Cheap Auto Insurance Quotes in Blue Springs, MO (January 2022)

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Last Updated: January 2022

Car Insurance in Blue Springs, MO

The average cost of Missouri car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Blue Springs, MO to find you the cheapest quotes in the area.
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Cheapest Car Insurance in Blue Springs, MO

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

MissouriKansas CitySpringfieldIndependenceColumbiaBlue Springs
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Blue Springs, MO Driving Facts


Minimum Car Insurance Requirements in MO

All motor vehicles operated or parked on Missouri roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Missouri state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Missouri law.

  • $10,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Missouri is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in Missouri. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Missouri, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury  

Find local Blue Springs agents

GM Peters Insurance Agency 
704 W Main St Ste E, Blue Springs, MO 64015
Tipton Hill Insurance 
1201 NW North Ridge Drive, Blue Springs, MO 64015
Mid USA Insurance Agency 
2054 NW South Outer Rd, Blue Springs, MO 64015
Billups Snyder & Associates 
905 SW Walnut St, Blue Springs, MO 64015-4252
Alternative Risk Company 
605 SW US Highway 40 Ste 359, Blue Springs, MO 64014
Protsman Insurance Agency dba Premier Network 
1962 NW Copper Oaks Circle, Blue Springs, MO 64015
Freeway Insurance Services
802 NW Hwy 7, Blue Springs, MO 64014,
Allstate Insurance
713 NW Woods Chapel Rd, Blue Springs, MO 64015,
Kyle Uhlig: Allstate Insurance
1701 W 40 Hwy Suite 103, Blue Springs, MO 64015,
Farmers Insurance - Jake Greco
807 W Main St Ste B, Blue Springs, MO 64015, 

Insurify Insights: How Blue Springs Drivers Measure Up

Chevrolet Malibu
Most Popular Car in
Blue Springs, MO
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Blue Springs drivers measure up to their fellow Missouri motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Blue Springs

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Blue Springs drivers rank 29 in the number of car accidents per driver across all cities in Missouri.

  • Rank within state: #29
  • Percent of drivers in Blue Springs with an accident: 7.42%
  • Drivers in Blue Springs, MO with an accident in their driving history paid on average 59.49% more than drivers with a clean record

Speeding in Blue Springs

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Missouri, Blue Springs drivers rank 14 in the number of speeding infractions per driver.

  • Rank within state: #14
  • Percent of drivers in Blue Springs with a speeding ticket: 10.52%
  • Drivers in Blue Springs, MO with a speeding ticket in their driving history paid on average 45.13% more than drivers with a clean record

DUI/DWIs in Blue Springs

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Blue Springs drivers rank 1 in the number of DUI’s per driver across all cities in Missouri.

  • Rank within state: #1
  • Percent of drivers in Blue Springs with a DUI: 3.3%
  • Drivers in Blue Springs, MO with a DUI in their driving history paid on average -87.18% more than drivers with a clean record

Most Popular Vehicle in Blue Springs

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Blue Springs is the Chevrolet Malibu.

Hybrid/Electric Vehicle Ownership in Blue Springs

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Blue Springs drivers rank 1 in hybrid and electric vehicle ownership across all cities in Missouri.

  • Rank within state: #1
  • Percent of drivers in Blue Springs with a hybrid/electric vehicle: 1.72%


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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