Cheapest Auto Insurance in Jefferson City, Missouri (2024)

USAA offers the cheapest car insurance in Jefferson City, with minimum-coverage policies as low as $25 per month.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

Featured in

media logomedia logomedia logo
Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo

Updated December 2, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Jefferson City, Missouri

Drivers in and around Jefferson City, Missouri have found policies from Allstate, USAA, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Jefferson City, Missouri within the last 10 days. Last updated on December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Jefferson City, Missouri within the last 10 days. Last updated on December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Though Jefferson City is the capital of Missouri, the city has a lower population and motor vehicle theft rate than many other cities in the state.[1] These two factors may partially explain why the average monthly cost of car insurance in Jefferson City is $134 per month, which is lower than the state average of $151 and the national average of $153.

Here’s what you need to know about finding cheap car insurance in Jefferson City.

Quick Facts
  • USAA, State Farm, and Allstate have the cheapest liability insurance in Jefferson City.

  • Jefferson City drivers pay $84 per month for liability insurance and $184 for full-coverage insurance, on average.

  • Auto insurers in Missouri can consider your credit-based insurance score when determining insurance premiums.[2]

3 of the cheapest car insurance companies in Jefferson City 

Comparing quotes from multiple insurers is the best way to find affordable coverage that meets your needs. You should also consider consumer reviews, customer service scores, coverage offerings, and available discounts when looking into various companies.

The best choice for you is the company that meets your insurance needs and offers coverage within your budget. USAA, State Farm, and Allstate are three of the cheapest car insurance companies in Jefferson City. The quotes listed reflect average costs for drivers across the state of Missouri.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
USAA9.4$55$29Veterans
State Farm9.3$65$35Cheap rates
Allstate8.9$88$47Student drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for veterans: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$25/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$48/mo
4.9
Best choiceBased on 1616 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (921)

Fannie

November 29, 2024

Verified Review

Excellent

Excellent service.

Susan

November 25, 2024

Verified Review

New to USAA

I have had limited contact with USAA since I started working with them. I wish my car insurance and homeowners policy were less expensive. I drive less than 50 miles a week and feel I am paying too much.

Andrew

November 25, 2024

Verified Review

Great Insurance but Expensive

The customer service and claims process are outstanding.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Veterans make up 8% of Missouri’s adult population.[3] Veterans and their families can benefit from USAA’s membership services and find lower car insurance rates. USAA also sells other insurance products, like business insurance, homeowners insurance, and renters insurance.

Although USAA doesn’t qualify for a formal ranking on the J.D. Power 2023 U.S. Auto Insurance Study for customer satisfaction, it tends to earn higher overall customer satisfaction in Missouri than other insurance companies. However, limited customer service hours make it difficult to reach a live agent 24/7.

Pros
  • Offers pay-as-you-drive auto insurance

  • Exclusive savings and benefits through enrollment programs

Cons
  • Only available to current, reserve, and retired military members and their families

  • No 24/7 live customer service

Best insurer for cheap rates: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$30/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$56/mo
4.2
Best choiceBased on 9085 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,997)

Sofia

December 1, 2024

Verified Review

State Farm

I would not recommend them as they are one of the more expensive insurance companies and many of them will overcharge you.

Bernice

December 1, 2024

Verified Review

Fair

The price is too high for the elderly.

Donna

November 30, 2024

Verified Review

It's Okay, Could Be Better

There's too much runaround in getting answers.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

The largest national insurance company by market share, State Farm is one of the five largest insurance companies operating in Missouri. State Farm also has an AM Best financial strength rating of A++ (Superior), which means it’s in a great position to pay out claims.

The company offers some of the cheapest coverage in Jefferson City. Policyholders can also benefit from State Farm’s discounts and options to bundle auto insurance coverage with home insurance, life insurance, and more.

Pros
  • Below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC)

  • Customizable coverage options

Cons
  • Doesn’t offer gap insurance

  • Fewer discounts than some competitors

Best insurer for student drivers: Allstate

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$41/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$76/mo
4.0
Best choiceBased on 5666 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,081)

Fernando

November 28, 2024

Verified Review

Just So

There needs to be more competition in drive-by-mile insurance.

Mark

November 28, 2024

Verified Review

Good

There is no communication other than policy renewal.

Nina

November 27, 2024

Verified Review

Unhappy Customer

They are overpriced.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

Teens and young drivers in Jefferson City, and elsewhere in the country, typically pay higher rates than drivers in other age groups. Allstate is a good option for young drivers to consider because it offers 11 different discounts, including a smart student discount for drivers younger than 25.

Allstate also offers programs to help teens improve their driving habits, like Drivewise and teenSMART. And if a young driver has an accident, an accident forgiveness program can help keep rates as low as possible.

Pros
  • Programs designed for young drivers

  • 24/7 roadside assistance available through mobile app

Cons
  • Below-average J.D. Power customer satisfaction ranking in the Central region

  • Some negative online customer reviews

Find Cheap Car Insurance in Jefferson City

Liability quotes start at $25 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

How to get the cheapest car insurance in Jefferson City

Rather than searching for the cheapest motor vehicle insurance available, you should look for the coverage options you need at the lowest prices offered. Although you can’t control how factors like your ZIP code, crime rates in your area, and age influence car insurance rates, you can still take action to save money.

Here are some tips to help you save:

  • Shop around. It’s a good idea to compare quotes annually to see the different rates available to you. Prices for car insurance fluctuate, so even if the national average increases, you may find that rates in Jefferson City decrease due to competition between local insurance companies.

  • Take advantage of discounts. Most insurance companies offer a variety of discounts. You can earn some discounts right away, like those for having vehicle safety features. Other savings come with time, such as discounts for remaining accident-free or for being a loyal customer.

  • Increase your deductible. If you increase your deductible, you’ll typically pay a lower car insurance premium. As long as you can afford potentially paying out your deductible, you can increase it to benefit from lower average rates.[4]

Cheapest liability-only car insurance in Jefferson City: USAA

Like in most states, Missouri drivers must carry a minimum amount of liability insurance to pay for the other driver’s injuries and damages if you cause an accident. It won’t cover your injuries or vehicle damages.

The average cost of liability insurance in Jefferson City is $84 per month. Compare some of the cheapest coverage options below.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
USAA$25
State Farm$30
Allstate$41
GEICO$44
American Family$51
Clearcover$60
Progressive$61
Shelter$67
Nationwide$71
Auto-Owners$73
Travelers$74
Safeco$78
Direct Auto$80
National General$83
Dairyland$103
GAINSCO$111
Bristol West$112
The General$112
Liberty Mutual$117
AssuranceAmerica$122
Foremost$135
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Jefferson City: USAA

Unlike liability-only coverage, a full-coverage insurance policy includes optional coverages like collision and comprehensive insurance. If you have a vehicle loan or lease, your lender may require you to purchase this coverage. Even if your lender doesn’t require it, you should consider purchasing it for vehicle protection.

Full-coverage car insurance in Jefferson City costs $184 per month, on average. Here are some of the cheapest full-coverage insurance options for drivers in the city.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
USAA$48
State Farm$56
Allstate$76
GEICO$83
American Family$95
Progressive$116
Clearcover$124
Safeco$124
Shelter$126
Nationwide$134
Auto-Owners$138
Travelers$139
Direct Auto$160
National General$175
Liberty Mutual$232
GAINSCO$265
The General$265
Foremost$291
Bristol West$296
Dairyland$319
AssuranceAmerica$381
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Jefferson City, Missouri

Drivers in and around Jefferson City, Missouri have found policies from Bristol West, Dairyland, GEICO, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Jefferson City, Missouri within the last 10 days. Last updated on December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Jefferson City, Missouri within the last 10 days. Last updated on December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Missouri

Missouri state law requires drivers to purchase a minimum amount of liability car insurance, including bodily injury and property damage insurance. Every auto policy insurer in Missouri must offer at least the minimum liability coverage required by the state.

Here are the specific requirements Missouri drivers must meet:[5]

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist bodily injury$25,000 per person / $50,000 per accident

Because liability insurance doesn’t cover your damages and loss after an accident, you may want to purchase other optional coverages for greater protection. Common coverages to consider include the following:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers damages to your car from non-collision incidents, such as theft, weather damage, and severe weather like fire or flooding.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you collide with another vehicle or object, collision insurance pays for damages to your car, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Following a car accident, medical payments coverage can pay the medical bills for you and your passengers.

Compare Jefferson City Car Insurance Quotes

Monthly liability insurance starts at $25

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with an incident

Having one or more past driving incidents on your record can increase your car insurance rates. Incidents include speeding tickets, at-fault accidents, DUIs, and other moving violations, like a fender bender.

Auto insurers view people with past incidents as higher-risk drivers more likely to have an accident, so they increase premiums accordingly. Jefferson City drivers with a past incident pay an average of $108 per month for liability car insurance.

Compare the cost of liability insurance by driving record in Jefferson City below.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
USAA$25$33$35$42
State Farm$30$39$41$50
Allstate$41$54$57$69
GEICO$44$57$61$74
American Family$51$67$71$86
Clearcover$60$79$90$101
Progressive$61$79$86$102
Shelter$67$91$97$112
Nationwide$71$94$100$119
Auto-Owners$73$96$102$122
Travelers$74$98$104$124
Safeco$78$103$108$118
Direct Auto$80$105$114$134
National General$83$109$115$139
Dairyland$103$134$142$173
GAINSCO$111$156$148$186
Bristol West$112$147$156$188
The General$112$150$159$188
Liberty Mutual$117$164$173$196
AssuranceAmerica$122$158$165$205
Foremost$135$189$199$226
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Your age plays a significant role in auto insurance premiums because certain age groups pose higher risk. Teenagers typically pay the highest car insurance rates due to a lack of driving experience. Most drivers will see rates decline between ages 35 and 70.

Senior drivers comprise 21% of licensed drivers on the road in Missouri.[6] Car insurance policyholders older than 70 may face increased insurance rates due to the risk of aging-related mobility or cognitive issues.

The following table compares the average monthly quote for Jefferson City drivers of different age categories.

Age
Average Monthly Quote
Teens$352
20s$252
30s$177
40s$153
50s$136
60s$124
70s$134
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Jefferson City, MO

Insurify partners with 100+ top insurers for quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Jefferson City car insurance quotes by credit tier

Missouri allows insurance companies to look at snapshots of a driver’s credit history to influence rates. However, state law prohibits insurers from setting a rate purely on this information alone.

Drivers with excellent or good credit scores usually pay lower rates than drivers with poor credit scores. Compare the average cost of full-coverage car insurance in Jefferson City by credit tier below.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Jefferson City car insurance FAQs

Before shopping around for quotes, you should determine the right amount of car insurance for your needs. The following information should help you find cheap car insurance in Jefferson City.

  • How much is car insurance in Jefferson City?

    The overall cost of car insurance in Jefferson City is $134 per month, on average. Drivers in the city pay $84 per month for liability insurance and $184 for full-coverage insurance, on average. Ultimately, how much you pay for coverage will depend on your driving record, age, ZIP code, and more.

  • Which companies have the cheapest car insurance in Jefferson City?

    USAA has a monthly liability insurance rate of $25, making it the cheapest car insurance company in Jefferson City. State Farm and Allstate also offer cheap coverage, with respective liability insurance rates of $30 and $41 per month.

    The best way to find cheap coverage is to compare quotes from multiple insurers at the same time.

  • What are the best car insurance companies in Jefferson City?

    With a high customer satisfaction ranking in the J.D. Power 2023 U.S. Auto Insurance Study, an AM Best financial strength rating of A++ (Superior), and a high Insurify Quality (IQ) Score of 9.3 out of 5, State Farm is the best car insurance company in Jefferson City. Missouri drivers with coverage from State Farm pay $35 per month for liability insurance and $65 for full-coverage insurance.

    Other top auto insurers include Allstate, USAA, and Travelers.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Federal Bureau of Investigation. "Missouri: Offenses Known to Law Enforcement by City, 2019."
  2. Missouri Department of Insurance. "Credit History and Insurance FAQs."
  3. Housing Assistance Council. "Supporting Veterans in Missouri."
  4. Insurance Information Institute. "How to save money on car insurance."
  5. Missouri Department of Revenue. "Insurance Information."
  6. Missouri Department of Transportation. "Older Drivers."
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all