Freedom Insurance Group helps Springfield households compare auto coverage without the runaround. Request a quote online or call (800) 253-1482.
Average Springfield, Tennessee car insurance rates
Read these figures as estimates for comparison; they are not guaranteed quotes. Your real premium turns on drivers, vehicles, ZIP, coverage limits, deductibles, credit (where allowed), and claims history.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Tennessee | $155.80 |
| Springfield, Tennessee | $166.57 |
Cheapest car insurance companies in Springfield, TN
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $149.42 |
| 2 | National General 360 | $150.59 |
| 3 | Progressive | $154.68 |
| 4 | Root | $168.13 |
| 5 | Safeco | $168.89 |
| 6 | Allstate | $169.41 |
| 7 | Travelers | $169.86 |
| 8 | Lumen Select | $174.69 |
| 9 | National General NS | $187.07 |
| 10 | Chubb | $188.40 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,140.36 |
| 20s | $130.95 |
| 30s | $125.58 |
| 40s | $130.66 |
| 50s | $127.63 |
| 60s | $111.74 |
| 70+ | $117.06 |
Check Out Other Rates in Springfield, TN Nearby Cities:
Auto coverage explainers for Springfield drivers
Minimum liability keeps you legal in Tennessee, but it rarely matches the cost of a serious injury claim or a newer financed vehicle. This outline can serve as your checklist as you line up Springfield quotes.
- Liability for bodily injury & property damage: It covers what you owe others after an at-fault crash. Look at higher limits if you have home equity, savings, or a long commute through busier roads.
- Collision: If you hit another vehicle or an object, it covers repairs to your car, once the deductible is met.
- Comprehensive: In storm country this one matters most; it responds to theft, hail, glass breakage, animal strikes, and other non-crash damage.
- Uninsured / underinsured motorist: When the driver who hits you has too little insurance or none, this coverage pays for your losses. State rules for UM/UIM differ, so ask before you decline it.
- PIP / medical payments: Whether you can buy it and how it stacks varies by state, but the purpose is the same: paying medical bills for you and your passengers after a crash.
- Rental car reimbursement: Keeps you driving during shop time after a covered claim by paying toward a rental car.
- Roadside assistance: Help with towing, dead batteries, and lockouts, often cheaper as a policy add-on than a separate auto club.
- Higher liability limits & umbrella coordination: If you carry an umbrella, make sure auto limits meet the carrier’s underlying requirements.
Leased or financed cars in Springfield almost always need collision and comprehensive. If your car is older and paid off, we can model dropping collision but only after you understand the out-of-pocket risk. Glass and hail deductibles are worth a second look in storm-prone ZIP codes.
Driving and insurance context in Springfield
Springfield is home to roughly 16,808 residents and lies within Robertson County. The resident count is roughly 16,808. Flood considerations near rivers and low spots add to the tornado and severe-storm risk that Tennessee pricing often reflects.
Springfield commutes frequently mix arterial roads and highway miles, which is why underwriting looks at both garaging ZIP and annual mileage. Foggy river corridors, low-spot flooding, and severe storms shape local comprehensive claims, and over time they influence the rates filed for surrounding ZIP codes. That is why two neighbors in Springfield can see different premiums even with similar vehicles: construction of the car, credit-based insurance score where allowed, prior claims, and exact garaging address all move the quote.
If you are new to the Robertson County area, take a few minutes to confirm how you use the vehicle. Picking one trim over another in the same model year moves the rate less than rideshare use, teen drivers, or lots of highway commuting. Accurate details make the match: tell us how you really use the car when you request a quote, and we will match carriers that price that kind of driving competitively.
Many Springfield drivers also underestimate how safety features and how long you have owned the car interact with discounts. Anti-theft devices, automatic emergency braking, and continuous coverage are weighted differently by each carrier. An independent agent can translate those quirks into a shortlist instead of forcing you to re-key the same application on ten websites.
One practical step: have the declarations pages from your current policy within reach. Start with the limits, deductibles, and drivers listed; nothing builds faster a like-for-like Springfield comparison. Check for dropped liability limits, missing comprehensive, or an omitted household driver whenever a quote looks dramatically cheaper.
Tips to cut car insurance rates in Springfield
Smart shopping goes beyond the lowest binder price. Lasting savings tend to come from an accurate garaging address and a correct driver list before you compare, then a fresh market check each term.
- Compare several carriers every renewal. Underwriting appetite moves after storm seasons and loss trends. What was cheapest in Springfield last year may not lead today.
- Bundle only when the math works. A home-and-auto bundle can help, but verify the combined price, not just the auto line by itself. Begin at /get-a-quote/auto-quote and mention any homeowners or renters policy you already hold.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,140.36, far above adult buckets near $112. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Choose telematics thoughtfully. Usage-based plans can reward gentle acceleration and low overnight mileage, but night driving and hard braking can erase the benefit.
- Do not let coverage lapse. A lapse, even a short one, tends to cost more than the months you skipped.
- Garage where you say you do. Before you bind, correct it if the car is kept in Springfield but insured at another address (or the reverse).
- Ask about paperless, autopay, paid-in-full, and professional affiliations. Together they can shift a close quote, even if each is minor.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. To keep underwriting from guessing, bring those details to your Springfield quote review.
Springfield discounts to ask about
- Multi-policy — auto paired with home or renters.
- Multi-car credit — several vehicles insured with the same company.
- Claims-free / safe driver — clean histories often earn better rates.
- Driver training & good student — useful once teens are rated.
- Telematics / usage-based — optional tracking that rewards careful habits.
- Paid-in-full, autopay, and paperless — small credits that still stack.
- Anti-theft and safety features — varies by vehicle and carrier.
Discounts are not a substitute for shopping. Two carriers can advertise similar credits and still land fifty dollars apart on the same Springfield driver.
Springfield at a glance
Springfield is home to roughly 16,808 residents and lies within Robertson County.
Springfield sits in the Robertson County area, and there routine insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Housing here is mostly single-family homes typical of the Robertson County area; block by block, replacement cost, roof age, and construction type explain most price differences.
Flood considerations near rivers and low spots add to the tornado and severe-storm risk that Tennessee pricing often reflects.
What usually changes a quote in Springfield
When a Springfield application comes in, carriers look beyond the vehicle’s sticker price. Even with a clean credit file, prior bodily injury claims, comprehensive weather losses, and coverage lapses can weigh more. Even for a relatively new car, a long history of continuous insurance and low estimated annual miles can soften the rate.
Hybrid schedule? Ask whether your mileage estimate should change. Plenty of Springfield households overpay for miles they stopped driving since the policy still reflects an old commute. Before a claim creates a mismatch, update the application if you added a longer drive around the Robertson County area; the reverse is also true.
Picking deductibles and limits around local weather
Because severe storms, flooding in low spots, and foggy river corridors show up in regional loss data, comprehensive deductibles deserve a deliberate choice in Springfield. Parking outside? Consider a lower glass deductible. To trim premium on a paid-off car, raising the comprehensive deductible can work when you have cash set aside.
The state minimum is not the target: limits should reflect your assets and comfort with risk. Along busy roads near Springfield, a serious at-fault accident can blow past minimum limits. To make sure the numbers make sense to you, we walk through real scenarios.
What Freedom Insurance Group does for Springfield drivers
We never invent AM Best ratings, and we do not claim every carrier is appointed for every niche. Our team shops the markets we can reach, lays out the tradeoffs plainly, and helps you choose limits that fit your real driving in Springfield and around the Robertson County area.
Call (800) 253-1482 or start a free auto quote online. We can compare bundle options with no pressure if you also need homeowners coverage; start on the home quote form.
The first call covers who drives and what you drive, the garaging ZIP code, desired liability limits, and recent claims. That conversation is what turns the illustrative averages on this page into a shortlist of bindable options for your household.
Springfield by the numbers: commuting, vehicles, and weather
By 2020–2024 Census estimates, Springfield packs about 19,255 residents into roughly 14 square miles of land, a density of about 1,410 people per square mile. For big-city errands, the nearest Tennessee city over 100,000 residents is Nashville, roughly 23 miles south. Regular trips there add miles that belong in your annual estimate.
NOAA storm reports show 11 hail reports within about 5 miles of Springfield from 2016 through 2025. The biggest hail reported was 1.5 inches near Coopertown in April 2025. Hail that size can dent body panels and crack windshields, a comprehensive-coverage claim. NOAA also logged 6 flash-flood reports nearby, the latest in May 2024; flood damage to a car is covered under comprehensive, not collision.
According to the Census Bureau’s 2020–2024 American Community Survey, the average one-way commute for Springfield workers is about 29 minutes. Roughly 28% of commuters spend 45 minutes or longer getting to work, which adds up in annual mileage. Of all workers, 82% drive alone, 9.2% carpool, and 6.0% work from home.
Springfield has about 6,893 occupied households; 22% keep three or more vehicles and 31% have exactly two. Multi-car pricing and how drivers are assigned are therefore a big deal for many local families. Roughly 9.0% of households report no vehicle, a group that may want to ask about non-owner car insurance if they borrow or rent cars.
By the historical record, Springfield was incorporated in 1819. Springfield’s population went from 14,329 at the 2000 Census to 16,440 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 19,842. Growth since 2000 comes to roughly 38%. Federal tornado records from NOAA’s Storm Prediction Center list 12 tornadoes that began within 10 miles of Springfield from 1950 through 2015; the most powerful, rated F2, touched down on April 3, 1998.
Looking at nearby towns? Nearby pages: Greenbrier (7 mi), Coopertown (8 mi), and Ridgetop (9 mi).
ZIP codes we serve in and around Springfield
37172
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Get car insurance quotes in Springfield, TN
For Springfield households, Freedom Insurance Group shops 25+ carriers. Call (800) 253-1482 or start a free auto quote online.
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