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Get Cheap Car Insurance in Springfield, MN
We monitor insurance prices, helping the average driver in Springfield save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Springfield
The chart below shows the cheapest car insurance company in Springfield 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 Auto-Owners Insurance, Kemper, and American Family Insurance.
| Springfield Insurer | Monthly Cost |
|---|---|
| State Farm | $49 |
| Auto-Owners Insurance | $55 |
| Kemper | $58 |
| American Family Insurance | $58 |
Savings for Every Kind of Springfield Driver
Based on our extensive insurance data, we know the average Springfield 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 $418 per year by choosing the right vehicle insurance company. Some Springfield residents are paying out over $1,552 extra every year for auto insurance in Springfield. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Springfield, MN Savings / Yr. |
|---|---|
$418 |
|
$526 |
|
$338 |
|
$687 |
|
$1,178 |
|
$349 |
|
$917 |
Springfield Car Insurance vs. Minnesota
People living in Springfield pay an average of 3.35% less than the typical driver in the state. The average driver in Springfield can expect to pay about $803 per year, or $1,552 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Springfield for most people.
Car Insurance Prices by Springfield Neighborhood
Insurance Prices
Where is insurance cheapest within Springfield?
The map shows insurance prices in and around Springfield, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $70 per year within the city boundaries, with insurance premiums ranging from a high of $1,567 to a low of $1,497. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Springfield.Pick the Best Car Insurance Company for You in Springfield
The best car insurance provider for most drivers in Springfield
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $418 over the average Springfield car insurance company.
The best car insurance provider for Springfield drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $526 over the competition.
The best car insurance company for Springfield drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $338 better than other car insurance companies.
The best auto insurance for Springfield drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $687 less each year.
The least expensive car insurance company for new and young drivers in Springfield
In Springfield, State Farm costs young drivers $1,178 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Springfield
State Farm gave the largest car insurance discounts to married couples, averaging $349 saved each year compared to an average Springfield couple's premiums.
The cheapest car insurance in Springfield for drivers with bad credit
The best Springfield car insurance company for customer service
Nationwide was the best company for customer service in Springfield according to the NAIC.
Recent price drops
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The cheapest large national provider in Springfield
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Springfield driver can expect to pay about $116 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 Springfield, USAA has the best prices for young drivers, drivers with accidents, married couples, good drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Springfield
What Influences the Cost of Car Insurance in Springfield?
On average, car insurance in Springfield is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- The average commute time in Springfield is 22 minutes, which is far less than average for a driver in the state.
- Minnesota state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Springfield are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Springfield is a fairly densely populated area in the state. The city’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 Springfield is $67 per month for minimum coverage and $129 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 Cities
- Cobden: Insurance costs 0.71% less
- Sanborn: Insurance costs 0.58% less
- Comfrey: Insurance costs 3.03% less
- Clements: Insurance costs 1.42% less
- Leavenworth: Insurance costs 2.13% less
- Morgan: Insurance costs 1.03% more
- Sleepy Eye: Insurance costs 1.68% less
- Evan: Insurance costs 1.22% less
- Wanda: Insurance costs 3.54% less
- Darfur: Insurance costs 0.58% less
Cities with Similar Populations
- Little Mountain: Insurance costs 2.32% more
- Wentworth: Insurance costs 21.52% less
- Volant: Insurance costs 11.40% less
- Turbotville: Insurance costs 17.98% less
- Tower City: Insurance costs 13.14% less
- Springport: Insurance costs 75.90% more
- Spraberry: Insurance costs 10.12% more
- Runnells: Insurance costs 22.16% less
- New Cordell: Insurance costs 9.86% more
- Bernie: Insurance costs 16.17% more