Protect What Matters Most with State Farm Insurance in Springfield, MO

Are you looking for affordable and reliable insurance in Springfield, MO? As a leading insurance provider for over 95 years, State Farm® has you covered. Whether you need auto, home, life, business or health insurance, State Farm agents in Springfield have the experience to create a personalized insurance plan to protect what matters most.

Why Choose State Farm Insurance in Springfield?

With over 19,000 agents nationwide, State Farm has more agents than any other insurance company. They have a strong presence in Springfield, MO with over 20 local agents ready to serve you. Here are some key reasons to choose State Farm insurance in Springfield:

  • Affordable Rates: State Farm offers competitive pricing and discounts like safe driver, anti-theft device, and multi-policy discounts. Their prices are based on your unique risks.
  • Flexible Payment Options: Pay monthly, quarterly, semi-annually or annually and enroll in autopay to avoid missing payments.
  • Top-Notch Financial Strength: State Farm has an A++ (Superior) rating from A.M. Best, indicating excellent financial strength to pay claims.
  • 24/7 Customer Service: File a claim anytime online or by phone. Emergency roadside service is also available 24/7.
  • Policy Bundling: Bundle home and auto policies to save up to 20% or more.
  • Local Agents: Agents in Springfield provide personalized care as they live and work in your community.

State Farm Insurance Products in Springfield

State Farm provides complete protection for all your insurance needs. Here are the main products offered:

Auto Insurance

Protect yourself on the road with State Farm auto insurance. Basic coverages include:

  • Liability Coverage: Pays for injury or damage that you cause to others. Required in MO.
  • Collision: Covers damage to your vehicle from an accident.
  • Comprehensive: Protects against theft, vandalism, fire, flood, animal strikes, etc.
  • Medical Payments: Pays medical bills for you and your passengers after an accident.
  • Uninsured/Underinsured Motorist: Covers injuries if the at-fault driver has no or minimal insurance.
  • Roadside Assistance: Provides towing and labor after a breakdown.

State Farm agents in Springfield can explain your coverage options. Discounts like multi-car, safe driver, anti-theft and more may lower your rates.

Homeowners & Renters Insurance

Protecting your home and possessions is essential. Key coverages include:

For Homeowners:

  • Dwelling Coverage: Pays to repair or rebuild your home after covered damages.
  • Personal Property Coverage: Replaces belongings like furniture, clothes and electronics after a covered loss like theft, fire or storm damage.
  • Liability Coverage: Protects against liability if someone is injured on your property.
  • Additional Living Expenses: Pays for temporary housing if your home is uninhabitable due to a covered loss.

For Renters:

  • Personal Property: Same as above. Replaces belongings after covered damages.
  • Liability: Protects if you are sued by your landlord or a guest is injured.
  • Loss of Use: Pays additional living expenses if you must move out due to a covered loss.

Ask your Springfield agent about add-ons like coverage for jewelry, firearms, flood damage and more.

Life Insurance

Life insurance provides essential financial protection for your loved ones. State Farm offers:

  • Term life: Covers you for a specific period of time, generally 10 to 30 years. It pays a death benefit to your beneficiaries if you pass away during the term. This is the most affordable option.
  • Whole life: Provides lifelong coverage as long as you pay the premiums. It has a cash value that grows over time that you can borrow against.
  • Universal life: Offers permanent coverage with flexible premiums and death benefit. You can adjust the coverage as your needs change.

Your State Farm agent can help determine the right amount and type of life insurance based on your financial situation.

Health & Disability Insurance

Supplement your health and disability coverage with:

  • Supplemental health plans like critical illness insurance and hospital income insurance. These can help cover out-of-pocket medical costs not paid for by your major medical insurance.
  • Disability income insurance replaces income if you are unable to work due to illness or injury. You can get coverage for short or long-term disabilities.

Business Insurance

Protect your business with customized coverage that could include:

  • General liability: Protects against liability claims for injury or property damage.
  • Commercial auto: Covers vehicles used for business purposes.
  • Workers’ comp: Provides benefits for employees injured on the job. Required in MO if you have employees.
  • Business property: Covers your office space, equipment and inventory from damages.
  • Business interruption: Replaces income lost due to suspended operations from a covered loss.

Work with a local Springfield agent to get business insurance tailored to your needs.

Pet Insurance

My Pet Protection® from State Farm offers nose-to-tail coverage for your cats or dogs including accidents, illnesses, emergencies, prescriptions, surgeries and more. Get a fast quote online.

How to Get a Quote and Buy State Farm Insurance in Springfield

Purchasing State Farm insurance in Springfield is easy. You can get a quote and buy policies online or through a local agent.

Get a Quote Online

Go to and enter some basic details like:

  • Type of insurance you need (auto, home, life, etc.)
  • Your address
  • Date of birth
  • For auto insurance, details on your car like make, model and VIN

You’ll get an instant quote showing estimated premiums. If desired, you can purchase a policy online in minutes.

Work with a Local Agent

State Farm has over 20 local agents in the Springfield area. Agents have the expertise to:

  • Review your risks and insurance needs
  • Provide quotes for auto, home, life, health and business insurance
  • Explain policy options and discounts you may qualify for
  • Help bundle policies to save money
  • Provide ongoing policy service and support

Visit to find an agent near you and schedule an appointment. Or give an agent a call to discuss your insurance needs over the phone.

Frequently Asked Questions about State Farm in Springfield

Here are answers to some common questions about State Farm insurance in Springfield, MO:

Is State Farm the cheapest insurance in Springfield?

State Farm offers very competitive pricing, but may not be the absolute lowest cost provider in every situation. The best way to find the most affordable rate for your specific risks is to compare quotes from State Farm and other top insurers. State Farm agents can provide a quote quickly so you can compare.

How long has State Farm been in business in Springfield?

State Farm was founded in 1922 and has provided insurance products in Springfield for over 95 years. Many local State Farm agents have decades of experience serving the Springfield community.

What discounts may I qualify for?

Auto discounts include safe driver, defensive driver, good student, anti-theft device, and multi-policy. Home discounts include multi-policy, protective devices like alarms, new home, and claims-free. Ask your Springfield agent about discounts.

Can I manage my policy online?

Yes, with State Farm’s online account management you can make payments, request changes, file claims and more. You can also download their mobile app to access your account on the go.

Does State Farm offer rideshare insurance for Uber/Lyft drivers?

Yes, State Farm provides add-on rideshare coverage to extend your personal auto policy to cover you while driving for a rideshare company. This add-on is only available in select states, including Missouri. Contact a Springfield agent to learn more.

What is State Farm’s financial rating?

State Farm has received an A++ (Superior) rating from A.M. Best Company, indicating excellent financial strength and ability to pay claims. This is the highest possible rating given to insurance companies.

When you’re ready to protect the people and things that matter most, connect with a State Farm agent in Springfield, MO. Their expertise and affordable insurance products have protected millions of customers for nearly a century. Request a quote today.

State Farm Insurance Review: The Good and the Bad


What is the expense ratio for State Farm?

State Farm Growth Fund has an expense ratio of 0.12 percent.

Leave a Comment