Jefferson City, MO Auto Insurance (2024)
The average Jefferson City, MO auto insurance rates are $252 per month. The minimum auto insurance in Jefferson City is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Jefferson City, Missouri, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Jefferson City, MO for senior drivers are $1,694 per year
- The minimum auto insurance required in Jefferson City, Missouri is 25/50/25
- The cheapest auto insurance company in Jefferson City is Nationwide
Jefferson City, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Jefferson City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Jefferson City, Missouri, including driving record, credit, commute time, and more.
Compare auto insurance in Jefferson City to other Missouri cities, including St. Charles auto insurance rates, St. Louis auto insurance rates, and O’Fallon auto insurance rates to see how Jefferson City, Missouri auto insurance rates stack up.
Before you buy Jefferson City, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Jefferson City, Missouri auto insurance quotes.
Minimum Auto Insurance in Jefferson City, Missouri
Jefferson City, Missouri auto insurance laws require that you have at least the Missouri minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Jefferson City, Missouri.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Jefferson City, Missouri Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Jefferson City, Missouri are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,592 | $2,517 | $2,327 | $2,401 | $7,014 | $7,592 | $2,499 | $2,586 |
| American Family | $1,895 | $1,895 | $1,688 | $1,688 | $5,144 | $6,690 | $1,895 | $2,217 |
| Farmers | $2,016 | $2,008 | $1,800 | $1,911 | $8,333 | $8,608 | $2,295 | $2,393 |
| Geico | $1,655 | $1,862 | $1,289 | $1,663 | $5,234 | $5,539 | $1,508 | $1,512 |
| Liberty Mutual | $2,525 | $2,737 | $2,079 | $2,334 | $8,814 | $9,795 | $2,657 | $2,831 |
| Nationwide | $1,378 | $1,406 | $1,237 | $1,307 | $3,502 | $4,472 | $1,574 | $1,699 |
| Progressive | $1,901 | $1,753 | $1,558 | $1,605 | $6,342 | $7,107 | $2,310 | $2,354 |
| State Farm | $1,443 | $1,443 | $1,300 | $1,300 | $4,290 | $5,394 | $1,626 | $1,862 |
| USAA | $1,661 | $1,646 | $1,491 | $1,518 | $5,002 | $6,115 | $2,074 | $2,307 |
Cheap Jefferson City, Missouri Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Jefferson City, Missouri is a challenge. Take a look at the annual teen auto insurance rates in Jefferson City, Missouri.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,014 | $7,592 |
| American Family | $5,144 | $6,690 |
| Farmers | $8,333 | $8,608 |
| Geico | $5,234 | $5,539 |
| Liberty Mutual | $8,814 | $9,795 |
| Nationwide | $3,502 | $4,472 |
| Progressive | $6,342 | $7,107 |
| State Farm | $4,290 | $5,394 |
| USAA | $5,002 | $6,115 |
Cheap Jefferson City, Missouri Auto Insurance for Seniors
What are senior auto insurance rates in Jefferson City, Missouri? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,327 | $2,401 |
| American Family | $1,688 | $1,688 |
| Farmers | $1,800 | $1,911 |
| Geico | $1,289 | $1,663 |
| Liberty Mutual | $2,079 | $2,334 |
| Nationwide | $1,237 | $1,307 |
| Progressive | $1,558 | $1,605 |
| State Farm | $1,300 | $1,300 |
| USAA | $1,491 | $1,518 |
Cheap Jefferson City, Missouri Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Jefferson City, Missouri compared to the annual auto insurance rates with a clean record in Jefferson City, Missouri.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,183 | $3,577 | $4,417 | $3,587 |
| American Family | $2,164 | $3,142 | $3,784 | $2,466 |
| Farmers | $3,177 | $3,948 | $3,861 | $3,695 |
| Geico | $1,957 | $2,564 | $3,481 | $2,129 |
| Liberty Mutual | $3,067 | $4,405 | $4,535 | $4,878 |
| Nationwide | $1,629 | $2,089 | $2,787 | $1,782 |
| Progressive | $2,692 | $3,623 | $2,990 | $3,160 |
| State Farm | $2,135 | $2,530 | $2,332 | $2,332 |
| USAA | $2,179 | $2,649 | $3,694 | $2,385 |
Cheap Jefferson City, Missouri Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Jefferson City, Missouri is not easy. Compare the annual rates for DUI auto insurance in Jefferson City, Missouri to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,417 |
| American Family | $3,784 |
| Farmers | $3,861 |
| Geico | $3,481 |
| Liberty Mutual | $4,535 |
| Nationwide | $2,787 |
| Progressive | $2,990 |
| State Farm | $2,332 |
| USAA | $3,694 |
Cheap Jefferson City, Missouri Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Jefferson City, Missouri annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,086 | $3,275 | $2,712 |
| American Family | $3,772 | $2,656 | $2,239 |
| Farmers | $4,193 | $3,495 | $3,324 |
| Geico | $3,493 | $2,279 | $1,825 |
| Liberty Mutual | $6,049 | $3,701 | $2,915 |
| Nationwide | $2,440 | $2,019 | $1,756 |
| Progressive | $3,604 | $2,989 | $2,755 |
| State Farm | $3,238 | $2,074 | $1,684 |
| USAA | $4,567 | $2,109 | $1,505 |
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Cheap Jefferson City, Missouri Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Jefferson City, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in Jefferson City, Missouri to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 65101 | $2,480 |
| 65109 | $2,473 |
Cheap Jefferson City, Missouri Auto Insurance Rates By Commute
Commute length and annual mileage affect Jefferson City, Missouri auto insurance. Find the cheapest annual Jefferson City, Missouri auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,691 | $3,691 |
| American Family | $2,860 | $2,918 |
| Farmers | $3,670 | $3,670 |
| Geico | $2,486 | $2,579 |
| Liberty Mutual | $4,221 | $4,221 |
| Nationwide | $2,072 | $2,072 |
| Progressive | $3,116 | $3,116 |
| State Farm | $2,275 | $2,390 |
| USAA | $2,630 | $2,824 |
Cheap Jefferson City, Missouri Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Jefferson City, Missouri? Check out the comparison of annual Jefferson City, Missouri auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,561 | $3,684 | $3,829 |
| American Family | $2,801 | $2,981 | $2,886 |
| Farmers | $3,429 | $3,634 | $3,948 |
| Geico | $2,363 | $2,551 | $2,683 |
| Liberty Mutual | $3,972 | $4,243 | $4,450 |
| Nationwide | $1,945 | $2,091 | $2,180 |
| Progressive | $2,779 | $3,126 | $3,444 |
| State Farm | $2,175 | $2,341 | $2,480 |
| USAA | $2,627 | $2,720 | $2,834 |
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Best By Category: Cheapest Auto Insurance in Jefferson City, Missouri
Compare the cheapest auto insurance companies in Jefferson City, Missouri in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | Nationwide |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
The Cheapest Jefferson City, Missouri Auto Insurance Companies
What auto insurance companies in Jefferson City, Missouri are the cheapest? Compare the top Jefferson City, Missouri auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,691 |
| American Family | $2,889 |
| Farmers | $3,670 |
| Geico | $2,533 |
| Liberty Mutual | $4,221 |
| Nationwide | $2,072 |
| Progressive | $3,116 |
| State Farm | $2,332 |
| USAA | $2,727 |
What affects auto insurance rates in Jefferson City, Missouri?
There are a lot of reasons why auto insurance rates in Jefferson City, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Jefferson City, Missouri. Many local factors may affect your Jefferson City auto insurance rates.
Jefferson City Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Jefferson City, Missouri commute length is 15.5 minutes according to City-Data.
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Compare Jefferson City, Missouri Auto Insurance Quotes
Before you buy Jefferson City, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Jefferson City, Missouri auto insurance quotes.
Frequently Asked Questions
What is auto insurance and why is it important in Jefferson City, MO?
Auto insurance is a contract between a vehicle owner and an insurance company, where the owner pays premiums in exchange for coverage against potential financial losses resulting from accidents, theft, or other damages to the vehicle. In Jefferson City, MO, auto insurance is important because it is generally required by law and provides financial protection in case of unexpected events on the road.
What are the minimum auto insurance requirements in Jefferson City, MO?
In Jefferson City, MO, the minimum auto insurance requirements typically include liability coverage. As of my knowledge cutoff in September 2021, the minimum liability limits were set at 25/50/10, meaning $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident. However, these requirements can change, so it’s important to check with the Missouri Department of Insurance or consult with an insurance agent for the most up-to-date information.
What factors can affect the cost of auto insurance in Jefferson City, MO?
Several factors can impact the cost of auto insurance in Jefferson City, MO. These include your driving history, age, gender, marital status, the type of vehicle you drive, your credit score, the coverage options you choose, and the deductibles you select. Additionally, factors such as the crime rate and frequency of accidents in your area can also influence insurance premiums.
How can I find affordable auto insurance in Jefferson City, MO?
To find affordable auto insurance in Jefferson City, MO, it’s recommended to obtain quotes from multiple insurance providers and compare them. You can either contact insurance companies directly or use online comparison tools to gather quotes. Additionally, consider factors like available discounts, bundling policies, raising deductibles, and maintaining a good driving record, as they can help reduce premiums.
What types of coverage should I consider for my auto insurance in Jefferson City, MO?
While the specific coverage needs may vary depending on your circumstances, it’s generally advisable to consider liability coverage (to meet the state’s minimum requirements) and additional coverage options such as collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage. These additional coverages can provide extra protection for your vehicle and yourself in various situations.
Are there any discounts available for auto insurance in Jefferson City, MO?
Yes, many insurance companies offer discounts that can help lower your auto insurance premiums in Jefferson City, MO. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple insurance policies with the same provider), discounts for completing defensive driving courses, and discounts for having certain safety features installed in your vehicle. It’s advisable to inquire about available discounts when obtaining insurance quotes.
What should I do if I need to file an auto insurance claim in Jefferson City, MO?
If you need to file an auto insurance claim in Jefferson City, MO, you should contact your insurance provider as soon as possible. Provide them with all the necessary information regarding the incident, such as date, time, location, details of the accident, and any documentation or photographs you may have. Your insurance company will guide you through the claims process and inform you of the next steps.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.