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.

Compare Quotes from Top Providers and Save now!

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
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.

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

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
Deductible$800$1,800
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
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