Springfield, MO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Springfield, MO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Springfield, MO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Springfield, MO Auto Insurance Rates
- Springfield, MO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Springfield, MO
- Multi Vehicle Insurance Savings in Springfield, MO
- How Credit Score Affects Car Insurance Rates in Springfield, MO
- How DUI Affects Auto Insurance Premiums in Springfield, MO
- Top Auto Insurance Agents Near Springfield, MO
- How Driving Violations Affect Auto Insurance Rates in Springfield, MO
- Springfield, MO Auto Insurance Discounts on Anti Theft Feature
- Springfield, MO Auto Insurance Company Reviews
Springfield, MO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Springfield, MO with that of other cities in and around Springfield.
| Springfield | Campbell No. 2A | Clay C | Campbell No. 2C | Campbell No. 2B | Wilson A | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,260 | $1,465 | $1,634 | $1,492 | $1,462 | $1,452 |
Springfield, MO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Springfield, MO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Springfield | $1,950 | $1,647 |
| Campbell No. 2 | $1,816 | $1,534 |
| Campbell No. 2C | $2,207 | $1,864 |
| Wilson A | $1,702 | $1,437 |
| Campbell No. 2B | $1,972 | $1,666 |
| Campbell No. 2A | $1,504 | $1,270 |
| Greene County | $1,477 | $1,248 |
| Clay C | $2,196 | $1,855 |
Springfield, MO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Springfield, MO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,088 |
| 20 Years | $1,619 |
| 30 Years | $1,247 |
| 40 Years | $1,200 |
| 50 Years | $1,111 |
| 60 Years | $1,127 |
| 70 Years | $1,311 |
Springfield, MO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Springfield, MO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,167 | $353 |
| 3 Vehicles | $3,251 | $529 |
| 4 Vehicles | $4,334 | $706 |
Savings on 2 Vehicles bundle:$353
Savings on 3 Vehicles bundle:$529
Savings on 4 Vehicles bundle:$706
Springfield, MO Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Springfield, MO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Springfield | $1,260 | $1,797 |
| Campbell No. 2 | $1,458 | $2,080 |
| Campbell No. 2C | $1,492 | $2,128 |
| Wilson A | $1,452 | $2,071 |
| Campbell No. 2B | $1,462 | $2,085 |
| Campbell No. 2A | $1,465 | $2,090 |
| Greene County | $1,470 | $2,097 |
| Clay C | $1,634 | $2,331 |
Springfield, MO Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,081 |
| Excellent (740-799) | $1,234 |
| Good (670-739) | $1,313 |
| Average (580-669) | $1,713 |
| Poor (300-579) | $2,055 |
Springfield, MO Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Nixon & Lindstrom Insurance | Liberty Mutual Independent | 901 E BATTLEFIELD ST, SPRINGFIELD, 65807 | (417) 881-6623 |
| Leeann Rauch | Farmers | 4650 S National Ave Ste C3, Springfield, 65810 | (417) 569-9500 |
| Wolford Insurance Llc | Travelers | 1736 E SUNSHINE STE 303, SPRINGFIELD, 65804 | 417-882-0088 |
| Redlon Insurance | None | 1951 N Prairie Ct , Nixa, 65714 | None |
| Frank Orellana | State Farm | 5529 S Campbell Avenue, Springfield, 65810-2672 | 417-882-1409 |
| Kenny Teague Csp Lutcf | Farmers | 302 E Republic Rd, Springfield, 65807 | (417) 889-1212 |
| Ron Anderson Insurance Agency | None | 2317 S Campbell Ave, Springfield, 65807 | None |
| Ron Anderson Ins Agency | Travelers | 2317 S CAMPBELL AVENUE, SPRINGFIELD, 65807 | 417-877-9258 |
| Jennifer Hazelrigg | State Farm | 2101 W. Chesterfield Blvd., Springfield, 65807 | 417-881-2337 |
| Patrick Shikany Lutcf | Farmers | 1658 E Saint Louis St, Springfield, 65802 | (417) 865-9627 |
Springfield, MO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$55 | $1,315 |
| Driver's Failure In Showing Documents | +$122 | $1,382 |
| Driving With An Expired Registration | +$130 | $1,390 |
| Driving At A Considerably Slow Pace | +$273 | $1,533 |
| Using A Cellphone While Driving | +$289 | $1,549 |
| Running A Red Light | +$294 | $1,554 |
| Speeding | +$309 | $1,569 |
| Driving A Vehicle Without The Required Permission | +$392 | $1,652 |
| Driving With An Expired/Suspended License | +$849 | $2,109 |
Springfield, MO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,210 |
| Active Disabling Device | $1,210 |
| Tracking Device | $1,184 |
| Passive Disabling Device | $1,172 |
Latest Auto Insurance Reviews in Springfield, MO | Back to Top
Farmer's InsuranceThis insurance company cover $25k accident cover per occurrence and premium about $1900 per year to cover 2 cars with 2 drivers. Per accidents happen need to pay $1000.
The HartfordI have used Hartford for about a year and just recently purchased a new car. It was so simple switching over the coverage. The customer service rep couldn't have made it easier.
State FarmThe policies offered by this company really aren't any different than any other insurance company and I switched to them simple to have a local representative and because they offered the best price.
AaaAAA Vehicle Insurance Premiums are among the lowest in the industry. When compared to similar insurance companies, AAA often ranks in the top 3 cheapest premiums in the industry.
AaaAAA Vehicle Insurance Premiums are among the lowest in the industry. When compared to similar insurance companies, AAA often ranks in the top 3 cheapest premiums in the industry.
Ashley Swegle AgencyI am very satisfied with the premium because it is excellent and is always at the service of the company's customers.
State FarmThere isn't anything that I really dislike about the company. So far they have been nothing but good to me, filing claims is extremely easy, and they always genuinely have the customers best interest at heart.
State FarmTHE ONLY THING I DISLIKE ABOUT STATE FARM IS THE PREMIUM. SOMETIMES YOU CAN GET DISCOUNTS THAT WILL LOWER IT.
ProgressiveI like that they have an app where I can see all of my information, make a claim and pay my premium
Safe Auto InsuranceMy insurance company is adequate for my needs. My insurance company provides my with a safety net in case something happens.
ProgressiveI like that they're based in Ohio which is where I'm from. I like that they have a pretty simplified approach which isn't overly complicated and makes the process easy to navigate.