Springfield Insurance Rates:

Springfield ,MO Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Springfield, MO homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Springfield, MO is $2177. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Springfield, MO: Customer-Reviewed Options


Springfield, MO Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Springfield, MO. VHome Insurance will help you navigate the world of homeowners insurance coverages in Springfield, MO.

Coverage Level Average Annual Premium
$100,000 $871
$200,000 $1,480
$300,000 $1,829
$400,000 $2,787
$500,000 $3,505


Springfield, MO Homeowners Insurance Rates by ZIP Code

Home insurance costs in Springfield can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
065802 $2,058
65803 $2,062
65806 $1,995
65809 $2,263
65810 $2,185
65804 $2,118
65807 $2,074


Springfield, MO Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Springfield, MO, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,232
$1000 Deductible $1,996
$1500 Deductible $1,883
$2500 Deductible $1,698
$5000 Deductible $1,437



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


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

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 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