Springfield Car Insurance

Springfield, MO Car Insurance

(And how to find an independent agent.)

The historic section of Springfield, Missouri. Find Springfield Missouri Car Insurance.

Springfield, Missouri, is called the "Queen City of the Ozarks" and is where Route 66 begins. With its population of 167,376, this is a growing town. 

If you own a car in Springfield, you'll need adequate protection. A local independent insurance agent can help with that. Connect with an agent to get started.

How Much Is Car Insurance in Springfield, MO?

Car insurance premiums are different for everyone. Your car policy rates will be figured on individual rating factors. If you have an idea of state and national averages, you can see how your costs fare.

Average Car Premiums:

  • National annual average: $2,305
  • Missouri annual average: $3,111

Car insurance premiums may be above or below these averages. Carriers will use the following factors to determine your insurance costs:

  • Your address
  • Your loss history
  • Local crime rates
  • Your insurance score
  • Your credit score
  • Your driving history
  • The coverage you select
  • The year, make, model, and value of each car
  • Your age  

To know your exact pricing, connect with your local independent agent for car insurance quotes. 

Insurance Requirements in Springfield, MO

Every state has a set of requirements that are mandated to use its roadways. When you are driving in Springfield, you'll be required to have the following minimum liability insurance:

  • Minimum liability limits of $25,000 per person/ $50,000 per accident/ $10,000 in property damage

When you drive without coverage, you could be fined or worse. An independent agent can help you decide which limit is right for you and your vehicles. 

Uninsured and Underinsured Motorists in Springfield, MO

Uninsured/underinsured motorist insurance is also required in Missouri. However, not everyone will comply. According to recent numbers, Missouri has over the national average in uninsured drivers. Let's look at the percentage of uninsured drivers:

  • National: 13.0%
  • Missouri: 14.0%

Uninsured/underinsured motorist insurance provides coverage for your medical payments and property damage if you are in an accident with an uninsured at-fault driver.

In Springfield, MO, you are in harm's way when using the roads. To safeguard yourself and your family, contact your local agent about this important coverage


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Optional Car Insurance Coverages in Springfield, MO

Your car policy's liability insurance is probably not the only coverage you need. Optional coverages can be added to your policy and depend on how much you have to insure.   

Optional Auto Policy Coverages

  • Comprehensive: This will pay for property damage to your vehicle resulting from a non-collision event such as fire, theft, falling objects, or being hit by an animal. 
  • Collision: This will pay for property damage to your or another person's vehicle resulting from a crash.
  • Towing: This will pay for a covered auto to be towed.
  • Rental car: This will pay for a rental car needed when a covered loss occurs.
  • Gap: This will pay for the difference between what's left on your auto loan and your vehicle's value in the event of a total loss. 

If your vehicle is worth anything, you'll want to look into these additional coverage options. Speak with your independent agent about how these items might apply to you. 

Does the Crime Rate Impact My Springfield, MO Insurance?

Theft of your personal belongings in your vehicle can happen anywhere. If you are prepared with adequate coverage, you can focus on recovering from a loss instead of not having enough insurance. Take a look at the average theft rates per 100,000 people:

  • National average: 228.90
  • Missouri average: 323.40
  • Springfield average: 4,975.00

Local crime can be an issue, and Springfield has a population of over 167,376. This gives the city a higher chance of theft because of the larger number of people. You can see how crime rates will directly affect your premium by speaking with your independent agent. 

Liability Insurance in Springfield, MO

In Springfield, you are required to have liability insurance that meets the minimum limits. Often, this is not enough coverage for even one occurrence. Your auto policy should have limits of coverage in proportion to your assets and the probability of a claim. 

Another form of liability insurance is an umbrella policy. This policy will extend an additional limit of liability, starting at $1,000,000, when a larger claim occurs. 

In the event your underlying auto coverage is insufficient, your umbrella policy will kick in. Your local agent can help with obtaining quotes for umbrella insurance. 

How a Springfield, MO Independent Agent Can Help

An independent insurance agent in Springfield, Mo can help gather options on your car policy. They work with multiple carriers so you can find the coverage and pricing you need. 

The best way to connect with an independent agent in your area is at TrustedChoice.com. They have a find-an-agent tool that helps you find the best agent in moments. 

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