Cheapest Auto Insurance in Jefferson City, Missouri (2024)

USAA offers the cheapest car insurance in Jefferson City, with minimum-coverage policies as low as $23 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.

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Katie Powers
Edited byKatie Powers
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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.

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Updated April 18, 2024

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Cheapest recent rates near Jefferson City, Missouri

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $56/mo for full coverage in Jefferson City and other Missouri cities.

*Quotes generated for Insurify users in and around Jefferson City, Missouri within the last 10 days. Last updated on April 18, 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 April 18, 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 April 18, 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 April 18, 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 $167 and the national average of $158.

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 CompanyIQ 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 CoverageLiability OnlyBest for
USAA4.5$56$29Veterans
State Farm4.5$67$35Cheap rates
Allstate4.2$90$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 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. 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.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for veterans: USAA

Compare personalized, real-time quotes
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.
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

Read our USAA review
Tom - April 16, 2024
Verified

USAA Excellence for Auto and Personal Property Insurance

Excellent.

Joseph - April 13, 2024
Verified

Excellent

It has been very good for a long time.

Candace - April 12, 2024
Verified

USAA Didn't Look Out for Me!

I was overcharged and rated incorrectly.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
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.
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

Read our State Farm review
Hephzibah - April 16, 2024
Verified

Looking for Good Service and Prices

Not good. The quotes changed and they were difficult to deal with.

Jane - April 16, 2024
Verified

Good Deals

They are friendly and offer good pricing.

Roger - April 16, 2024
Verified

Excellent

Very good agent.

Best insurer for student drivers: Allstate

Compare personalized, real-time quotes
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.
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

Read our Allstate review
Wayne - April 16, 2024
Verified

Good

Find a company cheaper than All-State.

Michael - April 16, 2024
Verified

Poor Customer Service and Website

The customer service is poor. The website is also poor.

Roderick - April 16, 2024
Verified

Searching for a Good Agent

It started out great, but since my agent retired, I don't feel welcome anymore.

Find Cheap Car Insurance in Jefferson City

Liability quotes start at $23 per month

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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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA23
State Farm28
Allstate38
GEICO41
Safeco45
American Family48
Clearcover53
Progressive57
Shelter63
State Auto63
Nationwide66
Auto-Owners69
Travelers69
Liberty Mutual73
Midvale Home & Auto73
Direct Auto77
GAINSCO77
AssuranceAmerica86
The General87
Dairyland90
Bristol West107
Foremost118
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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA45
State Farm54
Allstate73
GEICO80
American Family91
Safeco98
Clearcover105
Progressive111
Travelers115
Nationwide119
Shelter120
Auto-Owners132
Midvale Home & Auto137
Direct Auto161
State Auto161
Liberty Mutual167
AssuranceAmerica174
GAINSCO186
The General211
Foremost249
Dairyland279
Bristol West305
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.

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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]

CoverageMinimum 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 $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 $104 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
USAA23303137
State Farm28363845
Allstate38495261
GEICO41535666
Safeco45636773
American Family48636678
Clearcover53748586
Progressive57778092
Shelter63909396
Nationwide668690107
Auto-Owners699295112
Travelers699195112
Liberty Mutual73102106118
Direct Auto77103108124
GAINSCO7798103124
AssuranceAmerica86119122139
The General87117122141
Dairyland90121125145
Bristol West107141145173
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.

AgeAverage 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.

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.

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