Springfield, MO Car Insurance – Cheapest Rates Compared (2025)

We compared auto insurance rates for over 150 cars, pickups, and SUVs to find the cheapest car insurance quotes in Springfield, MO.

Start a Free QuoteCompare Springfield car insurance quotes and save on your next policy.

  • 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 car insurance rates in Springfield for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Springfield for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Springfield includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Springfield, MO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,792$483
Safe Driver Age 20$5,062$422
At-fault Accidents Age 40$3,564$297
Low Deductibles Age 40$3,294$275
Safe Driver Age 30$2,686$224
Safe Driver Age 40$2,518$210
Safe Driver Age 50$2,232$186
High Deductibles Age 40$2,118$177
Safe Driver Age 60$2,090$174
Discount Rate Age 40$2,090$174

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

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.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Springfield includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Springfield, MO for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$8,965$8,378
17-Year-Old$8,684$8,327
18-Year-Old$7,785$7,181
19-Year-Old$7,090$5,994

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

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 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.

Average cost to insure popular 2024 model year vehicles in Springfield.
Figure 3: Average cost to insure popular 2024 model year vehicles in Springfield. Rates updated on June 27, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Springfield Zip Codes.

Springfield, Missouri Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$2,146$179
Nissan Rogue$2,262$189
Chevrolet Equinox$2,316$193
Toyota RAV4$2,320$193
Hyundai Tucson$2,342$195
Chevrolet Traverse$2,348$196
Honda Accord$2,430$203
Jeep Grand Cherokee$2,516$210
Toyota 4Runner$2,700$225
Toyota Camry$2,704$225
Chevrolet Silverado$2,782$232
Ford F150$2,816$235
Ram Truck$2,912$243
Chevrolet Corvette$3,486$291

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 for the 2024 model year and also for all Springfield, MO Zip Codes. Updated June 27, 2025

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.

Top 20 Cheapest Automobiles to Insure in Springfield, MO
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,860$155
2Chevrolet Trailblazer$1,892$158
3Kia Soul$1,964$164
4Nissan Kicks$1,982$165
5Honda Passport$2,004$167
6Buick Envision$2,016$168
7Toyota Corolla Cross$2,028$169
8Hyundai Venue$2,044$170
9Mazda CX-5$2,052$171
10Ford Bronco Sport$2,062$172
11Volkswagen Tiguan$2,082$174
12Acura RDX$2,104$175
13Nissan Murano$2,116$176
14Buick Encore$2,140$178
15Subaru Outback$2,144$179
16Honda CR-V$2,146$179
17Buick Envista$2,152$179
18Volkswagen Taos$2,156$180
19Kia Niro$2,168$181
20Toyota 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

Top 20 cheapest vehicles to insure in Springfield, MO with the Subaru Crosstrek ranking first at $1,860 per year
Top 20 cheapest vehicles to insure in Springfield, MO with the Subaru Crosstrek ranking first at $1,860 per year

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.

Car insurance average cost by automotive segment in Springfield, MO.
Figure 4: Car insurance average cost by automotive segment in Springfield, MO. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Springfield Zip Codes.

Car Insurance Rates by Automotive Segment in Springfield, MO
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,312$193
Midsize SUV$2,484$207
Compact Car$2,486$207
Minivan$2,492$208
Midsize Pickup$2,542$212
Midsize Car$2,566$214
Compact Luxury SUV$2,730$228
Compact Luxury Car$2,768$231
Large SUV$2,778$232
Half-ton Pickup$2,790$233
Heavy Duty Pickup$2,896$241
Midsize Luxury SUV$2,990$249
Midsize Luxury Car$3,088$257
Sports Car$3,462$289
Large Car$3,622$302
Large Luxury SUV$3,896$325
Large Luxury Car$4,026$336

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 2024 model year vehicles and also for all Springfield, MO Zip Codes. Updated June 27, 2025

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).

Cheapest Insurance for Cars in Springfield, Missouri
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,186$182
Nissan LeafCompact$2,202$184
Honda CivicCompact$2,228$186
Nissan SentraCompact$2,306$192
Subaru ImprezaCompact$2,314$193
Toyota PriusCompact$2,352$196
Kia K5Midsize$2,424$202
Honda AccordMidsize$2,430$203
Chevrolet MalibuMidsize$2,440$203
Toyota CorollaCompact$2,454$205
Kia ForteCompact$2,458$205
Volkswagen ArteonMidsize$2,472$206
Nissan VersaCompact$2,480$207
Subaru LegacyMidsize$2,484$207
Hyundai Ioniq 6Midsize$2,506$209
Mitsubishi Mirage G4Compact$2,540$212
Volkswagen JettaCompact$2,546$212
Toyota CrownMidsize$2,548$212
Hyundai SonataMidsize$2,554$213
Mazda 3Compact$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

Ranking of the cheapest compact, midsize, and large cars to insure in Springfield, MO, with the Toyota GR Corolla ranking first at $2,186 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Springfield, MO, with the Toyota GR Corolla ranking first at $2,186 per year.

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.

Cheapest Insurance for SUVs in Springfield, Missouri
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,860$155
Chevrolet TrailblazerCompact$1,892$158
Kia SoulCompact$1,964$164
Nissan KicksCompact$1,982$165
Honda PassportMidsize$2,004$167
Buick EnvisionCompact$2,016$168
Toyota Corolla CrossCompact$2,028$169
Hyundai VenueCompact$2,044$170
Mazda CX-5Compact$2,052$171
Ford Bronco SportCompact$2,062$172
Volkswagen TiguanCompact$2,082$174
Nissan MuranoMidsize$2,116$176
Buick EncoreCompact$2,140$178
Subaru OutbackMidsize$2,144$179
Honda CR-VCompact$2,146$179
Buick EnvistaMidsize$2,152$179
Volkswagen TaosCompact$2,156$180
Kia NiroCompact$2,168$181
Honda HR-VCompact$2,190$183
Subaru AscentMidsize$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

Ranking of the cheapest compact, midsize, and large SUVs to insure in Springfield, MO, with the Subaru Crosstrek ranking first at $1,860 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Springfield, MO, with the Subaru Crosstrek ranking first at $1,860 per year.

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.

Cheapest Insurance for Luxury Cars in Springfield, Missouri
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,240$187
BMW 330iCompact$2,564$214
Mercedes-Benz CLA250Midsize$2,592$216
Lexus IS 300Midsize$2,594$216
Acura TLXCompact$2,606$217
Lexus ES 350Midsize$2,628$219
Cadillac CT4Compact$2,630$219
Genesis G70Compact$2,636$220
Mercedes-Benz AMG CLA35Midsize$2,642$220
Lexus RC 300Midsize$2,648$221
Lexus IS 350Compact$2,658$222
Jaguar XFMidsize$2,666$222
Cadillac CT5Midsize$2,712$226
Lexus ES 250Midsize$2,724$227
BMW 330eCompact$2,732$228
Lexus RC 350Compact$2,732$228
BMW 228iCompact$2,738$228
BMW 230iCompact$2,758$230
Lexus ES 300hMidsize$2,764$230
Audi S3Compact$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

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Springfield, MO, with the Acura Integra ranking first at $2,240 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Springfield, MO, with the Acura Integra ranking first at $2,240 per year.

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).

Cheapest Insurance for Luxury SUVs in Springfield, Missouri
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,104$175
Lexus NX 250Compact$2,228$186
Cadillac XT4Compact$2,274$190
Jaguar E-PaceMidsize$2,352$196
Cadillac XT5Midsize$2,376$198
Lexus NX 350hCompact$2,376$198
Lincoln CorsairCompact$2,406$201
Mercedes-Benz GLB 250Compact$2,410$201
Lexus UX 250hCompact$2,414$201
Lexus NX 450hCompact$2,428$202
Infiniti QX50Midsize$2,444$204
Mercedes-Benz GLA250Compact$2,456$205
Cadillac XT6Midsize$2,462$205
Mercedes-Benz GLA35 AMGCompact$2,464$205
Infiniti QX60Midsize$2,474$206
Mercedes-Benz AMG GLB35Midsize$2,482$207
Land Rover EvoqueCompact$2,514$210
Acura MDXMidsize$2,516$210
Lexus NX 350Compact$2,526$211
Lexus RX 350Midsize$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

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Springfield, MO, with the Acura RDX ranking first at $2,104 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Springfield, MO, with the Acura RDX ranking first at $2,104 per year.

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.

Cheapest Insurance for Sports Cars in Springfield, Missouri
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,330$194
Toyota GR86Sports Car$2,654$221
Ford MustangSports Car$2,766$231
BMW Z4Sports Car$2,780$232
Subaru WRXSports Car$2,824$235
Toyota GR SupraSports Car$2,828$236
BMW M2Sports Car$2,908$242
Nissan ZSports Car$2,916$243
Lexus RC FSports Car$2,976$248
Subaru BRZSports Car$3,010$251
BMW M3Sports Car$3,180$265
Porsche 718Sports Car$3,242$270
Chevrolet CamaroSports Car$3,272$273
Chevrolet CorvetteSports Car$3,486$291
Porsche 911Sports Car$3,606$301
BMW M4Sports Car$3,758$313
Lexus LC 500Sports Car$3,776$315
Jaguar F-TypeSports Car$3,970$331
Mercedes-Benz AMG GT53Sports Car$4,168$347
Porsche TaycanSports 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

Ranking of the cheapest sports cars to insure in Springfield, MO, with the Mazda MX-5 Miata ranking first at $2,330 per year.
Ranking of the cheapest sports cars to insure in Springfield, MO, with the Mazda MX-5 Miata ranking first at $2,330 per year.

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).

Cheapest Insurance for Pickups in Springfield, Missouri
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,216$185
Nissan TitanFull-size$2,354$196
Nissan FrontierMidsize$2,382$199
Ford RangerMidsize$2,404$200
Ford MaverickMidsize$2,440$203
Honda RidgelineMidsize$2,498$208
Hyundai Santa CruzMidsize$2,538$212
Toyota TacomaMidsize$2,550$213
GMC Sierra 2500 HDHeavy Duty$2,560$213
GMC CanyonMidsize$2,590$216
Jeep GladiatorMidsize$2,652$221
GMC Sierra 3500Heavy Duty$2,666$222
Chevrolet Silverado HD 3500Heavy Duty$2,690$224
Chevrolet Silverado HD 2500Heavy Duty$2,764$230
GMC SierraFull-size$2,778$232
Chevrolet SilveradoFull-size$2,782$232
Nissan Titan XDHeavy Duty$2,782$232
Ford F150Full-size$2,816$235
GMC Hummer EV PickupFull-size$2,888$241
Ram TruckFull-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

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Springfield, MO, with the Chevrolet Colorado ranking first at $2,216 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Springfield, MO, with the Chevrolet Colorado ranking first at $2,216 per year.

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.

Average 2024 Chevrolet Silverado insurance premiums in Springfield for different driver ages and risk scenarios.
Figure 5: Average 2024 Chevrolet Silverado insurance premiums in Springfield for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Springfield includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Springfield, MO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,462$539
Safe Driver Age 20$5,650$471
At-fault Accidents Age 40$3,978$332
Low Deductibles Age 40$3,590$299
Safe Driver Age 30$2,962$247
Safe Driver Age 40$2,782$232
Safe Driver Age 50$2,474$206
High Deductibles Age 40$2,368$197
Safe Driver Age 60$2,314$193
Discount Rate Age 40$2,306$192

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 26, 2025

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.

Average 2024 Honda Civic insurance premiums in Springfield for different driver ages and risk scenarios.
Figure 6: Average 2024 Honda Civic insurance premiums in Springfield for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Springfield includes all Zip Codes and vehicle trim levels.

2024 Honda Civic Insurance Cost in Springfield, MO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,060$422
Safe Driver Age 20$4,420$368
At-fault Accidents Age 40$3,124$260
Low Deductibles Age 40$2,920$243
Safe Driver Age 30$2,378$198
Safe Driver Age 40$2,228$186
Safe Driver Age 50$1,978$165
High Deductibles Age 40$1,868$156
Discount Rate Age 40$1,854$155
Safe Driver Age 60$1,848$154

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated June 26, 2025

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.

Average 2024 Toyota RAV4 insurance premiums in Springfield for different driver ages and risk scenarios.
Figure 7: Average 2024 Toyota RAV4 insurance premiums in Springfield for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota RAV4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota RAV4 car insurance cost in Springfield includes all Zip Codes and vehicle trim levels.

2024 Toyota RAV4 Insurance Cost in Springfield, MO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,342$445
Safe Driver Age 20$4,670$389
At-fault Accidents Age 40$3,296$275
Low Deductibles Age 40$3,006$251
Safe Driver Age 30$2,472$206
Safe Driver Age 40$2,320$193
Safe Driver Age 50$2,064$172
High Deductibles Age 40$1,968$164
Safe Driver Age 60$1,930$161
Discount Rate Age 40$1,930$161

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota RAV4 trim levels. Updated June 26, 2025

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.

Average 2024 Honda Accord insurance premiums in Springfield for different driver ages and risk scenarios.
Figure 8: Average 2024 Honda Accord insurance premiums in Springfield for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Springfield includes all Zip Codes and vehicle trim levels.

2024 Honda Accord Insurance Cost in Springfield, MO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,590$466
Safe Driver Age 20$4,896$408
At-fault Accidents Age 40$3,434$286
Low Deductibles Age 40$3,200$267
Safe Driver Age 30$2,596$216
Safe Driver Age 40$2,430$203
Safe Driver Age 50$2,152$179
High Deductibles Age 40$2,034$170
Discount Rate Age 40$2,020$168
Safe Driver Age 60$2,016$168

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated June 27, 2025

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.

Average 2021 Toyota Supra insurance premiums in Springfield for different driver ages and risk scenarios.
Figure 9: Average 2021 Toyota Supra insurance premiums in Springfield for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2021 model year Toyota Supra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Supra car insurance cost in Springfield includes all Zip Codes and vehicle trim levels.

2021 Toyota Supra Insurance Cost in Springfield, MO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,872$489
Safe Driver Age 20$5,144$429
At-fault Accidents Age 40$3,618$302
Low Deductibles Age 40$3,348$279
Safe Driver Age 30$2,728$227
Safe Driver Age 40$2,556$213
Safe Driver Age 50$2,266$189
High Deductibles Age 40$2,150$179
Discount Rate Age 40$2,126$177
Safe Driver Age 60$2,120$177

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2021 Toyota Supra trim levels. Updated June 26, 2025

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.