Cheap Auto Insurance Quotes in Cape Girardeau, MO (2021)

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Also known as “The Cape,” this city is home to two state-of-the-art hospitals and Southeast Missouri State University, bringing with them an influx of traffic daily.

Although it’s good to know that Cape Girardeau has top-notch health options should you ever be in trouble, staying safe on the road should be on every driver’s agenda here. Getting insurance that meets minimum state requirements and your cost expectations is key.

Car Insurance in Cape Girardeau, 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 Cape Girardeau, MO to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$57
$64
$65
$83
$88
ProgressiveAllstateDirect AutoGEICOState Farm
Monthly $

Cheapest Car Insurance in Cape Girardeau, MO

Here are the cheapest carriers in Cape Girardeau for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Cape Girardeau, MO

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Cape Girardeau. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$137
$171
$149
$135
$118
$110
MissouriKansas CitySpringfieldIndependenceColumbiaCape Girardeau
Monthly $

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Cape Girardeau, MO Driving Facts

missouri

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  

Cape Girardeau Car Insurance Rates by Driver Age

If you’re in your 50s and looking to save money, Cape Girardeau is a great place to live, at least when it comes to car insurance rates. Drivers in this age bracket pay the least, with prices that average $122. While teen motorists naturally pay the most for coverage, at $452, all other individuals will find that their rates fluctuate by $100 or so, depending on how old they are, showing that your premium is calculated using more than just your age.

Driving History
No Violation$221
Speeding Ticket$324
At-Fault Accident$326
Failure to Stop for Red Light / Stop Sign$252

Cape Girardeau Car Insurance Rates by Driving and Accident History

It’s in residents’ best interest to keep a clean driving record in Cape Girardeau, as even minor violations can impact car insurance rates. Drivers with no blemishes on their record pay around $220, while failing to stop at an intersection adds $31 to this rate. A speeding ticket proves to be very costly with prices, hovering at $323, and at the most expensive of all, an at-fault accident pushes your premium up to $325.

Cape Girardeau Car Insurance Rates by Credit Tier

Few drivers in Cape Girardeau have credit in the excellent tier; however, those who do find they save the most money on their car insurance. Prices for drivers in this tier are $211, while motorists who have good credit tend to pay an average of $249. Should your credit fall to the average tier, you can expect to pay $228, while Cape Girardeau drivers who have poor credit find their premiums average around $253.

Cape Girardeau, MO DMV Information

You don’t have to worry if you are without a car in Cape Girardeau. Public transportation is available. The Cape Girardeau County Transit Authority services the cities of Cape Girardeau and Jackson, Missouri, as well as several smaller towns within the county. Their Blue/North bus line and Red/South bus line help Cape residents run crosstown shopping errands as well as make it to all of their hospital appointments. If you can’t wait for a bus or don’t see your stop along its route, on-demand cab services are also available in Cape Girardeau and take resident requests from Monday at 5 a.m. to Sunday at 2 p.m. Rates start at $6 for a one-way trip.

Public Transportation in Cape Girardeau, MO

The Missouri Department of Revenue is in charge of titling and registration. Though you’ll probably want to go to its site to browse options and find answers to any DMV questions you may have, the Cape Girardeau branch has its own Facebook page for localized communications. The branch office is located at 51 South Plaza Way with hours from 8:30 a.m. to 5:30 p.m. If you’d rather complete DMV tasks while still in your pj’s (instead of driving around town), you can do so online. The site has separate, easy-to-browse sections for both motor vehicles and driver’s licenses. If you’re up for it, the site also has a chat feature that lets you ask their virtual assistant DORA what to do when you find yourself scratching your head for answers.

Conclusion: How to get the best and cheapest car insurance in Cape Girardeau, MO

From the best place to view Christmas light displays to some of the most gorgeous rooftop views, the city’s travel website publishes all sorts of good tips for visitors to the Cape. You can spend minutes enjoying the sights of the city online or set aside a few days to see this place for yourself.

Though some people would rather wing it and discover the city themselves, hunting for the perfect car insurance shouldn’t be an all-day thing. Insurify helps you find the best coverage and rates in minutes. Instead of having to search high and low for discounts to keep your insurance rates down, let Insurify find the discounts for you.

Find local Cape Girardeau agents

First State Insurance Agency 
2527 William Street, Cape Girardeau, MO 63703-5726
Chap Arnold Insurance Agency 
875 N Kingshighway St, Cape Girardeau, MO 63701-4315
The Daniel & Henry Company 
1435 N Mount Auburn Rd Ste 100, Cape Girardeau, MO 63701-2588
Hoesli Insurance Agency 
338 Broadway Ste 505, Cape Girardeau, MO 63701
Consolidated Insurance Agency 
2909 Beaver Creek Dr, Cape Girardeau, MO 63701-1733
Ken Myles Insurance Agency 
41 S Sprigg Street Ste B, Cape Girardeau, MO 63703-6211
Capital Insurance & Associates 
326 S Broadview St, Cape Girardeau, MO 637035703
WE Walker - Lakenan 
117 South Broadview, Cape Girardeau, MO 63703
Coalter Insurance Group 
1001 Independence St, Cape Girardeau, MO 63701-6119
Bi-State Ins & Fin Svcs dba Thomas Insurance Group 
1925 William St, Cape Girardeau, MO 63703-5949

Insurify Insights: How Cape Girardeau Drivers Measure Up

chevrolet
Chevrolet Malibu
Most Popular Car in
Cape Girardeau, MO
suspended licenses
#28
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 Cape Girardeau 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 Cape Girardeau

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. Cape Girardeau drivers rank 23 in the number of car accidents per driver across all cities in Missouri.

  • Rank within state: #23
  • Percent of drivers in Cape Girardeau with an accident: 9.48%
  • Drivers in Cape Girardeau, MO with an accident in their driving history paid on average 40.34% more than drivers with a clean record

Speeding Cape Girardeau

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Missouri, Cape Girardeau drivers rank 4 in the number of speeding infractions per driver.

  • Rank within state: #4
  • Percent of drivers in Cape Girardeau with a speeding ticket: 13.35%
  • Drivers in Cape Girardeau, MO with a speeding ticket in their driving history paid on average 39.2% more than drivers with a clean record

DUI/DWIs Cape Girardeau

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Cape Girardeau drivers rank 19 in the number of DUI’s per driver across all cities in Missouri.

  • Rank within state: #19
  • Percent of drivers in Cape Girardeau with a DUI: 2.13%
  • Drivers in Cape Girardeau, MO with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Cape Girardeau

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

Rude Cape Girardeau

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Missouri, Cape Girardeau drivers rank 1 in rude driving infractions.

  • Rank within state: #1
  • Percent of drivers in Cape Girardeau with a reckless driving violation: 3.68%
  • Drivers in Cape Girardeau, MO with a reckless driving violation in their driving history paid on average 30.11% more than drivers with a clean record.

Safest Drivers Cape Girardeau

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Cape Girardeau drivers rank 10 in clean driving records across all cities in Missouri.

  • Rank within state: #10
  • Percent of drivers in Cape Girardeau with clean record: 77.37%

Failure to Yield the Right of Way Cape Girardeau

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Cape Girardeau drivers rank 1 in failure to yield violations per driver across all cities in Missouri.

  • Rank within state: #1
  • Percent of drivers in Cape Girardeau with a failure to yield violation: 1.35%
  • Drivers in Cape Girardeau, MO with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Cape Girardeau

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Missouri, Cape Girardeau drivers rank 8 in the number of reckless driving offenses per driver.

  • Rank within state: #8
  • Percent of drivers in Cape Girardeau with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Cape Girardeau

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Cape Girardeau drivers rank 18 in hybrid and electric vehicle ownership across all cities in Missouri.

  • Rank within state: #18
  • Percent of drivers in Cape Girardeau with a hybrid/electric vehicle: 0.51%

FAQs - Cape Girardeau, MO Car Insurance

Is car insurance expensive in Missouri?

Calculating car insurance depends on a lot of things. In some parts of the state, it is less expensive than in others due to varying crime rates and traffic accident statistics. But ZIP code isn’t everything when it comes to calculating and controlling car insurance rates. Car insurance companies take into consideration a wealth of other factors, including your age, your gender, the kind of car you drive, and sometimes even your credit score.

How can I lower my car insurance rates in Missouri?

A few things are within your control in terms of keeping car insurance low, and that includes making sure you are the safest driver possible. Checking with the DMV to ensure that there are no mistakes on your record is another. Increasing your deductible may not always be possible but the direct result will be a lower monthly premium. Shopping around on sites that might offer you better discounts than you have right now can also curb rising rates.

How do I know if I have the right amount of auto insurance coverage in Missouri?

Don’t worry too much about making sure you have the minimum required by state law, as the insurance companies are in the know and will do that work for you. A minimum liability policy may be right for you if that’s all you can afford, but there are optional coverages you’ll want to at least consider, as minimum liability policies only protect the other driver.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.