Best Springfield, MO Auto Insurance in 2025 (Top 10 Companies Ranked)

The best Springfield, MO auto insurance companies are Liberty Mutual, Farmers, and American Family, with a monthly starting rate of only $25.

Liberty Mutual is renowned for its local agency presence and diverse savings modes. Farmers have extensive coverage options, from standard coverage to add-ons. American Family is best known for its family discounts, like generational savings. The table below lists more of the best cheap car insurance in Missouri.

Our Top 10 Company Picks: Best Springfield, MO Auto Insurance

Read this article and explore the best coverage that suits your needs while getting affordable rates.  Enter your ZIP code above to get a FREE insurance quote.

#1 – Liberty Mutual: Top Overall Pick

Pros

• Local Agency Presence: Liberty Mutual has offices in Springfield, like at 3556 S Culpepper Cit Ste 1, ensuring residents get in-person consultations.
• Diverse Discounts: Bundling, claims-free records, and driving habits have corresponding savings. Check how much you can save in your Liberty Mutual insurance review.
• User-Friendly Online Tools: A robust mobile app and website to easily manage policies, access ID cards, and file claims.

Cons

• RightTrack Program Backfire: Though offers discounts, poor driving habits can increase premiums instead.
• Limited SR-22 Coverage: Liberty Mutual does not always offer the SR-22, which is what high-risk drivers need.

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#2 – Farmers: Best for Experienced Agents

Pros

• Local Expert Agents: Farmers have potent agents who are experts in providing regional insights for insurance needs.
• Extensive Coverage Options: A wide range of plan options, such as comprehensive, liability, and specialized features. Learn about all these options in the Farmers auto insurance review.
• Several Savings Choices: Discounts on safety vehicles, good driving, and bundling can lead to big savings on premiums.

Cons

• Not Advanced Online Tools: Farmers’ mobile app has fewer features, and customers must rely more on direct agent support for claims and policy management.
• Price-Sensitive: Farmers have higher premiums compared to affordable car insurance in Missouri.

Pros

• Family Discounts: A 25% bundle discount and a generational discount allow parents to pass savings on to their children.
• Diverse Coverage Options: This option lets customers customize coverage and add-on choices. Learn more about this coverage in the American Family auto insurance review.
• Financially Stable for Claims: AM Best’s A rating proves its reliability in fulfilling claims for the best auto insurance in Missouri.

Cons

• Limited Policy Availability: The company primarily operates in 19 states and extends to other states through its subsidiaries, which may limit the plan’s flexibility.
• Less Competitive for High-Risk Drivers: Premiums for drivers with DUIs, accidents, or poor credit are higher than for average drivers.

#4 – State Farm: Best for Competitive Rates

Pros

• Competitive Rates: State Farm’s auto insurance review highlights its cost-efficiency offering of $30 monthly with several discounts to lower the base premiums.
• Nationwide Availability: Available in 50 states, providing consistency in coverage, best for those who relocate.
• Convenient Digital Tool: The mobile app allows policyholders to manage policies, file claims, and even request roadside assistance.

Cons

• Differing Premiums: Insurers consider many factors, like credit score and location, to determine premiums, resulting in varied rates per driver.
• Mixed Customer Experience: Customer service depends on local agencies, which may lead to inconsistency in customer service.

#5 – Geico: Best for Claims Satisfaction

Pros

• Reliable Claims: Rated by AM Best an A++ for its prompt claims and disbursements. Check the Geico auto insurance review for proof of quick claims.
• Budget-Friendly Rates: Geico insurance offers pocket-conscious rates across various regions.
• Numerous Valuable Discounts: Safe drivers, multi-vehicle owners, good students, defensive driving courses, and military employees are some of the savings options available.

Cons

• Limited Local Agents: Although it operates nationwide, Geico has fewer physical branches than its competitors.
• Sudden Price Hikes: Long-term customers suddenly get an increase of up to 25% on top of their usual bill.

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#6 – Nationwide: Best for Community-Centered Agents

Pros

• Community-Centered Agents: Nationwide is active in community projects and contributed $700 million to foundations to address critical societal needs.
• Superb Ratings: AM Best’s A+ rating proves the reliability of its claims. Read more about its prompt claims response in the Nationwide auto insurance review.
• Fewer Customer Complaints: A positive customer experience is tallied as fewer complaints are filed against them.

Cons

• Rates Variability: Nationwide’s rate is higher on specific demographics.
• Limited Policy Availability: A restriction on potential customers as it is not offered in a few states.

#7 – Travelers: Best for Bundling Discounts

Pros

• Bundling Incentives: A potential savings of 13% on premiums when purchasing other policies and car insurance.
• Financial Stability: Travelers insurance review proved it has established its financial strength for over 165 years in the industry in all 50 states.
• Customizable Car Policies: Rideshare, accident forgiveness, and new car replacement are the few to mention policies you can customize.

Cons

• Customer Satisfaction Concerns: Below-average satisfaction is due to delays in claims processing.
• Limited Offered Discounts: While discounts are available, they are not as many as those offered by other insurers like Geico and Progressive.

#8 – Progressive: Best for Snapshot Program

Pros

• Snapshot Program Perks: Discounts on participation, safe driving habits, and low-mileage or off-peak drivers.
• Extensive Network of Repair Shops: Ensures quick claims repairs with Progressive’s vast networks of affiliated auto repair shops in Springfield, MO.
• Broad Coverage Plans: Progressive offers comprehensive, liability and add-ons like gap, rideshare, and custom parts coverage. All plans are discussed in the Progressive auto insurance review.

Cons

• Privacy Issues: Some customers are concerned about their privacy due to the constant monitoring from the mobile app or vehicle-installed device.
• Potential Rate Hikes: Habits like hard braking and other high-risk behaviors cause an increase in policy renewal.

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#9 – Hartford: Best for AARP Benefits

Pros

• Exclusive AARP Benefits: Members can receive a 10% discount on their insurance premiums paving to affordable auto in Springfield, MO.
• Senior-Focused Perks: Disappearing deductibles and accident forgiveness are offered to senior dirvers to cater to their needs.
• Bundling Opportunities: An average of $813 savings when policyholders bundle auto and home insurance. Get more information on this policy in the Hartford auto insurance review.

Cons

• Membership Restrictions: AARP is only for members aged 50 and above.
• Premiums Increase: The reasons for the increase include age, claims history, location risk, credit score, inflation, and repair cost.

#10 – Allstate: Best for Accident Forgiveness

Pros

• Accident Forgiveness: No rate increase after an at-fault accident, saving up to 26% and lasting three to five years.
• Claims Satisfaction Guarantee: Allstate customer who is unsatisfied with their claims can be eligible for a refund or discount.
• Drivewise Program: A usage-based program that gives incentives to driving habits. Check the details in the Allstate auto insurance review.

Cons

• Additional Cost: An additional cost on top of your premiums ranging from 2% to 9% since accident forgiveness is an add-on.
• Strict Eligibility Requirement: Accident forgiveness requires a clean record, so drivers with recent accident r violations may not qualify.

Best Springfield, MO Auto Insurance Monthly Rates

When evaluating auto insurance in Springfield, MO, the first thing to do is check how much it will cost you monthly. The table below shows the monthly premiums of the top auto insurance companies for minimum and full coverage.

Springfield, MO Auto Insurance Monthly Rates by Provider & Coverage Level

The auto insurance rates in Springfield, MO, are not that high compared to other cities. Nationwide trumps the most affordable auto insurance with a starting minimum coverage rate of $25 monthly and $70 for full coverage.

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Top Providers and Discounts for the Best Springfield, MO Auto Insurance

After knowing the monthly premiums, you can take the next important step to lower these rates. Every auto insurance provider has a long list of discounts you can be eligible to save on your monthly recurring bills.

Auto Insurance Discounts From the Top Providers in Springfield, MO

The discounts listed are good ways to pay less on your premiums while ensuring protection for you and your vehicle. You can maximize these savings options by taking advantage of more than a single discount.

Proactively exploring discounts ensures both affordability and financial protection on the road by allowing drivers to reduce their insurance costs without compromising coverage quality.

Best Car Insurance in Springfield, MO

Liberty Mutual becomes the top overall pick for the best Springfield, MO auto insurance company as it consistently provides localized consultations for the best coverage and several options to lower the monthly premiums.

As it is known to most customers, bundling is the best way to have lower monthly rates. Make wise decisions and always consider your unique needs.

Springfield, Missouri, also known as the “Birthplace of Route 66,” is the third-largest metropolitan area in the state and has enjoyed a 5% population growth since the year 2000. Historically, Springfield was home to the Cherokee Indian tribe before Westerners settled the land, but today, Springfield has a thriving economy based on manufacturing, education, and retail.

Are you in need of cheap auto insurance in Springfield, MO? With AutoInsuranceEZ.com, you’ll find the most affordable insurance premiums where you live. To immediately acquire free auto insurance quotes in Springfield, input your ZIP code within the quote box here.

Auto Insurance Coverage Requirements in Missouri

The minimum coverage requirement in Springfield, Missouri, is 25/50/25. Missouri only requires motorists to hold mandatory liability and uninsured driver bodily injury coverage. Thus, drivers can save cash every month by buying minimal insurance.

Automotive Accidents

If you reside in a higher-traffic area well known for automobile accidents, chances are that the monthly rates will be affected by this danger by means of a greater payment. You can observe the fatal accident statistics for Springfield in the chart below. The amounts are extremely low compared to many areas, so companies in your area might instantly offer lower rates.

Fatal Accidents in Missouri

Missouri experienced 500 fatal accidents, resulting in 650 total fatalities, indicating that some crashes involved multiple deaths. DUI-related crashes accounted for 150 of these incidents, highlighting the significant impact of impaired driving.

Auto Thefts in Springfield

Obtaining low-cost automobile insurance can be tough if you are at risk for auto theft. Certain trendy car or truck models are alluring to thieves, as are cars or trucks that are frequently left in big metropolitan areas.

Your Driving Record

The greater the violations you’ve got on your record, the greater your chances will be to file claims that will lead your provider to ask you for more money. But when you’ve got a lot of citations or commit a significant breach – like Drunk driving – you might lose your coverage altogether. Also, look around for Accident Forgiveness discount rates should you have only a few minor violations on your record.

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Minor Car Insurance Factors in Springfield

Other than age, driving record, and vehicle type, factors affecting Springfield, Missouri’s auto insurance rates are negligible. Gender, driving distance, marital status, and annual kilometers may impact premium costs. These factors may not be as significant as the primary ones, but they vary among providers and still impact the overall insurance cost.

So, make an informed decision when buying auto insurance and know every detail that may affect it. Below are more factors that determine auto insurance near me.

Your Marital Status

If you’re a part of a couple, there’s great news: it can save you cash on your automotive insurance plans should you bundle them together with other policies.

As people, however, you will not save greatly being married versus having a single status.

Your Gender

Insurance provider data implies that there really is not a large improvement in risk from one gender to another. Most major companies no longer charge rates that are different according to gender. However, the couple of firms that still do only charge a 2 to 3% difference. Whether that difference punishes males or women largely depends on the organization that supplies the insurance policy.

Read more: Factors that affect your car insurance premium

Your Driving Distance to Work

Springfield is renowned for its delightfully short commute times, which can also help you find the cheapest auto insurance. A typical commute should only last 12-18 minutes, on average. Nearly 75% of motorists will drive their own car, while anywhere from 3% to 13% prefer to carpool.

For those who have your automobile for registration on your insurance plan, like a business vehicle, you will probably pay around 10% more, no matter how frequently you drive yearly. Total miles driven and your purpose on the highway (work/school/pleasure) will not change your monthly rates by greater than 1 to 2%.

Your Coverage and Deductibles

Clearly, somebody who only buys the state minimum mandatory coverage pays less monthly than the usual driver with a lot more coverage with their policy. If you think you’ll need more than the required minimum coverage but don’t wish to pay costly monthly rates, try raising your deductible. This is particularly economical for safe motorists who do not anticipate a necessity to file for multiple claims.

Education in Springfield, MO

Right around 30% of all Springfield motorists have achieved a high school diploma or some qualifying equivalent. Another 17% have at least one year or more of college experience. For those drivers looking to lower their vehicle insurance rates and earn an advanced degree, you can kill two birds with one stone by continuing your education. Providers often offer better deals to highly educated motorists, regardless of your job or how much you make each year.