Springfield Insurance Rates:

Springfield, MO homeowners insurance is approximately $815 to $1,104, about $67-$92/month. Our thorough analysis shows customers can save upto $384 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I like how affordable state farm is and the quality of service we get. our agent is very nice and respects my financial situation.
Farmer's Insurance
Farmers insurance home coverage replacement values seem to be less than true replacement value so while premiums are lower it appears to be due in part to lower coverage.
Liberty Mutual
After making a claim only two weeks after buying our first house, we were worried that our rates would go up. fortunately, they have remained the same.
I like the company's brand to be upfront and honest. I think the majority of insurance companies out there is a dime a dozen and their coverage is mostly the same in most cases. I'd say when it comes to my company the professionalism of the staff was my drawing factor mainly.
National General
National General’s website is easy to navigate and easy to understand. I had no trouble while I was searching for products. I haven’t had to file a claim yet so I don’t know that aspect of it.
The website is easy to navigate. All of the relevant links are easy to find and the domain name is easy to remember.
The website is well designed and easy to use. If I need to find out some information, it's easy to locate the contact page where I am given multiple ways to contact them in case I have any questions.
I appreciate State Farm's website because the options for contacting the company are clearly laid out and it has a link directly to my local agent. There is also a toll-free number giving me access any time I might need it.
I believe my premium is comparable to other companies. I choose not to go with the cheapest companies because of reputation and claim reviews.
I still give a 4, however I do wish they had a mobile app that would work on my phone or make their web app mobile device friendly. Their wait times to speak with someone could be shorter too.
There isn't really anything I don’t like about my company at all. There is nothing I can really complain about at this moment in time.
The company makes me feel like I matter and always takes time out of their day to explain things to me or help me find a better deal even if it's not at my asking. It always helps to feel like you are with a company that actually cares about you.
They have been very easy to work with no issues with upselling or calls to try to sell us more than we needed. The one time we need to make a claim, they handled it better and faster than we could have imagined.
The Hartford
Overall, Hartford has been around for a long time and fortunately, I have not had a claim with them. I am confident that is this did come about I would be compensated for the loss fairly
I like its reliability, its easy to fix things, its good service and its way of doing things, it is a very complete company in all the parameters to be established.
State Farm
I would recommend my ins co because it has competitive rate and discounts the staff is very friendly and helpful
State Farm
I don't like the high premium and I do not like the customer service we receive from our agent's customer service ladies. It seems they do not know their job well enough to be helping customers over the phone.
Ashley Swegle Agency
I dislike how small my insurance company seems to be because it makes me a little nervous that they could have difficulties paying out what is owed, even though I know that is backed by laws and banks.
State Farm
I really dislike that they constantly call and email about everything including sales quotes for things you don't own or for any payments that are slightly late. I also hate that you can't guitar EDM musical a policy over the phone (like when I sold my car.)
There have been no problems. All of our taxes are paid automatically through our insurance company, and that saves us a lot of hassle and risk.
Farmer's Insurance
I would recommend Farmer's Insurance because of their savings. They are the cheaper option for the exact same coverage as other companies.
I would recommend Shelter for a home insurance rate. They have value, competitive rates, and were right in the middle of everyone, when I compared.
Country Financial
The premium is 1000 for damages to the home but my policy is only 400 a year. I have had to file two claims for hail damage to my roof and they were promptly paid out without questions or pushback.
I would recommend this company because it helps our struggling local economy and you can deal with real people in real time to get your problems addressed.
my premiums and dectuctables are fairly low,i can afford the prices,they really help me when i am in need of help.
they offer road side assist,i have a good premium and my payments are low and affordable, the deductible is worth the price.i would recommend shelters insurance because they are trustworthy
We have not received any communication from the company till the date
I would for sure reccommed Allstate to a friend. I would also reccommed they bundle their home and auto because they save even more that way!
I believe they offer the same standard offerings as other insurance companies, I'm not aware of anything that is different in any way.
I used to be with Statefarm. I switched because of pricing and I never got a call back when I called Stat Farm. I would always have to call them back again.
allstate is very responsive to any calls i give which is great. i had a section of my bathroom collapse once and they were able to handle the issue fine
I would recommend Geico. I haven't had a bad experience at at all and I think the price is right.

Springfield, MO Homeowners Insurance By Home Value

Springfield, MO Home Value Total Homes % of Total Average Springfield, MO 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

Top Home Insurance Agents Near Springfield, MO

Home Insurance Company Near Springfield, MO Homeowners Insurance Agency Near Springfield, MO Address
Allstate David Torgeson 1636 S Glenstone Ave Ste 12, Springfield, MO, 65804
State Farm Jim Reed 300 S Kyler St Ste A, Monett, MO, 65708-2600
Farmers Kenny Teague Csp Lutcf 302 E Republic Rd, Springfield, MO, 65807
Travelers Mccully Insurance Agency 219 US HIGHWAY 60 WEST, REPUBLIC, MO, 65738
Travelers Mid-Missouri Insurance Agency 116 W Camden Ave Richland, Lebanon, MO, 65556

Springfield, MO Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Springfield, MO

Streets in Springfield Area Homeowners Insurance Cost
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

Springfield, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Springfield$143 to $146
Campbell No. 2$147
Campbell No. 2C$150
Wilson A$145

Springfield, MO Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Campbell No. 2 township, Greene County, Missouri $123 $163 $245
Campbell No. 2C township, Greene County, Missouri $126 $167 $251
Wilson A township, Greene County, Missouri $121 $161 $242

Springfield, MO Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Springfield, MO8.8%26.3%
Campbell No. 28.02%27.19%
Campbell No. 2C6.62%22.43%
Wilson A9.18%23.32%

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

Springfield, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Springfield Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,000$7,400
Net Savings to Springfield Home Owner from High Deductible Plan $600

Springfield, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Springfield, MO Home Replacement Value MORE than Home Value Springfield, MO Home Replacement Value LESS than Home Value
Replacement Value $136,500 $74,000
Insurance Premium based on Replacement Value $775 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $32,000 Risk Exposure from Under Insuring Coverage is $30,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $175/year

Example Springfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmica Mutual Insurance CompanyAllstate
Monthly Premium 273692
Year Built 196120041940
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $75000-$100000$75000-$100000$175000-$200000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$500 Deductible

Sample Home Insurance Rates for Springfield, MO from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1960 205,000 Slate Shingles Roof 2,710 4 $500 Deductible 900 8 Fiber-Cement Siding No
1975 230,000 Membrane Roof 3,220 4 $500 Deductible 60 1 Brick siding yes
2008 180,000 Metal Roof 3,120 4 $2500-$5000 Deductible 140 2 Stucco siding yes
2001 185,000 Wood Shake Roof 2,100 3 $5000 to $10,000 Deductible 400 6 Stone Siding yes
1994 105,000 Shingles Roof 1,520 3 $2500-$5000 Deductible 160 5 Vinyl siding yes
1976 165,000 Composition Roof 2,030 3 $5000 to $10,000 Deductible 350 7 Brick siding No
2011 115,000 Tile Roof 1,800 3 $500 Deductible 120 2 Stucco siding yes
1989 125,000 Asphalt Shingles Roof 1,630 4 $500- $1000 Deductible 250 6 Brick siding yes
1948 140,000 Composition Roof 1,800 2 $500 Deductible 800 12 Stone Siding yes
1944 100,000 Asphalt Shingles Roof 1,670 2 $1000-$2500 Deductible 90 3 Brick siding yes
2012 150,000 Membrane Roof 2,140 4 $2500-$5000 Deductible 390 8 Fiber-Cement Siding No
1963 205,000 Slate Shingles Roof 3,200 4 > $10,000 Deductible 210 4 Brick siding yes
2008 60,000 Shingles Roof 950 2 $2500-$5000 Deductible 20 1 Stone Siding No
1943 115,000 Membrane Roof 2,020 3 $500 Deductible 460 7 Stone Siding yes
2012 120,000 Shingles Roof 1,380 3 $1000-$2500 Deductible 370 12 Wood siding yes
1969 145,000 Metal Roof 2,230 3 $1000-$2500 Deductible 380 9 Brick siding yes
1976 110,000 Metal Roof 1,280 2 $500 Deductible 420 8 Stucco siding yes
1962 145,000 Tile Roof 1,740 2 $500- $1000 Deductible 180 3 Vinyl siding yes
1971 200,000 Membrane Roof 2,610 4 $500 Deductible 120 2 Wood siding No
1941 150,000 Metal Roof 1,740 4 $500 Deductible 360 6 Stone Siding yes
1965 180,000 Shingles Roof 2,260 4 $1000-$2500 Deductible 110 2 Vinyl siding No
1985 90,000 Slate Shingles Roof 1,290 3 $2500-$5000 Deductible 160 6 Brick siding yes
1962 110,000 Composition Roof 1,630 2 $1000-$2500 Deductible 170 4 Stucco siding No
1961 125,000 Asphalt Shingles Roof 1,660 3 $1000-$2500 Deductible 100 3 Brick siding No
1992 115,000 Shingles Roof 1,860 3 $500- $1000 Deductible 220 4 Stucco siding yes
2005 120,000 Membrane Roof 1,450 3 $500 Deductible 500 12 Stucco siding yes
1991 125,000 Wood Shake Roof 1,460 3 $500- $1000 Deductible 340 7 Brick siding No
1988 175,000 Wood Shake Roof 2,290 4 $500- $1000 Deductible 160 2 Stucco siding yes
1968 235,000 Tile Roof 2,800 4 $500- $1000 Deductible 300 3 Stucco siding yes
1995 55,000 Tile Roof 1,279 3 $2500-$5000 Deductible 30 1 Stone Siding yes

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