Find Car Insurance in Springfield, Missouri

What You Should Know About Car Insurance in Springfield, MO

The city of Springfield lies in the beautiful Ozark region and is one of the two primary metropolitan areas in the Ozarks. Historically, this Midwest city was coveted as a strategic location within the U.S., and it has been a strong regional commercial hub since the mid-1800s. Walmart maintains a strong presence in the city, employing nearly 6,000 people. CoxHealth, Mercy Springfield Communities, and several smaller healthcare establishments provide over 25,000 jobs. The state of Missouri employs over 6,000 people, and even the federal government has nearly 4,000 workers in this city.

But Springfield is more than just a place to work. Tens of thousands of students attend its colleges and universities. More than 90 parks encompassing thousands of acres of green and recreational spaces dot the city, with lakes, rivers, trails, sports fields, and playground equipment available. Its revitalized downtown hosts monthly and annual events attracting hundreds of thousands of visitors.

After talking to an expert agent to obtain the best auto insurance at the best prices in Missouri, you can ride around and never get enough of the sights, action, and natural beauty.

How Much Does Car Insurance Cost in Springfield, Missouri?

One of the many advantages of living in this city is that car insurance in Missouri is pretty affordable. The national average for a full coverage policy is $2,014, and minimum liability runs about $622. In the state, those averages are $1,943 and $490. Springfield residents generally pay slightly more than the national average, but there are many ways to reduce those rates to even more affordable monthly premiums.

What Does It Mean If Missouri Is an At-Fault State?

Missouri is an at-fault state. Your policy covers you for both property damage and bodily injury. In an at-fault state, the driver determined to have caused an accident must pay for both types of damages for both parties. In a no-fault state, regardless of who caused the accident, each driver must seek compensation for their bodily injuries and medical expenses through their own insurer. However, regarding property damage losses, there is typically no difference between an at-fault and a no-fault state.

Affordable Car Insurance Rates Comparison by Cities in Springfield

Where you live can make a huge difference when it comes to your premiums. The table below shows that even cities not far from each other can have very different car insurance rates.

City	Full Coverage Insurance	Liability Insurance Coverage
Springfield	$177	$53
Ava	$188	$39
Branson	$176	$46
Carthage	$168	$42
Ozark	$161	$46

How Bundling Your Car and Homeowners Insurance Can Save You Money in Springfield

Bundling is a term for getting more than one policy from a given insurer. It is common practice for people to bundle their home and auto insurance. Instead of having to sign up with two different companies, many customers choose the simpler route of just dealing with a single provider for both policies, sometimes even getting other types of coverage with that vendor. It is also easier to pay your premiums to a single source rather than to multiple insurers. Because you would be giving your carrier more business, they typically offer you a discount of between 5% and 25% off your homeowners insurance and car insurance premiums when you bundle.

If you tell your InsureOne agent that you want to bundle policies, they will get to work comparing prices and bundling discounts between various vendors. When they are done, they will present you with personalized policies with the coverage you are looking for at affordable prices.

What Types of Car Insurance Discounts Are Available in Springfield?

Insurers offer lots of discounts to customers for a variety of reasons. Whether it is for lowering your risk level or in recognition for a group you belong to, these and many other discounts can lower your insurance premiums significantly:

• Auto pay discount
• Telematics discount
• Paperless billing discount
• Senior discount
• Paid-in-full discount

Notable Car Insurance Laws in Springfield

Missouri has many insurance laws that affect premium prices, the type of policy you must get, penalties for driving without coverage, and other such rules and regulations. These are some of the policies that drivers in Springfield and other cities in the state must adhere to:

What Are the Mandatory Car Insurance Requirements in Springfield?

Every state requires you to either have a policy or prove you are capable of paying for damage you cause to others in a car accident. Additionally, states establish minimum levels of coverage to ensure your policy will be adequate if you ever have to compensate others for accident-related losses. In Missouri, every policy an insurer writes must include a minimum of:

• $25,000 liability coverage for bodily injury per person
• $50,000 liability coverage for bodily injury per accident
• $25,000 liability coverage for property damage
• $25,000 per person in uninsured motorist coverage
• $50,000 per accident in uninsured motorist coverage

What Is the Penalty for Driving Without Insurance in Springfield?

Driving without getting a policy is a serious offense in Missouri. The state requires those who do have coverage to get uninsured/underinsured motorist protection. If an uninsured driver causes an accident, you would still be covered by your policy. The issue is that it ends up that uninsured motorists do not end up paying into the system, causing premiums to increase for those who do. Therefore, Missouri imposes these penalties if someone is caught driving without a policy:

• A $500 fine
• A $400 reinstatement fee
• A one‑year suspension of your driving privileges
• A possible 15-day jail sentence for repeat offenders

What Factors Go Into My Car Insurance Cost in Springfield?

Underwriters working for insurance companies dig into many details that give them an inclination as to how likely you are to file a claim and how much that claim might cost them. These set premiums based on estimations derived from these facts. These are some of the many factors they review:

• Marital status
• Make and model
• Employment
• Crime rates
• Accident rates

Typical Driving Conditions in Springfield

Although Springfield is an important metro area, it does not have the traffic you will find in some of the larger U.S. cities. The 91 and downtown have some congestion during rush hour, but there are no major backups on a regular day. The municipality maintains cameras throughout town to monitor driving conditions and adjusts its infrastructure accordingly. Hundreds of traffic signals, speed zone flashers, dynamic message signs, and other such apparatuses help the city ensure a safe, smooth driving experience.

How Many Car Accidents Happen in Springfield Per Year?

In 2024, there were 955 fatalities resulting from car crashes in Missouri. Accidents in Springfield and some of the smaller towns in the area accounted for some of those, as you can see in the table below:

City	Total Fatalities
Springfield	23
Ava	1
Branson	3
Carthage	2
Ozark	2

How Many Uninsured/Underinsured Motorists Are in Springfield?

Although Springfield is generally a safe place to drive, accidents do happen. Based on a report by the Insurance Information Institute, 20.7% of Missouri’s drivers were uninsured in 2023, one of the worst states in this category. Fortunately, the state requires you to add Uninsured/underinsured motorist protection to your policy, which would cover you if a driver without a policy crashes into your car.