120+ more*Quotes generated for Insurify users in and around Joplin, Missouri within the last 10 days. Last updated on September 27, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Joplin, Missouri within the last 10 days. Last updated on September 27, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Drivers in Joplin, Missouri, pay an average of $77 per month for liability car insurance and $150 per month for full coverage.
These premiums are cheaper than average rates in Springfield, possibly due to Joplin’s lower risk of vehicle theft and lower overall population density.[1] Car insurance in Joplin is also more affordable than in Branson — likely because of Branson’s large tourism population, which can increase traffic, despite its smaller resident population.
Here’s a look at how rates for auto policies compare to the average car insurance costs in Missouri.
The state of Missouri requires Joplin residents to purchase minimum-coverage car insurance with bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.[2]
The average cost of liability coverage in Joplin is $77 per month. But USAA, State Farm, and Progressive offer the cheapest liability coverage in Joplin, on average.
Here’s a look at the most affordable rates for liability-only insurance in Joplin.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $39 |
| State Farm | $46 |
| Progressive | $50 |
| Allstate | $61 |
| Safeco | $61 |
| National General | $63 |
| Clearcover | $65 |
| GEICO | $67 |
| Root | $67 |
| Direct Auto | $70 |
| Bristol West | $75 |
| The General | $75 |
| American Family | $77 |
| Dairyland | $80 |
| GAINSCO | $85 |
| Liberty Mutual | $91 |
| Shelter | $102 |
| Insurify Car | $104 |
| Auto-Owners | $112 |
| Travelers | $113 |
| AssuranceAmerica | $120 |
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Full-coverage auto insurance typically includes collision coverage and comprehensive coverage, in addition to liability coverage.
Joplin residents pay a monthly average of $150 per month for full-coverage insurance.
Missouri doesn’t require full coverage, but buying it can protect your vehicle from risks a liability-only policy won’t cover. Joplin faces minor flood and wind risks that a full-coverage policy could protect against.[3]
This table highlights the cheapest full-coverage auto insurers in Joplin.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $75 |
| Progressive | $79 |
| State Farm | $89 |
| Safeco | $104 |
| National General | $117 |
| Allstate | $121 |
| Root | $122 |
| Direct Auto | $129 |
| GEICO | $132 |
| Clearcover | $144 |
| American Family | $151 |
| Liberty Mutual | $153 |
| Bristol West | $173 |
| GAINSCO | $194 |
| Shelter | $200 |
| The General | $214 |
| Auto-Owners | $220 |
| Travelers | $221 |
| Dairyland | $237 |
Car insurance costs in Missouri vary by city. For example, drivers in Joplin pay less for coverage than the Missouri state average of $136 per month.
Auto insurance rates in Joplin are also more affordable than in Springfield, which has a greater population density and a higher risk of vehicle theft. Joplin drivers also pay less for coverage than those in Branson, which has a large tourist population and more traffic.
Here’s a look at how car insurance costs in Joplin compare to rates in other Missouri cities.
City | Average Monthly Quote |
|---|---|
| Columbia | $121 |
| Jefferson City | $122 |
| Springfield | $123 |
| Saint Joseph | $124 |
| Branson | $125 |
| Saint Charles | $126 |
| Cape Girardeau | $133 |
| Ballwin | $144 |
| Independence | $145 |
| Kansas City | $160 |
| Saint Louis | $199 |
*Quotes generated for Insurify users in and around Joplin, Missouri within the last 10 days. Last updated on September 27, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Joplin, Missouri within the last 10 days. Last updated on September 27, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Here are the cheapest car insurance companies in Joplin for drivers with different violations on their driving records.
Cheapest car insurance for Joplin drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Joplin: USAA
Cheapest car insurance for Joplin drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Joplin: USAA
Driving while intoxicated (DWI) is a serious offense in Joplin and other cities in Missouri. Currently, 1% of Joplin drivers have a DWI on their record, according to Insurify data.
A first-time DWI conviction can lead to a 90-day license suspension and an SR-22 requirement. Having multiple offenses results in more serious penalties, including a license denial for up to 10 years.[4] Joplin drivers with a DWI on their record pay average monthly car insurance rates of $119 for liability-only insurance and $233 for full coverage.
Other traffic violations, such as speeding tickets and at-fault accidents, can also lead to higher premiums. In Joplin, 3% of drivers have a speeding ticket, and 4% have an at-fault accident on their record.
Below, you’ll find average monthly car insurance quotes in Joplin broken down by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $114 |
| Speeding ticket | $141 |
| At-fault accident | $146 |
| DUI | $148 |
Whether you’re a Joplin local or visiting the area, keep the following factors in mind as a driver.
Snow and ice: In the winter, Joplin prioritizes primary and secondary roads and bridges. The city doesn’t plow residential roads and private streets, so you should be extra careful when navigating them.[5]
Potholes: Due to the wide temperature fluctuations in the area, potholes are a common issue in Joplin, especially in the spring. If you come across one while driving, you can report it through SeeClickFix, the city’s reporting system.
Flooding: Joplin has developed stormwater projects to improve water drainage and reduce the risk of flooding after heavy rain. Be cautious when navigating the city during and after major storms.[6]
Joplin traffic lies along Interstate 44, state Route 171, Route 249, and Rangeline Road, which the city considers a high-volume corridor.[7] Traffic can also increase along U.S. 65 as tourists head toward Branson.
That said, the average commute time of about 18 minutes is relatively short. Fewer people on the road results in less traffic congestion and lower car insurance rates.
Liability quotes start at $39/mo.
Missouri state law allows teens to get their instruction permit at age 15, as long as they pass vision, road-sign recognition, and written tests. At age 16, once they’ve had the permit for at least 182 days, they may be eligible for an intermediate license, which comes with restrictions. At age 18, Joplin teens can graduate to a full, unrestricted driver’s license.[8]
On average, Joplin teen drivers pay $131 per month for liability insurance and $256 per month for full coverage.
This table highlights the lowest average rates for teenage drivers in Joplin.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $69 |
| Progressive | $85 |
| State Farm | $86 |
| Root | $97 |
| Clearcover | $102 |
| Allstate | $104 |
| GEICO | $117 |
| Safeco | $120 |
| National General | $121 |
| Bristol West | $128 |
| The General | $131 |
| Direct Auto | $132 |
| Dairyland | $133 |
| American Family | $140 |
| GAINSCO | $143 |
| Liberty Mutual | $153 |
| Insurify Car | $177 |
| Shelter | $195 |
| Auto-Owners | $218 |
| Travelers | $226 |
| AssuranceAmerica | $240 |
Seniors make up roughly 19% of Joplin’s population, according to U.S. census data. Senior drivers in Joplin pay average monthly car insurance premiums of $65 for liability insurance and $126 for full coverage. USAA offers some of the most affordable car insurance coverage for senior drivers in Joplin.
Here are the cheapest car insurance companies for senior drivers in Joplin.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $31 |
| State Farm | $36 |
| Progressive | $42 |
| National General | $49 |
| Allstate | $51 |
| Safeco | $52 |
| GEICO | $53 |
| Direct Auto | $56 |
| Clearcover | $57 |
| American Family | $61 |
| Root | $61 |
| Bristol West | $62 |
| The General | $63 |
| Dairyland | $67 |
| GAINSCO | $72 |
| Shelter | $72 |
| Liberty Mutual | $74 |
| Auto-Owners | $87 |
| Insurify Car | $88 |
| Travelers | $89 |
| AssuranceAmerica | $93 |
The following information can help answer your remaining questions about auto insurance policies in Joplin, Missouri.
On average, Joplin residents pay $77 per month for liability-only insurance and $150 per month for full coverage. But your exact rate will depend on factors like your age, ZIP code, driving history, deductible, and coverage levels.
USAA offers the lowest car insurance rates in Joplin, with liability policies averaging $39 monthly. State Farm and Progressive are two more of the cheapest car insurance companies in Joplin. To extend your savings, you can earn a bundling discount for buying auto insurance with home insurance, renters insurance, life insurance, motorcycle insurance, or boat insurance from the same company.
USAA is the cheapest car insurance company for teens and young drivers in Joplin, on average. State Farm, American Family, and GEICO are among the best car insurance companies in Missouri for teen drivers. To find the best deal, shop around and get car insurance quotes from at least three different insurance companies.
Yes. Missouri requires drivers to carry uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident. You may also consider optional coverages, like roadside assistance and rental car reimbursement, for extra protection on the road.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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.
