Cheap Auto Insurance Quotes in Jefferson City, MO (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$52
$54
$63
$74
$121
Direct AutoProgressiveAllstateState FarmTravelers
Monthly $

Cheapest Car Insurance in Jefferson City, MO

Here are the cheapest carriers in Jefferson City 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 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 carrier reviews. The following are the top rated carriers that offer car insurance in Jefferson City. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$136
$171
$149
$135
$118
$105
MissouriKansas CitySpringfieldIndependenceColumbiaJefferson City
Monthly $

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Jefferson City, 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  

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.

Driving History
No Violation$183
Speeding Ticket$236
At-Fault Accident$238
Failure to Stop for Red Light / Stop Sign$276

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.

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.

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.

Conclusion: 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.

Find local Jefferson City agents

Luebbering Insurance Agency 
2717 Industrial Dr Ste A, Jefferson City, MO 65109
Winter-Dent & Company 
101 E McCarty St, Jefferson City, MO 65102-2913
Missouri Dental Insurance Services 
3340 American Ave Ste E, Jefferson City, MO 65109-1079
Redwood Financial Group 
308 East High Street Ste 101, Jefferson City, MO 65101
West Side Insurance Center 
2413 Hyde Park Rd, Jefferson City, MO 65109-4732
Priority First Insurance & Investments 
1739 Elm Ct Ste 203, Jefferson City, MO 65101-4303
Missouri Association of Insurance Agents 
3315 Emerald Lane, Jefferson City, MO 65109
Agents Marketing Corporation 
3315 Emerald Ln, Jefferson City, MO 65109-6878
Central Bank Insurance Agency 
'2316 St. Mary''s Blvd. Suite 130, Jefferson City, MO 65109'
Wallstreet Group 
1530 Rax Ct, Jefferson City, MO 65109-1794

Insurify Insights: How Jefferson City Drivers Measure Up

ford
Ford Focus
Most Popular Car in
Jefferson City, MO
suspended licenses
#8
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 Jefferson City 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 Jefferson City

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. Jefferson City drivers rank 13 in the number of car accidents per driver across all cities in Missouri.

  • Rank within state: #13
  • Percent of drivers in Jefferson City with an accident: 10.82%
  • Drivers in Jefferson City, MO with an accident in their driving history paid on average 55.13% more than drivers with a clean record

Speeding Jefferson City

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Missouri, Jefferson City drivers rank 9 in the number of speeding infractions per driver.

  • Rank within state: #9
  • Percent of drivers in Jefferson City with a speeding ticket: 11.63%
  • Drivers in Jefferson City, MO with a speeding ticket in their driving history paid on average 45.51% more than drivers with a clean record

DUI/DWIs Jefferson City

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Jefferson City drivers rank 21 in the number of DUI’s per driver across all cities in Missouri.

  • Rank within state: #21
  • Percent of drivers in Jefferson City with a DUI: 1.84%
  • Drivers in Jefferson City, MO with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Jefferson City

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Jefferson City is the Ford Focus.

Hybrid/Electric Vehicle Ownership Jefferson City

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Jefferson City drivers rank 13 in hybrid and electric vehicle ownership across all cities in Missouri.

  • Rank within state: #13
  • Percent of drivers in Jefferson City with a hybrid/electric vehicle: 0.61%

FAQs - Jefferson City, MO Car Insurance

Do major insurance carriers have offices in Jefferson City?

State Farm, Allstate, Nationwide, AAA, and Shelter Insurance all have agents based in Jefferson City, giving residents plenty of options if they’re hoping to work with a large auto insurance carrier.

Will my credit score affect my car insurance rates in Jefferson City?

Yes, if you have a low credit score, car insurance companies in Missouri have the right to charge you higher monthly premiums. Drivers in Missouri can seek out carriers that don’t weigh your credit score too heavily if they’re worried about higher premiums due to poor credit.

Who offers the cheapest car insurance in my area?

Because car insurance prices can vary so much based on a wide range of factors, it’s important to receive a quote before buying insurance. Insurify makes this process easy, helping drivers quickly compare quotes from a variety of companies.

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.