Cheapest Auto Insurance in Joplin, Missouri (2025)

USAA offers the cheapest car insurance in Joplin, with minimum-coverage policies as low as $52 per month.

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Cheapest recent rates near Joplin, Missouri

Drivers using Insurify have found quotes as cheap as $50/mo for liability only and $101/mo for full coverage in Joplin and other Missouri cities.

*Quotes generated for Insurify users in and around Joplin, Missouri within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 30, 2025. 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 July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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In Joplin, Missouri, drivers pay $120 per month, on average, for car insurance — which falls below the Missouri state average of $141 per month. The city’s small population size could contribute to its lower rates.

To find the most affordable coverage in Joplin for your personal situation, start by learning about the best insurers offering coverage in the city.

Here’s what you need to know about comparing quotes and finding coverage for an affordable price in Joplin.

Quick Facts
  • USAA, Progressive, and State Farm have the cheapest car insurance in Joplin.

  • On average, Joplin drivers pay $82 per month for liability-only coverage and $157 for full coverage.

  • Joplin drivers pay a yearly average of $1,888 for full-coverage car insurance.

3 of the cheapest car insurance companies in Joplin

Not all car insurance companies in Joplin offer the exact same coverage options. The right policy and insurer for you depends on unique factors like your coverage needs, budget, driving history, and more.

Below, you’ll find a few of the cheapest car insurance companies offering coverage in Joplin.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
USAA9.1$86$60Cheap rates
State Farm9.3$101$70Teen drivers
Allstate8.9$138$96Drivers with an accident
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
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.
$52/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.
$75/mo
4.9
Best choiceBased on 2,123 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,203)
Carol
Verified Review
I've been with them for 60 years
Reviewed in Georgia on July 2025
They offer a savings account, but you end up paying for it with higher premiums.
Judy
Verified Review
Thoughts on USAA
Reviewed in Texas on July 2025
They are good so far, although I've never had to contact them. I would like a lower monthly premium, but no one has given a lesser amount for insurance and a small renters policy.
Alvin
Verified Review
Top Notch Service!
Reviewed in Texas on July 2025
They're very customer-friendly. They offer the most bang for your bucks!
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA is a highly rated insurance company that exclusively sells coverage to active-duty military members, veterans, and their immediate families. The company is the cheapest car insurance company in Joplin by coverage level, driving history, and age.

USAA offers a good variety of discounts for additional policy savings, but only a few coverage endorsements are available. In addition to liability insurance, the company sells roadside assistance, comprehensive, collision, and uninsured motorist coverage.

Pros
  • Cheapest average auto premiums in Joplin

  • Excellent ratings from J.D. Power and AM Best[1]

Cons
  • Only available to active-duty military members, veterans, and their families

  • Doesn’t offer many optional coverages

Best insurer for teen drivers: State Farm

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
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.
$62/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.
$87/mo
4.1
Best choiceBased on 11,365 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,074)
Thomas
Verified Review
Car insurance rip-off!
Reviewed in New Jersey on July 2025
My family has been driving for over 70 years. Dad has had 1 accident, Mom no accidents, me 2 accidents not my fault, and my son no accidents. No accident claims with State Farm, which we have had for over 20 years, but rates keep going up. We bundle 2 vehicles and homeowners, but can't find a company that will reduce our monthly premium.
Shawn
Verified Review
I like State Farm overall but I do not like their rates and their customer service
Reviewed in Oregon on July 2025
The agent is not attentive.
Christine
Verified Review
It's Real and Affordable!
Reviewed in West Virginia on July 2025
State Farm is great! Prices! What you need! Understanding and will help you save! Customer service is awesome!
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

The largest car insurance company in the U.S., State Farm also has some of the cheapest rates for drivers in Joplin.[2] State Farm stands out for its impressive list of discounts, with savings for safe drivers, good students, policy bundling, insuring multiple vehicles, and having safety features in your vehicle.

The company also has two safe driver rewards programs. But State Farm doesn’t offer as many optional coverages as some insurance companies.

Pros
  • Affordable car insurance rates in Joplin

  • At least 10 advertised discounts

Cons
  • Fewer coverage options than some insurers

  • Gap insurance not available unless you finance your car through State Farm Bank

Best insurer for drivers with an accident: Allstate

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
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.
$83/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.
$119/mo
3.9
A solid optionBased on 6,920 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,672)
Isaac
Verified Review
Non-payment of Reimbursement Transfer
Reviewed in Georgia on July 2025
It started out great, but I moved to transfer a vehicle insurance to another state and they failed to reimburse me my payment or to pay the sister Allstate company so I can continue my insurance with them. Now I have a car in Nevada with Allstate and my car in the state of Georgia has no insurance.
Robert
Verified Review
Cost
Reviewed in West Virginia on July 2025
Rates are extremely high.
Nesbit
Verified Review
Thanks again
Reviewed in Georgia on July 2025
Good experience.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

Allstate is one of the largest insurers in the U.S. by market share. The company sells a number of insurance products, including auto, motorcycle, home, renters, condo, and term life insurance. It offers some of the cheapest average rates in Joplin, and drivers can save even more with one or more of Allstate’s 14 discounts.

Allstate offers optional accident forgiveness coverage that ensures your coverage won’t increase after an accident — even if you caused it. You can also benefit from a safe driving bonus and deductible rewards.

Pros
  • At least 14 advertised discounts

  • Offers accident forgiveness coverage

Cons
  • Above-average number of customer complaints

  • Mixed online customer reviews

How to get the cheapest car insurance in Joplin

Car insurance premiums are unique for each driver. Your coverage needs, driving record, and age are just a few of the factors that can affect your rate. You can find cheap car insurance in Joplin, Missouri, even if you have a spotty driving record.

Here are some tips for reducing your insurance costs:

  • Bundle your policies. Most car insurance companies will give you a discount if you purchase two insurance policies together, like auto insurance and home insurance.

  • Pay in full. If you can afford to pay your annual car insurance premium up front and in full, you could get a small discount on your premium.

  • Choose high deductibles. For policies that require a deductible, selecting a high deductible will lower your monthly premium.

  • Shop around. Car insurance companies charge different rates for the same coverage. Getting quotes from several insurers can help you find the best policy at the best price for your situation.

Find Cheap Car Insurance in Joplin

Liability rates start at $52 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Joplin: USAA

Liability-only car insurance is the cheapest type of auto insurance available in Joplin. It only includes personal liability insurance, which covers your legal and financial responsibilities when you hit another driver and cause bodily injury or property damage.[3] All vehicle owners in Joplin must carry a minimum amount of liability insurance.

Liability-only auto insurance in Joplin costs an average of $82 per month. In the table below, you can see the cheapest car insurance companies in Joplin for liability-only insurance.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$52
Progressive$61
State Farm$62
Safeco$78
Root$78
National General$79
Direct Auto$82
Allstate$83
Bristol West$89
GEICO$92
Clearcover$94
Dairyland$101
American Family$105
GAINSCO$113
The General$115
AssuranceAmerica$137
Shelter$138
Nationwide$147
Auto-Owners$152
Travelers$153
Liberty Mutual$159
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 Joplin: USAA

Full-coverage car insurance provides significantly more protection than a liability-only insurance policy. A full-coverage policy extends physical damage coverage to your vehicle if you face vehicle damage or theft. It’s a good idea to purchase full coverage if you have a new or valuable vehicle. If you lease or finance your vehicle, your lender may require you to purchase full coverage.

“Comprehensive, collision, liability, uninsured/underinsured motorist, and medical payments insurance are all coverages that are typically included with a full-coverage policy,” says P.J. Miller, vice president at Wallace & Turner, Inc.

Drivers in Joplin pay an average of $157 per month for full coverage. Below, you can see which insurers in Joplin have the cheapest average full-coverage insurance rates.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$75
State Farm$87
Progressive$116
Allstate$119
GEICO$131
Safeco$137
American Family$149
National General$156
Direct Auto$164
Clearcover$168
Root$171
Shelter$197
Nationwide$209
Auto-Owners$216
Bristol West$217
Travelers$218
The General$249
Liberty Mutual$249
GAINSCO$269
Dairyland$324
AssuranceAmerica$388
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Joplin, Missouri

Drivers using Insurify have found quotes as cheap as $50/mo for liability only and $103/mo for full coverage in Joplin and other Missouri cities.

*Quotes generated for Insurify users in and around Joplin, Missouri within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 30, 2025. 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 July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Missouri

Missouri state law requires drivers to carry a minimum amount of car insurance, including bodily injury and property damage liability. Drivers must also carry uninsured motorist insurance equal to the bodily injury coverage limits.[4]

Missouri is a tort, or at-fault, state. If you get into an accident, the at-fault driver is responsible for compensating the other person for their medical expenses and vehicle repairs. This differs from no-fault states, where each driver needs to file claims with their insurance company for any damage or injury — regardless of fault.

Here’s the exact minimum-coverage amount you need to purchase in Missouri:

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    $25,000 per person and $50,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Property damage liability

    $25,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist bodily injury liability

    $25,000 per person and $50,000 per accident

You may want to purchase additional coverage to protect you and your vehicle. Common optional coverages include:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Following an accident, collision insurance covers damage to your vehicle even if you caused the collision.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If you face vehicle damage from a non-collision incident — including severe weather, theft, or fire — comprehensive insurance kicks in.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Also called MedPay, medical payments insurance covers medical bills for you and your passengers and doesn’t require a deductible.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Personal injury protection coverage

    In addition to medical expenses, personal injury protection can cover lost wages and essential services while you recover from an accident-related injury.

Cheapest car insurance for drivers with an incident

One of the biggest factors that can affect the cost of car insurance is your driving record. If you have any incidents on your record, such as a speeding ticket, at-fault accident, or DUI conviction, you’ll probably pay a higher car insurance premium.

The rate increase you face will also depend on the severity or frequency of any incidents on your record, as well as your insurance company. For example, your premium would likely increase more after a DUI than a single speeding ticket.

Shop for Car Insurance in Joplin, MO

Monthly rates start at $60 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: USAA

If you have a speeding ticket on your driving record, your car insurance premium may increase slightly. Compared to other violations, a speeding ticket usually has a smaller effect on your premium. The average cost of car insurance for Joplin drivers with a speeding ticket is $193 per month for full coverage and $101 for liability only.

In the table below, you can see the cheapest car insurance companies in Joplin for drivers with a speeding ticket.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
USAA$52$64
Progressive$61$75
State Farm$62$75
Safeco$78$98
Root$78$100
National General$79$96
Direct Auto$82$101
Allstate$83$101
Bristol West$89$110
GEICO$92$116
Clearcover$94$119
Dairyland$101$124
American Family$105$130
GAINSCO$113$133
The General$115$149
AssuranceAmerica$137$162
Shelter$138$176
Nationwide$147$181
Auto-Owners$152$187
Travelers$153$189
Liberty Mutual$159$198
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

Getting into an accident can affect your car insurance premium significantly, depending on your insurance company. The degree of damage you caused in an at-fault accident may also influence how much your rate increases.

The average cost of car insurance for Joplin drivers with an at-fault accident on record is $201 per month for full coverage and $105 for liability only coverage. Here are the cheapest car insurance companies for Joplin drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
USAA$52$66
Progressive$61$78
State Farm$62$78
Safeco$78$105
Root$78$97
National General$79$100
Direct Auto$82$107
Allstate$83$105
Bristol West$89$114
GEICO$92$110
Clearcover$94$134
Dairyland$101$129
American Family$105$134
GAINSCO$113$140
The General$115$152
AssuranceAmerica$137$164
Shelter$138$174
Nationwide$147$187
Auto-Owners$152$191
Travelers$153$195
Liberty Mutual$159$205
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

One of the most serious traffic violations, a DUI conviction typically has the biggest effect on your car insurance rate. Auto insurers associate a DUI or DWI conviction as a risk indicator for future claims or accidents. First-time offenders in Missouri face a 90-day suspension, too.[5]

The average cost of car insurance for Joplin drivers with a DUI is $253 per month for full coverage and $132 for liability-only coverage. Find the cheapest companies in Joplin for drivers with a DUI in the table below.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
USAA$52$81
Progressive$61$98
State Farm$62$97
Safeco$78$124
Root$78$122
National General$79$124
Direct Auto$82$128
Allstate$83$130
Bristol West$89$139
GEICO$92$144
Clearcover$94$147
Dairyland$101$158
American Family$105$164
GAINSCO$113$177
The General$115$180
AssuranceAmerica$137$215
Shelter$138$216
Nationwide$147$230
Auto-Owners$152$238
Travelers$153$240
Liberty Mutual$159$249
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How Long Does a DUI Stay on Your Record?

How Long Does a DUI Stay on Your Record?

Cheapest car insurance for seniors: USAA

Your age is another factor that can influence your auto insurance premium. Average rate data shows that premiums start to decrease consistently around age 35 and start increasing again around age 70. Some senior drivers may face changes in vision and physical abilities that make driving more difficult. Some insurers increase rates to account for the added risk.[6]

The average cost of car insurance for senior drivers in Joplin is $127 per month for full coverage and $67 for liability-only coverage. Here are the cheapest car insurance companies in Joplin for senior drivers.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
USAA$41$59
State Farm$47$66
Progressive$50$94
National General$59$117
Direct Auto$63$125
Root$64$140
Allstate$65$94
Safeco$66$116
GEICO$70$100
Bristol West$71$173
Dairyland$80$257
Clearcover$80$143
American Family$81$115
The General$90$196
GAINSCO$92$218
Shelter$96$137
AssuranceAmerica$103$292
Nationwide$108$154
Travelers$117$167
Auto-Owners$118$168
Liberty Mutual$129$202
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Teen drivers pay much higher car insurance rates than adults. Data shows that drivers between the ages of 16 and 19 have the highest fatal accident rate among all age groups.[7] Additionally, the risk of accidents is very high during the first few months of having a driver’s license.

The average cost of car insurance for teenage drivers in Joplin is $297 per month for full coverage and $155 for liability-only coverage.

Although young drivers can expect to pay high car insurance rates, they can save money in a few ways. For example, staying on your parents’ insurance policy is usually more affordable than getting your own policy. Most car insurance companies offer discounts for teens, like a good student discount for maintaining a certain GPA, too.

Below, you can see which car insurance companies in Joplin offer the most affordable car insurance rates for teens.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
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Full Coverage
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USAA$96$139
Progressive$115$220
State Farm$119$167
Root$138$303
Safeco$162$284
Bristol West$162$394
National General$162$320
Direct Auto$163$326
Allstate$165$236
GEICO$167$237
Clearcover$168$301
Dairyland$171$547
American Family$198$280
The General$200$434
GAINSCO$214$509
AssuranceAmerica$275$778
Shelter$278$397
Auto-Owners$283$402
Nationwide$287$408
Liberty Mutual$291$456
Travelers$307$437
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Joplin

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Joplin car insurance quotes by credit tier

In Missouri, car insurance companies can consider your credit history when determining your premium. In general, drivers with good credit pay less for car insurance than drivers with poor credit. Data shows that drivers with bad credit are more likely to have insurance claims, which is why they often pay higher rates for coverage.[8]

The chart below includes the average car insurance premiums in Joplin for drivers by credit tier.

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.

Is car insurance more expensive in Joplin?

The average cost of car insurance in Joplin is less than the national average of $149 per month. The average monthly car insurance premium in Joplin is $157 for full coverage and $82 for minimum coverage. For comparison, the U.S. national average rate is $192 per month for full coverage and $107 per month for minimum coverage.

Statewide, Missouri drivers pay $141 per month for car insurance. In certain areas of Missouri, including Joplin, insurers may factor in the risk of vehicle damage from severe weather like tornadoes when calculating rates.

More cities in Missouri

Premiums can vary by city and ZIP code. Some specific factors that can affect the cost of car insurance in various cities include population size, vehicle theft rate, crime rates, population density, traffic congestion, and the number of uninsured drivers in the city.

On average, Joplin drivers pay $157 per month for full coverage. Below, you can see average car insurance premiums in some other Missouri cities and how they compare to the average rate in Joplin.

City
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Full Coverage
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Liability Only
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Cape Girardeau$157$96
Columbia$172$93
Independence$193$111
Jefferson City$149$82
Kansas City$212$125
Springfield$164$104
St. Louis$268$155
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Joplin car insurance FAQs

If you still have questions about finding the right coverage in Joplin, the following information should help you navigate the process. Here’s what you should know about car insurance in Joplin.

  • How much is car insurance in Joplin?

    On average, Joplin drivers pay $120 per month for car insurance. Full-coverage insurance costs $75 per month, and liability coverage costs $52, on average. The state average is $186 per month, so Joplin drivers earn lower rates, on average.

    Your specific premium depends on your driving record, credit history, age, coverage, and more.

  • Which company has the cheapest car insurance in Joplin?

    USAA has the cheapest car insurance in Joplin, with monthly liability rates as low as $52. Progressive and State Farm also offer affordable coverage, with respective monthly liability rates of $61 and $62.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Joplin?

    With an Insurify Quality (IQ) Score of 9.3 out of 5, the best insurance company in Joplin is State Farm. The company earned an AM Best financial strength rating of A++ (Superior) and has a below-average number of customer complaints, according to the NAIC.

    Other top insurers include USAA, Allstate, and GEICO.

  • How much car insurance do you need in Missouri?

    You must purchase a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability. In addition to liability insurance, you need to purchase $25,000 per person and $50,000 per accident in uninsured motorist coverage.

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 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:

  • 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. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  2. National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2022 Top 25 Groups and Companies by Countrywide Premium."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Missouri Department of Revenue. "Insurance Information."
  5. Missouri Department of Revenue. "Driving While Intoxicated (DWI)."
  6. Centers for Disease Control and Prevention. "Older Adult Drivers."
  7. Insurance Institute for Highway Safety, Highway Loss Data Institute. "Fatality Facts 2021 Teenagers."
  8. Insurance Information Institute. "Credit and insurance scores."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 

Elizabeth has been a contributor at Insurify since October 2022.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ 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.

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