Cheap Auto Insurance Quotes in Jefferson City, MO (2023)

From it’s regal Capitol building to its scenic placement by the Missouri River, Jefferson City stands out as one of the United States’ most beautiful capital cities. Lewis and Clark even passed through Jefferson City on their famous expedition into the West—though of course they had to make that trek on foot.

Today, most people in Jefferson City get around in their cars. That’s why it’s important for Jefferson City residents to purchase a car insurance policy that meets their specific needs and budget.

Car Insurance in Jefferson City, 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 Jefferson City, MO to find you the cheapest quotes in the area.

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• Cheap Car Insurance Missouri

• Compare Car Insurance

Cheapest Car Insurance in Jefferson City, 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!

Best Car Insurance in Jefferson City, 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 company reviews. The following are the top rated companies that offer car insurance in Jefferson City. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Missouri

Jefferson City Car Insurance Rates by Driver Age

In Jefferson City, teenagers are the costliest age group to insure, with premiums averaging a whopping $435.49. As the age of drivers continues to increase, there is a steady drop in monthly premium rates, with people in their 60s experiencing the lowest rates, at $124.06. Once drivers move into their 70s, the rate of insurance nearly doubles, with an average price of $241.69. This can be attributed to statistics that show older drivers tend to have more accidents than those in their 40s or 50s.

Jefferson City Car Insurance Rates by Driving and Accident History

One of the big benefits to keeping a clean driving and accident history is that you can often find lower average premium rates. Many insurance companies in Jefferson City reward safe driving, and that is why motorists with no violation history often pay lower premium rates of $182.07. While mistakes do happen, certain marks on your driving record can have a big impact on the prices you pay on a monthly basis. For example, having a failure-to-stop incident can lead to an average increase of nearly $100.

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• High-risk Car Insurance Missouri

• DUI Car Insurance Missouri

Jefferson City Car Insurance Rates by Credit Tier

Credit scores can often have a large impact on the overall average premium you will pay for auto insurance. For instance, drivers who maintain an excellent credit score should expect to pay around $145.05 in Jefferson City. However, once you drop below an excellent rating, the prices for coverage go up significantly. Motorists who currently have an average or poor rating may pay as much as $40–$50 more per month for coverage.

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Find local Jefferson City agents

Jefferson City, MO DMV Information

Jefferson City’s license offices are located at the Harry S Truman State Office Building at 301 W High St. And for road tests or written tests, residents can go to the Driver Examination Office at 2015 Schotthill Woods Dr., which is open from 9 a.m. to 5 p.m., Monday through Friday.

Public Transportation in Jefferson City, MO

The city is served by the JeffTran public transit system, which provides bus service during traditional weekday business hours. Meanwhile, if you’re looking to get to cities in the surrounding region, you can take the Amtrak train as it passes through the Jefferson City station, located on the ground floor of the Union Hotel at 101 Jefferson Street.

For more detailed Missouri city level guides, check out these below.

• Average Cost of Car Insurance Rates in Missouri

• DUI Car Insurance Rates in Missouri

• High-Risk Driver Car Insurance Rates in Missouri

• Missouri Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Missouri

• SR-22 Insurance in Missouri

How to get the best and cheapest car insurance in Jefferson City, MO

Like many regions in the Midwest, Jefferson City boasts a car-centric culture. With plenty of major auto insurance providers in the area, drivers have plenty of options as they look to protect themselves and their cars. Insurify can help along the way, quickly connecting you with 10+ free car insurance quotes that you can compare side by side.