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Get Cheap Car Insurance in Phelps, Springfield, MO
We monitor insurance prices, helping the average driver in Phelps save up to 28.5% on car insurance.
The Cheapest Minimum Coverage in Phelps
The chart below shows the cheapest car insurance company in Phelps for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Travelers, Safeco Insurance, and Clearcover.
| Phelps Insurer | Monthly Cost |
|---|---|
| State Farm | $69 |
| Travelers | $69 |
| Safeco Insurance | $70 |
| Clearcover | $75 |
Savings for Every Kind of Phelps Driver
Based on our extensive insurance data, we know the average Phelps driver will save about 27% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $489 per year by choosing the right vehicle insurance company. Some Phelps residents are paying out over $1,811 extra every year for auto insurance in Phelps. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Phelps, Springfield, MO Savings / Yr. |
|---|---|
$489 |
|
$682 |
|
$624 |
|
$698 |
|
$1,472 |
|
$380 |
|
$583 |
Phelps Car Insurance vs. Springfield
People living in Phelps pay an average of 0.58% more than the typical driver in the state. The average driver in Phelps can expect to pay about $1,115 per year, or $1,811 for full coverage.
Based on our analysis, Clearcover will be the cheapest provider in Phelps for most people.
Car Insurance Prices by Phelps Neighborhood
Insurance Prices
Where is insurance cheapest within Phelps?
The map shows insurance prices in and around Phelps, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $114 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,891 to a low of $1,777. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southwest parts of Phelps.Pick the Best Car Insurance Company for You in Phelps
The best car insurance provider for most drivers in Phelps
For drivers with clean driving records and no major strikes, Clearcover is the best option, with annual savings of $489 over the average Phelps car insurance company.
The best car insurance provider for Phelps drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $682 over the competition.
The best car insurance company for Phelps drivers with speeding tickets
>Clearcover gave the average person with a speeding ticket the most savings, averaging $624 better than other car insurance companies.
The best auto insurance for Phelps drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $698 less each year.
The least expensive car insurance company for new and young drivers in Phelps
In Phelps, Travelers costs young drivers $1,472 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Phelps
State Farm gave the largest car insurance discounts to married couples, averaging $380 saved each year compared to an average Phelps couple's premiums.
The cheapest car insurance in Phelps for drivers with bad credit
The best Phelps car insurance company for customer service
Recent price drops
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The cheapest large national provider in Phelps
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Phelps driver can expect to pay about $114 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Phelps, USAA has the best prices for drivers with speeding tickets, drivers with bad credit, drivers with a DUI conviction, married couples, good drivers, drivers with accidents, and young drivers.Auto Insurance Prices in and Around Phelps
What Influences the Cost of Car Insurance in Phelps?
On average, car insurance in Phelps is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- Missouri state insurance regulations may require higher prices.
- An average of 2 to 3 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Phelps are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Phelps has an average population density in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Phelps is $93 per month for minimum coverage and $151 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Rountree: Insurance costs 1.93% more
- Downtown Springfield: Insurance costs 4.42% more
- West Central: Insurance costs 3.42% more
- Seminole Holland: Insurance costs 1.16% less
- Fassnight: Insurance costs 0.11% less
- Midtown Springfield: Insurance costs 2.32% more
- Meador Park: Insurance costs 2.04% less
- Bingham: Insurance costs 1.27% less
- Weller: Insurance costs 1.16% less
- Grant Beach: Insurance costs 2.60% more
Neighborhoods with Similar Populations
- Las Vistas: Insurance costs 1.49% more
- Sheraden: Insurance costs 13.42% less
- Saint Claire-Superior: Insurance costs 23.30% less
- Pulaski Park: Insurance costs 16.68% less
- Plymouth Village: Insurance costs 13.03% more
- North: Insurance costs 16.12% less
- Nassau Shores: Insurance costs 47.10% more
- Midtown Phillips: Insurance costs 15.46% more
- McGirts Creek: Insurance costs 53.56% more
- Marriott's Griffin Gate Golf Culb: Insurance costs 31.86% more