Cheap Auto Insurance Quotes in Joplin, MO (January 2022)

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Last Updated: January 2022

Situated along historic Route 66, Joplin is a small town that many are proud to call home. With a population of just over 50,000 people, it’s no wonder that traffic isn’t a major concern here. The city has several highways that run north-south and east-west, allowing you to travel to your destination with relative ease. Motorists in Joplin tend to enjoy low auto insurance rates thanks to the safe driving of others.

Car Insurance in Joplin, MO

The average cost of Missouri car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Joplin, MO to find you the cheapest quotes in the area.
ProgressiveDirect AutoGEICOState FarmTravelers

Cheapest Car Insurance in Joplin, MO

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Joplin, MO

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Joplin. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

MissouriKansas CitySpringfieldIndependenceColumbiaJoplin
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Joplin, MO Driving Facts


Minimum Car Insurance Requirements in MO

All motor vehicles operated or parked on Missouri roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Missouri state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Missouri law.

  • $10,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Missouri is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in Missouri. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Missouri, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury  

Joplin Car Insurance Rates by Driver Age

At $421, it will be hard for all but the most hardworking teens to pay their car insurance bills without a little help from mom and dad. As drivers log more years behind the wheel, rates tend to go down. Young adults in their 20s save over $175 per month compared to the youngest drivers. Prices pop back up for those in their 40s, but even they pay less than the Show-Me State average of $274. People in their 70s get the best rates and pay less than a third of what teens shell out.

Driving History
No Violation$191
Speeding Ticket$324
At-Fault Accident$287
Failure to Stop for Red Light / Stop SignN/A

Joplin Car Insurance Rates by Driving and Accident History

People in Joplin know safe drivers save lives. But how many know safe drivers save money on their car insurance? Maybe they figured it out through common sense and the insurance companies’ discounts for being a “good driver” or “accident-free.” But one late day to school or work could ruin that if it causes a driver to get a speeding ticket. That ticket will cost $140 per month, over $1,600 per year. It will be that way for three years because that’s how long it takes for violations and tickets to stop affecting car insurance rates.

Joplin Car Insurance Rates by Credit Tier

Missourians might wonder what credit history has to do with the ability to drive. But insurance companies show a relationship between the two things and therefore use credit to set rates. Drivers pay less as their credit improves. The difference between those with excellent credit and poor credit is $45 per month, translating into $540 per year. That’s plenty of reason for most people to pay off debt and try to improve their credit score.

Joplin, MO DMV Information

Joplin has one DMV office located in the heart of the city. It offers a full array of services and is open Monday through Friday from 8:30 a.m. to 5:30 p.m. and on Saturday from 9 a.m. to noon. While certain times of the day can be busier than others, most find that getting in and out of the DMV is far easier here than in other parts of the nation.

Public Transportation in Joplin, MO

Getting around Joplin without a car isn’t impossible, although it will take some planning. Options like Uber and Lyft are available, along with the city’s Sunshine Lamp Trolley. Joplin also offers affordable public transit through MAPS (Metro Area Public transit System). This curb-to-curb system is often the top choice for people looking to get to their destination in the least expensive way possible.

Find local Joplin agents

The Insurancenter 
2901 Arizona Ave, Joplin, MO 64804
'Volk''s Avanti Insurance Agency, Inc. '
4130 S Main St, Joplin, MO 64804
Midwest Insurance Associates 
1710 E 32nd St, Joplin, MO 64804
Kraft Insurance Services 
2701 Bird Ave, Joplin, MO 64804
First Missouri Insurance Agency 
1331 Illinois Ave Ste A, Joplin, MO 64801-5010
Specialty Risk Management
3941 E 20th St Ste C, Joplin, MO 64801-8882
Allied Holding Company dba Auto Insurance Express 
817 S Maiden Ln, Joplin, MO 64801-3803
Specialty Risk Insurance- Joplin 
3941 E 20th St Ste C, Joplin, MO 64801-8882
Insurance Providers
116 N Rangeline Rd, Joplin, MO 64801,
Car Insurance Discounters
2217 S Main St Suite A, Joplin, MO 64804

Insurify Insights: How Joplin Drivers Measure Up

Honda Civic
Most Popular Car in
Joplin, MO
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Joplin drivers measure up to their fellow Missouri motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Joplin

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Joplin drivers rank 27 in the number of car accidents per driver across all cities in Missouri.

  • Rank within state: #27
  • Percent of drivers in Joplin with an accident: 7.63%
  • Drivers in Joplin, MO with an accident in their driving history paid on average 31.48% more than drivers with a clean record

Speeding in Joplin

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Missouri, Joplin drivers rank 20 in the number of speeding infractions per driver.

  • Rank within state: #20
  • Percent of drivers in Joplin with a speeding ticket: 9.34%
  • Drivers in Joplin, MO with a speeding ticket in their driving history paid on average 44.44% more than drivers with a clean record

DUI/DWIs in Joplin

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Joplin drivers rank 6 in the number of DUI’s per driver across all cities in Missouri.

  • Rank within state: #6
  • Percent of drivers in Joplin with a DUI: 2.96%
  • Drivers in Joplin, MO with a DUI in their driving history paid on average 17.28% more than drivers with a clean record

Most Popular Vehicle in Joplin

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Joplin is the Honda Civic.

Rude in Joplin

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Missouri, Joplin drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Joplin with a reckless driving violation: 2.16%
  • Drivers in Joplin, MO with a reckless driving violation in their driving history paid on average 7.41% more than drivers with a clean record.

Safest Drivers in Joplin

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Joplin drivers rank 2 in clean driving records across all cities in Missouri.

  • Rank within state: #2
  • Percent of drivers in Joplin with clean record: 81.89%

Failure to Yield the Right of Way in Joplin

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Joplin drivers rank 4 in failure to yield violations per driver across all cities in Missouri.

  • Rank within state: #4
  • Percent of drivers in Joplin with a failure to yield violation: 0.57%
  • Drivers in Joplin, MO with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Joplin

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Missouri, Joplin drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Joplin with a reckless driving offense: 0.11%

Hybrid/Electric Vehicle Ownership in Joplin

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Joplin drivers rank 19 in hybrid and electric vehicle ownership across all cities in Missouri.

  • Rank within state: #19
  • Percent of drivers in Joplin with a hybrid/electric vehicle: 0.48%

How to get the best and cheapest car insurance in Joplin, MO

Navigating the streets of Joplin isn’t very difficult, making it a great place to live if you want low auto insurance rates and less stress on the road. Perhaps the only consideration to keep in mind is that due to Joplin’s location, tourists who are traveling along Route 66 may stop in town for gas or a bite to eat, but that rarely impacts local travel on a regular basis.

Car insurance is already quite affordable in Missouri, but if you want the best price possible, make sure you visit Insurify. You’ll be able to compare quotes from major insurance companies in a matter of minutes and find the policy that best meets your driving needs.

FAQs - Joplin, MO Car Insurance

How much is car insurance in Joplin?

Many drivers in this area find that they pay far less than the national average for auto coverage. It’s important to remember that your individual rate will be based on a number of factors, including your driving history and possibly your credit score.

Can I drive in Joplin without auto coverage?

If you’re found to be operating a vehicle without insurance, you could face a $500 fine and up to 15 days in jail and may lose your license for up to one year. Like most states in the nation, it’s illegal to drive in Missouri without car insurance.

Am I able to purchase minimum coverage in Joplin?

Yes, drivers can elect to only enroll in the minimum required coverage as set forth by the state of Missouri. Each motorist also has the option to add on additional policy features as they see fit.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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