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.
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.
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Cheapest recent rates in Missouri
Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $57/mo for full coverage in Missouri.
*Quotes generated for Insurify users from Missouri within the last 10 days. Last updated on March 25, 2024
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 March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Missouri within the last 10 days. Last updated on March 25, 2024
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 March 25, 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 $164 and the national average of $157.
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 $77 per month for liability insurance and $190 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
USAA
4.5
$57
$29
Veterans
State Farm
4.5
$67
$35
Cheap rates
Allstate
4.2
$91
$47
Student 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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$23/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.
$45/mo
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
Roy - March 21, 2024
Verified
My Review
USAA is the best.
Gary - March 18, 2024
Verified
Poor
Too darn high.
Gabrielle - March 16, 2024
Verified
Just Don't! Save Yourself!
Absolutely terrible. This company left me without a car for 8 months. They couldn't decide whether or not to total my car after it was already repaired. There were so many mistakes on their end and all I received at the end was a voicemail acknowledging their mistakes and an apology. This was literally the worst experience I've had with an insurance company. I'm traumatized!
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$28/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.
$54/mo
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
Craig - March 26, 2024
Verified
I called three times to talk with an agent, but he never called back. It was a very disappointing experience!
I called three times to talk with an agent, but he never called back. It was a very disappointing experience!
David - March 26, 2024
Verified
Considering Expanding Coverage
I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.
Beverly - March 26, 2024
Verified
Unsatisfactory Experience
A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$38/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.
$73/mo
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
Anitra - March 26, 2024
Verified
Fair
I'm not happy with the way they changed my policy. The price went from $122 to $401.
Palline - March 26, 2024
Verified
I feel discouraged
Customer service varies greatly depending on the agent.
Sherry - March 25, 2024
Verified
Happy Camper
Any time I call for clarification on a question, it's handled immediately and in a manner I can understand. I have confidence in the office I deal with and I am assured that I receive all my discounts.
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 $77 per month. Compare some of the cheapest coverage options below.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
USAA
23
State Farm
28
Allstate
38
GEICO
41
Safeco
45
American Family
48
Clearcover
53
Progressive
57
Shelter
63
State Auto
63
Nationwide
66
Auto-Owners
69
Travelers
69
Liberty Mutual
73
Midvale Home & Auto
73
Direct Auto
77
GAINSCO
77
AssuranceAmerica
86
The General
87
Dairyland
90
Bristol West
107
Foremost
118
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 $190 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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
USAA
45
State Farm
54
Allstate
73
GEICO
80
American Family
91
Safeco
98
Clearcover
105
Progressive
111
Travelers
115
Nationwide
119
Shelter
120
Auto-Owners
132
Midvale Home & Auto
137
Direct Auto
161
State Auto
161
Liberty Mutual
167
AssuranceAmerica
174
GAINSCO
186
The General
211
Foremost
249
Dairyland
279
Bristol West
305
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.
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]
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:
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.
Collision coverage
If you collide with another vehicle or object, collision insurance pays for damages to your car, regardless of fault.
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 $23
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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 $103 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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
USAA
23
30
31
37
State Farm
28
36
37
45
Allstate
38
49
51
61
GEICO
41
53
55
66
Safeco
45
64
67
72
American Family
48
63
65
77
Clearcover
53
74
85
85
Progressive
57
76
80
92
Shelter
63
89
93
95
Nationwide
66
86
90
106
Auto-Owners
69
92
94
111
Travelers
69
90
94
111
Liberty Mutual
73
101
106
118
Direct Auto
77
103
108
124
GAINSCO
77
97
102
124
AssuranceAmerica
86
119
122
138
The General
87
116
121
140
Dairyland
90
120
124
145
Bristol West
107
140
144
172
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.
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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 $77 per month for liability insurance and $190 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 $23, making it the cheapest car insurance company in Jefferson City. State Farm and Allstate also offer cheap coverage, with respective liability insurance rates of $28 and $38 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 4.5 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 $67 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.
Missouri Department of Transportation. "Older Drivers." Accessed February 5, 2024
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.
Edited byKatie PowersAuto and Life Insurance Editor
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.