In Joplin, Missouri, the cheapest car insurance companies are USAA, State Farm, and Allstate. These insurers offer average quotes cheaper than the citywide average rates in Joplin. Drivers in the city pay $211 per month, on average, for car insurance — which falls below the Missouri state average of $244 per month.

However, the cheapest auto insurance company looks different for everyone. 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 finding coverage for an affordable price in Joplin.

Quick Facts

Missouri permits insurers to consider your credit history when determining premiums.
On average, Joplin drivers pay $150 per month for liability-only coverage and $280 for full coverage.
The average insurance rate for a driver in Joplin with excellent credit is $216 per month.

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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 best cheap car insurance companies offering coverage in Joplin.

Best insurer for cheap rates: USAA

cheap ratesUSAA

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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.	$43/mo

Overview

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 and cons

Pros

Cheapest average auto premiums in Joplin
Excellent ratings from J.D. Power and A.M. Best^[1]

Cons

Only available to active-duty military members, veterans, and their families
Doesn’t offer many optional coverages

Reviews

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

They Serve The Veteran.

Jack - September 7, 2023

Verified

Raised rates nearly 43%.

Jan - June 19, 2023

Verified

Read our USAA review

Best insurer for teenagers: State Farm

teenagersState 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.	$50/mo

Overview

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. However, State Farm doesn’t offer as many optional coverages as some insurance companies.

Pros and cons

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

Reviews

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023

Verified

Premiums jump every six months

Kenneth - January 31, 2023

Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023

Verified

Read our State Farm review

Best insurer for drivers with an accident: Allstate

driver with an accident 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.	$37/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.	$68/mo

Overview

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 and cons

Pros

At least 14 advertised discounts
Offers accident forgiveness coverage

Cons

Above-average number of customer complaints
Mixed online customer reviews

Reviews

Good company, but costs more for premiums

Patricia - February 1, 2023

Verified

My rate for auto insurance jumped approximately $100 after six months and I was unable to get a satisfactory explanation.

Burl - January 30, 2023

Verified

They’ve given good service, but there were times when things could have been handled a bit more professionally.

Dorothy - January 18, 2023

Verified

Read our Allstate review

Cheapest liability-only car insurance in Joplin

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.

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
USAA	23
State Farm	28
Allstate	37
GEICO	41
Safeco	44
American Family	47
Progressive	57
Clearcover	58
State Auto	61
Liberty Mutual	66
Auto-Owners	68
Travelers	68
Dairyland	70
Direct Auto	75
AssuranceAmerica	84
The General	85
Bristol West	102
Foremost	119

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 Joplin

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.

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
USAA	43
State Farm	50
Allstate	68
GEICO	74
American Family	85
Clearcover	100
Safeco	101
Nationwide	102
Progressive	106
Travelers	108
Auto-Owners	123
Direct Auto	133
Liberty Mutual	149
AssuranceAmerica	158
State Auto	160
Dairyland	165
Foremost	172
The General	201
Bristol West	274

Estimate your insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 35%

I’m a homeowner

Save 5%

I’m married

Save 24%

I have multiple cars

Save 38%

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:

Bodily injury liability

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

Property damage liability

$25,000 per accident

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:

Collision

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

Comprehensive

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

Medical payments

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

Personal injury protection

In addition to medical expenses, PIP 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.

Find Cheap Car Insurance in Joplin

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Cheapest car insurance for drivers with a speeding ticket

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.

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
USAA	61
State Farm	71
Allstate	96
GEICO	105
American Family	120
Clearcover	141
Safeco	143
Nationwide	144
Progressive	150
Travelers	153
Auto-Owners	174
Direct Auto	188
Liberty Mutual	211
AssuranceAmerica	223
State Auto	226
Dairyland	233
Foremost	243
The General	284
Bristol West	387

Cheapest car insurance for drivers with an at-fault accident

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

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
USAA	64
State Farm	75
Allstate	102
GEICO	111
American Family	127
Clearcover	150
Safeco	151
Nationwide	153
Progressive	159
Travelers	162
Auto-Owners	184
Direct Auto	199
Liberty Mutual	223
AssuranceAmerica	236
State Auto	239
Dairyland	247
Foremost	257
The General	301
Bristol West	410

Cheapest car insurance for drivers with a DUI

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]

Find the cheapest companies in Joplin for drivers with a DUI in the table below.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
USAA	73
State Farm	85
Allstate	115
GEICO	125
American Family	144
Clearcover	170
Safeco	171
Nationwide	173
Progressive	180
Travelers	183
Auto-Owners	209
Direct Auto	225
Liberty Mutual	253
AssuranceAmerica	268
State Auto	271
Dairyland	280
Foremost	292
The General	341
Bristol West	465

How Long Does a DUI Stay On Your Record?

Cheapest car insurance for seniors

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 75. 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]

Here are the cheapest car insurance companies in Joplin for senior drivers.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
USAA	19
State Farm	22
Allstate	30
GEICO	33
American Family	38
Clearcover	44
Nationwide	45
Safeco	45
Progressive	47
Travelers	48
Auto-Owners	54
Direct Auto	59
Liberty Mutual	66
AssuranceAmerica	70
State Auto	71
Dairyland	73
Foremost	76
The General	89
Bristol West	121

Cheapest car insurance for teens

Teen drivers typically 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.

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
USAA	82
State Farm	96
Allstate	130
GEICO	142
American Family	163
Clearcover	191
Safeco	193
Nationwide	195
Progressive	203
Travelers	207
Auto-Owners	235
Direct Auto	255
Liberty Mutual	285
AssuranceAmerica	302
State Auto	306
Dairyland	316
Foremost	329
The General	385
Bristol West	524

How to get the cheapest car insurance in Joplin

Car insurance premiums are unique for each driver. Your auto insurance coverage needs, driving record, and age are just a few of the different 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

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Joplin car insurance quotes by credit tier

In Missouri, car insurance companies can consider your credit score 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 $1 less than the national average of $212 per month. The average monthly car insurance premium in Joplin is $280 for full coverage and $150 for minimum coverage. For comparison, the U.S. national average rate is $253 per month for full coverage and $170 per month for minimum coverage.

Statewide, Missouri drivers pay $244 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. For example, the average rate in Kansas City is more than 20% higher than the average rate in Joplin. Some of the 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 $280 per month for full coverage. Below, you can see the average full-coverage car insurance premiums in some other Missouri cities and how they compare to the average rate in Joplin.

City	Average Monthly Quote	Compared to Joplin
Columbia	$255	-9%
Florissant	$388	39%
Independence	$261	-7%
Jefferson City	$249	-11%
Kansas City	$341	22%
Lee’s Summit	$270	-4%
Saint Charles	$282	1%
St. Louis	$398	42%
Springfield	$243	-13%

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.

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 $211 per month for car insurance. Full-coverage insurance costs $280 per month, and liability coverage costs $150 on average. The state average is $244 per month, so Joplin drivers earn lower rates, on average. Your specific premium depends on your driving record, credit history, age, coverage, and more.
What are the best car insurance companies in Joplin?
With an Insurify Quality (IQ) Score of 4.4 out of 5, the best insurance company in Joplin is State Farm. The company earned an A++ (Superior) financial strength rating from A.M. Best 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 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.

More cities in Missouri

Popular cities

Sources

J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds." Accessed June 30, 2023
National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2022 Top 25 Groups and Companies by Countrywide Premium." Accessed June 30, 2023
Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed June 30, 2023
Missouri Department of Revenue. "Insurance Information." Accessed June 30, 2023
Missouri Department of Revenue. "Driving While Intoxicated (DWI)." Accessed June 30, 2023
Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed June 30, 2023
Insurance Institute for Highway Safety, Highway Loss Data Institute. "Fatality Facts 2021 Teenagers." Accessed June 30, 2023
Insurance Information Institute. "Credit and insurance scores." Accessed June 30, 2023

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.

Learn More

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.

Read Editorial Guidelines

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Table of contents

Table of contentsCompare quotes

Find Cheap Car Insurance in Joplin

Cheapest car insurance companies in Joplin

Best insurer for cheap rates: USAA

cheap ratesUSAA

Best insurer for teenagers: State Farm

teenagersState Farm

Best insurer for drivers with an accident: Allstate

driver with an accident Allstate

Cheapest liability-only car insurance in Joplin

Cheapest full-coverage car insurance in Joplin

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Missouri

Bodily injury liability

Property damage liability

Uninsured motorist bodily injury liability

Collision

Comprehensive

Medical payments

Personal injury protection

Cheapest car insurance for drivers with an incident

Find Cheap Car Insurance in Joplin

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

How Long Does a DUI Stay On Your Record?

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Joplin

Find Cheap Car Insurance in Joplin

Joplin car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Joplin?

More cities in Missouri

How to Shop for Car Insurance Quotes

Joplin car insurance FAQs

Methodology

Related articles

More cities in Missouri

Popular cities

Sources

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