Car Insurance in Springfield, MO

Discover local driving statistics and risks and choose trustworthy car insurance in Springfield, MO.
Compare, shop and customize quotes from top-rated insurance carriers.

Stay Safe in Springfield With the Right Car Insurance

Living in Springfield has plenty of positives; there are more than 90 parks around town, including Sequoia Park and Valley Water Mill Park. Your family probably loves the city's miles of outdoor destinations and entertainment, from the nearby Ozark Mountains to Fantastic Caverns. At the same time, local risks make it essential to have good car insurance in Springfield, MO.

Preparing for Car Accident Risks

Springfield is a regional hub, with a population of 170,000 people and plenty of work and study opportunities. Not surprisingly, this means it has many roadways with a high volume of daily traffic:

  • Interstate 44
  • U.S. Highway 65
  • U.S. Highway 60
  • U.S. Highway 160
  • State Highway 13

These roads routinely have daily traffic volumes of well over 20,000 vehicles. The more traffic there is during your daily commute, the greater the risk of car accidents involving inattentive drivers or multiple vehicles.

Understanding Springfield Crash Statistics

There are over 6,000 crashes in the city of Springfield every year. This number may not seem surprising at first, but it means that over 110 crashes happen every week around the city. Each day, more than 15 drivers get into an accident.

Because of the high travel speeds around the city, a large percentage of crashes result in injuries. In 2020, more than 2,200 people, over 30% of those in crashes, were injured in car accidents. Over 25 of those crashes were fatal.

You can't predict the future or control how other people drive. What you can do is invest in high-quality car insurance in Springfield, MO, and make sure the coverage is enough for your family's needs. That's where VIU by HUB's comparison features for auto coverage come in handy.

Avoid the Biggest Highway Risks on Your Daily Commute

If you're like 80% of Springfield workers, you drive a car to work. Less than 2% of families take metro transit. Driving is fast, flexible and convenient. The city has a short commute of under 20 minutes on average, and many people get to work in 10-15 minutes.

Whether you're driving down the interstate or cruising city streets, keep an eye open for these top car accident causes:

  • Intoxicated drivers
  • Speeding vehicles
  • People ignoring stop signs and red lights
  • Drivers texting behind the wheel
  • Cars following you too closely

These situations cause hundreds of car crashes locally every year.

Another significant risk involves insurance violations. Considering that over 2,000 drivers get in trouble for driving without insurance annually, it's smart to add uninsured/underinsured motorist coverage to car insurance in Springfield, MO.

Check Your Comprehensive Coverage

In many cities, comprehensive coverage is considered an add-on, something nice to have but not always needed. In Springfield, things are different. The city's exceptionally high crime rate means that every family needs some comprehensive insurance for:

  • Auto theft
  • Electronics theft
  • Vandalism
  • Parts theft

Whereas other metropolitan areas in the U.S. usually only have annual rates of 200 or 300 cases of vehicle theft per 100,000 people, Springfield has 1,000 cases per 100,000 residents. There are almost 8,000 property crimes every year, compared to just 2,500 in Columbia, MO.

Compare Coverage Limits for Car Insurance in Springfield, MO

The average annual cost of car insurance in Springfield, MO, is $1,600 for full coverage, higher than the U.S. average. VIU by HUB can make it easier for your family to choose affordable premiums that cover your unique needs. By comparing a variety of insurers, coverage options, limits and details, you can put together a customized auto insurance policy that works for teen drivers, business professionals, college students and seniors alike.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


MO Department of Transportation

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