Springfield, MO Home Insurance - Analysis On Quotes, Rates & Agents

Springfield, MO Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Springfield, MO. The average cost of insurance in Springfield, MO is $985. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Springfield, MO

National Average Premium State Average Premium Springfield Average Premium
$1,438 $1,084 $985

Top Home Insurance Companies in Springfield, MO | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Springfield, MO.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Amco $1,059 $1,271 $1,653 $2,280
State Farm $2,032 $2,438 $3,169 $4,374
Aaa $1,785 $2,142 $2,785 $3,843
Safeco $1,475 $1,770 $2,301 $3,176

Springfield, MO Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 880.88
$150,000 To $174,999 1,342.07
$175,000 To $199,999 1,523.93
$200,000 To $249,999 1,919.81
$250,000 To $299,999 2,802.56
$300,000 To $399,999 3,616.86
$400,000 To $499,999 4,421.63
$500,000 To $749,999 5,659.68
$750,000 To $999,999 6,544.01
$1000,000 To $1499,999 7,207.25
$1500,000 To $2000,000 7,737.85

Visual Guide for Springfield, MO Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Springfield, MO | Back to Top

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

List of Springfield, MO Home Insurance Agents by Companies


Springfield, MO Homeowners Insurance Rates Based on Claims Filed | Back to Top

A discount of $137.9 on the home insurance premium is offered to Springfield, MO homeowners who have no previous history of claims filed, Springfield, MO homeowners with one claim have to file an additional home insurance rate of $59, while Springfield, MO homeowners with 2 claims have to pay $138 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -138 847
One Claim +59 1,044
Two Claim +138 1,123


Springfield, MO Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
65802 97,600 936
65803 96,900 998
65806 66,600 997
65809 240,700 946
65810 189,900 955
65804 139,900 926
65807 119,800 916

Factors Affecting Home Insurance Premiums in Springfield, MO

Springfield, MO homeowners pay an average home insurance premium of $985. Homeowners in Springfield, MO can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

Springfield, MO Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 932
3 Bedroom 998
4 Bedroom 1,531
5 Bedroom 2,995

Springfield, MO Home Insurance Premiums for Different Deductibles | Back to Top

Springfield, MO Homeowners with a deductible of $500 pay a higher amount for home insurance, while Springfield, MO homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 973
$1000 Deductible 880
$1500 Deductible 829
$2000 Deductible 752
$2500 Deductible 707

Springfield, MO Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Springfield, MO pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 768
Year 30 Old 1,000
Year 40 Old 1,011
Year 50 Old 1,022
Above Year 50 1,032

Springfield, MO Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 138 847
Masonry 49 936
Brick 49 936
Superior 99 887
Hail Resistant Roof 30 955

Top Saving Tips on Springfield, MO Homeowners Insurance | Back to Top

Springfield, MO Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Springfield, MO Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Springfield, MO homeowners receive attractive discounts from home insurance companies.

The tables below contain the complete list of discounts that Springfield, MO homeowners can take advantage of to increase their savings.

Springfield, MO Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 148 837
Retiree Discount (Senior Citizen Discount) 138 1,123
Newly Constructed Home 217 768

Springfield, MO Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 118 867
Fire Extinguishers 79 906
Smoke Detectors 138 847
Sprinkler System 118 867
Fire Alarm 89 896
Burglar Alarm 89 896
Lightning Protection 20 965

Latest Home Insurance Reviews

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.
Shelter
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.
Progressive
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.
Shelter
my premiums and dectuctables are fairly low,i can afford the prices,they really help me when i am in need of help.
Shelter
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
Shelter
We have not received any communication from the company till the date
Allstate
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!
Geico
I believe they offer the same standard offerings as other insurance companies, I'm not aware of anything that is different in any way.
Geico
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
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
Geico
I would recommend Geico. I haven't had a bad experience at at all and I think the price is right.
Country Financial
I am completely satisfied with what I am paying for my insurance. It is possible that there are better premiums out there and even better coverage. I feel like I made the right choice.
Farmer's Insurance
I have never had any issues with all Farmer's Insurance always been very helpful very customer friendly and they provide many type of coverage for different situations. I would give them a 5 rating.
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.
Allstate
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.
Allstate
The website is easy to navigate. All of the relevant links are easy to find and the domain name is easy to remember.
Progressive
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.
Aaa
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.
Aaa
I believe my premium is comparable to other companies. I choose not to go with the cheapest companies because of reputation and claim reviews.
Aaa
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.
Travelers
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.
Shelter
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.
Aaa
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
Shelter
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.)
Progressive
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.