Springfield Insurance Rates:

Springfield, MO home insurance is approximately $815 to $1,104, about $67-$92/month. Our thorough analysis shows customers can save upto $384 by getting many quotes

Compare Quotes from Top Providers and Save now!

Research about Springfield Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in Missouri. Compare quotes & save.

Springfield Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $500/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Bath 1450 sqft Vacation Property Constructed In 2005 with Linoleum, Membrane Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $340/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1460 sqft Primary Residence Constructed In 1991 with Wood Flooring, Wood Shake Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $160/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Baths 2290 sqft Primary Residence Constructed In 1988 with Linoleum, Wood Shake Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Married Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $300/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Baths 2800 sqft Vacation Property Constructed In 1968 with Hardwood Flooring, Tile Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $30/1 month for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $55,000

3 Beds, 3 Baths 1279 sqft Primary Residence Constructed In 1995 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Smoke Alarm, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Female who is Retired with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Springfield, MO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
65802 $97,600 $960
65803 $96,900 $960
65806 $66,600 $940
65809 $240,700 $1,070
65810 $189,900 $1,040
65804 $139,900 $1,000
65807 $119,800 $980

Springfield Rates & Quotes Analysis:

Springfield Area Estimated House Insurance
Harrison St, N Farm Rd 145, S Victoria Ave, S West 139 Ave, S Scotts Ln, W Sexton Dr, W Bull Run Battle St, Rose Dr, S John Q Hammons Pkwy, W Sagamont St$1,015
S Pembrook Ave, N Franklin, S Boone Ct, N Sunrise Ln, N Irving Ave, S Miami Ct, E Emerald Ln, W Camino St, S Stoneridge Ln, N Evangel Ct$1,106
N Thistlewood Ct, W Cloverleaf Ter, E Cozy St, E Turtle Hatch Rd, E Phelps St, E Briarwood Trail Ct, E Swiss Lane Ct, S Bailey St, S Sunrise Ave, Farm Rd 75$1,074
E Calhoun St, W Rockwood, S Wedgewood Ave, W Wick St, E Old Wire Rd, E Meadowgate Dr, S Miranda Ct, S Farm Rd 199, E Bluegrass Rd, E Page St$1,043
W Buena Vista St, E Swope St, S Casa Grande Ave, E Continental Way, W Crystal Ln, E Villa Marie St, S Elmwood Ave, N Oakland Ave, S Belgravia Ave, N Patton Ave$970
W Webster St, W Vincent Dr, N Co Rd 123, Eldon Ave, N Foster Ave, S Pin Oak Dr, Western, S Cllifton Ave, W Stanford St, S Lilac St$991
E Sommerset Rd, Ridgeview Ave, W Rockwood St, W Smith St, Lincoln, S Moonlit Ln, Jonathan, Co Rd 101, E Stanhope Ter, S Lake Shore Ave$988
S Rochelle Ave, S Farm Rd 193, N Troy Ave, N Kellett Ave, S Norshire Ct, W Brower St, E Redwood St, E Sugarmaple Dr, W Broadmoor St, W Blakey St$1,044
S Montego Dr, S Karla Ave, E Bowman St, S Keystone Ave, Co Rd 101, N Cedarbrook Ave, S Frisco Trails Rd, S Colby Ct, S Lincoln Ave, E Washita Ct$1,082
Marshall, N Farmer Ave, N Le Compte Rd, S Tulip Ln, S Sydney Ave, S Williamsburg Ave, S Prince Ln, E Camorene St, S U Dr, S Gibson Ave$1,024

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,649 Homes (13% of total homes ) built between 1960 to 1969 in Springfield are paying home insurance between $1,681-$1,695. Places close to Springfield, MO such as Campbell No. 2, Campbell No. 2C, Wilson A are more expensive by $39, $77, $20 respectively while Clever and Billings are cheaper by $10 and $25 respectively for similar homes.
  • Bedrooms: 26,858 2 bedrooms homes (35% of total homes ) in Springfield are paying about $826. Areas near to Springfield such as Campbell No. 2, Campbell No. 2C, Wilson A are costlier by $19, $38, $10 respectively whereas Republic and Clever are more economical by $3, $5 respectively for similar homes.
  • Auto Insurance Bundling: 5,655 Households (16% of all households) in Springfield have 3 or more vehicles available and when it is bundled with home insurance you can save $240 in contrast with Campbell No. 2 ($245), Campbell No. 2C ($251), Wilson A ($242).
  • Senior Discounts: 18,125 seniors (more than 55 years) occupied housing units (53% of total) in Springfield get discounts between $143 to $146. The comparative concessions in proximate regions such as Campbell No. 2, Campbell No. 2C and Wilson A are $147, $150 and $145 respectively.
  • New Homes discounts: New homes such as the 27,865 homes built between 2000 to 2009 in Springfield can save $192 and similar new home insurance discounts in nearby towns and cities like Campbell No. 2, Campbell No. 2C and Wilson A are $196, $200 and $194 respectively.

Springfield Homeowners insurance Facts

  • Springfield, MO has 34,157 owner occupied houses which is 48.5% of all units whereas Campbell No. 2, Campbell No. 2C and Wilson A have 78.63%, 84.33% and 38.31% respectively.
  • Springfield, MO homeowners yearly insurance price at $960 is 0.9% of the typical house value of $106,500 which is in contrast with 0.72% in Campbell No. 2, 0.6% at Campbell No. 2C & 0.8% in Wilson A.
  • Homeowners in Springfield, MO pay 1.75% of their income ($50,000 to $59,999) in insurance whereas homeowners in Campbell No. 2, Campbell No. 2C and Wilson A pay 1.79%, 1.83% and 1.77% respectively.
  • Springfield, MO’s insurance is 8.8% of monthly housing costs of $911/month, for owners with a mortgage compared to 8.02% in Campbell No. 2, 6.62% at Campbell No. 2C & 9.18% in Wilson A. But, for households without a mortgage, insurance is 26.3% of costs ($304 in Springfield, MO) in contrast with 27.19% in Campbell No. 2, 22.43% at Campbell No. 2C & 23.32% in Wilson A.

Springfield, MO Home Values & Insurance rates

For example, insurance for 1,571 Homes (4.0% of total homes ) valued between $50,000 to $59,999 in Springfield, MO is about $470. Rates in nearby areas in such as Campbell No. 2A, Greene County, North Campbell No. 3B are cheaper by $53, $80, $177 respectively while Robberson No. 1A and Clever are costlier by $9 and $35 respectively for similar homes.

Springfield, MO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,113 9.0% $220
$50,000 to $59,999 1,571 4.0% $470
$60,000 to $69,999 2,132 6.0% $585
$70,000 to $79,999 2,414 7.0% $672
$80,000 to $89,999 3,007 9.0% $758
$90,000 to $99,999 3,358 10.0% $854
$100,000 to $124,999 5,709 17.0% $988
$125,000 to $149,999 3,984 11.0% $1238
$150,000 to $174,999 2,798 8.0% $1459
$175,000 to $199,999 1,504 4.0% $1689
$200,000 to $249,999 1,833 5.0% $2025
$250,000 to $299,999 870 2.0% $2476
$300,000 to $399,999 927 2.0% $3148

Renters Insurance in Springfield

  • Average Renters Insurance in Springfield :  $206($17/month)

  • Median Gross Rent in Springfield :  $642

  • Springfield Renters Insurance to Median Rent Ratio:  2.65%

  • Average household size of renter-occupied unit :  2.02

Springfield Renters Insurance as a Percentage of Rent

Springfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 529 1.0% $351
$200 to $299 1,091 3.0% $801
$300 to $499 7,128 20.0% $1251
$500 to $749 15,226 43.0% $1926
$750 to $999 8,081 22.0% $2676
$1,000 to $1,499 2,506 7.0% $3801
$1,500 or more 638 1.0% $5451

Rent Affordability in Springfield:

Approximately 46.0% (16,774) of households are spending more than 35% of their income on gross rent in Springfield

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 3,536 9.0%
15.0 to 19.9 percent 4,413 12.0%
20.0 to 24.9 percent 4,724 13.0%
25.0 to 29.9 percent 3,914 10.0%
30.0 to 34.9 percent 2,933 8.0%
35.0 percent or more 16,774 46.0%

Springfield Renters Insurance Discounts:

Springfield Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Springfield, MO Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 19,530 53.0% $20.6
2 vehicles available 9,221 25.0% $30.9
3 or more vehicles available 2,206 6.0% $41.2

Protective device discount in Springfield Up to :  $30

Claims-free discount in Springfield Up to :  $41