- Springfield car insurance rates average $2,518 per year for full coverage, or approximately $210 on a monthly basis.
- Springfield auto insurance costs $180 per year less than the Missouri state average rate and $297 per year more than the U.S. national average.
- Car insurance rates for a few popular vehicles in Springfield include the Ford F150 at $2,816 per year, Mazda CX-5 at $2,052, and GMC Sierra at $2,778.
- Crossover vehicles like the Nissan Kicks, Kia Soul, Buick Envision, and Buick Encore are the top choices for cheap car insurance in Springfield.
- A few vehicles with the cheapest auto insurance in Springfield in their automotive segment include the Acura Integra ($2,240 per year), Nissan Titan ($2,354 per year), Chevrolet Colorado ($2,216 per year), and Jaguar E-Pace ($2,352 per year).
What is average car insurance cost in Springfield?
Average car insurance rates in Springfield cost $2,518 per year, or around $210 per month. When compared to the overall U.S. national average rate, Springfield car insurance cost is 12.5% more expensive per year.
In the state of Missouri, average car insurance cost is $2,698 per year, so the average cost in Springfield is $180 less per year. When compared to other cities in Missouri, the average cost of insurance in Springfield is approximately $304 per year cheaper than in Kansas City, $28 per year more than in Columbia, and $186 per year cheaper than in Independence.
The next chart displays additional costs for drivers age 20 to 60 by showing a range of rates based on a variety of different driver ages, policy deductibles, and risk profiles.

Average rates in the chart above range from $2,090 per year for a 40-year-old driver who meets many discount requirements to $5,792 per year for a 20-year-old driver with too many driving violations or at-fault accidents. The rate used in this article to compare different vehicles or locations is the 40-year-old safe driver rate, which has an average cost of $2,518 per year in Springfield.
As a monthly expense, car insurance in Springfield ranges from $174 to $483 for the risk profiles shown in the chart above.
Car insurance rates can be extremely variable and are impacted by a lot of factors. Due to the high likelihood of rate variability, this increases the need to get multiple auto insurance quotes when shopping for the cheapest rate.
The age of the rated driver is the factor that has the most impact on the price of auto insurance, so the list below details how age impacts cost by showing average car insurance rates in Springfield depending on driver age.
Average car insurance cost for Springfield drivers age 16 to 60
- 16 year old – $8,965 per year or $747 per month
- 17 year old – $8,684 per year or $724 per month
- 18 year old – $7,785 per year or $649 per month
- 19 year old – $7,090 per year or $591 per month
- 20 year old – $5,062 per year or $422 per month
- 30 year old – $2,686 per year or $224 per month
- 40 year old – $2,518 per year or $210 per month
- 50 year old – $2,232 per year or $186 per month
- 60 year old – $2,090 per year or $174 per month
The rates in the list above for average cost of car insurance for teen drivers were based on the rated driver being male. The next chart shows average teen driver car insurance rates by gender. In general, female drivers tend to have cheaper auto insurance, especially as teenagers.

Car insurance for a female 16-year-old driver in Springfield costs an average of $587 less per year than the cost for a male driver, while at age 19, the cost difference is significantly less but still $1,096 per year.
The cost to insure popular vehicles in Springfield, Missouri
The previously referenced car insurance rates are averaged for all 2024 vehicle models, which is handy when making overall comparisons like the cost for different driver ages or locations.
Average auto insurance rates work very well for answering questions like “is car insurance in Springfield cheaper than St Louis?” or “are Missouri car insurance rates cheaper than in Texas?”.
But for more useful auto insurance rate comparisons, the data will be more precise if we analyze the exact make and model of vehicle being insured. Each individual model has different risk exposures for calculating the cost of auto insurance and this data enables detailed insurance cost comparisons.
This next chart shows average car insurance rates in Springfield for some of the more popular cars, trucks, and SUVs. Later in this article, we explore additional situations that affect the cost of insuring some of these vehicles in more detail.

Models popular with drivers in Springfield tend to be small or midsize cars like the Nissan Sentra, Volkswagen Jetta, and Toyota Camry and compact or midsize SUVs like the Nissan Rogue and Toyota Highlander.
A few additional popular vehicles in Springfield, MO, from other segments include luxury cars like the Acura ILX, Infiniti Q50, and BMW 530i, luxury SUVs like the Cadillac XT5, BMW X5, and Lexus RX 350, and pickup trucks like the Ford Ranger, Ford F-150, and Ram 1500.
We explore rates for many more vehicles a little later in this article, but before that, let’s review some of the general concepts that were covered so far.
- Car insurance for a teenager can be expensive – Rates can range from $5,994 to $8,965 per year for teenage driver insurance in Springfield.
- Auto insurance rates drop substantially in your twenties – The average 30-year-old Springfield driver will pay $2,376 less each year than a 20-year-old driver, $2,686 compared to $5,062.
- Springfield average car insurance cost is more than the U.S. average – $2,518 (Springfield average) compared to $2,221 (U.S. average)
- Low deductible car insurance costs more – A 20-year-old driver pays an average of $1,350 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
- Springfield car insurance prices are cheaper than the Missouri state average – $2,518 (Springfield average) versus $2,698 (Missouri average)
Which autos have the cheapest car insurance in Springfield?
The vehicles with the best auto insurance prices in Springfield, MO, tend to be crossovers and small SUVs like the Subaru Crosstrek, Kia Soul, and Buick Envision.
Average insurance rates for those small SUVs cost $170 or less per month to get full coverage.
Examples of other models that have low-cost car insurance prices in the cost comparison table below are the Buick Encore, Ford Bronco Sport, Subaru Outback, and Honda CR-V. The average cost is marginally higher for those models than the crossovers and compact SUVs at the top of the rankings, but they still have an average insurance cost of $2,190 or less per year.
The next table details the top 20 models with the cheapest car insurance rates in Springfield, sorted by annual and monthly insurance cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $1,860 | $155 |
2 | Chevrolet Trailblazer | $1,892 | $158 |
3 | Kia Soul | $1,964 | $164 |
4 | Nissan Kicks | $1,982 | $165 |
5 | Honda Passport | $2,004 | $167 |
6 | Buick Envision | $2,016 | $168 |
7 | Toyota Corolla Cross | $2,028 | $169 |
8 | Hyundai Venue | $2,044 | $170 |
9 | Mazda CX-5 | $2,052 | $171 |
10 | Ford Bronco Sport | $2,062 | $172 |
11 | Volkswagen Tiguan | $2,082 | $174 |
12 | Acura RDX | $2,104 | $175 |
13 | Nissan Murano | $2,116 | $176 |
14 | Buick Encore | $2,140 | $178 |
15 | Subaru Outback | $2,144 | $179 |
16 | Honda CR-V | $2,146 | $179 |
17 | Buick Envista | $2,152 | $179 |
18 | Volkswagen Taos | $2,156 | $180 |
19 | Kia Niro | $2,168 | $181 |
20 | Toyota GR Corolla | $2,186 | $182 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MO Zip Codes. Updated June 27, 2025
The above table containing 20 vehicle rankings is great if you’re just wanting the lowest rates. A more thorough way to group and rank auto insurance rates in a coherent manner is to organize them by segment.
This next article section details the cost of insurance based on different automotive segments. The average rates shown in the chart should provide a better understanding of the general vehicle types that have the overall most affordable Springfield auto insurance rates. After the chart, the next sections will break out the cheapest rates for individual models for each segment.
Springfield auto insurance rates by vehicle segment
If you’re shopping for a new or “new to you” vehicle, it’s useful to know which kinds of vehicles are more affordable to insure.
To illustrate this, many people wonder if compact SUVs have cheaper insurance than midsize SUVs or if regular SUVs cost less to insure than luxury SUVs.
The next chart displays the average cost of car insurance rates in Springfield for different vehicle segments. From an overall average perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks have the least expensive average auto insurance rates, with exotic performance models having the most expensive rates.

Rates by segment are practical for general comparisons, but cost ranges substantially within each vehicle category shown in the above chart.
For example, in the small luxury car segment, Springfield insurance rates range from the Acura Integra at $2,240 per year to the BMW M340i at $3,074 per year.
For another example, in the sports car segment, the cost of insurance ranges from the Mazda MX-5 Miata at $2,330 per year to the Mercedes-Benz SL 63 costing $5,172 per year, a difference of $2,842 within that segment.
In these next sections, we reduce this variability by comparing the cost of car insurance in Springfield on a model level.
Cheapest cars to insure in Springfield, Missouri
Out of all 2024 models, the top five most budget-friendly sedans and hatchbacks to insure in Springfield are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Auto insurance rates for these vehicles range from $2,186 to $2,314 per year.
Other cars that have cheaper rates include the Toyota Corolla, Honda Accord, Chevrolet Malibu, and Toyota Prius, with average rates of $2,454 per year or less.
Ranked from 10th to 20th place, cars like the Toyota Crown, Subaru Legacy, Mazda 3, Mitsubishi Mirage G4, and Hyundai Ioniq 6 average between $2,454 and $2,602 per year for insurance in Springfield.
On a monthly basis, auto insurance on this segment in Springfield for a safe driver starts at around $182 per month, depending on the company and your location.
The cheapest non-luxury compact car to insure in Springfield is the Toyota GR Corolla at $2,186 per year. For midsize cars, the Kia K5 has the best rates at $2,424 per year. And for large cars, the Chrysler 300 is most affordable to insure at $2,398 per year.
The rate comparison table below ranks the cars with the cheapest average insurance rates in Springfield, starting with the Toyota GR Corolla at $2,186 per year ($182 per month) and ending with the Mazda 3 at $2,602 per year ($217 per month).
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $2,186 | $182 |
Nissan Leaf | Compact | $2,202 | $184 |
Honda Civic | Compact | $2,228 | $186 |
Nissan Sentra | Compact | $2,306 | $192 |
Subaru Impreza | Compact | $2,314 | $193 |
Toyota Prius | Compact | $2,352 | $196 |
Kia K5 | Midsize | $2,424 | $202 |
Honda Accord | Midsize | $2,430 | $203 |
Chevrolet Malibu | Midsize | $2,440 | $203 |
Toyota Corolla | Compact | $2,454 | $205 |
Kia Forte | Compact | $2,458 | $205 |
Volkswagen Arteon | Midsize | $2,472 | $206 |
Nissan Versa | Compact | $2,480 | $207 |
Subaru Legacy | Midsize | $2,484 | $207 |
Hyundai Ioniq 6 | Midsize | $2,506 | $209 |
Mitsubishi Mirage G4 | Compact | $2,540 | $212 |
Volkswagen Jetta | Compact | $2,546 | $212 |
Toyota Crown | Midsize | $2,548 | $212 |
Hyundai Sonata | Midsize | $2,554 | $213 |
Mazda 3 | Compact | $2,602 | $217 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MO Zip Codes. Updated June 27, 2025
For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Looking for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Springfield car insurance quotes from the best companies in Missouri.
Cheapest SUVs to insure in Springfield
When comparing 2024 models, the top five most budget-friendly SUVs to insure in Springfield are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Average rates for for these five models range from $1,860 to $2,004 per year.
Additional models that have cheaper rates include the Mazda CX-5, Ford Bronco Sport, Buick Envision, and Hyundai Venue, with an average cost of $2,062 per year or less.
Car insurance in this segment for a good driver will start around $155 per month, depending on your location.
The lowest-cost non-luxury compact SUV to insure in Springfield is the Subaru Crosstrek at $1,860 per year. For midsize 2024 SUV models, the Honda Passport has the best rates at $2,004 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the best rates at $2,366 per year.
The comparison table below ranks the SUVs with the most affordable insurance rates in Springfield.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $1,860 | $155 |
Chevrolet Trailblazer | Compact | $1,892 | $158 |
Kia Soul | Compact | $1,964 | $164 |
Nissan Kicks | Compact | $1,982 | $165 |
Honda Passport | Midsize | $2,004 | $167 |
Buick Envision | Compact | $2,016 | $168 |
Toyota Corolla Cross | Compact | $2,028 | $169 |
Hyundai Venue | Compact | $2,044 | $170 |
Mazda CX-5 | Compact | $2,052 | $171 |
Ford Bronco Sport | Compact | $2,062 | $172 |
Volkswagen Tiguan | Compact | $2,082 | $174 |
Nissan Murano | Midsize | $2,116 | $176 |
Buick Encore | Compact | $2,140 | $178 |
Subaru Outback | Midsize | $2,144 | $179 |
Honda CR-V | Compact | $2,146 | $179 |
Buick Envista | Midsize | $2,152 | $179 |
Volkswagen Taos | Compact | $2,156 | $180 |
Kia Niro | Compact | $2,168 | $181 |
Honda HR-V | Compact | $2,190 | $183 |
Subaru Ascent | Midsize | $2,190 | $183 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MO Zip Codes. Updated June 27, 2025
For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Need rates for a different SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Springfield car insurance quotes from the best companies in Missouri.
Cheapest luxury cars to insure in Springfield
The Acura Integra ranks #1 as the cheapest luxury car model to insure in Springfield, followed closely by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model has an average cost of $2,240 per year for full-coverage insurance.
Other models that have cheaper rates include the Lexus ES 350, Mercedes-Benz AMG CLA35, Genesis G70, and Cadillac CT4, with average cost of $2,648 per year or less.
Additional luxury cars that rank well include the Lexus IS 350, Lexus ES 300h, BMW 330e, and Audi S3, which average between $2,648 and $2,824 per year for insurance in Springfield.
Full-coverage car insurance for this segment in Springfield for a middle-age safe driver starts at around $187 per month, depending on your location.
The cheapest small luxury car to insure in Springfield is the Acura Integra at $2,240 per year. For midsize luxury cars, the Mercedes-Benz CLA250 has the cheapest rates at $2,592 per year. And for full-size models, the Audi A5 is most affordable to insure at $2,990 per year.
The comparison table below ranks the cars with the cheapest car insurance in Springfield, starting with the Acura Integra at $187 per month and ending with the Audi S3 at $235 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $2,240 | $187 |
BMW 330i | Compact | $2,564 | $214 |
Mercedes-Benz CLA250 | Midsize | $2,592 | $216 |
Lexus IS 300 | Midsize | $2,594 | $216 |
Acura TLX | Compact | $2,606 | $217 |
Lexus ES 350 | Midsize | $2,628 | $219 |
Cadillac CT4 | Compact | $2,630 | $219 |
Genesis G70 | Compact | $2,636 | $220 |
Mercedes-Benz AMG CLA35 | Midsize | $2,642 | $220 |
Lexus RC 300 | Midsize | $2,648 | $221 |
Lexus IS 350 | Compact | $2,658 | $222 |
Jaguar XF | Midsize | $2,666 | $222 |
Cadillac CT5 | Midsize | $2,712 | $226 |
Lexus ES 250 | Midsize | $2,724 | $227 |
BMW 330e | Compact | $2,732 | $228 |
Lexus RC 350 | Compact | $2,732 | $228 |
BMW 228i | Compact | $2,738 | $228 |
BMW 230i | Compact | $2,758 | $230 |
Lexus ES 300h | Midsize | $2,764 | $230 |
Audi S3 | Compact | $2,824 | $235 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MO Zip Codes. Updated June 27, 2025
For more luxury car insurance comparisons, see our complete guide for luxury car insurance.
Is your vehicle not in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Springfield car insurance quotes from top-rated auto insurance companies in Missouri.
Cheapest luxury SUVs to insure in Springfield
For 2024 models, the five cheapest non-luxury SUVs to insure in Springfield are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Rates for for these five models range from $2,104 to $2,376 per year.
Not the cheapest luxury SUVs to insure, but still affordable, are models like the Lexus NX 450h, Lincoln Corsair, Lexus NX 350h, and Lexus UX 250h, with an average car insurance cost of $2,428 per year or less.
From a cost per month standpoint, auto insurance rates in Springfield on this segment for the average driver can cost as low as $175 per month, depending on the company and where you live. The rate comparison table below ranks the twenty SUVs with the cheapest car insurance rates in Springfield, starting with the Acura RDX at $2,104 per year ($175 per month) and ending with the Lexus RX 350 at $2,526 per year ($211 per month).
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $2,104 | $175 |
Lexus NX 250 | Compact | $2,228 | $186 |
Cadillac XT4 | Compact | $2,274 | $190 |
Jaguar E-Pace | Midsize | $2,352 | $196 |
Cadillac XT5 | Midsize | $2,376 | $198 |
Lexus NX 350h | Compact | $2,376 | $198 |
Lincoln Corsair | Compact | $2,406 | $201 |
Mercedes-Benz GLB 250 | Compact | $2,410 | $201 |
Lexus UX 250h | Compact | $2,414 | $201 |
Lexus NX 450h | Compact | $2,428 | $202 |
Infiniti QX50 | Midsize | $2,444 | $204 |
Mercedes-Benz GLA250 | Compact | $2,456 | $205 |
Cadillac XT6 | Midsize | $2,462 | $205 |
Mercedes-Benz GLA35 AMG | Compact | $2,464 | $205 |
Infiniti QX60 | Midsize | $2,474 | $206 |
Mercedes-Benz AMG GLB35 | Midsize | $2,482 | $207 |
Land Rover Evoque | Compact | $2,514 | $210 |
Acura MDX | Midsize | $2,516 | $210 |
Lexus NX 350 | Compact | $2,526 | $211 |
Lexus RX 350 | Midsize | $2,526 | $211 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MO Zip Codes. Updated June 27, 2025
See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.
Don’t see your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Springfield car insurance quotes from the best auto insurance companies in Missouri.
Cheapest sports cars to insure in Springfield
In our comparison, the top five cheapest sports cars to insure in Springfield are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Average rates for for these models range from $2,330 to $2,824 per year.
Also ranking in the top 10 are models like the BMW M2, Toyota GR Supra, Nissan Z, and Lexus RC F, with average annual insurance rates of $3,010 per year or less.
Some additional models that make the list include the Porsche Taycan, BMW M3, Porsche 911, Chevrolet Camaro, and Porsche 718, which cost between $3,010 and $4,264 per year for auto insurance.
As a cost per month, full-coverage auto insurance in this segment for a good driver will start around $194 per month, depending on the company and your location.
The rate comparison table below ranks the sports cars with the most affordable auto insurance rates in Springfield, starting with the Mazda MX-5 Miata at $2,330 per year and ending with the Porsche Taycan at $4,264 per year.
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $2,330 | $194 |
Toyota GR86 | Sports Car | $2,654 | $221 |
Ford Mustang | Sports Car | $2,766 | $231 |
BMW Z4 | Sports Car | $2,780 | $232 |
Subaru WRX | Sports Car | $2,824 | $235 |
Toyota GR Supra | Sports Car | $2,828 | $236 |
BMW M2 | Sports Car | $2,908 | $242 |
Nissan Z | Sports Car | $2,916 | $243 |
Lexus RC F | Sports Car | $2,976 | $248 |
Subaru BRZ | Sports Car | $3,010 | $251 |
BMW M3 | Sports Car | $3,180 | $265 |
Porsche 718 | Sports Car | $3,242 | $270 |
Chevrolet Camaro | Sports Car | $3,272 | $273 |
Chevrolet Corvette | Sports Car | $3,486 | $291 |
Porsche 911 | Sports Car | $3,606 | $301 |
BMW M4 | Sports Car | $3,758 | $313 |
Lexus LC 500 | Sports Car | $3,776 | $315 |
Jaguar F-Type | Sports Car | $3,970 | $331 |
Mercedes-Benz AMG GT53 | Sports Car | $4,168 | $347 |
Porsche Taycan | Sports Car | $4,264 | $355 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MO Zip Codes. Updated June 27, 2025
Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Missouri.
Cheapest pickup insurance rates in Springfield
The four cheapest pickups to insure in Springfield are the Chevrolet Colorado at $2,216 per year, Nissan Titan at $2,354 per year, Nissan Frontier at $2,382 per year, and Ford Ranger at $2,404 per year.
Additional models that rank well are the Toyota Tacoma, Hyundai Santa Cruz, GMC Sierra 2500 HD, and Honda Ridgeline, with average annual insurance rates of $2,590 per year or less.
Auto insurance in this segment for an average middle-age driver starts at around $185 per month, depending on your company and location. The next table ranks the twenty pickups with the most affordable average auto insurance rates in Springfield, starting with the Chevrolet Colorado at $2,216 per year ($185 per month) and ending with the Ram Truck at $2,912 per year ($243 per month).
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $2,216 | $185 |
Nissan Titan | Full-size | $2,354 | $196 |
Nissan Frontier | Midsize | $2,382 | $199 |
Ford Ranger | Midsize | $2,404 | $200 |
Ford Maverick | Midsize | $2,440 | $203 |
Honda Ridgeline | Midsize | $2,498 | $208 |
Hyundai Santa Cruz | Midsize | $2,538 | $212 |
Toyota Tacoma | Midsize | $2,550 | $213 |
GMC Sierra 2500 HD | Heavy Duty | $2,560 | $213 |
GMC Canyon | Midsize | $2,590 | $216 |
Jeep Gladiator | Midsize | $2,652 | $221 |
GMC Sierra 3500 | Heavy Duty | $2,666 | $222 |
Chevrolet Silverado HD 3500 | Heavy Duty | $2,690 | $224 |
Chevrolet Silverado HD 2500 | Heavy Duty | $2,764 | $230 |
GMC Sierra | Full-size | $2,778 | $232 |
Chevrolet Silverado | Full-size | $2,782 | $232 |
Nissan Titan XD | Heavy Duty | $2,782 | $232 |
Ford F150 | Full-size | $2,816 | $235 |
GMC Hummer EV Pickup | Full-size | $2,888 | $241 |
Ram Truck | Full-size | $2,912 | $243 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MO Zip Codes. Updated June 26, 2025
For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Don’t see insurance cost for your pickup? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Springfield car insurance quotes from the best auto insurance companies in Missouri.
What to expect when buying car insurance
To help you understand how much the cost of a car insurance policy can fluctuate from one driver to the next, the sections below show multiple rates for five popular models in Springfield: the Chevrolet Silverado, Honda Civic, Toyota RAV4, Honda Accord, and Toyota Supra.
Each chart shows average rates for different profiles to demonstrate the price fluctuation when using different driver profiles.
Chevrolet Silverado insurance rates
Chevrolet Silverado insurance in Springfield costs an average of $2,782 per year ($232 per month) and ranges from $2,306 to $6,462 annually.

The Chevrolet Silverado is considered a full-size truck, and additional similar models from the same segment include the Toyota Tundra, Ram Truck, and Nissan Titan.
Honda Civic insurance rates
Insurance for a Honda Civic in Springfield costs an average of $2,228 per year ($186 per month) and has a range of $1,854 to $5,060 per year.

The Honda Civic belongs to the compact car segment, and other popular models include the Nissan Sentra, Volkswagen Jetta, Toyota Corolla, and Hyundai Elantra.
Toyota RAV4 insurance rates
Toyota RAV4 insurance in Springfield averages $2,320 per year ($193 per month) and has a range of $1,930 to $5,342 per year.

The Toyota RAV4 is classified as a compact SUV, and other popular models in the same segment include the Chevrolet Equinox, Subaru Forester, and Honda CR-V.
Honda Accord insurance rates
Insurance for a Honda Accord in Springfield costs an average of $2,430 per year ($203 per month) and varies from $2,020 to $5,590 per year.

The Honda Accord is a midsize car, and other top-selling models from the same segment include the Nissan Altima, Toyota Camry, Kia K5, and Chevrolet Malibu.
Toyota Supra insurance rates
Auto insurance for a Toyota Supra in Springfield averages $2,746 per year, or around $229 per month, and has a range of $2,126 to $5,872 annually for the driver ages and coverage limits in the next insurance cost chart.

The Toyota Supra belongs to the sports car segment, and other similar models from the same segment include the Nissan 370Z, Subaru BRZ, Chevrolet Corvette, and Chevrolet Camaro.
Saving money on auto insurance
Financially savvy drivers in Springfield should always be searching for ways to pay less for insurance, so take a minute to read through the savings concepts in this next list and maybe you’ll be able to save a few bucks on your next policy.
- Get cheaper rates because of your profession. Just about all car insurance companies offer discounts for being employed in occupations like members of the military, doctors, emergency medical technicians, nurses, scientists, and others. If you can qualify for this discount, you could potentially save between $76 and $245 on your auto insurance bill, subject to policy limits.
- Increasing deductibles lowers insurance cost. Raising your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
- Keep your claim-free discount. Auto insurance companies offer discounts for not filing any claims. Auto insurance should be used to protect you from large financial hits, not minor claims that should be paid out-of-pocket.
- Reduce coverage on older cars. Dropping comprehensive and collision coverage from vehicles that are older can cut the cost of car insurance considerably.
- Shop around for better prices. Taking 5-10 minutes before every policy renewal to get free car insurance quotes is our best recommendation for saving money. Rates change often and switching to a different company is very easy to do.
- Be a responsible driver and save. Having multiple accidents could cost you more, possibly up to $3,596 per year for a 20-year-old driver and even $614 per year for a 60-year-old driver. So drive safe and save!
- Compare rates before you buy the car. Different cars can have significantly different car insurance rates, and auto insurance companies can sell coverages with a wide range of prices. Get quotes to compare the cost of insurance before you buy a new car so you can avoid insurance sticker shock when buying coverage for your new car.