coverage rate averages around $188 a month, about $78 less than the citywide average.
Rates last verified and updated: July 2026.
Whether you’re exploring the iconic landmarks or enjoying the local cuisine of Springfield, MO, having reliable transportation is essential in this bustling metropolis. However, finding affordable car insurance can be a daunting task. Luckily, InsuranceQuotes provides a convenient solution to help Springfield drivers secure the cheapest policy rates available on the market today. By utilizing their real-time cost database and obtaining multiple free auto insurance quotes all in one place, individuals can easily compare different policies side by side without any hassle or confusion. With InsuranceQuotes’ professional and informative platform at your fingertips, rest assured that you’ll find comprehensive coverage tailored to your needs while saving money along the way
Average Car Insurance Costs for Springfield, MO
- State minimum liability on average in Springfield costs $89 a month or $1,065 a year.
- Full coverage auto policies costs around $266 a month or $3,197 a year in Springfield.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Springfield – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who Has the Cheapest Car Insurance Policy Rates in Springfield?
- In Springfield the cheapest car insurance rates on average are from State Farm, Progressive, and GEICO. State minimum liability car insurance starts at $54 a month or $654 a year. Full coverage car insurance starts at $188 a month or $2,252 a year with State Farm.
Here is the average costs from the cheapest local insurance providers in Springfield from our cost data set of used-car drivers who are single, middle aged and have a clean driving record. For statewide context, see our Missouri car insurance rates guide:
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $654 | $54 | $2,252 | $188 |
| Progressive | $715 | $60 | $3,715 | $310 |
| GEICO | $1,022 | $85 | $4,183 | $349 |
| American Family | $1,072 | $89 | $2,521 | $210 |
| Shelter Insurance | $1,194 | $100 | $4,454 | $371 |
How Much Car Insurance Do I Need in Missouri?
Missouri state minimum liability required by law covers damages to other people’s property and medical expenses if you’re at fault in an accident. Minimum policy coverage requirements are as follows:
State Minimum Liability (Cheapest Coverage Option):
This is required by law in Missouri and covers damages to other people’s property and medical expenses if you’re at fault in an accident.
- $25,000 bodily injury liability coverage per person injured in an accident
- $50,000 bodily injury liability coverage per accident for all persons injured
- $25,000 property damage liability coverage per accident
If you are looking for higher levels of car insurance coverage the following options are also available for drivers in Springfield:
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses.
- Personal Injury Protection (PIP): Also known as “no-fault” coverage, PIP pays for medical expenses and lost wages for you and your passengers, regardless of who is at fault in an accident.
- Collision Coverage: This covers damage to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This covers damage to your vehicle from non-collision incidents such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if you’re injured in an accident, regardless of who is at fault.
- Rental Reimbursement Coverage: This optional coverage helps pay for the cost of a rental car if your vehicle is being repaired due to a covered accident.
- Towing and Labor Coverage: This optional coverage helps pay for towing and labor costs if your vehicle breaks down and needs to be towed to a repair shop.
When selecting car insurance coverage options in Missouri, it’s important to consider your individual needs, budget, and risk tolerance – our trained IQ professionals can help you decide which policy option is best for you.
How to Get the Cheapest Auto Policy Rates
- Shop Multiple Car Insurance Quotes: Using InsuranceQuotes to compare quotes from multiple insurance companies to find the best rates. Each insurer may offer different discounts and pricing structures, so shopping around can help you find the most competitive option.
- Bundle Policies: Many insurance companies offer discounts if you bundle multiple policies, such as auto and homeowner’s insurance, with the same provider.
- Maintain a Good Driving Record: Insurance companies often offer lower rates to drivers with clean driving records. Avoid accidents and traffic violations to qualify for lower premiums.
- Consider Higher Deductibles: Choosing a higher deductible can lower your insurance premiums. Just make sure you can afford to pay the deductible out of pocket if you need to file a claim.
- Drive Less: Some insurance companies offer discounts for low-mileage drivers. If you drive fewer miles than average, inquire about mileage-based discounts.
- Take Advantage of Discounts: Many insurers offer discounts for various factors, such as being a good student, having safety features installed in your car, or completing a defensive driving course. Ask your insurance company about available discounts and eligibility criteria.
- Maintain Good Credit: Missouri insurance providers may use credit-based insurance scores to determine premiums. Maintaining a good credit score can help you qualify for lower rates.
- Drive a Safe Vehicle: Some cars are cheaper to insure than others due to factors like safety ratings, repair costs, and theft rates. Before purchasing a vehicle, research insurance costs for different makes and models.
- Review Your Coverage Regularly: Periodically review your insurance coverage to ensure you’re not paying for more coverage than you need. Adjust your coverage limits and deductibles as your circumstances change.
- Ask About Affiliation Discounts: Some insurers offer discounts for members of certain organizations, alumni associations, or professional groups. Inquire whether you qualify for any affiliation discounts.
Car insurance in Springfield, MO averages $89/month for state-minimum liability coverage and $266/month for full coverage in 2026, based on InsuranceQuotes.com’s local rate data. State Farm, Progressive, and GEICO are among the cheapest providers, with State Farm’s full coverage plans averaging around $188/month. Comparing multiple quotes is the best way to find your lowest rate in Springfield.
MO requires minimum coverage of 25/50/10. MO is a tort state — the at-fault driver is responsible for the other party’s damages. Driving uninsured in MO can result in license suspension, fines, and an SR-22 filing requirement.
No. MO is a tort state. The driver who causes an accident is responsible for all resulting damages. Your liability coverage pays for the other party’s injuries and property damage when you are at fault.
In Springfield, MO, the cheapest auto insurance providers on average are State Farm, Progressive, and GEICO. State-minimum liability coverage starts around $54/month ($654/year), and full coverage starts around $188/month ($2,252/year) with State Farm. Comparing at least three quotes at each renewal is essential since rate differences between carriers can exceed $50 to $100/month for identical coverage.
Missouri requires uninsured motorist coverage — critical given the state’s estimated 14% uninsured driver rate. The most effective ways to lower your Springfield premium: (1) compare quotes from at least three carriers every year, (2) maintain a clean driving record since violations remain on your MO record for years, (3) bundle auto and home or renters for 5 to 15% savings, and (4) raise your deductible on full coverage to $1,000 to cut premiums 10 to 15%.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
