🏠 Home insurance cost in Springfield, MO (2027)
Estimated average: $3,105 per year — +35% vs. the U.S. average of $2,300.
With about 169,176 residents, Springfield is a mid-size city and the #3 largest city in Missouri. Home insurance rates here are estimated at $3,105 per year, near the Missouri average of $3,105 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Springfield with other Missouri cities.
Estimate your home insurance in Springfield
Springfield home insurance estimator
Starts from the Springfield estimate. Get quotes to confirm your price.
Springfield home insurance FAQ
How much is home insurance in Springfield, MO?
The estimated average is $3,105 per year — about the state average (0% vs. the Missouri average of $3,105, and +35% vs. the U.S. average).
Is home insurance more expensive in Springfield than elsewhere in Missouri?
Springfield has about 169,176 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Springfield?
Compare at least three quotes from insurers active in Springfield, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.