🏠 Home insurance cost in Springfield, MO (2026)
Estimated average: $3,105 per year — +35% vs. the U.S. average of $2,300.
$3,105
Est. home insurance in Springfield
per year
$3,105
Missouri average
$2,300
U.S. average
169,176
Population
Estimate your home insurance in Springfield
Springfield home insurance estimator
Estimated$1,956/year
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.