Springfield, OR
Springfield, OR car and homeowners insurance
Commute, vehicle, and housing data for Springfield, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Two numbers frame insurance in Springfield: 55% of households are homeowners, and 71% of commuters drive alone. With a population near 61,182, that adds up to a lot of households insuring a house and at least one vehicle.
Springfield commuting and vehicle data
| Measure | Springfield | Oregon |
|---|---|---|
| Drive alone to work | 71% | 64% |
| Carpool | 11% | 8% |
| Work from home | 10% | 19% |
| Commute of 45 minutes or more | 7% | 12% |
| Commute under 15 minutes | 38% | 32% |
| Households with no vehicle | 8% | 7% |
| Households with 3 or more vehicles | 22% | 24% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are shorter in Springfield than statewide: 7% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Only 10% of Springfield workers mostly work from home, below the Oregon share of 19%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
22% of Springfield households keep three or more vehicles, and 8% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Owning a home in Springfield
Homes in Springfield carry a median value of $358,700 and a median construction year of 1976. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show Oregon HO-3 policyholders with $350,000–$399,999 of dwelling coverage paying an average of $919; the all-amounts state average was $1,003.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Springfield
Drivers in Springfield must carry Oregon's minimum of 25/50/20 in liability coverage (pIP $15,000; uninsured motorist 25/50). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Should Springfield homeowners bundle?
A bundle can simplify life in Springfield: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Springfield
Around Springfield, two exposures stand out: wet winter driving and wildfire smoke and fire seasons. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
County hazard detail: FEMA National Risk Index.
How Springfield compares in Oregon
Eugene shows 17% working from home and a median home value of $460,400. Portland: 49% drive alone, 10% commute 45+ minutes, median home $581,500. Salem: 65% drive alone, 12% commute 45+ minutes, median home $416,900. Springfield ranks 16th for long commutes among the 20 Oregon cities we profile.
Gathering details for a Springfield auto and home quote
- Recent claims or violations
- Roof age and material
- Vehicle year, make, model, and VIN
- Annual mileage for each car
- Your existing policies and renewal dates
- Your Springfield address, square footage, and year built
Springfield auto and home insurance FAQ
What auto insurance is required in Springfield?
Oregon requires liability of 25/50/20; pIP $15,000; uninsured motorist 25/50.
Do Springfield drivers have long commutes?
About 7% of Springfield workers commute 45 minutes or more and 38% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Springfield?
There is no single price. As context, Oregon HO-3 policies averaged $1,003 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Springfield
Auto and home insurance in Oregon
Last updated October 15, 2026 · How we research